23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Someone took out multiple loans and sold my stocks and stuff
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my TransUnion consumer report and noticed some items reporting on my credit file that arent reporting on XXXX nor XXXX so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ).
Product: Credit reporting or other personal consumer reports

I have reached out twice in writing to the company and requested proof of the account of that i was ever late and no one can provide m with any proof that this is my account and if it was that i was ever late on the payments.
Product: Debt collection

Transworld Systems violated my consumer rights. A representative from Transworld Systems whom I spoke with on XX/XX/2020 in regards to a previous auto account assumed the role of original creditor and told me that the remaining balance of {$11000.00} could be negotiated down to 50 % of that amounting to {$5900.00}. Then this same representative made the statement that XXXX XXXX  is currently offering " tax season promotion '' and that I could have {$5900.00} negotiated down to 30 % of that amount. The final amount presented to me was {$3500.00}. This same representative asked if/when will file my federal taxes and went on to say that " if I file my taxes on a certain day I can be sure to receive them by a certain day thus be able to pay Transworld Systems. I did not know that a representative from Transworld Systems could speak on behalf on the United States Federal Government. This is also misleading information because 30 % of {$5900.00} is {$1700.00}. Also I called XXXX XXXX to verify their " tax season promotion '' and XXXX XXXX XXXX representative ( # XXXX ) stated this is not true.
Product: Debt collection

Enhanced recovery company, Ive told this company multiple times to stop contacting me they still do at all hours,
Product: Checking or savings account

I have two major issues with my Bank of America small business checking account. 

1 ) The bank has repeatedly violated Dodd-Frank Act regulations to charge my account OD fees ranging from {$10.00} to {$35.00} over a 3 month period for balances < {$10.00}. This problem did not occur when I had similar accounts at other banks. 

2 ) I had wired transferred {$200.00} to a XXXX XXXX XXXX of XXXX XXXX, XXXX, XXXX on XX/XX/2022. Shortly after that I contacted Bank of America to recall the funds. It has been over 2 months and both Bank of America as well as XXXX  XXXX XXXX, XXXX ( recipient 's bank ) claim that the funds can not be taken out of XXXX 's account without his permission. Why not. It is my money after all. XXXX 's Bank XXXX XXXX account # is : XXXX. Bank of America Tracking # for the transaction is : XXXX. My XXXX XXXX, NJ, branch 's Relationship Banker claims that he can not do anything but wait for a response from the Fraud Department at Bank of America. This transaction has hurt my relationship with Bank of America because when I recalled my funds, my company needed the money. We have overcome that hurdle but my question to you is why has a so called " to big to fail '' bank failed in this recall effort. How many customers such as I have they failed in cross border dealings? Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$420.00} XXXX  XXXX {$310.00} XXXX  XXXX {$340.00} XXXX XXXX  XXXX {$430.00} XXXX XXXX  XXXX {$490.00} XXXX XXXX  XXXX {$1400.00} XXXX  XXXX {$670.00} XXXX  XXXX {$430.00}
Product: Vehicle loan or lease

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows incorrect reporting of a Bank Of America account on their reports which is frequently overlimit and delinquent. I don't own that account. I have raised dispute many times and every time they say their evaluation find that account belongs to me. I tried to reach BOA too many times and they say they don't see that account on my SSN. Please refer XXXX report XXXX for BOA account with $ XXXX.they are not sharing full account number to check with BOA and with full account number BOA is not able to help or locate the account. It's been going on since 2020 and I am following up and raising the concern but it's not addressed. It has caused lot of negative impact on my score and the impact is still on.
Product: Credit card

Someone attempted to open a Capitol One credit card in my name this week. I am not sure how they got access to my personal information to do this. I contacted Capitol One on XX/XX/2024 to have the card frozen pending an investigation. They instructed me to file a report here as well. 

On XX/XX/2024, I received an alert from XXXX that they blocked an attempt to access my credit information from Capitol One because I have my file locked as I am not looking to apply for any credit. I then received an email from Capitol One to my XXXX ( previous school email address ) that my credit application had been approved for {$10000.00} for a " Savor One Rewards Card ''. I then get a second email from Capitol One saying that my phone number has been changed. 
On XX/XX/2024, I received an alter from XXXX that there were changes to my XXXX and XXXX credit files. When I called Capitol One there was an account attached to my social security number ( they ask this as a prompt before speaking with someone ) and they confirmed that a card had been opened in my name. They instructed me to file a claim here. 

I want to make clear that I did not attempt to open or apply for any credit cards within the last year. I do not know how this was able to occur with my personal email address or any other personal information.
Product: Money transfer, virtual currency, or money service

I got scammed on cashapp before and they never helped. So recently I got scammed again and just want my money back
Product: Mortgage

On the XXXX of XX/XX/2021 I called SLS Mortgage Company in Arizona to check up on the status on my new refund check that I'm supposed to receive a few weeks back. Check # XXXX issued my check with my last name spelled wrong. This issue has been going on since XX/XX/2021. My local bank teller couldn't deposit the check because my last name has been spelled wrong. I tried calling several times when I have free time to call the SLS mortgage escrow department, because I'm enrolled in a XXXX XXXX XXXX in Texas XXXX XXXX  XXXX and my mobile phone must be shut off during XXXX XXXX. The agent I talked to SLS Mortgage Escrow Department is XXXX, Employee # XXXX. XXXX was unethical and discourteous when I asked her about the check that was issued to me that had my last name spelled wrong. XXXX was verbally rude over the phone and asked me that it takes 14 days to re issued the check to me. I tried to explain to her that I have called last 2 weeks ago and the agent XXXX XXXX talked too, said it's been mailed to my address with my last name spelled correctly. I explained to XXXX that this issue has been going on since XX/XX/2021 and I told her I will report her to Better Business Bureau, Federal Trade Commission, and the Consumer Financial Protection Bureau for mistreating their customer and false information from different employees saying my check has been re issued to me. XXXX verbally guffaw and told me that I shouldn't report to three bureaus because SLS mortgage wont work with those complaints that I have filed. XXXX told me she is the Manager of the Escrow department and told me it's not necessary to file a complaint. On the XXXX of XX/XX/2021 I called the SLS Mortgage Escrow Department to check up on my status. XXXX answered my call and told me that the new check been reissued to me hasn't been made yet. I told her that XXXX is supposed to fix my check with my last name spelled correctly. XXXX reached out to XXXX at the XXXX department, and I waited for over 10 minutes on hold. Unfortunately, XXXX told me XXXX hasn't issued me a new check with my last name on it. XXXX told me to call back in 5 days. This is outrageous and very frustrated when I have different SLS employees told me that my check has been re issued and now I have been neglected by SLS Employees and my check hasn't been processed with my correct last name. I am a XXXX XXXX Veteran that served 12 years XXXX XXXX with a double XXXX XXXX XXXX in XXXX XXXX  and XXXX  XXXX. I now completed my XXXX XXXX XXXX at Texas XXXX XXXX XXXX. SLS Mortgage Company should retrain their employees in customer service and good ethical background on how to handle their customers in a professional attitude. Please investigate. Thank you.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute XXXX XXXX XXXX, XXXX ( XXXX ) continued reporting of a charge-off on my credit report. This is more than a simple reporting issueit reflects a disturbing pattern of double-dipping and potential fraud designed to manipulate both consumer reporting agencies and the U.S. tax system. 

XXXX  has classified this alleged debt as a charge-off, which should signify its closure and removal from my credit report. Yet, they persist in reporting the account, benefiting from it in multiple ways. It is clear they are attempting to exploit the system by claiming the charge-off as a tax deduction, while simultaneously inflicting harm on my credit profile. This contradiction not only raises ethical concerns but also puts them in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which mandates accurate reporting. 

Let me also make this abundantly clear : I have a legal right to privacy under these laws. XXXX 's failure to verify and remove this alleged debt is a violation of my consumer rights, and I am entitled to {$1000.00} per violation under the FCRA. These violations continue to accumulate each day this illegitimate charge-off remains on my credit report. 

XXXXs actions represent a deliberate attempt to double-dip by simultaneously taking advantage of the tax benefits from a bad debt deduction under 26 U.S. Code 166 ( Bad debts ) while profiting off the damage caused to my credit. This kind of conduct could very well constitute tax fraud, and I fully intend to bring this matter to the attention of the IRS if it is not resolved immediately. 

I demand the following : Full documentation of the procedures XXXX  has followed in verifying this alleged debt and their basis for continuing to report it as a charge-off. This includes every step of their process, the employees involved, the internal communications, and the exact e-signature procedures used to verify this account. I want to know who signed off on this, down to the managers managers, their lunch breaks, and the step-by-step actions taken to ensure accuracy. 

Proof that XXXX  has not claimed this debt as a tax write-off while continuing to report it to the credit bureaus. If XXXX  is attempting to benefit both waysby claiming the account as a loss while still using it to harm my creditthis is a clear case of tax evasion, and I will report it to the IRS for further investigation. 

Immediate removal of this charge-off from all credit reporting agencies. The continued reporting of this account as a charge-off, while XXXX  derives other benefits from it, is a blatant violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). If not removed promptly, I will pursue further legal action under the FCRA, FDCPA, and any applicable state laws.
Product: Credit card or prepaid card

I charged two rooms for one week on my Capital One credit card for an all inclusive resort ( XXXX XXXX XXXX  XXXX XXXX ) on XXXX XXXX, XXXX for a vacation for myself and family to arrive XXXX XXXX, XXXX for {$5900.00} each for a total charge of {$11000.00}. 

Due to Covid, we had to cancel our reservation on XXXX XXXX, XXXX, and XXXXXXXX XXXXs promptly gave us a full refund for both rooms ( i.e., two separate refunds for {$5900.00} each, which is where I think the problem started ), for which I have written proof. 

Capital One only processed one of the refunds for {$5900.00} and for the past 3 months has refused to acknowledge their error. The issue here is NOT with the merchant. They have been very forthcoming about their having submitted two refunds, not one. 

I have sent documentation of proof of all of this to Capital One and have gone through their lengthy complaint process, all to no avail. They do not seem to realize that the issue is with them, not the merchant.
Product: Mortgage

I had two mortgage accounts with Wells Fargo between XXXX and XXXX. During that time I felt at times they were overcharging me with unwarranted late fees as well as additional fees with the property tax payments, not to mention the high interest rates. It was like I could never make any headway in paying off the debt.
Product: Checking or savings account

We opened a XXXX XXXX account at Bank Of America in roughly XXXX  It was noticed that service fees were being charged to the account. We addressed it in XXXX and now we noticed we are still are receiving periodic fees. Our daughter is XXXX at this point. We went to the bank location XXXX XXXX XXXX, XXXXXXXX XXXX XXXX in XXXX to address it and today XX/XX/XXXXXXXX  and met with XXXX XXXX. We also called Customer Svc XXXX and spoke with XXXX XXXX and his supervisor XXXXXXXX XXXX XXXXXXXX. They addressed the current charges but could not go beyond the current year. The largest concern i ask them to address was the fact they had the date of birth in the profile of the XXXX and they still are charging them fees. If it has happened to us twice, I know it its wide spread. I ask them to file an internal complaint on this but doubt they will do anything. The {$5.00} a month from however many accounts is probably worth the random complaints. They should not be taking advantage of XXXX in this day and age. They should be able to use the date of birth to prevent this.
Product: Credit reporting or other personal consumer reports

Violation of 15 USC 1681b ( a ) ( 2 ) Account : XXXX XXXX Account # XXXX My credit report incorrectly states the following regarding a vehicle repossession : I am concerned that my credit report may have been accessed for impermissible purposes related to this repossession. 15 USC 1681b ( a ) ( 2 ) specifically allows for credit reports to be furnished in connection with a credit transaction involving the consumer. However, I believe there may have been an impermissible purpose for someone accessing my credit report. .I was denied credit by XXXX and they stated the reason was related to the repossession information, but I never applied for credit with this company. 

I request a full accounting of all parties who have accessed my credit report concerning this repossession within the past 4 years so I can verify that all access was for permissible purposes under 15 USC 1681b, specifically related to the original credit transaction. 

I am requesting that you thoroughly investigate these matters, correct the inaccurate information related to the repossession, and provide me with the requested accounting of who has accessed my report.
Product: Debt collection

On XXXX XXXX I contacted XXXX XXXX XXXX concerning a last bill that they say I owe in the amount of XXXX in which I asked for a breakdown and the reason why I was being charged this amount. I had no phone service for months and was not being charged a bill other than my cell phone bill. After not having service I then cancelled shortly after cancelling I then later received a final bill.
Product: Credit reporting or other personal consumer reports

I received error code XXXX  from Equifax. It looks like I have a lot of soft pulls ; so my file is split. It hasn't been fixed for over a year.
Product: Debt collection

on XX/XX/XXXX I attempted to call Afni debt collection dept to resolve this {$380.00} collections acct showing on my credit report. It was originally an XXXX XXXX  XXXX XXXX but XXXX already paying off XXXX utility bill with XXXX XXXX XXXX so I shouldn't have XXXX bills. Since then, I moved out the apartment and cancelled with XXXX XXXX XXXX back in XX/XX/XXXX. So, I called Afni at XXXX and spoke with a rep but was told I didn't have any collection account with them. I would like it removed from my credit report. This has caused great stress to my financial situation.
Product: Credit card

I started having issues in XXXX with not being able to use my card. They would tell me Everytime I called that it was under review XXXX hours someone will call you. Thats one of hundreds of lies Chase has told me. Im a XXXX XXXX XXXXXXXX XXXX XXXX Military Veteran and I have been treated with so much disrespect and refusal to help me resolve the issues with my account. I can not get groceries, I cant get medication, Ive fallen behind on my mortgage and at very serious risk of losing my home because Im not able to use my card for my payments and its caused so much stress on me. I have did everything but beg Chase to give me a resolution or anything. They refuse.
Product: Credit reporting or other personal consumer reports

Hello I have called and written Experian regarding multiple unauthorized hard inquires on my consumer report. I have stated to them that I demand they be removed since I was a victim of identity theft. They have not responded or done any such remedy. The unauthorized inquiries are as such : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has not been able to provide me with any legal reason why these are supposed to be on my consumer file. 
This is preventing me from obtaining more credit. Thank you.
Product: Checking or savings account

On or about XXXX XXXX I noticed a transaction for {$3500.00} that was about to be paid from my business account that I did not authorize. I immediately called Chase Bank and asked them to put a stop payment on this transaction. They said they would and charged me a {$30.00} stop payment fee. I asked them what was the name of the bank attempting to withdraw the money. I was told it was XXXX XXXXXXXX XXXX. I was given the bank 's number which I immediately called. No one answered so I left a VM. No one has returned my call to this day, When I checked my account the next morning, I noticed that Chase bank paid the XXXX XXXX.I called Chase Bank to ask why they paid the withdrawal when I had put a stop payment on it. They were apologetic but said they had no recourse but to pay it since it was an ACH and I had authorized it. That was not true. I asked for the form where I authorized the payment. I was told I would need to file a complaint to get the form, which I did. 

I was told that my complaint was denied because I had authorized the transaction. I told the person I talked to that I did not approve the transaction. I again asked asked for the document showing my approval of the withdrawal. I received it through the mail. I had never seen this form before and at the bottom right hand corner of the form was a computer generated signature supposedly from me. 

I called the complaint department again and asked if there were any other steps I could take to get my money back. I was told to file a second complaint which I did. My second complaint was denied. Chase Bank told me it was denied because I authorized the transaction. I asked if there was anything else I could do and I was told no. 

I want the money put back in the business account. Interestingly enough while the complaint process was underway, I received an email from an unknown company asking me that if I signed the form they sent me, they would put {$40000.00} in my business account. The form they sent me to sign stated that if I authorized the transfer of {$3500.00} from my account to them, the money would show up in by account. I did not sign the form. When I got back in my office I attempted to download the form, it was gone from my email.
Product: Checking or savings account

In XX/XX/XXXX, I received a XXXX IRA check from my employer ( {$170.00} ) so that I can place it into a XXXX IRA account at a broker. I went ahead to choose Fifth Third for that. I went to the Branch in XXXX XXXX, FL and let the know that I want to open a XXXX IRA account to deposit the check. I had the IRA Contributions form my employer gave me and the check. It took nearly 2 hours to do since the bankers didn't know how to do it. When they did it, I asked for the XXXX IRA account number so I can give it to my employer as requested. The following year in XXXX, I was given another XXXX IRA check ( {$550.00} ). I moved to XXXX, so I chose to deposit it there. They also didn't know how to do it and it took 2 hours again. The banker said they have to close it and reopen it with the total amount because the previous bank " set it up wrong ''. I became suspicious if it was even working. And wondered more about it. This third time ( XX/XX/XXXX ), I am back at the XXXX XXXX XXXX and to deposit my third check ( still in my possession ). But this time I asked if I really am in a XXXX IRA. They would not answer the question. They tell me I can not deposit because it's not allowed to deposit into a CD. I said it's not supposed to be a CD. And the banker gave me an attitude. He said IRA can be a CD or XXXX XXXX. I got upset. I don't know much about IRA till recently after counsel. But I called Fifth Third Broker number and they said I do not have an IRA account. Two years of retirement savings opportunity down the drain.
Product: Money transfer, virtual currency, or money service

I initiated a transfer online with Western Union at XXXX EST. XXXX. XXXX. It was for my niece in XXXX. I received an email that they are reviewing my transfer and it should take no more than 2 hours. I did not hear back anything.

After almost 4 hours, I contacted Western Union about the status of my transfer. They told me that my transfer was on hold because they need ID of the recipient. This is something that was not disclosed to me beforehand and I feel it should have been. Even after the transfer was initiated, no one contacted me. I asked them that the need for this transfer was urgent and they just cancel my transfer and unblock my funds so that I can send it thru other means. 

They have refused it. They keep saying that that they need receivers ID in order to cancel. Why would they insist on this? I am sending money to my niece who is getting married. Its going to her bank account. Western Union has all that information. Its verified. 

As of now, I just want WU to give my my money back. I do not want to deal with them anymore. I spent more than 2 hours on hold just waiting to talk to someone. I just need my money refunded.
Product: Debt collection

I am not aware of this debt, and I did not have an opportunity to dispute this information. If you believe that you gave me proper notification, please send me a certified receipt with my name on it and my signature stating that I received it.
Product: Debt collection

Company keeps harassing with emails about a debt I have no clue about.