23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX XXXX re-aged a old debt that was never properly report to the credit bureau by the Fair Credit Reporting Act. The debt is an old debt back in XXXX and they are saying it a fresh debt from XXXX. This account was never on my report, so I believe that they only have 180 days to report this on your credit file. They are 1825 days to late to report this which violates my rights.
Product: Mortgage

We will not stop filing the complaint against Wells Fargo Bank because they will not give us any explanation for how they handled our case. As I have stated previously that they keep asking us to provide documents for the mortgage loan issue and how they calculated the checks they sent us. The bank representative has refused to address the complaint that we never resolved our complaint with the XXXX yet XXXX XXXX insisted that the XXXX settled the case when she clearly stated that she is not qualified to resolve or mediate the complaint before her. Yet XXXX XXXX sent us a XXXX XXXX If your company cant provide us a copy of the transcript then you can listen to it and hear what was said. So youre calling me a liar. I spent XXXX years in military earning the respect of senior military officers and leaders yet I am being called a liar by Wells Fargo Bank. I will not sign a form that I didnt agree to. We have sent you copies of the documents that we had to provide with no proof that your company is working to resolve this problem.
Product: Money transfer, virtual currency, or money service

I contacted one ink on XX/XX/XXXX when my insurance company issued me a payment of {$3400.00} and went to a virtual card that is backed by this company. I tried to do a transfer to my checking account XXXX, XXXX XXXX doesn't do transfers to XXXX, I was only trying to get the funds into my checking account the easiest quickest way. We discussed it during the call that an acquaintance that was at my house, to have the funds transferred to his account, I was under the impression it would immediately be transferred. XXXX XXXX  took his information from me XXXX XXXX at first, but everything was very confusing and h ees took the phone gave them his information, XXXX XXXX, bank is XXXX XXXX, they knew I wasnt the account thg holder, but they put me as owner of account and made transfer without my initial approval, and they told me the time frame 1 to 4 business days after the transfer was made. Because of time frame I stated I did not want to make the transfer on the same call. I spoke to a supervisor and they said they could not stop it but there was no problems because I could get ahold of my adjuster and they can stop paymen. That was a Friday evening. I contacted American modern immediately, they sent emails to my adjuster and supervisor because my adjuster wasn't in until the following Wednesday. I contacted American modern all through that week, starting on Monday, they said they were putting a stop payment, there should be no problems. I contacted them multiple times, I could never get any phone calls or emails back from anyone. I found out they could not stop payment, and said I needed to dispute with XXXX XXXX XXXX XXXX XXXX had me as account holder XXXX XXXX XXXX XXXX his name. My adjuster stated they where not supposed to transfer funds to a non insurer. So they initiated the transfer without my confirmation and they did not give me a time frame until after the transfer 1 to 4 business days. I told them I did not want to do the transfer. They said they couldn't back out of it. Now I don't have the funds, can't get ahold of XXXX XXXX, I've tried and tried, and I did not give it the final okay before they submitted it. I've tried to correct this, and would have never transferred, knowingly it was going to be days...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 credit bureaus to correct the balances reported into my credit reports to two credit cards. I have also contact XXXX XXXX  regarding the incorrect balances reported in my credit report. XXXX XXXX  account representative has advised me that I have a {$0.00} balance in both accounts, and they have sent the information to the 3 credit bureaus and that I need to contact them if they haven't updated the information from the end. XXXX XXXX  as advise me that has sent the updated information in couple of occasion. I called the 3 credit bureaus and they had completed the investigation and they come up with the balances are correct. I requested for what type of verification they used to proof the balance is corrected and they can provide me with that information. This account has {$0.00} balance back since 2021. The credit bureaus and XXXX XXXX  has me back and forth and no resolution has been made to my credit report. Please help me to resolve this situation. This should be an easy fix. I do not want to go to a legal process when XXXX XXXX  states that I have a {$0.00} balance in the following accounts : XXXX XXXX balance on 3 credit Reports {$1000.00} XXXX XXXX balance on 3 credit reports {$1100.00}
Product: Money transfer, virtual currency, or money service

I opened an account on the Crypto.com app on or about XXXX XXXX, 2021. I followed the app 's instructions on how to wire money into my Crypto.com account so that I could begin trading cryptocurrency. A wire of {$1200.00} was made and confirmed through my XXXX XXXX account. Crypto.com said a wire transfer would show up in 2 business days. Nothing showed up in my account, but I remembered that they said an ACH transfer could take five business days. I thought maybe I accidentally did an ACH transfer, so I waited about five business days passed before asking about my money. I began inquiring about my wire deposit on Friday, XXXX XXXX, by email. They asked for some specific information about the wire, which I got from XXXX XXXX and got to them. They now say the information must be in the form of a " proof of payment document, such as an official bank statement '' ... so i sent them a snapshot of my bank ledger and an email from XXXX confirming the transfer. They continue to say this is not enough. My paper bank statement does not yet reflect the transaction, and I wouldn't share my bank statement with them anyway. 
They are stonewalling me, running me around and not doing anything to help me locate my funds. 
I know that Crypto trading is high risk but I didn't think that I would have my wire transfer stolen in literally the first transaction I made. 
I have begun the process of recalling the wire transfer through my bank, XXXX XXXX, which can take up to 15 days and is not guaranteed. 
I just want to make sure Crypto.com is compliant with federal money transfer regulations and that this doesn't happen to others.
Product: Debt collection

This was a joint account. That judge ordered me to surrender the vehicle to my ex wife and have nothing else to do with it. Ordered her to refinance and hold me harmless of debt. I have notified Exeter financial of this and despite it they still come after me for the debt. Using unfair tactics such as reporting false dates of account closure or not reporting a date at all. The account was closed on XX/XX/XXXX and on my co applicant report is shows correct date. On my report is shows XXXX of XXXX they are reporting XXXX balance and I have logged into my account and balance there is XXXX. On my XXXX report it is not showing a closing date and also shows first date of serious delinquency XX/XX/XXXX. This is causing my report to reflect 90 days late 25times. I have disputed the information with all 3 bureaus but Exeter continues to certify that there information is accurate. They also make a point to change payment status on different dates or add or remove comments on the account at least once a month. These are all unfair and harassing tactics that they are focusing on me when I was ordered by a judge to surrender vehicle and have nothing further to do with the car my ex wife or any financial accounts that were tied to her. With a restraining order in place I didnt dare go against him and as a result she surrendered the vehicle without my knowledge and then Im stuck with the debt and the harassment from Exeter.
Product: Student loan

On XXXX XXXX  I applied for the SAVE repayment plan & was told by Aidvantage it would take about 45 days for the application to be processed. At that time they estimated my payments to be {$390.00}. 
On XX/XX/XXXX I received an email from Aidvantage that my application was approved and my payments would be {$670.00} On XX/XX/XXXX I called and spoke with an agent at Aidvantage who told me she would reapply for me, I provided her the information she asked for and she said I was all set, that I would be hearing from Aidvantage in about 45 business days On XXXX  I received and email from advantage saying XXXX, your Income-Driven Repayment ( IDR ) plan request could not be processed and It's too soon to process your IDR recertification On XXXX  I called and spoke with an agent at Aidvantage who told the previous agent recertified me, not reapplied. The agent said that we could reapply over the phone. I provided her the information she asked for and she said I was all set, that I would be hearing from Aidvantage in about 45 business days. 
On XX/XX/XXXX I received and email from Aidvantage saying XXXX, your Income-Driven Repayment ( IDR ) plan request could not be processed and It's too soon to process your IDR recertification On XXXX I called and was on hold so the agent could speak with a supervisor. I provided her with the same information about filing status, income etc and she put me on hold. I was on hold for 20 minutes and then disconnected. I called back again and spoke with a man who said the agent before me reapplied and my new payment estimate is {$750.00}. 
I have spent hours trying to figure this out only to feel like Im being scammed by a predatory loan company trying to take more than what I can afford. I still have not gotten this addressed and am begging for help. What are borrowers supposed to do to get the help they need. Im trying and spending hours of my time only to get nowhere and told were having trouble with our phones disconnecting by the loan company.
Product: Debt collection

( brief ) Today, I received a call from XXXX. She didn't identify herself and immediately was asking me to confirm my identity. She asked to confirm my name? ( she provide it XXXX. I inquiry about reason of the call. She said she was from XXXX and proceed to ask about my last 4 of my Social Security? XXXX she provided the numbers ) I didn't confirm, instead I asked her about who she was and reason of the call and I continue asking. She hung up. 

I contacted XXXX, they clarify she was impersonating an agent ( they didn't call me XXXX. He gave me some recommendations. I decided to file a report to the Federal Trade Commission and followed their recommendations. I contacted XXXX  and then I did a number search. The XXXX is showed under AMSHER COLLECTIONS. Location : XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX. Phone : XXXX. I decided to review my XXXX  credit report and for my surprise, I find it under Inquiries : AMSHER COLLECTIONS. I filed an FRAUD ALERT. PLEASE, BE AWARE!!!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Dispite using zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings Indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt or credit management

I enrolled in a credit relief program in XX/XX/XXXX. As of XX/XX/XXXX, the company had collected monthly payments in the amount of {$250.00} dollars via withdrawl from my bank account. They advised me that I had to STOP paying on my debts to increase the timeline for them to negotiate my debts. As of XXXX of XXXX, I was not behind on any of the debt but I knew that after a job loss I needed to find assistance. I followed their advice and collectively paid them {$1500.00} dollars. All of which was used on " program fees ''. As of XX/XX/XXXX, only {$270.00} was used to payoff any settelment with the remaining amount going to the program in fees. In XX/XX/XXXX, I was served with paperwork stating that I am being sued by my creditors, as they have not receieved parameters to work with. I was horrified that I was advised to stop paying my creditors, to fund this program every month with payments into a dedicated accounty, and still have nothing to show for it. I feel that they used misleading tactics, preyed on the vulnerable, and that they do not reduce debt and just pocket money. I am now being forced to file banruptcy, as I have not made payments since XX/XX/XXXX and the associated fees and interest make this an impossible hurdle to complete. I was also notified by the District Justices office that served me that there is no " Federal Protection '' against debt relief aside from Bankruptcy and that what was promised is actually false information. 

I withdrew from the program due to all of this information, yet they continue to draft my account despite withdrawing from the program.
Product: Debt collection

I moved out of my apartment complex and received a move out statement about 1.5 months later. I disputed this bill and requested an investigation in writing ( as instructed by the apartment complex ) and followed up over 3 times. The complex ignored my communication attempts and sent me a " 2nd notice '' statement 131 days after receiving my initial move out statement. I then sent a certified letter once again stating my intentions at investigating and resolving the issue. The complex received, signed, and ignored my letter. 

**Please see the attached certified letter and emails for a full explanation of the situation** Four months after sending my letter, I received a call from collections ; however, I never received any written documentation from collections. 

I have two separate complaints : 1. The apartment 's calculated and purposeful lack of communication, as well as their lack of " investigation '' feedback as promised. 
2. The lack of written documentation from collections
Product: Checking or savings account

I called customer service on XX/XX/XXXX to confirm that I am done everything to be eligible for the {$500.00} bonus promotion that the bank is running. The person I spoke to said that the $ XXXX XXXX transfer on the XXXX of XXXX was from another ally account and did not count. That money came from XXXX XXXX, so that person did not know what they were talking about. I want to know if I have done everything required other than keeping the money in Ally until XX/XX/XXXX to be eligible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset that I have reached out to the credit reporting company I would say more than six times about this problem and they will say they updated report with validation. I am concerned of how this is validation and never proof of real validation and still seven times ago it is still reporting inaccurate information and lies on their report stating accurate information. I do know my rights and I do know that I have pointed out many times that you can not report inaccurate information and on top of it keep violating my rights and I am sick of it. You can not report a account is open but another one stating closed and state that you validated this and also report different dates and so many more inaccurate information that WASNT TRUE and was NEVER VAILDATED. So I am asking once again that this account to be REMOVED IMMEDIATELY AND STOP VIOLATION OF MY RIGHTS and delete this immediately. You can not keep telling me you vaildated something and it still report false. Equifax and XXXX both of completely different information from dates they have, to payments, to credit limit to high balance and so on and this is a huge violation and need to be DELETED NOW HUGE VIOLATION OF MY RIGHTS
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Account Removal - Conns Furniture Accounts Dear To Whom It May Concern I am writing to formally dispute the removal of my XXXX XXXX Accounts, specifically the account in the amount of {$1800.00} and the account in the amount of {$2900.00}. I believe that the removal of these accounts is in violation of the Uniform Commercial Code ( UCC ) and the Fair Debt Collection Practices Act as outlined in 15 USC 1692.

Under the UCC, parties involved in a commercial transaction are required to adhere to principles of good faith and fair dealing. The removal of my accounts without proper notification or justification appears to violate these principles. I have not received any communication that would warrant the removal of these accounts, and I believe that this action is unjustified.

Furthermore, 15 USC 1692 prohibits debt collectors from engaging in deceptive or misleading practices in the collection of debts. The removal of my accounts without clear communication or an opportunity for me to address the matter constitutes a violation of my rights under this statute.

I request that you provide me with the following information : 1. A detailed explanation for the removal of my XXXX XXXX Accounts. 
2. Copies of any documentation that supports this action.

3. Confirmation of my rights under the UCC and 15 USC 1692 regarding this matter.

Please consider this letter as a formal dispute of the removal of my accounts. I expect a prompt response to this matter, as I am eager to resolve it amicably and in accordance with the law. If I do not receive a satisfactory response within 30 days, I will be compelled to take further action to protect my rights.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

After I filed bankruptcy and the the company with claim with the court, filed to be released from XXXX. Then came and repossessed my vehicle after I paid what they told the court I was behind. I paid it yet they repossessed my car anyway. They sent a certified letter asking for {$2100.00}. Then over the phone after I was about to pay, they verbally changed the amount to {$2700.00}. Plus {$320.00}. To the towing company. I was told my account was being brought up to date. After paying the money, I got a letter not confirming what I paid, but that they recieved a payment. And that my account was being reopened. And that my next payment of {$610.00}. was due XX/XX/21 that I was told my account was up to date after the payments and additional {$610.00}. Added after the certified amount. And that reactivate could take several weeks as much as four weeks. 
Then my attorney filed a motion to dissallow Toyota motor credit from any further disbursement from court because after release from stay, they didn't withdraw their claim. I really think something illegal was done here in all this and need a investigation.
Product: Credit reporting or other personal consumer reports

Transunion has closed my file this is my transunion file number and my social security number is XXXX. My name is XXXX XXXX XXXX. My date of birth is XXXX. Transunion had no legal rights to close my file with them. I do have a case number with them and it is XXXX please advise transunion to open my file again which is against the fair act consumer right to close my file and I am not able to obtain a job without them opening my file. The phone number for them is XXXX. My personal phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, Capital One has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax improperly allowed my report to be divulged without my consent by letting a dinosaur sysops team manage their infrastructure.
Product: Debt collection

I have an account with citizens Bank that was opened XXXX XXXX. 
My payments were set on automatic draft. I changed bank cards and updated my new method of payment, only to receive notification that I'm delinquent. Not understanding why, I reached out to Citizens Bank about the error. I was told by an agent that citizen Bank will send a request over to the credit bureau to remove the late payment. Citizen Bank has not honored their word to correct the error. I pay my bills every month on time. This issue is causing me to receive higher interest rates due to the error. I would like for this issue to be rectified swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against BBVA Compass. I explained to BBVA Compass that I was a victim of fraud and the late payments that they continued to report on my credit report was not accurate and is a direct result from this fraud. BBVA has violated the FDCPA and the FCRA of reporting, they never contacted the credit bureau about this matter but yet continued to report this miss leading information. I explained to BBVA Compass the entire situation that when I purchase my XXXX XXXX from XXXX XXXX XXXX XXXX XXXX I signed a contract which we had agreed I was giving my XXXX XXXX   as a trade in. The dealer was going to take care of paying off the truck. I express to them that the payment was already due in a few days. They said to give a larger cash down payment and they will take care of paying off the truck. I received a call from the bank that my truck was financed through ( BBVA ) telling me about a missed payment. I started calling the dealer, the salesman that helped me and the finance manager were no longer working there. The receptionist that helped me said the dealership was under new management. This is only a few days after I called almost everyday trying to get a solution. I spoke to the new supervisor and he said he had no idea what happen to all the new contracts or actual truck. Time was passing by and the bank was calling me everyday and my credit was being ruined. My father and I went up to the dealership and was about to call the police and file a report about the truck I traded in being stolen since no one had any idea what happen to the contract or were the truck was located. After days and hours of trying to get this matter resolved the a new financial assistant got in contact with the proper people and a view weeks later the bank sent me a letter stating that the check was sent and the truck was paid off. But now my credit is showing missed payments that was not my fault. I have all the paper work and contracts I signed with XXXX XXXX that proves that they agreed to pay off the loan that same day. I will be glade to send BBVA this information as well.