23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I chose to close my New York and Company card with Comenity years ago, but still continued to pay down my balance. The company had done some upgrades to their website back in XXXX of 2022, and users were unable to log in. They stated work was completed sometime in XXXX and that users by then should've regained access to their accounts. Come XXXX, I still could not log in. I gained access like a week into XXXX and then paid my bill. I was charged a late fee that they refused to remove. 
The last statement that generated on my account was for XX/XX/2022, with a balance of XXXX. For months no other statement had generated yet I continued to pay, up to a total of XXXX. In XXXX I decided to login and check my balance, which still remained more than XXXX, despite the account being closed, {$170.00} dollars in payments and interest that was only about {$2.00} dollars. I submitted questions and another request to remove that late fee for when their website was not working and I got the same generic response and refusal. I also explained that my balance was not dropping despite payments to no avail. Fast forward into a request to launch an investigation because I feel comenity is committing fraud on my account, they continue to post late payments and report to the credit bureaus that I am late and now those months of not having statements generated magically show up on my account. I took screenshots of all of this. 
They hound me by calling me about 10 times a day, from different numbers and/or blocked numbers. They sometimes don't identify themselves, and I've had instances where the reps hang up as soon as I pick up. I guess they want the call to show up on the log but they want to get paid for harassing people.
Product: Money transfer, virtual currency, or money service

I am the victim of wire fraud which seems to be abetted by Wells Fargo. After wiring {$15000.00} to the recipient 's Wells Fargo account for an automobile purchase XXXX, the vehicle was never delivered. 

I believe my loss was facilitated by Wells Fargo 's failure to properly verify the owner of the receiving account. Wells Fargo failed to respond to my questions on ownership of the receiving account, available balance in that account or any identifying information that could be provided to law enforcement. 

In the end, Wells Fargo suggested I meet with a local, XXXX XXXX, branch manager. When contacted, that branch manager would not meet with me and kicked the can back to the Wells Fargo fraud group who did nothing. 

We are now left to engage an attorney to help us resolve what should be a simple resolution.
Product: Debt collection

I am a victim of identity theft. Several years ago my office was broken into and my wallet and passport were stolen. My wallet contained my social security card and my driver 's license. After the theft several accounts were opened in my name without my knowledge or approval. I have disputed these accounts and the only account remaining is this debt collection account. I have attached a copy of the police report to this dispute. I never did any business with the original creditor " XXXX XXXX ''. I never had any accounts with this company nor do I owe them any money.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, I met a man through a dating app site who turned out to be a scammer. He successfully scammed me of all my savings and had me max my credit cards. In addition, he had open a payday loan and a lease with XXXX XXXX XXXX. 

The loan with XXXX XXXX for a cash price of {$700.00} plus interest was a total of {$900.00} was reasonable and I was able to pay it off after he ghosted me. 

However, the loan from XXXX XXXX XXXX opened on XX/XX/XXXX is a nightmare. It's through Acima lease with a cash price of {$3900.00} and cost of lease service at {$4600.00}, making a total of {$8600.00}. 
They used to take {$170.00} from my account every week and they opened this credit line for me with the knowledge that I did not have a job or any means of income. 

I called Acima on XX/XX/XXXX, once I understood that I had been scammed to let them know about the situation and that I had to report to the police. I was advised to send the police report, which took weeks, and on XX/XX/2021, when I finally got the report I sent it to Acima. On the XXXX of XXXX, they wrote me saying they did not consider it fraudulent based on the report, therefore I was still responsible for the loan. 
I responded to them the same day asking for help with the lease and advising them that I had no income coming in as unemployment checks were going to stop coming in, also gave them the option of telling the store to go get their products back as they have the vehicle information. The response I got on the XXXX of XXXX was to dispute it on XXXX, which I did today XX/XX/2021 and still waiting on their response. 

Eventually, On XX/XX/XXXX, I had to block them from my bank account as I was not allowed to remove my account from autopay. Because I blocked electronic checking, they used my debit card ( did not realize they had that information, I believe it was when I had to pay the {$56.00} fee when the account was open ) on XX/XX/XXXX, to charge my account making it go red, which defied my reason for blocking them in the first place. So I am currently disputing that with my bank submitted XX/XX/XXXX, which has made my account current for now and had my debit card blocked as well, as we speak they are still trying to charge it every single day since XX/XX/XXXX and got my bank thinking my card was stolen and blocked my card on the XXXX of XXXX. 

When this man pressured me to open this account, I did not think the lease will be opened giving that I did not have a job, equity, or investment but, they did open it anyway with the scammer at their store and myself at home. I did the signature online and had to pay a {$56.00} fee for some reason. At the time, I felt that this man was going to pay this lease and give me back all the money owed. 

So far I have paid them {$1500.00} and, I am at my wit 's end cause at the moment I am XXXX and can not work ( still waiting on XXXX application ). I have absolutely no way of paying this lease, this is more than 100 % interest just for some wheels!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in 2016. When the clerk at the bankruptcy court entered my case information, they forgot to add my XXXX XXXX XXXX to my bankruptcy despite the information being in the filing documents. The bankruptcy clerk, instead of amending the filing to correct their error, dismissed and refiled the bankruptcy under a different case number. My credit report shows I have two bankruptcies from 2016, which is greatly affecting my credit score. I provided the credit reporting agency with the document from the court indicating that they made an error, and refiled the bankruptcy. The credit reporting agency XXXX refuses to remove the bankruptcy erroneously reported.
Product: Prepaid card

Hello I have multiple American Express XXXX XXXX that I am unable to use anywhere. When I've tried to reach customer service I'm on hold forever- so I keep trying to use them at different vendors XXXX, XXXX, XXXX XXXX, XXXX This has been going on for over a year now. 
There are five cards. The last time I was able to check ( I've tried for over an hour today without success ) I had balances of {$6.00}, {$9.00}, {$17.00}, & {$10.00} on four of them. The fifth one is for {$25.00} however I have not confirmed that balance. 
I have checked on XXXX which is how I found out about this website. Appreciate any assistance. I will not be purchasing any AMEX " gift cards '' as gifts in the future and will definitely be spreading the word on their practices.
Product: Checking or savings account

PNC and XXXX  XXXX keep calling me about owed debts, dont belong to me.
Product: Mortgage

Lima refused to provide me with a mortgage because it saw an XXXX XXXX on XXXX. My personal background is absolutely clear and I work in the financial industry. They discriminated against me because they said people like me should not get more loans and they can deny any one a loan based on their choices and if I want to sue I can do so. They dont care
Product: Student loan

In the last year I have attempted and thought I was making payments on my student loan. After signing into my own personal account through Mohela and using the app. I began making payments through the app. Only to find out after my due date the system would kick my payment back in turn, charging me interest and making payments more difficult. I have been in touch with representative back in XXXXXXXX XXXX  and they resubmitted my checking info. Again, I thought I was making payments again and payments are continued to get kicked back to me three four days after my due date. I think this has been happening for sometime and I believe and my bank " XXXXXXXX XXXX '' believes I am being XXXX  for interest money. My next step is to search for a lawyer to persue the wrong doing of Mohela and how they have misrepresented their intentions over the last year in handling my student loan. I believe this has been illegal behavior on Mohela and I am unsure how much interest before I began paying they have added to my loans. This matter is serious and I hope I am taken serious. I can be contacted through my email or personal number XXXX. With all that have happen with student loans since covid 19, I am unsure if my loan information is close to accurate. Also, I signed up for loan forgiveness a year ago almost. This ruins my loan forgiveness efforts as well. I hope someone contacts me asap. 

PS. Funny, the app. I was paying through for weeks, no longer works and you can not reach anyone on the phone any longer. I have called several times. 

Thanks, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX unauthorized XXXX payment of {$1000.00} XX/XX/XXXX XXXX unauthorized XXXX payment of {$500.00} XX/XX/XXXX XXXX unauthorized XXXX payment of {$500.00} XX/XX/XXXX XXXX unauthorized XXXX payment of {$500.00} XX/XX/XXXX XXXX unauthorized XXXX payment of {$1000.00} I called wells fargo XX/XX/XXXX immediately XXXX XXXX woke up and saw my account drained at XXXX to report fraudulent withdrawals. 
I again called wells fargo on XX/XX/XXXX at XXXX to check the status of my claim, and they told me their investigation could not prove that there was fraud, and that they would not refund my money. 
By not taking the appropriate action, or letting me appeal their " investigation '' they are complicit in theft.
Product: Credit reporting or other personal consumer reports

I am writing to report an issue with the XXXX XXXX XXXX XXXX XXXX credit bureau concerning an account with a balance of {$430.00}. I have contacted the credit bureau XXXX XXXX to dispute the accuracy of the information being reported on my credit report. Specifically, the date of last activity for this account is inconsistent across different credit bureaus. 

XXXX is reporting the date of last activity as XX/XX/XXXX, while TransUnion is reporting the same account with a date of last activity as XX/XX/XXXX. This discrepancy suggests that the account has been re-aged, which is incorrect and harmful to my credit standing. 

Despite my efforts to resolve this matter, the credit bureau has responded by stating that the account was verified with no changes made. This indicates that they did not conduct a proper investigation into the matter, as the conflicting information clearly shows that the reporting is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair credit Reporting Act ( FCRA ) ,15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer financial protection Acy ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the XXXX 's recent administrative proceeding ( file No. XXXX XXXX ) against them for similar violations. Request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

We moved into XXXX XXXX XXXX, XXXX on XX/XX/XXXX. We have the lease and move-in items checklist proving what we moved in with per signed lease agreements. Upon moving out of the apartments on XX/XX/XXXX we received a bill of listed items that had to be done by their maintenance staff. The listed items were false and inaccurate, one of the items was washer and dryer removal. The charges were submitted to NATIONAL CREDIT SYSTEMS credit agency on XX/XX/XXXX. I have the original lease documents proving these were inaccurate charges as we moved into the apartment and out of the apartment with our own washer and dryer. On XX/XX/XXXX I tried to dispute via XXXX with the dispute being verified as accurate. I attempted to dispute this item again onXX/XX/XXXX with the dispute being marked as " completed investigation of FCRA dispute - consumer disagrees ''.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian to reinvestigate these accounts : Account name : XXXXXXXX XXXX XXXXXXXX, Account name : Dept Of Ed XXXX XXXXXXXX, Account name : XXXX  XXXXXXXX XXXX XXXXXXXX, Account name : Dept Of Ed XXXX XXXXXXXX, Account : XXXX XXXXXXXX XXXX XXXXXXXX, Account : Dept of Ed XXXX  XXXX, Account : XXXX XXXX XXXX XXXX XXXXXXXX, Account : Dept Of Ed XXXX  XXXX, Account : XXXX XXXX XXXXXXXX, Account : Dept Of Ed XXXX  XXXX. However, they stated everything was complete and accurate BUT THIS IS NOT COORECT. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. PLEASE REMOVE ALL ACCOUNTS ASAP!!!
Product: Bank account or service

US Bank XXXX, CA branch manager has frozen my business & personal bank accounts due to a personal vendetta against me. My accounts have been frozen for three months. I have reached out to the bank but received no response as to why my account was frozen or when my funds will be released.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$32000.00}, US DEPT ED XXXX Balance Owed : {$0.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$8800.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed XXXX {$6000.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed : {$8300.00}, US DEPT ED XXXX Balance Owed : {$5500.00} XXXX US DEPT ED XXXX Balance Owed : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau for some reason continues to update an account that was included in a XXXX XXXX Bankruptcy on XX/XX/XXXX. The account is called XXXX ( XXXX  ) XXXX Throughout the years, my Experian report showed this lender having various " status dates '', and even every so often a new derogatory payment history indicator. All on an account included in the Bankruptcy & closed in XX/XX/XXXX. One year Experian would have a new XXXX date, then another date, and now a new date of XX/XX/XXXX for a status date and also again making a negative payment history remark for XX/XX/XXXX. Note : No other accounts that were included in the BK, have a status date past the Bankruptcy file date. Every other account included in the BK, says XX/XX/XXXX. Also no other Credit Reporting Agency has the new dates and continued derogatory payment history for this lender. Seriously, Experian has changed up this lender info yearly, even way after the BK, and whenever I submit court docs, it's like a monopoly of what Experian will change & report. I can attach XXXX XXXX Bankruptcy Schedule from XXXX. The newest entry from Experian now says " included in Bankruptcy in XX/XX/XXXX ''!!! Five years off from XX/XX/XXXX being the date of the account being included in BK.After talking with my BK attorney, we see contempt of the law, but are trying to get Experian to cooperate. Because this has gone on for years of continued wrong information, we request the report to be corrected or for the XXXX ( XXXX XXXX  XXXX to be removed totally. Thank you
Product: Mortgage

Original complaint is XXXX. I responded to that complaint with my rejection of Bank of America 's Regulatory Specialist, XXXX response. But more recently I received his letter that states there is no evidence to support my claim of customer neglect and abuse. However, in our live phone call he stated the opposite to me, ie. that they had in fact uncovered customer service habits and practices that need improvement.When I asked him how the improvements were going to be made, and what exactly they uncovered, he stated that that was proprietary information so in fact he TWICE acknowledged that there are issues. He also stated that this determination would be in his letter to me but in fact it is not. I want to document these deliberate inconsistencies as attempts to cover up facts. I did in fact experience poor customer service, as well as possible age discrimination because XXXX loan officers, over the phone, and over the course of an entire year, rejected my requests for information regarding refinancing by stating I was ineligible. Mr XXXX, the Regulatory representative, conversely told me over the phone that there are other programs for which I could apply. He then proceeded to attempt to blame me for not pursuing an application! I asked him why I would do that when I was advised by XXXX loan officers that I basically would be wasting my time. I want this update to go to Bank of America relevant employees, including Mr. XXXX.
Product: Consumer Loan

In XX/XX/2016, Navy Federal Credit Union stated I have a loan balance with them in the amount of {$1100.00}. with fees added, totaling {$1200.00}. NFCU offered me a settlement of {$630.00}. the settlement was paid in XX/XX/2016. Today, XX/XX/2016, I am reviewing my XXXX credit report and NFCU is reporting that the {$1200.00} has been written off vs paid in settlement. I spoke with NFCU and they claimed there 's nothing they could do to change the " falsely '' reporting information and it is XXXX reporting the information and not NFCU.
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 finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

A company pulled my credit report 5 years after I entered store. 

I did not authorize credit use or provide my SSN at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion has been doing nothing despite all the letters and complaints I have been submitting addressed to the Credit Bureaus. How many letters do I have to send? How many complaints do I have to submit? Is it not that enough proof to inform you that I am a victim of Identity theft? I am frustrated to see the Credit Bureaus stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking proof of documents bearing my signature to prove the Credit Bureaus claims that the disputed items belong to me, and yet they sent me nothing! I have been offered help by my legal counsel to pursue legal actions but filing a lawsuit against the Credit Bureaus and sue them for the damaged taken due to theyre incompetence. I am submitting this complaint to inform the Credit Reporting Agencies that I am going to file a lawsuit against them if they still chose to not remove the disputed items from my Credit Report. I reported the theft of my identity to the Federal TradeCommission and I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Report and the Police Report that I have filed on my local police department. If the Credit Bureaus do not want to be brought up to court due their willful non-compliance of the FCRA, I advise them to remove the following items completely from my Credit Report at the earliest possible time : XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX