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

My phone was stolen, and I promptly filed a police report regarding my stolen belongings. After obtaining a new phone, I attempted to access my Zelle account but was unable to do so. 

I contacted both my bank and Zelle to resolve the issue, but I was not provided with any explanation for why my account had been suspended. Instead, I was repeatedly redirected between my bank and Zelle without receiving any clear answers or solutions. 

This lack of communication and accountability has caused significant frustration and inconvenience, especially since I rely on Zelle for essential financial transactions. I am seeking immediate assistance in reinstating my account.
Product: Checking or savings account

It all started on XX/XX/XXXX when I called Wells fargo to dispute a charge for an item I never received. They told me the fraud dept would be calling me to ask me a few more questions. About XXXX later I received a text stating Wells fargo bank did you attempt a XXXX transaction for {$3500.00} reply yes or no. I replied no so a got another text stating Wells Fargo Fraud dept due to the NO response A representative will be contacting you shortly. About XXXX XXXX later I get a face time call from a number that is labeled XXXX he told me there were XXXX pending {$3500.00} XXXX payments to a XXXX XXXX XXXX I told him no and he said the only way to stop the pending XXXX payments I would have to transfer money from my wells fargo bank account to XXXX and the to cancel the pending XXXX payments. There were 8 transactions 4 online and XXXX XXXX payments. He then asked me to contact my sons to finish the process. He got about {$12000.00} from 4 of my accounts. I kept telling him this did not seem right that the money was getting pulled out of my bank account and he said that was normal because all the payments were still pending and it would be back in my account tomorrow. At the end of the call he made a comment about no need to contact them back today that there was nothing more I could do about it until tomorrow and he will call me no need to call them and when they got ahold of me tomorrow the money would be back in my acct tomorrow I told them I work all day and I am not waiting for them to get ahold of me to get my money back. The whole thing felt weird but the end of the call really felt weird. So I called wells fargo less than 5 minutes after hanging up with the scammer and was on the phone with Wells fargo for XXXX trying to stop all the payments. WF said I called them in time that all the charges were still pending and the should be able to stop them. WF said it should take a week to hear something and get money back. I got a letter from WF stating the case was closed that I authorized payments. So I called WF and asked them how they could close a dispute without looking into it. They said it was escalated to the next level and they were still working on it and I should hear something in about a month. The scammer tried breaking into XXXX XXXX XXXX my XXXX, and XXXX XXXX I am still getting text messages from them acting like Wells Fargo fraud dept. I filed a police report yesterday XX/XX/XXXX which was pointless but I felt necessary. 
I called Wellsfargo again on XX/XX/XXXX and they said my dispute was never reopened or escalated and it was not their problem because the scammer told me what to do and I did it. Please help. This is our lifesavings and the only way we can afford to pay our mortgage. If you cant help me please let me know who can. I will do or try whatever it takes to get our money back. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently rehabbed my student loans, and XXXX XXXX XXXX transferred and updated my accounts with the new servicers. They removed all but 4, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer exist.
Product: Debt collection

The communication and customer service with this company not only single handedly ruined my report but is getting worse. Asked for a phone call since XXXX from a customer service rep ( not one single call and have documents ) company apologized for the error but made no corrections. I need real help as this has hurt me in ways not imaginable! especially for the little amount that's being reported i never had this issue with this company until few months ago.
Product: Mortgage

on mortgage statement balance does not make since -paid over 20 years and have the same balance as when i started- asked for clarification on the balance and there reply was they dont know -just pay the mortgage. please help my house should almost be payed off by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I faxed over a multiple inquiries letter   XXXX   XXXX   XXXX     and   XXXX   XXXX   XXXX     in order to dispute information, in regards to over  XXXX  hard inquiries that was placed on my credit report. They received the letter the same day since it was faxed. They completed the request   XXXX   XXXX   XXXX    . The request I submitted was over  XXXX  hard inquiries that were not factual and I received the same response, " according to the FCRA rules, fcra  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The face that I received a response in   XXXX    days after I faxed over my letter, one can assume that there was no investigation. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does n't belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Product: Credit reporting

In XX/XX/2017 I requested my free annual report from all XXXX reporting companies. Equifax and XXXX refused to issue the report stating they could not verify me. I had moved and also I have not had any debt on my report in years. I could not answer any of the questions Equifax asked- none of them. Both XXXX and Equifax sent letters to my current address requesting additional proof of identity, which I did and sent by certified, return receipt mail. XXXX processed my request, however Equifax has not replied. It has now been over 2 months since the request was made and proof of identity submitted. I have the return receipt stamped as received by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in constant contact with Experian, XXXX, and XXXX. They refuse to remove personal information that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX is reporting a debt I do not owe. I made my last payment in XX/XX/2015 and gave a 30 day notice to indicate I was leaving. They are trying to charge me for the entire time that the apartment was vacant before new renters. This debt should be past the statute in California as the date of last activity they have is inaccurate.
Product: Credit reporting

Over 30 days ago, I requested that Equifax investigate XXXX inaccuracies on my credit report. That request was sent on XXXX XXXX, and I am attaching a copy of the letter. To date, they have yet to respond to me.
Product: Student loan

Sallie Mae called me twice in two weeks regarding my bill once on XXXX from an unknown number and once on XXXX. XXXX times I explained that I do not have money to pay them and in response to asking them to stop calling me, I was informed they would continue to call until the balance is paid. I find this action harassment and I would like them to stop calling me or at minimum reduce the amount to once a month. 

This is for a XXXX loan for XXXX university XXXX.
Product: Debt collection

XXXX XXXX XXXX or XXXX Stated " Additionally per this dispute consumer lives in a " closed state for collections '' meaning since Browns Collection conducts business with an AZ license we can not mail anything to the consumer in XXXX Maryland with out a written signed consent. '' I did not nor ever have given consent to be harassed in writing or electronically. MY rights per the Attorney General in Arizona website were violated and FDCA. This is a demand for immediate remedy and recourse. 
XXXX XXXX XXXX The fact that an authorization letter has been sent with a fraudulent address knowingly made with the intent to collect a debt not owed or validated is grounds for identity theft because I never released this information to this company. 

15 USC 1692 15 USC 1681 HR 5332
Product: Credit card

To Whom It May Concern : I escalated a request to have all remunerations refunded due to credit terms " originally '' signed via ( Citibank 's executive office ) whom is now an account servicer of which ( XXXX ) serviced the debt effective XXXX XXXX, XXXX. After requesting in writing on multiple occasions to have all payments refunded via XXXX XXXX ) now Debt Protection ( Citibank ), a service I am not deemed eligible for per " initial '' credit agreement/disclosure signed XXXX XXXX, XXXX via ( XXXX ). 

However ( Citibank ) recently sent correspondence dated XXXX XXXX, XXXX stating I am eligible of which, a ( Citibank ) agreement sent was never signed or disclosed when originally applying for a " Best Buy ( XXXX ) In Store '' consumer credit card. XXXX XXXX an assigned executive response unit liaison submitted a ( Citibank ) Debt Protection disclosure after disputing my disposition regarding a ( XXXX ) disclaimer she initially sent XXXX XXXX, XXXX which states unemployed borrowers and/or part time employees are not eligible for " XXXX '' which is now classified as " Debt Protection '' per ( Citibank ) due to servicer change/acquisition. It seems as if ( Citibank ) is not willing to refund a balance which is owed for cancelling a service I paid into " prior '' to ( Citibank ) acquiring an account generally speaking. I would be obliged for this letter to be shared with my California Attorney General and all governing agencies for this process is now considered fraud for fictitiously submitting a ( Citibank ) disclosure in place of a ( XXXX ) disclosure automatically deeming a request/claim irrelevant.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. XXXX. 
NSS : XXXX SECURITY FREEZE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, EXPERIAN and XXXX XXXX XXXX are violating my rights under the FDCPA, FCRA, and as a consumer. They have failed to verify and validate information before placing fraudulent information on my consumer report. This is defamation of my character as they are saying I owe an alleged debt that is not mines.This alleged debt is a violation of 12 CFR 1006.34 15 USC 1692g as well as12 CFR 1006.30 ( e ) 15 USC 1692j ( a ), I demand to see a contract with my signature and the fraudulent debt collector in mention along with a copy of the judgment made against me that validated this alleged debt. This alleged debt is also a violation of 12 CFR 1006.22 15 USC 1692f as there was never an agreement between myself and the fraudulent debt collector attempting to collect an alleged debt.I have no contract and/or agreement with XXXX XXXX XXXX , they are acting as a third party attempting to collect a fraudulent debt. They have not provided me with any documentation that contains my signature authorizing any agreement or contract between XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, and EXPERIAN has not provided proof that they verified the consumer was given the chance for the information not to be shared and the consumer chose not to opt out every time they have received information pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) .they have not provided any proof that information solely on transactions or experiences between the consumer and the person making the report is not to be excluded from a consumer report pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). I never gave them consent to furnish anything on my consumer report as described in 15 USC 1681b.They have not provided any judgements made against me or any original notes .This is directly impacting my life as I have been denied for credit because of them.
Product: Checking or savings account

While on business travel in XXXX, I attempted to withdraw cash from an ATM. The ATM retained my ATM card and the interface screen indicated that my ATM card was being held for security purposes. Later that night, I checked my account and discovered that multiple ATM withdrawals had occurred in the course of the several hours after I attempted to withdraw funds. I immediately called Chase and informed them that fraudulent activity had been occurring on my account. In subsequent correspondence with Chase, I learned that my ATM card had been used ( or attempted to be used ) at over 30 different ATMs throughout XXXX that evening, with at least 15 of such attempts resulting in amounts withdrawn from my checking account. Chase later disputed my claims of fraudulent activity on the basis that there wasn't sufficient evidence of fraudulent activity -- notwithstanding that my ATM card had been used ( and attempted to be used ) at over 30 different ATMs throughout XXXX in a single evening. I believe that Chase is attempting to shift its burden of protecting against consumer ATM fraud to its customers, and is negligent in its handling the basic indications of ATM fraud.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint Complainant Information : Name : XXXX XXXX Email : XXXX Phone : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX Filing # : XXXX Subject : DEMAND for Immediate Removal of Charge-Off Accounts and Bankruptcy Reporting Complaint Details : I am filing this complaint regarding the unlawful and inaccurate reporting of charge-off accounts and bankruptcy on my credit reports. These actions are in direct violation of consumer protection laws and IRS regulations, and they infringe upon my rights as a consumer and a secured party.

Charge-Off Accounts : Under IRS regulations , charge-off amounts are classified as income and not as outstanding debt. Reporting these accounts on my credit report is deceptive, misleading, and a blatant violation of the Fair Credit Reporting Act ( FCRA ). Once a debt is charged off and reported as income for tax purposes, it is considered satisfied. Continuing to report these accounts as derogatory entries on my credit report is illegal and has caused undue harm to my financial standing.

Bankruptcy Reporting : I did not provide consent for any bankruptcy to be reported on my credit report. This reporting constitutes a violation of my rights under consumer protection laws. The unauthorized reporting of this information is defamatory and damaging to my financial reputation. 

Resolution Demanded : To resolve this matter, I demand the following actions : Immediate and permanent removal of all charge-off accounts from my credit report. These accounts are improperly reported as debts when they are considered income by the IRS.

Immediate and permanent removal of any bankruptcy information reported without my explicit consent.

Written confirmation from the credit reporting agencies and the creditors involved that my credit reports have been corrected and brought into full compliance with the law.

Failure to address these issues promptly and in compliance with the law will leave me no choice but to escalate this matter further. I will file additional complaints with the Federal Trade Commission ( FTC ), state attorneys general, and other regulatory bodies, and pursue legal action if necessary. 

This matter requires your immediate attention. I expect a full response and resolution within 30 DAYS Thank you for addressing this serious issue promptly and ensuring compliance with all applicable laws. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I deposit check amount XXXX to my personal account and the bank is holding my account for more than 15 days and I call many time no one give me clear answer why the holding the check and I call the attorney who give me the check he said your bank took the money form his account
Product: Money transfer, virtual currency, or money service

In reference to Case # XXXX XXXX XXXX XXXX XXXX " We appreciate your recent inquiry regarding a wire transfer of {$25000.00} that you informed us was from your XXXX XXXX  going XXXX a XXXX XXXX account XXXX Unfortunately, we are unable to provide any details of the matter as you not authorized on the XXXX XXXX account the matter would be in reference too. We recommend continuing working with your financial institution regarding any recalls of a wire transfer or investigation details that would be relayed to your financial institution or TD Bank XXXX in which was the instructing bank. We identified no XXXX XXXX error regarding the wire operations. '' I am requesting that TD Bank investigates the destination of the funds sent to its intermediary XXXX XXXX account as these funds were never debited to my TD BANK account.
Product: Credit reporting

Every year I try to use annual credit report.com and every year it is broken and locks me out of reviewing my data for free from XXXX-XXXX of the agencies. 

I tried to submit a complaint to them, and their site errored out. How convenient!!! 
Totally unacceptable. They ask extremely obscure questions that are almost impossible to know the answers to. If you do n't get these obscure questions right, YOU ARE LOCKED OUT!!!!!! 

Example : Did I open a mortgage account? I am very naive about financial instruments. I have no credit card, no loans, nothing. However, I live in a rent stabilized apartment in XXXX. By law my landlord must put my security deposit in some kind of savings account to accrue interest. Is this a mortgage account? How XXXX should I know? But I have to answer these questions 100 % right OR I AM LOCKED OUT WITHOUT ANY ADDITIONAL CHANCES TO TRY, OR ANY ALTERNATE QUESTIONS. 

Another example : What county did I live in in 2003. Well I was in college then, and I see the county I lived in so I selected it. I was totally unsure this was the right answer as my drivers license and learners permit have never used any address other than the one I have had, and currently have ( 20 years, XXXX apt , remember ). Luckily they were looking for my XXXX county, but if i was wrong. I 'm XXXX out of EASILY getting me free report. 

THIS HAPPENS TO ME EVERY YEAR. WHY DOES THIS SERVICE EVEN EXIST IF IT IS SUCH GARBAGE? 

I am not alone in my complaints : XXXX Do n't worry though, they will totally sell you the report if you cant get it for free. 

XXXX
Product: Student loan

According to studentaid.gov, the application I submitted recertifying my income for the XXXX repayment plan on XX/XX/XXXX, is in review. Yes, you read that correctly. A request from XX/XX/XXXX, is purportedly in review. Documentation is attached. This request was submitted to my former loan servicer, XXXX XXXX, XXXX to studentaid.gov. I frankly do not see how this can be. XXXX processed this XX/XX/XXXX, request on or about XX/XX/XXXX. Documentation is attached. XXXX ceased being my loan servicer as of XX/XX/XXXX. My loans were transferred to MOHELA at that time. I called XXXX XXXX XXXX to inquire why my request from XXXX is supposedly in review. A representative informed me that only MOHELA can close the case. Yet, MOHELA told me that it can not access the request. I have since switched to the XXXX repayment plan. Documentation is attached. My XX/XX/XXXX, recertification does not need to be in review. Rather, this matter needs to be closed as it has long since been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue involves Equafax. They have stopped allowing my credit report available to me online and through XXXX XXXX on XXXX. After 5 calls to customer support and being on hold for hours and requesting a supervisor I was hung up on several times. I then sent a written Letter to XXXX XXXX with a copy of my social security card, and a picture drivers license with my current address requesting that " I request an internal block removed from my account. ( Ref # XXXX ) .Nobody to date could explain or repair this problem with my Equifax account. PLEASE HELP ME!
Product: Checking or savings account

My purse was stolen on XXXX at XXXX with my checkbook. ( police report filed ) I called US bank around XXXX and the rep. helped me close checking account. She also had me list upcoming ACH debits. I listed XXXX 's {$190.00} expected on XX/XX/XXXX. She said US Bank would process that payment. Unfortunately, on XX/XX/XXXX I received an email from XXXX, the account was past due- the payment was returned by US Bank XXXX If I had known the info., given to me by a US Bank rep., on the phone on XXXX was incorrect I would have made an alternate payment arrangement for my XXXX card. This return payment resulted in a {$29.00} return fee & {$1.00} interest = {$30.00} on my account. I paid the past due immediately on XX/XX/XXXX and disputed the fees with rep & then a manager ; he refused to reverse. He said it was US Bank 's responsibility to credit my account for {$30.00}. I then called US Bank and and explained XXXX 's position. The US Bank rep said they would send a letter to XXXX explaining their position and request reversal of fee. It was not US Banks responsibility to pay XXXX 's return fee. I have not received a letter, so I called US Bank again today XXXX and they said once I receive the letter I should present it to XXXX  They would not credit my account for {$30.00}. 
I have been a valued customer for both multi billion dollar Corporations for over 30 years, but XXXX XXXX US Bank state they will not reimburse me for fees charged of {$30.00} through reversal by XXXX XXXXr a courtesy credit by US Bank. I'm a fraud victim and did everything correctly. Please advise. Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In reference to a complaint made this morning XX/XX/XXXX ( XXXX ) I made a report this morning with the CFPB about ED Financial LLC . they have went on my XXXX account changed my report again for the 3rd time this week. Soon as my score go up. They go on my reports and drop my score. I only found out this happened ; because scamming XXXX XXXX XXXX XXXX sent me a email. At this point Im thinking they are working together. I literally just mentioned this morning in my report how they make changes so often. XXXX is just as responsible, because they allow it. I called XXXX on XX/XX/XXXX to inform them of this. I also asked them to remove some information that's not mine off my report.
Product: Credit reporting or other personal consumer reports

I notice XXXX inquiries on my report. I called to dispute and was told that they were deleted however they are still showing on my report
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXX, a fraudulent, unauthorized charge was put on my account through XXXX XXXX for {$220.00}. Unbeknownst at the time, my card had been stolen and put onto another someone else 's phone in order to transfer money out of my account. 

4 more charges proceeded after the initial charge. 

One charge for XXXX, one for {$100.00}, the third charge for {$240.00} and then a last charge of {$240.00}. 

The following morning on Saturday, XX/XX/XXXX, I had found these charges in my Wells Fargo checking 's account, in which I had immediately called customer service in order to put in a claim.