23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Sierra Finances calls my relatives every single day. Each time disclosing all my personal business. They call my XXXX year old grandmother everyday and try and scare her into giving them my number, which they already have. Hey called me on yesterday at my jib4 times in a row. I have already told them I am not allowed calls and to cease and desist. I told her again yesterday and she over talented me and told me that is irrelevant. She just kept talking on the line that my manager was on listening to my personal business. She also talked to XXXX different people before me and was told I can not receive personal calls.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> The Northstar Companies pull my credit report though XXXX without my permission and illegally.
Product: Debt collection

Beginning on or about XX/XX/23, I started receiving phone calls from TD Bank at ( XXXX ) XXXX. On XX/XX/23, I was informed that TD Bank 's collection department was attempting to collect a debt the bank incurred due to TD Bank failing to verify Thief 's identity. Upon inquiry, I was informed that Thief stole my identity and opened a credit card account to purchase a XXXX XXXX. TD Bank refused to provide me with the address where Thief applied for the account. On or about XX/XX/23, I contacted TD Customer Service and was transferred to the Dispute Collection department. I was placed on hold for about 10 minutes and was subsequently disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I has timeshares program that has been sold back to the company and still reporting to Experian. We want this account updated and remove.
Product: Credit reporting or other personal consumer reports

These hard inquiries were not approved by me and violate 15 USC 16c-2 ; please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. Bought a car voluntary surrendered. Recieved balance after the surrender. Paid it off. XXXX XXXX  refuses to fix on credit report as paid stays shows in repossession still on credit report does say balance XXXX. Was agreed when paid they would remove it completely off credit. Have disputed it 6 times in the last few years.
Product: Debt collection

Portfolio Recovery is calling me repeatedly from various XXXX numbers in an attempt to collect debts that were discharged and well beyond the statute of limitations. I currently have no outstanding delinquent debts. They have texted me, called my personal phone and my business phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX POTENTIALLY NEGATIVE Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX BALANCE REPORTED INCORRECT {$680.00} XX/XX/XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$550.00} Updated on XX/XX/XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$660.00} Updated on XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$410.00} Updated on XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$440.00} Updated on XX/XX/XXXX XXXX POTENTIALLY NEGATIVE Balance {$500.00} Updated on XX/XX/XXXX XXXX Balance STATUS IS INCORRECT XX/XX/XXXX XXXX POTENTIALLY NEGATIVE Balance IS INCORRECT {$220.00} XX/XX/XXXX XXXX XXXX  XXXX POTENTIALLY NEGATIVE Balance INCORRECT {$990.00} XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX 
Balance {$590.00} Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance {$520.00} Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX INCORRECT {$370.00} XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I made a balance transfer from a XXXX XXXX credit card  to a Wells Fargo credit card. The Wells Fargo credit card ended up having an overpayment and I have been trying to get Wells Fargo to given me the overpayment eithe as a check or as a transfer from my Wells Fargo creidt card to my Wells Fargo checking account. 

The transfer was made to help pay for bills. 

I filed a request back in early XXXX ( XXXX I think ) and was told by Wells Fargo customer service that the check should arrive in about 30 days. 30 days passed and no check. I was transferred to the executive complaint group to escalate the request and was told they had 10 days to investigate and respond. 

In the meant time I had to take out another loan with a different bank to pay bills. That loan has been accruing interest daily so now I have been paying interest on two loans ( the balance transfer and the second loan ). 

After 10 days, nothing. I called a few times in late XXXX to get an update. Each time I was told they are working on it but was given no material information. Each time We requested a supervisor/manager to call us back. We did not get a call back from a supervisor or manager. 

I also requested that Wells Fargo waive any balance transfer fee given that they were suppose to mail a check weeks ago. And that Wells Fargo reimburse me the interest paid on the other loan. 

On XX/XX/XXXX I received a letter dated XX/XX/XXXX that said the complaint was closed with no actions because there was a dispute on my account ( it was for {$100.00} ). And the balance transfer fee and the interest on the other loan can not be waived/reimbursed because we never told Wells Fargo of the amounts nor was a balance transfer fee assessed for transfering the balance. There are a few issues : 1 ) We told Wells Fargo several times that we would not transfer the balance from the credit card to the checking account unless we know Wells Fargo would waive the fee.

2 ) Wells Fargo said they would not reimbuse the interest from the other loan because we never told them the amount.

3 ) After we received the letter that the request was not approved, we tried to complete a transfer using the Wells Fargo phone app. It was blocked.

4 ) we never received a request from Wells Fargo to provide a balance transfer fee amount nor the amount of interest from the other loan. In fact Wells Fargo did not reach out to me at all for any additinal information. 

This has been a nightmare and a comedy of poor processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

When my sister went to purchase her car in late XXXX ( XX/XX/XXXX ), the dealership pulled her credit. However, in the process, Equifax pulled my credit as well, likely because her credit report is intertwined with my own. 
Since I was obviously not the one who agreed to the credit pull, I first called Equifax in XXXX to dispute the two hard-pulls from XXXX ( Equifax dispute # XXXX ). I explained that it is likely that Equifax have me and my sister mixed up in their system. When I asked Equifax to remove the hard pull from my end, Equifax told me the dealership and the XXXX must be the ones that initiate the request electronically. 
So I called the said dealership and told them about the situation and asked them to do what Equifax told me the dealership would need to do. However, when the dealership called Equifax, Equifax told them that the request would need to come from my end as a dispute. 
Upon hearing this, I once again called Equifax to verify, and Equifax repeated what they had told me before, that the dealership and the XXXX need to initiate. I again relayed this information to the dealership, but again, when the dealership inquired Equifax, Equifax told them I need to do it through a dispute process. 
I find Equifax being the dishonest party here since Equifax is telling me and the dealership conflicting information, to my eyes, to avoid taking the responsibility.
Product: Checking or savings account

Zelle scams lost money The CFPB alleges widespread consumer losses since Zelles XXXX launch due to the platforms and the defendant banks failure to implement appropriate fraud prevention and detection safeguards. The CFPB alleges that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Early Warning Services violated federal law through critical failures including : Leaving the door open to scammers : Zelles limited identity verification methods have allowed bad actors to quickly create accounts and target Zelle users. For example, criminals often exploited Zelles design and features to link a victims token to the fraudsters deposit account, which caused payments intended for the consumers account to instead flow to the fraudster account.

Allowing repeat offenders to hop between banks : Early Warning Services and the defendant banks were too slow to restrict and track criminals as they exploited multiple accounts across the network. Banks did not share information about known fraudulent transactions with other banks on the network. As a result, bad actors could carry out repeated fraud schemes across multiple institutions before being detected, if they were detected at all. 
Ignoring red flags that could prevent fraud : Despite receiving hundreds of thousands of fraud complaints, the defendant banks have failed to use this information to prevent further fraud. They also allegedly violated the Zelle Networks own rules by not reporting fraud incidents consistently or on time. 
Abandoning consumers after fraud occurred : Despite obligations under the Electronic Fund Transfer Act and Regulation XXXX, the defendant banks failed to properly investigate Zelle customer complaints and take appropriate action for certain types of fraud and errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 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
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1800.00}
Product: Credit reporting or other personal consumer reports

This is my follow regarding the persistent presence of fraudulent items on my credit file, despite multiple attempts to rectify the situation. This ongoing issue not only poses a severe threat to my financial stability but also raises urgent security concerns. I urgently this matter. I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. Fast-track removal of the fraudulent items from my credit file to prevent further financial and security risks. Transparent communication outlining the resolution process and the steps taken to address this matter urgently. Attached, please find copies of the supporting documentation, including [ list the documents attached, such as police reports, identity theft affidavits, etc. ], for your reference during the expedited investigation. I emphasize the critical nature of this matter and the immediate impact it has on both my financial well-being and personal security. I rely on the accuracy and security of my credit file, and it is imperative that these fraudulent items are promptly and definitively addressed. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.
Product: Bank account or service

I am a member of hancock\ Whitney bank and I needed a document notarized, upon getting arriving which is a branch I visit daily I asked to have a document notarized the guy who knows me as a every day customer turned to the branch XXXX and asked her was the person there she immediately looked at me and asked are you a customer and I stated " well I do n't know you either '' sarcastically due to her viewing the mutual knowing of a customer she witnessed between me and the teller and she further stated let her check for the guy who has the ability to notarize documents. She went upstairs and came back down and asked me what type of document was it and I asked her why because she 's not a notary and is none of her business, and I told her it does n't make sense for her to get in my business and I still have to wait. she said well sir I will view the document and let him know because we have policies where we can not notarized verbatim on bank time any bank related documents. I told Her okay and allowed her to view and read my document waiting XXXX minutes I noticed a guy walk down stairs and XXXX minutes after that he came up and asked how may I help you, I told him I have a document to be notarized he asked what kind of document do I have because they can not notarize certain documents and the only thing they can notarize is bank related documents. I questioned that and he repeated that they are not allowed to notarize bank related documents. I told him well why did the XXXX get in my business when she knew nothing could be done and had I known this I would 've went to my credit union he apologized and stated is there anything he could do I told him no! I feel like closing my account and walked out. I called another hancock branch to understand the validity of what they stated and a guy on the XXXX XXXX branch by the name of andreu broce answered and told me that the document I had can be notarized as long as it was not a bank document in which my document is not. I hung up with him telling him I 'm on the way and I immediately called the branch on XXXX XXXX demanding answers to why I was made to feel broke and discriminated against in which the XXXX made up all kinds of apologies and now I am at the other branch with a motorized paper from the same bank just a different branch and now I feel I was discriminated against and refused a service that was due to me being a member of hancock\Whitney bank XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate & REMOVE these Fraudualent Accounts : 1 ) 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 In addition to, the Credit Agencies stated everything was complete, accurate XXXX and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile.

The selected laws are as follows : 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 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Debt collection

The company below is trying to recharge me for a debt paid in 2016. 
XXXX XXXX XXXX The company that was paid in 2016 is listed as XXXX, XXXX This account was settled on XX/XX/2016 for {$350.00}
Product: Checking or savings account

ON XX/XX/16 MY CHASE BANK DEBIT Account was breached AND THE PARTY RESPONSIBLE FOR THIS CRIME, STOLE A TOTAL OF {$3000.00} OUT OF MY CHECKING ACCOUNT THROUGH 10 DIFFERENT WITHDRAW TRANSACTIONS OUT OF A CHASE BANK BRANCH LOCATED IN XXXX XXXX, in their XXXX XXXX XXXX XXXX XXXX. Branch number XXXX. Replacement cards were requested on my behalf, when I never asked for those cards, the debit card I had on me was deactivated, when again never asked for those actions to be taken. 

NO RESOLUTION HAS BEEN CONCLUDED AND MY CLAIM WAS DENIED WITH NO RESOLUTION. The Chase XXXX XXXX Branch manager informed me that I should wait to reopen the claims, for them to receive the footage. However, from my point of view, how come my claim was denied if the footage was never reviewed? Every time I go in to check on the status, she is not in the branch or in another branch. I have gone to see her about 6 or 7 times since she told me to wait for the footage and she is not working.
Product: Credit reporting or other personal consumer reports

Equifax Please Remove these Unauthorized Inquiries removed from my credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Please Remove these Unauthorized Inquiries removed from my credit report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I started a dispute with XXXX XXXX to let them know they were not reporting the correct information on my credit report file regarding my bankruptcies. They reported back that the information was accurate back in XXXX. I then filed another dispute in XXXX and also included letters from the XXXX bankruptcy XXXX and also XXXX. I have since been told that my account is still under review with no updates. Only being told that someone will give me a call, or I'm placed on hold for over an hour with no help. I have letters from the companies stating that they do not give out personal information so I'm trying to figure out what's the hold up with updating my account. I know I'm past the XXXX day wait time so I'm looking for help.
Product: Checking or savings account

In the process of obtaining an adult guardianship for my mother. My mother is being financially manipulated by a fake priest. Signed legal documents were served upon Chase Bank instructing them to freeze a specific checking account/annuity accounts that are jointly named XXXX XXXX XXXX. Rather, Chase Bank went and froze every account under the name of my mother. This problem has been lasting over a week and my mother has general routine bills that she has to pay. I have been paying legal fees of {$470.00} hour in an attempt to have XXXX fix the mistake in which they made. The last contact was that XXXX at a local Chase Bank forwarded the relevant documents from the court to the legal department on XX/XX/XXXX, 2017, to unfreeze the accounts that Chase mistakenly froze. 

I am jointly listed on the primary checking account ending in XXXX and the related accounts as per Chase Bank statements.
Product: Credit card

On XX/XX/year> I tried to place an order on XXXX XXXX website using my Citi Brandsource card. I had trouble trying to place the order, so I followed up with XXXX XXXX afterwards to see if they received the order. They confirmed they did not. A few days later the charge for the item showed on my Citi Brandsource card for {$3300.00}. I contacted Citi Retail services to dispute the charge based on the fact that I never received the charge as well as XXXX XXXX never receving payment for the order. I received notice from Citi Retail services after a few weeks that I was still responsible for the charge, even though they received documentation from XXXX that I had not received the order, nor had they been paid for the order. I contacted Citi Retail services to wage my complaint that I will not pay for an item I did not receive. This is not acceptable to make a consumer pay for something they did not receive. I have a letter from the VP of XXXX XXXX stating they never received payment for my order. I never received the Applicance.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due   XXXX  ,   XXXX  ,  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Student loan

During the announcement of the Student Loan Forgiveness last year, I called to inquire about the payments that I had sent during the payment pause. 

The representative said that the payments I sent during this period would be reversed and refunded. 

Unknown to me, they mailed a refund check totaling {$12000.00}. This check was stolen and cashed, coincidentally during the XXXX XXXX period when my identity was stolen, which I have two separate police reports filed. 

Aidvantage, my student loan servicer, advised me to contact the PLS Check Cashers, where the check was cashed, which I did visit in person. 

The PLS locations fraud department then advised me to contact the Department of Treasury and ask for a Fraud Package that contains a Claim Against the United States for the Proceeds of a Government Check. 

I got in touch with someone at the Department of Treasury, although they told me to get in touch with the Department of Education.which then forwarded me to Aidvantagein otherwords, full circle to where I began. 

I need desperate help with this.