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

I was awarded unemployment benefits on XX/XX/XXXX. I was able to use the Way2Go GoProgram card on that day and completed XXXX transactions online. The next day I was unable to use the card and every transaction was declined from that day on. I tried calling the customer service number on the back of the card but there is no possible way to speak to a live agent. I can not find out why the transactions are declining and I do not know the status of my card. I read online that there is a feature both in the online account and by calling the customer service number, that will allow you to complete a funds transfer. After searching thoroughly, there is no possible way to transfer funds from this account to a more efficient bank/personal bank. There should, at the very least, be a way to transfer money out of this prepaid debit account and into a bank account. There should always be a live agent available to assist customers in matters such as these. There should be clear communication on the status of my prepaid debit. I checked the account program documents, and nowhere is it mentioned a daily spending limit or monthly spending limit. There is no way to determine if my account is frozen, and if so what the reason would be. All of my contact information is up to date and no agent has contacted me regarding issues with my account. I have money that belongs to me and am unable to access it. This is a problem no consumer should have to deal with. I've waited since XXXX to receive these benefits and now that I have them, I can not access them.
Product: Money transfer, virtual currency, or money service

Someone called on XX/XX/2021, and said that I had charges on my XXXX account and that they were going to set up security and make sure I got the money back. They took control of my computer which had my banking information on it. They went into my account and wired themselves {$3100.00} out of my checking account. Once I realized this had happened, I called Wells Fargo immediately and submitted a fraud complaint and was told they would work on it and it would be resolved as soon as possible. I received a letter from Wells Fargo saying that because they could not prove that I did not willingly allow the person to take the money, they are unable to refund my money. Basically, their thought is that there is a chance that I was in on the whole situation and may be benefiting from what has taken place. I was unaware of what was going on and wound up getting money stolen from me and nobody from Wells Fargo can give me any more options.
Product: Payday loan, title loan, or personal loan

I received an email invitation to apply for a loan. I applied and was approved. The debt consolidation was to be for a credit card and a personal loan. The payoff for the loan had to be sent by the company, which I completely understand. The problem was there was no way to pay my one lender in their predefined website fields. Which disqualified me for the loan. When I called to get this resolved I was told I had to withdraw my application. Which resulted in negative effects on my credit score.
Product: Money transfer, virtual currency, or money service

PNC will not allow me to link my bank account to the XXXX stock program, and I was directed by XXXX to file a complaint.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX.Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXXXXXX XXXX XXXX XXXXXXXX, GA, XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXXXXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

GENERAL REVENUE CORPORATION CALLED ME USING AN XXXXXXXX XXXX TO MY PHONE NUMBER XXXX ON XXXX. I TOLD THEM THEY CALLED ME AND THEY DENIED CALLING ME. THEY USED AN XXXX XXXX XXXX TO CALL MY NUMBER FROM THEIR PHONE NUMBER XXXX. I COMPLAINTED TO THE LADY WHO I SPOKE TO ABOUT THIS AND WANTED TO SPEAK TO SOMEONE IN THEIR COMPLIANCE DEPARTMENT. SHE DENIED MY REQUESTS. I ASKED FOR HER ADDRESS AND SHE GAVE IT TO ME. IT IS THE ADDRESS OF GENERAL REVENUE CORPORATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The sale was vacated last Friday on XX/XX/2023. I am asking for a final short sale approval so I can complete the short sale.
Product: Mortgage

THIS IS NOT A DUPLICATE COMPLAINT. I filed a previous complaint requesting the history of interest rates on my adjustable rate mortgage and a copy of the Note. The Company " Selene Finance '' then provided interest rate history information to you, but had never provided it to me after several attempts to obtain that information via phone request and faxed and mailed letters. Nor have they provided a copy of my Note. Well luckily, I now have the Note and HUD rider for my mortgage, I found my original copy in my records. 

So here 's the problem. According to XXXX at the CFPB the Company " Selene Finance " provided the following information about interest rate history. 
XXXX XXXX interest rate is 3.5 % XXXX XXXX interst rate is 2.5 % XXXX XXXX interest rate 3.625 % My NOTE ( see attached documentation ) says that the interest rate can NEVER increase or decrease more than 1 ( ONE ) percentage point per change period. Which was actually in XX/XX/XXXX, not XX/XX/XXXX. 

So for example XX/XX/XXXX is 2.5 % and XX/XX/XXXX is 3.625 % 3.625 % - 2.5 % =1.125 % So the current interest rate is 1.125 % higher than allowed per my NOTE.
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to discover that inaccurate accounts had appeared on my credit report, and I have no clue why. I regularly check my report without issue, but suddenly, there were discrepancies. I thought it was just a browser error and refreshed it, but the false information didnt go away. Im asking for a careful review of the documents Ive provided so I can finally put this behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Leasing offices are reporting an existing XXXX on my background. I have a clean criminal record and have never been convicted of a XXXX in any court.
Product: Mortgage

In light of Covd19 I have been trying to contact Rushmore Loan Servicing about Forebearance or assistance with reduced payments during this time. My income has been tremendously effected at this time and I am unable to make a full payment. I do not want my credit affected, as well. 

I have tried numerous times to make a phone call and they are not taking calls. The message states to go online however in doing so the ability to chat or send an email is also null and void. 

This company has STOPPED ALL LINES OF COMMUNICATION. 

IT IS AS THOUGH THEY DO NOT WANT TO ASSIST COSTUMERS IN ANY WAY. 

CAN YOU PLEASE HELP ME AND COUNTLESS OTHER CUSTOMERS WHOM ARE TRYING TO GET THIS ISSUE RESOLVED. 

THANK YOU
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP XXXX, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> ALSO A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER STAY AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NV XXXX XXXX
Product: Student loan

My consolidation was complete on XXXX/XXXX/17 with Fedloan Servicing. Since then my third party representative has communicated with Fedloan Servicing and they have repeatedly told her that my application is still in process. According to the representative my account was place on an arbitrary hold pending processing. It has been over three months since I have been able to pay back my loans. Every time I call they say it should process within the next week and yet, here we are and it still has not processed. I called in on Wednesday and spoke to one of the women in the escalation department and she illustrated that it should finalize before the weekend, today I called and it still has not finalized and another representative told me it should take another week. I do n't have the patience to keep waiting on something that was supposed to process months ago. This is unfair to me as in the meantime my loans accumulate interest. This needed to be resolved months ago- I should n't keep being penalized for their " system error ''.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX XXXX I sent money to a person who said they were selling me tickets. So I did just that. It was on chime to another account on chime. I thought that you had to be verified to use a chime account so I assumed that this was real. 
I sent over XXXX $ to a chime a user XXXX And then they never gave me the tickets or my money back. I called chime to report the account and have my funds returned to me. But they said they could not give me my money back and they could not give me the information of the other person. They could only send me my own bank statement. But Id have to wait till the next day. 
I wasnt helped I didnt get my money back.or a real resolution to this. This other person has my information and money. I thought chime was a safe bank.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I opened check account with XXXX XXXX XXXX, XXXX TX on XXXX XXXX 2015 and the banker helping me with account clearly told that there is no minimum balance needed. I told him that I will be going to XXXX on XXXX XXXX. On XXXX XXXX, XXXX transferred my account to BB & T as BB & T bought all XXXX in Texas. BB & T says that they received my account from XXXX with a negative balance of {$59.00} and BB & T threatening me that they will charge off my account and report it for collection if I do not pay. XXXX says that they reversed {$59.00} charge ( {$25.00} for checks and {$34.00} overdraft fee ) as it is not of my fault to receive stale ( not usable ) checks and my account was transferred to BB & T with ZERO balance but not negative. I am sandwiched between these XXXX banks as XXXX and BT & T refused to talk to each other as they said that they are not allowed to discuss about customer accounts as they are separate banks. After several phone calls and several requests, XXXX gave me a ticket number for the case but have not heard back from them yet. Meanwhile, BB & T is threatening me via phone call that they will take further steps to collect {$59.00}. To avoid further complications and effect on my credit, I requested my nephew to pay {$59.00} into my BB & T account and requested them to close the account. 
I am a victim of the sale of XXXX to BB & T and it is totally unfair for both banks not to talk to each other to resolve the error and putting customer in great trouble to the extent of ruining their credit for no fault of theirs. 

I request your authorities to talk to these both banks and ask them to help me to resolve this issue. I am sure that there might be more customers in this situation and victimised.
Product: Student loan

I had a XXXX XXXX loan that went into collections. The account has been transferred several times and each company charges me a default fee. 
The principle balance has been paid but I still owe {$8000.00}. This balance is almost entirely these bogus fees. I complained to the new company that charged me a default fee as soon as they sent me a bill and they stated that my loan docs allow for this fee. The new company did n't even give me the opportunity to make XXXX payment before they charged me for default. I looked at the original documents. They do say that I may be charged a default fee, but not by every company that touches the account. The loan docs do not state how much the default fee is or how frequently it will occur. I do not think this is a fair practice. I should be done with this and instead I am stuck making payments on made up debt.
Product: Bank account or service

I had a XXXX scammer from XXXX ruin my account at the Chase Bank in XXXX, XXXX. I cashed the check but it was a counterfeit check and the bank closed the account and sent it to collections. I need to pay off everything I owe Chase Bank and have an account in the positive. I have written them letters and phone calls and BBB complaints and it is not resolved. I see money scam after money scam on TV and get mail fraud from XXXX XXXX in XXXX, XXXX XXXX. XXXX XXXX claiming " XXXX wants me to be rich '' and he says he gives away " miracle money '' and he does n't. The US Postal Inspector should do something about this and they do n't. According to the show American Greed on XXXX mail fraud is a felony. Why do n't they do anything about it? They are on XXXX XXXX XXXX XXXX, XXXX. They and my bank need to communicate to pay off my debt and to open a legit account in the positive.
Product: Debt collection

Contacted Credit Bureaus to dispute this account. This is not my debt. I have no knowledge of this account. Requesting this account to be investigated and removed from my credit reports. This account is fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This address I never lived here I need this address removed from all 3 credit bureaus immediately
Product: Credit reporting or other personal consumer reports

Inquiry date : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Inquiry date : XXXX XXXX  XX/XX/XXXX Inquiry date : XXXX XXXX  XX/XX/XXXX Inquiry date : XXXX XXXX Bank XX/XX/XXXX Inquiry date : XXXX XXXX XX/XX/XXXX Inquiry date : XXXX XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX Inquiry date : XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I also ask these creditors several times to removed unknow reported addresses, and unknow reported names used. 


These are unauthorized inquiries on my credit report that I did not authorize these companies to run my credit, someone used my information. I have been a victim of identity theft and this is fraud. I have sent a few rounds of dispute letters in XX/XX/XXXX and no response and still to today my identity is being used. Last year XXXX I had to file for bankruptcy, this is ruining my life.
Product: Credit card or prepaid card

The account in question in discussion is THD/CBNA Account # XXXX the issue at hand is a late being reported in XX/XX/2020, in XX/XX/2020 I was sick with XXXX and was unable to call in to defer the payments since I was so unwell. 
Once I was well enough to make the payment I did make the payment immediately.
Product: Bank account or service

Old National Bank took out an overdraft fee of {$38.00} after I deposited a {$80.00} Money Order which was not suppose to happen. 
Problem Date : XXXX/XXXX/2016 Amount removed : {$38.00} Overdraft Account taken from : Checking Account Account # taken from : XXXX Company who took it : Old National Bank
Product: Credit card

I maxed out my CitiBank/BestBuy credit card & was unable to make the monthly payments. The debt was charged off & reported to the Credit Bureau. I now have the funds to pay the debt & have been trying to do so since the end of XX/XX/year>. I was told there had been fraud reported & that I was not responsible for the debt. CitiBank also told me that it should not be reported to the Credit Bureau but it was & STILL is. This is preventing me from qualifying for a mortgage & it needs to be resolved yesterday! 
I've made numerous phone calls to CitiBank, talked with countless representatives & been transferred all over the planet to no avail. On XX/XX/year> at XXXX I requested to speak with a Supervisor & was transferred to XXXX XXXX ID # XXXX ). He was apologetic & said he was emailing the Fraud Dept to have the codes removed & it could take 5-7 business days. I've spoken with 7 additional representatives over the course of 7 more phone calls to follow up & try to get this resolved. Fast forward to today XX/XX/year> when I was transferred to XXXX ( ID # XXXX ) again. He told me that the Fraud Dept was working on it yada, XXXX, XXXX. I reminded him of our chat on XX/XX/year> at XXXX when he told me he was emailing the XXXX XXXX to get this resolved. He seemed stumped & admitted that he did not note my account & did not send the email! I told him he really dropped the ball & asked to speak with his supervisor. Not surprisingly, there was not one available. He offered me the mailing address to send a complaint to which I declined. I have never worked this hard to try & pay a debt. I never reported fraud of any kind. I owe this debt but this has been such a HUGE time consuming hassle! I feel CitiBank should waive the debt & remove it from my credit report IMMEDIATELY. Thank you for your time.
Product: Credit reporting or other personal consumer reports

Chex Systems , Inc. Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Consumer ID # XXXX To Whom It May Concern : It has been brought to my attention that XXXX XXXX XXXX has listed ACCOUNT ABUSE ; NON-SUFFICIENT FUNDS on my Chex Systems file, dated XX/XX/year>. To my knowledge, I have never had ACCOUNT ABUSE ; NON-SUFFICIENT with XXXX XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from XXXX XXXX XXXX including copies of any documentation associated with this ACCOUNT ABUSE ; NON-SUFFICIENT which bear my signature. In the absence of such documentation, I request that this ACCOUNT ABUSE ; NON-SUFFICIENT be permanently removed from my Chex Systems report ASAP.
Product: Credit card

I had a Wells Fargo credit card around 2016 that was closed due to not being able to make the payment. I was charged fees and unexpected increase. Also tried making the minimum payment but Wells Fargo did not allow me to at the end when they automatically closed my card. This has really impacted me and my credit still is impacting my credit. I spent hours and hours trying to fix this with no luck.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I requested to transfer my Capital One Roth 360 IRA Savings account to an XXXX Roth IRA. After filling out and signing the appropriate forms so that the transfer could go through XXXX 's third party clearing operator, XXXX XXXX, months went by with no communication except for a weekly form email saying " Thank you for your patience. '' I spoke with Capital One on XX/XX/XXXX, and they told me that a check had been sent out on XX/XX/XXXX. I spoke to them again on XX/XX/XXXX, where I requested an affidavit to receive the funds from my Capital One account directly rather than moving them to XXXX, since I had lost faith in XXXX clearing after so many months of the runaround. They said they would email me this form ( they still have not XXXX. 

Meanwhile .... on XX/XX/XXXX, I received a message from XXXX stating that XXXX XXXX  HAD received my check on XX/XX/XXXX, but they rejected it because Capital One had not filled in the correct information on it. XXXX gave me no indication of this at the time despite my inquiries into its whereabouts. 

So on XX/XX/XXXX I called Capital One back to ask them to reissue the check with the correct information. They now claim that the affidavit I requested to get the money transferred to me is also required to get the check reissued to XXXX and that this form must be notarized. They also claim that the form was emailed to me on XX/XX/XXXX, but it was not XXXX I have scoured every part of my inbox ). 

So now my money is not in any of my accounts, and Capital One will not let me access it without a form that they are not providing me. 

Note : I'm listing Capital One as the company on the complaint because they you can only list one, and since they are the ones who are keeping my money from me, they are the ones most likely to be able to resolve the issue with pressure from you. But I believe all three companies, Capital One, XXXX, and XXXX XXXX, are at fault in varying degrees for what's happened here.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX