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

I am filing a claim against XXXX XXXX for fraudulent transactions linked to my account from XX/XX/year>2022 through the end of XX/XX/year>2022. These transactions were unauthorized and caused significant financial hardship. I did not initially notice the fraudulent activity until Wells Fargo sent me a letter notifying me of a negative balance due to bad checks. Upon investigating, I discovered that these charges originated from my XXXX XXXX account. 

In XX/XX/scrub> 2022, my phone and wallet were stolen, leaving my financial accounts vulnerable. Due to a medical condition that affects my memory, I had stored sensitive passwords and financial details in my phone, which did not have a lock. This allowed unauthorized individuals to access my XXXX XXXX and other financial accounts. The fraudulent activity resulted in a negative balance of {$3900.00} on XXXX XXXX and over {$2500.00} in fees and overdrafts with Wells Fargo, which I am still repaying under a payment plan. 

Once alerted by Wells Fargo, I began investigating the transactions myself, as the bank did not conduct a thorough audit of my account to identify fraudulent patterns. My investigation revealed that the fraud began as early as XX/XX/scrub> 2022, well before the theft of my phone and wallet. I noticed wire transfers from fake accounts and deposits I could not explain. For instance, an individual named XXXX XXXX sent {$500.00} to my XXXX XXXX account and attempted multiple transfers, which ultimately led to significant overdrafts on my Wells Fargo account. 

On XX/XX/year>2022, the fraudulent activity escalated. Several transfer attempts were made from my Wells Fargo account, starting with a failed attempt for {$1000.00}. This was followed by XXXX failed attempts of {$500.00} each before a transfer was finally approved. After this, the perpetrators made a fake money transfer into my account to disguise the fraud and withdrew real cash from ATMs. 

Despite my efforts to explain the situation to Wells Fargo, I was unable to resolve the matter. I am requesting that XXXX XXXX review this claim and reimburse the fraudulent charges.
Product: Credit reporting or other personal consumer reports

To remove fraud accounts off my report completely dont just close the account remove it XXXX XXXX XXXX ( {$530.00} ) Closed on XX/XX/XXXX XXXX XXXX XXXXSELFLENDR Closed on XX/XX/XXXX XXXX XXXX XXXX  Closed on XXXX XXXX, XXXX SELF/XXXX XXXX XXXX Closed on XX/XX/XXXX Everything else XXXX dollars but with late payments XXXX XXXX XXXX XXXX Closed XXXX XX/XX/XXXX Its hurting my XXXX XXXX badly Transition XXXX XXXX
Product: Checking or savings account

Wellsfargo charged me multiple overdraft and NSF Fees Simultaneously from XXXX and stated that it was in XXXX and explained via statement as well but I could never find that info and when requesting Exec to review calls they stated theyre not at Liberty to do so without a warrant, Im just a regular consumer how am I going to go up against a XXXX dollar entity
Product: Bank account or service

On XX/XX/XXXX, a payment came through to my Bank of America checking account which over drew my account {$1.00}. When i realized this i tried to call BOA for 4 days straight because they notified me that they would add another {$35.00} fee for extended overdraft. I am a college student and in between student loan refunds for the semester so i did n't have {$2.00} to cover the {$1.00} that was overdrawn. In addition most banks give consumers at least 24 hours to bring the account current before adding a fee. BOA added the fee the same day, even though I NEVER signed up for overdraft protection and they could have not paid the charge and rejected it. I attempted to call BOA over the course of 4days, and on XX/XX/XXXX emailed them. If i had spoken with someone from Bank of America, this fee would have been waived and the account would have been brought current, eliminating the need to then charge me another {$35.00} fee for being {$1.00} over drawn. 

To summarize BOA paid a charge on my account without my authorization, bring my total account balance to - {$1.00}, and then charged me a total of {$70.00} in fees, which is predatory and excessive. 

I would like the total amount of fees {$70.00} returned to my account.
Product: Student loan

Hello, It has been 70 days since I emailed FEDLOAN AND PHEAA about their violation of Section 34 CFR 685.221 ( b ) ( 4 ), and they have not denied violating the regulation, so I am filing this complaint with CFPB in order to receive a reply from them, correction of my loan balance, and to promote awareness of unlawful capitalization so other borrowers are not victimized. 

On XX/XX/XXXX I emailed FedLoan Servicing and PHEAA about the unlawful capitalization of interest on my loans in XXXX. In XXXX I ACCIDENTALLY missed the re-certification window for my income-driven repayment plan with FedLoan Servicing. Section 34 CFR 685.221 ( b ) ( 4 ) doesn't require interest to be capitalized when a re-certification window is ACCIDENTALLY missed. In fact ( b ) 4 ) says interest is capitalized per ( b ) ( 3 ) only when the borrower " CHOOSES '' to leave IBR plan or the partial financial hardship is over. I met neither of these conditions. Accidentally missing a deadline is not a CHOICE and the financial hardship I had still continues. 

In accordance with Section 34 CFR 685.221 ( b ) ( 4 ), I am requesting that the unlawful interest capitalization in XXXX be reversed immediately and my principal and interest balance corrected as if the interest had never been capitalized. If this is not corrected I will sue in federal court to force compliance with 34 CFR 685.221 ( b ) ( 4 ) and also consider a class action for other borrowers who have had their interest unlawfully capitalized. Furthermore, I will seek reimbursement for attorney fees and case costs. I will also write to several papers to promote awareness of the story and FedLoan 's unlawful actions. The unlawful capitalization also forced me to enroll in the REPAYE program in XX/XX/XXXX, which caused interest to capitalize again. I would not have done that had XXXX 's capitalization never happened. 

I am also requesting FedLoan to return my {$60000.00} paid in XX/XX/XXXX. I would not have paid that money if the interest had never been unlawfully capitalized. I need that money to live now. My income has suffered due to the pandemic. I have had to borrow {$11000.00} from family just to stay afloat. 

Sincerely, XXXX XXXX, XXXX.
Product: Mortgage

This fraudulent mortgage company has shysters with an office that no one is allowed to walk in or schedule an appointment. PHH mortgage services is refusing to send a payoff statement after being asked repeatedly. PHH mortgage will send the payoff statement if an appraiser checks the appreciation value and a closed agreement sale is completed to generate a calculation. Escalation management were giving probable estimations over the phone refusing to deliver a precise written payoff statement. PHH mortgage is breaking the state law of New Jersey in regards to send a payoff statement after a written request is sent.
Product: Mortgage

We departed our home on XX/XX/XXXX for a 28 day vacation across the country. When we left, we confirmed that our mortgage payment of XXXX was automatically set-up through bill pay to get to LoanDepot on XX/XX/XXXX. When we returned on XX/XX/XXXX and collected our mail from the US POST OFFICE, we discovered a letter from LoanDepot dated XX/XX/XXXX informing us that the XXXX ( we always pay extra to reduce the principle ) dollar payment we made on XX/XX/XXXX was insufficient funds for the new mortgage payment of XXXX. Attached to this LoanDepot XX/XX/XXXX letter was a check for XXXX dated XX/XX/XXXX, which was a refund of our XX/XX/XXXX mortgage payment based on what we knew when we departed for vacation on XX/XX/XXXX. They then charged us an XXXX late fee on XX/XX/XXXX and sent in a late fee payment notice to my credit report. When we discovered what LoanDepot had done on XX/XX/XXXX we immediately mailed in a check for XXXX for the XX/XX/XXXX payment and corrected the bill pay mortgage payment to XXXX for our XX/XX/XXXX and subsequent mortgage payments. LoanDepot received the XX/XX/XXXX bill pay mortgage payment and applied that to the XXXX mortgage payment and told us as of XX/XX/XXXX they had not received the XX/XX/XXXX mortgage payment or late fee. We then sent a second bill pay mortgage payment of XXXX to cover the XX/XX/XXXX payment to include the late fee. They received both the bill pay mortgage payment and the mortgage payment check on XX/XX/XXXX and applied these funds to our XX/XX/XXXX and XX/XX/XXXX mortgage payments. Our issue with LoanDepot is they never sent us any correspondence via e-mail ( which we were checking daily and they have on-file ) but relied only on USPS mail which we did n't have any ability to have access to until we returned from our trip on XX/XX/XXXX. We feel we should n't have to pay the LoanDepot late fee and LoanDepot should retract the late payment statement from my credit report. LoanDepot did n't do enough to make us aware of the increased mortgage payment for XX/XX/XXXX while we were physically not at our residence. If they had contacted by both via USPS and e-mail, our payments would have been on-time and in the correct amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Product: Checking or savings account

On XX/XX/XXXXXXXX I was reviewing my Chase checking account and noticed a pending charge of {$99.00} ( XXXX ) that I did not recognize. After looking up the city and business name ( XXXXXXXX XXXX XXXXXXXX, California ), I realized that this transaction was fraudulent and immediately called Chase to report it. I was very alarmed when the individual on the phone informed me that a PIN had been used and a card swiped, as my debit card never left my possession. I let him know that I did travel from XXXX XXXX to XXXX, CA on XX/XX/XXXX but only made 2 stops ( XXXX and XXXX XXXX ). He assured me that Chase would investigate thoroughly and, in the meantime, reverse the transaction and send me a new card. I was disturbed but had faith that the fraud would be solved. 

I received an online letter from Chase XX/XX/XXXXXXXX  stating that the fraudulent transaction appeared authorized and thus the {$99.00} would be re-debited from my account. Again, I immediately called Chase. The individual on the phone told me that the only reason given to turn down my report was PIN entered he advised me to submit documentation proving that I could not have made the fraudulent transaction. I did as instructed with a paper trail of where I was that day. I also met with banker XXXX XXXX on XX/XX/XXXX at XXXX at Chase Bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX to alert him of the situation and confirm that my case would be re-reviewed. 

I received further correspondence via letter on XX/XX/XXXX informing me that the fraudulent charge was ( again ) considered authorized and no changes would be made. I again met with XXXX XXXX on XXXX  at XXXX to find out what further steps could be taken. As I discussed with XXXX XXXX, I used my credit card for gas at XXXX XXXX XXXX in XXXX XXXX, CA 1 hour and 35 minutes after the timestamp of the fraudulent charge. This should be proof enough on my end, as this address and the fraudulent charge address are XXXX miles apart. I also pointed out that I drive a XXXX gallon XXXX so would have had no way of purchasing {$99.00} of gasoline. I offered additional proof of all of these factors via any other avenue ; for example, I have several pictures from that day with location on my phone that prove where I was and was not. XXXX XXXX contacted the fraud department ; after speaking with them, he conveyed that Chases only alleged proof that I made the fraudulent transaction is the fact that a card was swiped and the correct PIN entered on the first try. It seems that they refused to review my evidence of my whereabouts that day and consider the case closed. They refused to provide any further evidence or investigation to support their case and will not acknowledge information I provided, despite the fact that the ( authorized ) subsequent credit card transaction at XXXXXXXX  PST should be enough to refute their claim that the fraudulent charge is authorized. I am left with money stolen from my account and no way of knowing how this happened.
Product: Credit reporting or other personal consumer reports

Well, according to Consumer Law of 15 USC code 1681a transactions and history amounts are not to be reported. Also, 15 USC code 6802 was violated I was not given and have not or ever given the option to OPT OUT of anything being added to my consumer report. Experian, XXXX and XXXX have never provided the option or fulfilled their part in letting me know what is being reported on my report. Furthermore my bank institutions have also improperly reported ( XXXX XXXXXXXX, XXXX XXXX XXXX  ) according to the Fair Credit Reporting Act and the Privacy Act of 1974, also 12CFR 1016.13, 1016.4 and 1016.5. They have never informed me of my right to exercise my disclosure option. 15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection consumer report containing any of the following any of the following items of information and any adverse items of information, other than records of convictions of crimes this antedates the report by more that seven years. These agencies are once again reporting without my consent it is against the LAW 15 USC code 1681s-2 ( A ) ( 1 ) states " a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe the information is not correct. 15USC code 1681e also states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations section 1681b of this title " Experian, XXXX and XXXX are not complying with procedures. Also my banking institutions ( XXXX  XXXX and XXXX XXXX XXXX ) are not following procedures as well. They are offering my information to 3rd party agencies, who are not banks. Furthermore, 12CFR 1016.7 states a consumer may exercise the right to OPT OUT at anytime '' I am opting out of the reporting services. Also, whatever happen to the Fair Credit Reporting Act 15 USC 1681 section 602 which states " There is a need to insure the consumer reporting agencies exercise their grave Responsibilities with Fairness, impartially and respect for the consumer 's rights to privacy. '' O, I have the right to make sure my private information is not shared which states in 15 USC 6801, " It is in the policy of Congress each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of consumers nonpublic personal information. Absolutely, non of these credit reporting agencies have my written, implied verbal or non-verbal consent. ONCE, again, I am OPTING OUT of your reporting agencies and banking institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigate Based on my communications with all the credit agencies in XXXX of 2022, regarding the inaccurate information posted to my credit report ; I explained to all 3 agencies to investigate the information posted that was not accurate. Their response was that the information posted was accurate per their investigation. I asked if they could investigate each account listed on my file. 

According to the Fair Credit Reporting Act the term investigative consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such item ( s ).

They also stated that my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts reported are not 100 % accurate. Additionally, according to the Fair Credit Reporting Act 15 U.S. C. 1681 everything has to be 100 % accurate. I have downloaded a copy of my credit report.

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
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 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 XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681 section 602 A States I have the privacy.

15 U.S.C 1681 Section 604 A It also States consumer reporting agency can not furnish an account with writer Instructions.

15 U.S.C. 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Product: Credit card or prepaid card

I have applied Citi Credit Card with XXXX XXXX with a promotional offer of XXXX miles. 
Before applying Credit card, I called both Citi and XXXX XXXX and checked about my last promotion to make sure I am eligible for this promotion as I have once received miles using similar promotion in year XXXX. As they said, card can be opened again in 4 years to qualify for the promotion, I applied the card again on XX/XX/XXXX. The last card I applied was on XXXX XXXX XXXX and closed on XX/XX/XXXX. As it exceeded 48 months as per their statment, I have applied the card again on XX/XX/XXXX and it was approved and I have spend XXXX in the first 2 months and when checked with Citi again on XX/XX/XXXX, they said they can not issue miles again as the last miles were given in XX/XX/XXXX and it did not exceed 48 months. 

I should have waited couple of months if they were clear on this when I did my initial call. 
I have unnecessarily applied for it if the miles were not given to me. I should have taken some other advantages instead of XXXX  hard hit on my account. 

I tried reaching to the bank on XX/XX/XXXX, but they couldnt help me on this. Can any way I can get help on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXXr and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters and tried to resolve this issue. I demand this account be deleted immediately. I am in litigation and by law this agency must delete. This is a violation of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Accounts are : XXXX {$2300.00}, XXXX XXXX XXXX, XXXX XXXX XXXX {$780.00}, Inquires ; XXXX XXXX, XXXX, XXXX XXXX, equifax mortgage, XXXX XXXX, XXXX and XXXX  Please remove any inquiry within the last 30 days.