23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XX/XX/ 2023 a imposter claiming to be an agent from XXXX XXXX call me and said your paperwork came across my desk and Im going to approve this forbearance plan all you need to do is to follow my instructions we get you back on track. Yes so happy to hear all the headache I was going through was finally over I send the 2 payments as instructed. 
When I was on the phone with XXXX XXXX which was his name I told him to hold on a the real agent from XXXX XXXX had called I told them to please allow me to click them in together thats when I found out XXXX XXXX was a scammer. He knew Everything about me. Im out of money which I know I will never get back but the number is in order still and they preying on innocent people.
Product: Credit card

Purchase a Phone from Best Buy i.e, XXXX wireless phone paid full amount with my credit cards of {$840.00}. Exactly after a month that is around 26 to 28 days i found that the screen is having Many dead pixels on the display and went to the store that i bought phone, they advised me to go to XXXX wireless for the replacement and went there they asked me to visit bestbuy for the replacement device. Went back to Best buy and they stated they ca n't issue the replacement and again directed me to the XXXX store. This continued for 3 to 4 days so i Have filed my dispute of the charge with CITI visa card. After two month i got the response from the bank that the Dispute was in the favor of the Merchant. I am in a delema and called CITI bank the response was I have to deal with it and they cant assit me further. Even hinted me to get a lawyer or XXXX party people to have this going on forward.
Product: Debt collection

I am writing to formally lodge a complaint against XXXX, XXXX, XXXX, Hunter Warfield Inc., XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  regarding an account that has been reported on my credit file. Recently, I reviewed my credit report and found accounts with Hunter Warfield Inc., XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX that I do not recognize.
Product: Debt collection

Debt settlement offer letter was sent to the agency on XX/XX/2020. I have a copy of the letter that was typed and mailed and its been 30 days since letter was sent and I still have no received a reply, or any information in reference to getting this account paid.
Product: Credit reporting

I finalized a " deed in lieu of '' several years back and with that came a release of my second or line of credit unfortunately XXXX did nothing and left the original second loan on my report. Attached is a letter verifying that is was approved. I really need to get this corrected can you help. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraud alert was sent to me a long time ago about an Inquiry put on my TransUnion Credit report Dated XXXX XX/XX/2019 ... I have requested several times to have this deleted, I never received any documentation .about this Inquiry from XXXX XXXX. 

I want this inquiry Removed from my Report Thank You XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They had a major security leak, which potentially included my SSN.
Product: Credit card

Had a family medical emergency situation. Got behind in all my payments. Called to pay for my products and explained and asked for late fee removal. CSR said she could remove {$15.00} of the {$70.00} late fees. I said that wasnt enough. Then she said she could remove {$40.00}. Later calls the CSR said she could remove the first two late fees if I paid the third and interest. I said there wouldn't be a third late fee if they had removed the first two when I asked. So we are at a stalemate. They keep adding late fees and interest to my account and calling and harassing me.They will not allow me to cancel the account. I paid the initial charge amount of {$32.00} on XX/XX/year>. This is an Ulta charge card through Comenity Bank.
Product: Credit reporting or other personal consumer reports

Please be advised this is my WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section XXXX and Section XXXX regarding your continued willful and negligent noncompliance. all XXXX account XXXX ) XXXX  # XXXX XXXX ) XXXX XXXX  # XXXX XXXX ) XXXX XXXX XXXX # XXXX Report # XXXX Despite written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Furthermore you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Mortgage

Hidden fee is charge for additional loan payment being rejected. 

A fee of {$20.00} charged by Provident Funding Mortgage due to decline of bank transfer of additional loan payment. 

After further investigation with the bank, it decline by wrong account number. The account number type in for the transfer which I used in Teller often, but online transfer account number was different. 

Provident Funding Mortgage charged {$20.00} fee based on section 14 of the Deed of Trust titled " Loan Charges '' that indicate security instrument related.

The account setup system in Provident Funding does not provide a way to check bank account setup is good until a transfer is made. However, if the payment got rejected, it will charged us a fee, which not mentioned clearly in agreement too. 

If I knew this upfront, I will not make additional loan payment and caused me a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XX/XX/2021 XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX/XXXX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX erroneously charged my XXXX credit card {$80.00} when I moved to another state over XXXX years ago. I disputed this charge and XXXX ruled in my favor. XXXX XXXX ID : XXXX. XXXX then turned this matter over to a collection agency which, in turn, submitted a negative report to the three credit bureaus. Apparently, XXXX is willing to ruin someones credit for {$80.00} -- even when they are in the wrong. Consumers are then required to spend hours of uncompensated time dealing with credit bureaus in order to clear their record.
Product: Mortgage

I was online and paid my normal payment for XXXX of {$1000.00}. Then the account showed my XXXX payment of {$1200.00}. I was shocked to see the increase because I was not made aware of a escrow analysis. I signed up for electronic statements early on because this company was charging a extra {$5.00} if I wasnt paperless. I searched my email for all items from PennyMac and never received any correspondence stating I had a new statement available or a new document available. I have several months of emails stating my payment was received. The customer service rep said that I should login and check my statements every month. Why do I need do something like this when I dont even know when the statement closes? Every other paperless company I deal with sends me notices to my email when statements are available or new documents. This lack of communication did not allow me time to get funds together for the escrow shortage. Now I am being blindsided with a extra {$200.00} payment that I didnt have time to plan for. I logged in the app to try to view the statement and also on the mobile website on my XXXX and couldnt even view the escrow analysis or any statements. The rep tells me I need to use a certain browser or login to a desktop. This is crazy consider most people conduct business from their cell phones these days. It felt like the rep was blaming me and providing me a bunch of ridiculous options. I did not choose this loan servicer. I did a refinance and found out after the fact that my loan was sold to XXXX aka PennyMac. I wonder how many other people had this issue and was told the lack of communication from PennyMac is our fault. Also since they were my new loan servicer, they never communicated in writing in advance about the {$5.00} charge for paper statements. I found that out on the app when trying to make a payment. These are deceptive practices and can be crippling to peoples finances especially during Covid when many people are already struggling.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, they are not mine, please review them Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I wired Coinbase {$14000.00} to purchase Bitcoin. I 'd contacted their support department first on XX/XX/XXXX in regards to this wire not posting to my account. All of this was done under Coinbase Case ID # XXXX, I again tried to contact them through their online support system since they do not have phone support on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been told that my case is with the correct support team and that is it, I 've received no estimated time my money will be available to me or any reasonable contact to make me believe my {$14000.00} is not just lost and/ or stolen or any number of other possibilities. I put in a Better Business Bureau complaint and all Coinbase has told me from that is the same reply that my issue is in the correct teams hands without any idea if or when my money will be provided back to me. I ultimately just want what I sent Coinbase my {$14000.00} for, Bitcoin. I think it is completely unbelievable that they have had my money for now over 2 months and I just keep getting the run around that the correct team is engaged but I have gotten zero resolution and really awful support.
Product: Checking or savings account

I lost my phone and wallet and called Chime was passed around for 3hrs and they said I couldn't close my account I'm on XXXX and need the money in that account to pay rent. {$910.00} I get from XXXX. All this today XX/XX/2023. They refuse to send me a check to my home on record. Basically Stealing My XXXX Check.
Product: Vehicle loan or lease

I purchased a used XXXX XXXX XXXX from XXXX, {$500.00} down, on XX/XX/XXXX with my grandfather as my cosigner. My account was then transferred to Bridgecrest ( account # XXXX ) from that day forth, which I was never informed of. I have a bi-weekly payment of {$220.00}. My credit report shows XXXX payments remaining. But when speaking with Bridgecrest on yesterday, they stated that I have XXXX payments remaining. By the time I pay the car off, I'll be paying almost 3 times of what the car was priced. I then asked what all has been paid thus far which is {$4300.00} towards the principle and {$10000.00} towards the interest. I feel that I'll never be able to pay this car off and that my grandfather and I are being legally robbed. I have been unemployed since XX/XX/XXXX. They won't alter the interest rate or even change the payment arrangement from twice a month to once a month. What can my grandfather and I do?
Product: Credit card

I received a bill in my mailbox with over {$17000.00} in fraudulent charges racked up in a very short amount of time by someone who opened this account in my name fraudulently and without my knowledge or permission. I have NEVER had an account with this company, and NEVER opened a credit card with them. I called the company immediately and they put the account into closure and reported to their fraud department who sent me a letter in the mail requesting an affadavit, which I completed and returned along with my police report for identity theft, with tracking through XXXX. It was delivered and received but since then I have received another billing statement with interest for the same amount. I have frozen my credit through all agencies with a fraud alert. I need to close my credit to avoid further damages. I need help removing this fraudulent activity from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an old account on my report, via XXXX XXXX, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand XXXX XXXX provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both XXXX XXXX and Equifax. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe XXXX XXXX a dime, and they know it, and Equifax should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concern and dissatisfaction regarding the unresolved dispute surrounding the accounts associated with XXXX XXXX XXXX XXXX reporting on my report twice. Despite having disputed these accounts twice and having sent debt validation letters, it has been over 30 days, and I have not received any confirmation letters regarding completed and signed documentation bearing my signature for these listed accounts. This failure to comply with the Fair Credit Reporting Act ( FCRA ) is a clear violation of my rights. 
I want to draw your attention to the specific sections of the FCRA that are pertinent to this dispute : 1. **15 U.S.C 1681 : ** This section outlines the general provisions of the FCRA XXXX emphasizing the accuracy and fairness of consumer reporting. 
2. **15 U.S.C 1681a ( f ) : ** This section defines the responsibilities of consumer reporting agencies in maintaining the accuracy of information. 
3. **15 U.S.C 1681a ( d ) : ** This section establishes the obligations of consumer reporting agencies to provide consumers with information in their files upon request. 
4. **15 U.S.C 1681b : ** This section outlines the permissible purposes for which consumer reports may be furnished. 
5. **15 U.S.C 1681g : ** This section stipulates the procedures for consumers to dispute and obtain verification of information in their credit reports. 
In accordance with the FCRA, I requested the following information related to the disputed accounts : 1. Full bank account statement/statements from the original creditor. 
2. Proof that I own this debt/Proof of debt assignment. 
3. The name and address of the original furnisher/debt collector. 
4. The original contract from the original creditor with my SIGNATURE on it. 
These requests were not arbitrary but are in line with my rights under the FCRA, specifically sections 15 U.S.C 1681a ( f ), 15 U.S.C 1681a ( d ), 15 U.S.C 1681b, and 15 U.S.C 1681g. 
Additionally, I want to highlight that collection efforts on these accounts have not ceased, further compounding the violations. 
I wish to emphasize that I did not request a generic statement merely stating that these items are verified. I explicitly sought undeniable, irrefutable PROOF that the alleged accounts are verified, validated, and accurate. The failure to provide this documentation is a violation of the FCRA. 
I demand immediate action to remove the XXXX XXXX XXXX XXXX accounts from my credit report within three days of receiving this letter. Failure to comply with this demand will leave me no choice but to pursue legal action to enforce my rights under the FCRA. 
All correspondence related to this matter should be directed to the address provided above. I expect written confirmation of the removal of the mentioned accounts within the specified timeframe.
Product: Checking or savings account

We have checking, savings, and credit card accounts with Wells Fargo and have been a customer for 15 years. This month my wife made an error when paying our credit card bill from our checking account by putting an extra zero in the bill pay. Thus, instead of transferring {$1400.00}, it transferred {$14000.00} from our checking to our credit card. We didn't catch the error until the bill pay posted on XX/XX/2023. I contacted Wells Fargo immediately to attempt to rectify the error. I was told that the bill pay had to post first, then the unused balance would be returned to our checking account within 5 business days. After a week the funds had still not been returned to our checking account so I called customer service again on XX/XX/2023. I was told that because the transfer was large ( although at the time large was not defined for me ) it would take 30 days for this to be cleared. That is unacceptable. I was sent up a level at customer service and I requested that the bill pay transaction be reversed in its entirety. I was told that this would occur within 48 hours. 48 hours later the funds had not yet been returned to our checking account. I called again and was transferred up two levels in customer service. This person informed me that for transactions over {$2000.00} it would take 30 days, that there was nothing that could be done to hasten the review and transaction and that Wells Fargo would do nothing to make me whole in the short term. I'm sure all of this is in the fine print of our credit card agreement. Because all of this is internal in Wells Fargo Bank, they have the ability to correct the error overnight if they would choose to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that EXPERIAN and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These public records are unknown to me and must be deleted from my file. 
XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ;
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transitions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

Dates : XXXX XXXX 2023. Amount of " money '' sent to me was {$4900.00}. I will note that I did not try to deposit this at all because it's not legit and I knew from the start. 

There is a company going around hacking accounts on social 's to pose as real companies trying to hire others, they will give you an offer that sounds too good to be true, offer to pay you up front, for minimal hours. They say they will mail you a check with your payment and funds to buy things for your personal home office space. This is all a shame, they tell you to use the check via atm or online deposit and specially tell you NOT to go to your bank, this is the biggest red flag. Their checks do not look legit either and the company they claim it will be sent from does not exist and the company it is sent from is one that tries to mimic a legit life insurance company. 

They try to pose as " XXXX XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX XXXX ''. The check is signed by a XXXX XXXX from New York, which is likely not the actual XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX violating my consumer rights.It is reporting repeatedly charge off and that is manipulating the statue of limitations.According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.this account is violating my federally protected rights and I demand this account be deleted from my XXXX, Equifax and XXXX and XXXX credit reports and also { {$1500.00} } in damages for the pain and suffering and the credit violations.it has caused me XXXX XXXX and a lot of pain and suffering because I'm not able to get an auto loan deletion XXXX account # XXXX XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

I have made {$28000.00} in purchases on my Citi card this year. 

I have paid {$29000.00}, and yet my balance continues to be shown as anywhere between {$2000.00} - {$2500.00} on closing statements. 

I have called the credit card company 4 times. Each time they are less & less helpful. 
I have spoken to supervisors 4 times, and I can not get them to resolve the matter. 

I want my account audited, because the way they close their statements, it is difficult for me to pin point where the error on their part was made. 

I have all statements and running tally of amount I have paid from my bank account as proof that there has been an error committed on their part. Yet every time I call and speak to someone, they refuse to look at the full account.