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

We hosted a conference at XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The final bill, of {$31000.00} was presented to us through email starting XXXX XXXX XXXX  Our point of contact at XXXX XXXX XXXX sent an email stating the hotel was transitioning to ACH/wire system. We followed the directions sent to us and processed the payment through ouXXXX XXXX XXXX  XXXX account on XX/XX/scrub>XX/XX/XXXX. I received another email on XX/XX/XXXX asking whether the funds had been sent. Due to a holiday weekend we agreed to give it a day to process. I shared confirmation # that the funds went to the XXXX XXXX resort per instructions. Further investigation led to the funds being sent to a TDBank account under the XXXX XXXX XXXX name. Our point of contact at The XXXX XXXX stated they do not use TDBank, which lead us to report the incident to our XXXX  XXXX XXXX fraud department. It has been 148 days since the investigation has started and we have yet to receive a response from TDBank or the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXDepartment of Education XXXX XXXX This educational department has promised not to give any of my personal information to anybody and that's including the credit bureau agencies . I am the holder of the consumer credit contract and I can assert my rights.

16 CFR 433.1 16 CFR 433.2 16 CFR 433.3 16 CFR 313 16 CFR 313.1 I have the right to opt-out. I have never received a notice of my rights to opt-out from XXXXDept of Education . 

XXXXDept of Education is also violating my rights under : The Family Educational Act of 1974 and The Privacy Act of 1974
Product: Debt collection

Ive called them back and my husband has called them as well to see why theyre constantly calling me. They admitted they were a debt collection agency and when I gave them my info they responded with, We have the wrong person associated with your phone number we will remove you from our database. 
That was three months ago! 
They call me multiple times a day. 
Its borderline harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

account was paid in good standing XXXX XXXX  XXXX Account Number XXXX Account Type Credit Card Terms M XXXX Date Opened XX/XX/XXXX Account Status - Payment Status Late Payment Status Details Bad debt & placed for collection & skip Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance {$13000.00} Monthly Payment {$320.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount - Comments CHARGED OFF ACCOUNT Payment History
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under the new Walmart - XXXX partnership. Then using my identity he was able to access my XXXX XXXX bank account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, XXXX XXXX has admitted that after hearing the recordings it was definitely not me, nor my phone number. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through XXXX XXXX had been over multiple days and involved more than ten separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified XXXX XXXX, the branch as well as the dispute office. I have written XXXX XXXX on this issue over five times and called well over 30 times ending up with the last report being filed in XXXX of XXXX with claim representative XXXX XXXX report number XXXX, contact number XXXX. I was promised a resolution within 10 days and never received any further contact. Beyond the {$7500.00} in losses my credit score dropped over 250 points. XXXX XXXX never notified my creditors of my fraud and I have been denied on over 8 separate occasions from opening a checking account. Lastly, XXXX XXXX has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.
Product: Debt collection

On XX/XX/2022, My last attempt to resolve this issue I requested Equifax, please send me copies of the documents that each credit bureau have in my files as of this date that their company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. As of XXXX XXXX I have not received verification of alleged debt and alleged debt is still negatively reflected on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX  XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

The following personal information is incorrect. 

XXXX XXXX.
Product: Student loan

Back in XX/XX/XXXX I submitted a claim to have my loan discharged due to the school being sued for falsely advising students that they will be able to find work after completing the XXXX program. In XX/XX/XXXX I got an email stating that my loans for this school which was XXXX had been approved to have the loan discharged and to allow 60-120 working days. Today is XX/XX/XXXX and the loan has yet been discharged and still effecting my credit. Please be advised that I receive notice that my loan payment is coming up so I had to defer them again which is causing more Interest to be applied on my loan and I have been working very hard on my credit. Attached please find a copy of the email that was sent to me on XX/XX/XXXX stating it was approved, I have also tried to reach out to the number and email address associated in the email and no reply or response. Also a few days ago I received a letter regarding this school and how to apply to have the loan discharged nut I have already went thru these steps and just waiting on the loan to be financial discharged and see that balance decrease from my debt to ration income. Please help me get this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 37 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 37 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to investigate these accounts : XXXX XXXX {$13.00}, XXXX ; XXXX XXXX  {$3400.00} ; XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX XXXX {$500.00} ; XXXX XXXX  {$500.00} ; XXXX XXXX {$3600.00} ; XXXX XXXX {$1400.00} ; XXXX XXXX {$810.00} ; XXXX XXXX XXXX {$520.00} ; XXXX XXXX  {$540.00} ; However they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681 i ( 5 ) they are supposed to modify the accounts that arent reporting correctly.

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( a ) ( 5 ) states no consumer reporting agency may make any customer containing any of the following any adverse item information ; other than records of convictions of crimes for 7 years. 

Also they are NOT in compliance with Metro2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. 

XX/XX/XXXX - OneMain Financial ( unauthorized/unverifiable hard inquiry ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XX/XX/XXXX - XXXX XXXX XXXX  ( unauthorized/unverifiable hard inquiry ) I have attempted to dispute these inquiries with all three credit bureaus. However, they have all refused to investigate the inquiries and have informed me that Hard inquiries must remain on my credit report for 2 years and may not be removed.
Product: Debt collection

I have been contacted by XXXX XXXX and XXXX XXXX from Vengroff Williams. They are collecting a balance that is owed by my former business on behalf of XXXX XXXX XXXX XXXX. I had been making several payments ( even more than the minimum was XXXX but was unable to pay one month. I explained to them that I was trying to earn more money and would send them some as soon as I could. The phone calls were numerous ( often XXXX a day ) and always demanded that I call them back " this morning '' or " by the end of today ''. I explained that my only contact number was my cell phone and I could not use it at work so I often could not answer or " call them back this morning '' as they demanded. I even changed my cell phone message to remind callers that I was probably on a job and could not be reached. I asked XXXX to use email as a contact method instead. The calls continued. I finally stopped answering when she left a message that she was " mortified '' that I could not make a payment at that time. Now there is a lot in this world one can be embarrassed and humiliated about, but it is definitely not that the owner of a closed business is not able to pay all her former business ' bills. XXXX also told me that I had to " take the bull by the horns '', that she was meeting with legal counsel and that the account would be " pulled from Collection ''. I have saved XXXX phone messages that she left concerning the account. I felt very threatened and was very frustrated that she continued to contact me on my cell phone while I was at work and not allowed to speak on the phone by my bosses. Work is hard enough to find and I was afraid I would not be asked back to work if my phone kept beeping.
Product: Credit card

I am writing to file a formal complaint regarding Chase Bank 's handling of a recent dispute. My family and I fell victim to an online Ponzi scheme called XXXX XXXX XXXX, resulting in losses exceeding {$20000.00}. XXXX XXXX XXXX deleted our accounts without proper communication or justification. The company has been widely exposed as a fraud by numerous individuals online, citing server issues designed to cost traders money and arbitrary denial of payouts. 

When we reported this scam to a Chase representative, our claim was rudely dismissed without any request for supporting evidence. The representative 's rationale was that we had used the service, despite our explanation that XXXX XXXX XXXX is an unregistered and unregulated online firm that never delivered the services as advertised. This company is a scam, and we were misled into believing we were engaging in real futures trading, while in reality, it was a fee-based Ponzi scheme. 

I am seeking Chase Bank 's assistance in resolving this matter and recovering our lost funds. We urge you to reconsider our case and take appropriate action against this fraudulent entity.
Product: Checking or savings account

I would like to file a Complaint against Wells Fargo Bank. The particular location is XXXX, DE. 

My checking account number is XXXX. 

As of this morning, XXXX XXXX, 2023, I had a balance of approximately {$4100.00} in my account. I went to the branch and deposited an additional amount of {$4900.00} in my account in the form of a check drawn on Wells Fargo by one of their customers payable to me. I was soon thereafter alerted by email that my account was overdrawn by approximately {$800.00}. Returning to the branch, I was told that my XXXX deposited was debited against my account rather than credited. I confirmed this by looking online at my account. The bank stated they were unable to correct the problem. I am thus out {$9000.00}, the original XXXX. I had on deposit plus my XXXX deposit. 

There is no response from the branch or Wells Fargo on line customer service.
Product: Credit card or prepaid card

On XX/XX/2019 I sent a check in the amount of {$940.00} to the COMMENTY XXXX rewards Visa card account I had. Upon my {$0.00} balance I called and spoke with a representative to close my account as I am no longer interested in having this card. ( Too Many frivolous charges and interest fees ) The rep tried to convince me to keep the card active but informed me of the annual fee to do so. I asked her why would I pay $ XXXX {$400.00} per year for a card I dont want and wont use. She agreed to close my account but also informed me that I had rewards on my card that I was do. 

i initially told her I wasnt interested and wanted the account closed. She then informed me that the reward was already earned and could be added to the overpayment refund I was due for the {$940.00} check used to payoff my balance. I specifically asked and was assured that there would be no fee associated with the reward being added to the overpayment refund due to me. 

In XXXX I received a bill from COMMENTY staying I owed {$80.00}. I figured this was an error so I disregarded it. In XXXX I received a second bill stating that I owe {$120.00} I then called and spoke to a representative who had no idea why not only was my account reopened but why I owe money without the card being used for a purchase. 

After waiting 10-15 minutes another representative told me that the reward was issued in error on their part and that I was responsible for paying it. 

That doesnt make sense when I was assured that there would be no fee for adding the reward to the overpayment amount. 

Secondly, how can I possibly owe first {$80.00}, then {$120.00} for a $ XXXX {$40.00} reward card amount? 

They are trying to charge me and have me repay the refund Furthermore why would I accept the reward when I made it very clear that I was no longer interested in this companys services upon repaying me debt? 

I feel that I am being mistreated and bullied among other things for their error.
Product: Credit reporting or other personal consumer reports

I lost my wallet closed all cards reordered new ones but in my wallet was my social security card and drivers license. I noticed inquired from auto loan and personal loan companies I have never seen or heard of before and an address was being added to my account through my SSN. Most of these inquires were put onto my account dropping my score XXXX points XX/XX/year> and I discovered the issues XX/XX/year>. I called XXXX XXXX and informed them about the inquiries I did not authorize and the agent stated she couldnt do anything only if the card was charged so I then closed the account and then did a FTC and put a fraud alert on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX has all violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Student loan

I completed my PSLF form via Studentaid.gov. I selected my employers using the EIN number. One of which is a DC Government agency!! Mohela is questioning the employer even though the form was submitted and is in the federal database. 

Should they be doing that? It makes sense to question employers that are not listed in the database ( e.g. small non-profits, etc. ) but for government agencies ( especially in DC ), seems really crazy. 

It seems that they may be complicating the process further which is unnecessary, especially when the process is already complicated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE! 

Dear XXXX XXXX XXXX : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of XXXX XXXX Card and XXXX XXXX, Copy of XXXX Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX XXXX. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX APEX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX LONESOME XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX PINE XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX XXXX. XXXX - CARD SERVICE Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX  SPECIALISTS Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. NC XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( XXXX ) XXXX days as required by the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some unauthorized and unverified inquiries on my credit report from XXXX and Trans Union : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company TD Auto finance has included 2 hard enquiries on XX/XX/2018 in XXXX credit bureau. These hard enquiries were not authorized by me and are duplicates. 

The only enquiry authorized by me was for XXXX XXXX XXXX XXXX and XXXX XXXX for Auto loan. I have given no approval for TD Auto finance for these enquiries. 

In addition they have added 2 duplicate enquiries on same day XX/XX/2018 in my XXXX file. 

I would like these2 inquires by TD auto finance Deleted and corrected at earliest reasons 1 ) Not authorized 2 ) Duplicate entries 2 hard pulls on same day XX/XX/2018.
Product: Vehicle loan or lease

I am filing a complaint and rude nature of the employees within America First Credit Union. Having spoken to multiple associates about a vehicle payment that this organization has refused to accept. Upon attempting to contact this organization to discuss this I have encountered rude and unprofessional people that refuse to provide information to the department heads and managers of this organization. 

On XX/XX/15 at around XXXX am I contacted America First to discuss a block placed on my account from making payments to my loan. I spoke to an individual by the name of XXXX who refused to provide information of corporate leadership at America First Credit Union. This individual lied and provided misinformation on multiple occasions during this call as well as refused to provide a supervisor and threatened to hang up on me. An unfortunate and disgusting display of professionalism by numerous employees in this organization. XXXX that obviously rewards mistreatment and unprofessional handling of its customers. Also Speaking to XXXX who instead of providing options chose to use the moment to again threaten and cause undue stress and anxiety. These employees are using their titles and positions to act as thugs and bullies of this organization. A threat to the mental well being of anyone that has to deal with their thug approach I have attempted to resolve the matter within this organization and instead have been met with threats and frustration. Instead of allowing me to work towards paying this bill the company has done multiple things to stand in the way or block me from being able to pay this bill. An absolute counterproductive resolution option