23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XX/XX/year>, {$2500.00} ( in the amounts of {$1000.00} and {$1500.00} ) were stolen from my account from somebody impersonating the " US Department of Treasury. '' This was a fraudulent transaction committed by a known criminal. The police, the FBI, and other law enforcement has been involved. I have been diagnosed with XXXX because of this. And yet Wells Fargo is staunchly refusing to refund the {$2500.00} stolen from my account and are refusing to explain why. They are stating the transactions are " authorized '' and the way they handled it was " appropriate '' ( not only wrong, but using subjective and vague terms. ) They are refusing to provide any additional information and instead sending the same form letter to me repeatedly. They are also refusing to talk to me about this matter. Wells Fargo is gaslighting me. I have faced consistent misconduct and verbal abuse from their employees, harassment from their claims department, and other misconduct, and yet Wells Fargo is wrongfully claiming " there was no employee misconduct '' and " you transferred your funds to the real US Department of Treasury '' which law enforcement officials confirmed was a fraudulent account. This multimillion dollar company has the resources to return the {$2500.00} to my account. I have XXXX and long-lasting financial damage from this. Wells Fargo, PLEASE return my {$2500.00}.
Product: Credit card

1. I booked the rental car via Chase.com Travel 2. We came to Airport to get the car, there is no counter for rental car! No one there had ever heard about the rental company we booked with. We called the number we had, and they said they cancelled the booking. So, NO CAR. 
3. We asked Chase bank to refund the money and they say that the rental car company does not refund the money. 
4. We asked the rental car company corporate office, and they said they never billed CHASE. 
5. Chase refused to give us the money ( our points back ) back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute four dispute letter to the credit bureaus and the response I have a receive back was I have to verify the information and send in person information which I verified my address to have my address updated and its still incorrect. I have also never received and verification of the information on my credit report that is being disputed the credit bureaus want me to verify these items
Product: Checking or savings account

I WENT TO PNC BANK LOCATED ON XXXX XXXX XXXX BECAUSE SOMEONE WITHDREW {$190.00} OUT OF MY BANK ACCOUNT I DID NOT AUTHORIZE IN AUGUST 0F 2021. I DEPOSITED THIS MONEY IN XX/XX/2021. THE BANK MANAGER WAS TO CALL XXXX AND EMAIL THE COMPANY REGARDING THIS TRANSACTION. A PROVISIONAL DEPOSIT WAS GIVEN TO ME. IT HAPPENED AGAIN, I WENT TO THE BANK THREE WEEKS AGO AND THE MANAGER SAID HE WOULD LOOK INTO THIS AND GIVE ME A CALL, I HAVE NOT RECEIVED A CALL. 
I WENT TO XXXX TWICE AND WAS TOLD THEY DID NOT TAKE THE MONEY OUT OF MY ACCOUNT. THE GENERAL MANAGER AT XXXX CONFIRMED THEY DID NOT TAKE THE PAYMENT OF {$190.00}. I WANT PROOF XXXX GOT MY MONEY. I WANT PROOF WHERE MY MONEY WENT.
Product: Student loan

I became an employee of a XXXX XXXX XXXX XXXX in XX/XX/XXXX. While serving at the XXXX I returned to XXXX school and earned my XXXX degree in XXXX XXXX. I used student loans to pay for both my XXXX and XXXX   studies. Once I completed my XXXX I researched consolidating my loans so that I could pay them off. I was then led to XXXX XXXX as the only companies that I could do this with as they were a part of the loan forgiveness program through the Department of Education. I applied and began my loan repayment XX/XX/XXXX. 

After making consistent payments for 10 years in XX/XX/XXXX, I reached out to the company to assure that I would only have 2 payments left in the 10 year repayment cycle. I spoke with a customer service representative that informed me that I had already made 133 payments of $ XXXX/month on a 120 payment cycle. He went on to say that I needed to resubmit my loan forgiveness paperwork due to their partner company ( XXXX XXXX ) fraudulently opening deferments. I have never taken or received a deferment. The customer service rep was also able to verify that I had made all of my required payments. In fact, he saw that I had overpaid but informed me that he would need to open an investigation. He warned that during the investigation that I would need to continue to pay, which I did. In XX/XX/XXXX I received a new promissory note that to my surprise stated that I was not eligible and would have to begin payments on the new loan until XX/XX/XXXX. I was totally shocked to see that they did not give me any credit for the payments of over {$49000.00} that I had made and essentially started the entire loan over from the beginning. 

As of XX/XX/XXXX, I stopped making payments and reached out to a few lawyers that I know. To no avail. I have researched other cases and found that there may be a class action suit for this. I NEED HELP any help you can offer. This has already negatively affected my credit and caused me a great deal of despair in trying to get someone to help me address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unauthorized inquiries are not mines and was not authorized by me, this inquiries are fraudulent and I'm requesting that they be removed immediately. 

1  ) XXXX XXXX XXXX XXXX ( XXXX ) 2   ) XXXX XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX ( XXXX ; ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXX XXXX XXXX   ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX  XXXX XXXX ( XXXX ) 9 ) XXXX  XXXX XXXX ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX XXXX  XXXX ( XXXX ) 12 ) XXXX  XXXX XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX  ( XXXX ) 15 ) XXXX  ( XXXX )
Product: Student loan

To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations XXXX XXXX XXXX Summary and Statements of Facts. 

We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

When I did not match for a residency in my first try, I was offered a solution from XXXX XXXX  : obtain a XXXX from XXXX  to help strengthen my application ( and ability delay my loans while in school ). It did no such thing as I received XXXX interviews for the following match cycle for residency positions. This school takes advantage of individuals when at their lowest. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX Acc # XXXX, XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX Account # XXXX XXXX Acc # 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 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 adverse 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive made several attempts to try to come up with solutions working with the finance company of my car. When the pandemic hit I was without work awhile until my unemployment started to activate. Exeter Finance approved a 2 month extension on my loan but would call me 3/4 days later asking for a payment, furthermore started reporting me as being late. As early as last week when I called to make a payment on the 19 they informed me I was 93 days passed due when my due date is the 20 and I owed {$2100.00} and three days prior they told me {$1000.00}. As I explained that was inaccurate the rep says Im 4 months behind which is inaccurate. I dont plan on doing business with this company past the end if the year Ive been truly disappointed with the communication and the erroneous information theyve been reporting on my credit worthiness.
Product: Vehicle loan or lease

I am writing to formally dispute the accuracy of a repossession listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that I believe to be inaccurate, incomplete, or unverifiable. I am disputing the following entry on my credit report : - **Account/Loan Name : ** Global Lending Services - **Date of Repossession : ** XX/XX/XXXX & XX/XX/XXXX This repossession is inaccurate and should be removed for the following reasons : There was an error in the credit report showing repossession is getting rereported every 30 days. Event has occurred every month since XX/XX/XXXX. There was also a discrepancy with the repossession date. It shows XX/XX/XXXX and also XX/XX/XXXX. Since the creditor has received the property back they still trying to collect on a {$9000.00} debt. 

Under the FCRA, you are required to investigate this matter and provide a response within 30 days. I request that you contact the creditor to verify the legitimacy of this repossession and, if it can not be verified or is found inaccurate, remove the negative information from my credit report immediately. 

Please send me written confirmation that this repossession has been removed or updated on my credit report. Additionally, if this dispute is not resolved to my satisfaction, I intend to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action to ensure compliance with federal regulations. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Spoke with XXXX and someone under her ( they refused to give full names ) and after going through phone prompts to close it, I get transferred to a human. I spend 15 minutes verifying everything to close it out and then in the end they just refuse to do it. There system won't allow it. 

It's somehow my issue now when I've instructed them to close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting

TransUnion has refused to issue a copy of my credit report ( free state report and free adverse action report ) after more than 16 requests. They have blocked my access to my report through their website at www.Transunion.com which instructs me to call their phone number. The phone call leads to several transfers and eventually I am dumped to a voicemail. Each time I am transferred I request a copy of my report and am told that my report is handled by either the " special handling department '' or the " priority department '' depending on who I am speaking to. I believe this is in direct retaliation of taking prior legal action against Transunion more than 1 year ago. This seems to be an intentional action that they take upon any person whom has filed any legal actions against the company, which is designed to confuse and frustrate consumers and make it overly burdensome and extremely difficult to obtain copies of consumer reports. Additionally, this action prevents any report from being free as mandated by Georgia State Law and the FCRA when postage, printing and paper costs are forced to become involved in the request. 

I have recordings of several phone calls demonstrating my request for my credit report multiple times before being sent to a voicemail. At this time I am not attaching a copy of those phone recordings due to privacy reasons, as they contain my giving personal identification information to the agents at transunion, but redacted copies may be available soon if needed.
Product: Student loan

In XX/XX/XXXX, I experienced a severe hardship as the result of wildfires in the XXXX XXXX / XXXX XXXX areas, which affected my ability to work greatly, severely reducing income and inhibiting my ability to make my student loan payments. Shortly after this disaster occurred, FEMA declared this incident as a Federal Emergency ( as noted on their website as well ). While nearly all of my other private lenders allowed for a 3 to 6 month Natural Disaster forbearance as permitted by federal law for declared disasters and emergencies, LOAN SCIENCE has refused to assist me during this exorbitantly difficult time due to a technicality of the disaster being listed as " NATIONAL EMERGENCY '' as opposed to Disaster ; and, they have refused to return my calls or give me resolution for over one month - even after requesting repeated contacts from the Executive Office in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - and speaking at length with a LOAN SCIENCE  Manager via  phone several times to attempt to resolve this matter either with an honored forbearance or significantly lower payment options during this tim e . LOAN SCIENCE
has caused me extreme mental and emotional distress during this very difficult time after  experiencing a natural disaster, where as all other private lenders have worked with me to aid me through this difficult process and time, and I am in need of immediate resolution to this ongoing issue with LOAN SCIENCE  's unwillingness to honor their commitment to their ailing and displaced customers, and their neglect to speak with me as promised to resolve this matter and offer assistance with my loans during this ongoing difficult time, in the form of an Administrative or Natural Disaster Forbearance as previously promised.
Product: Debt collection

This company continually calls me from new numbers and area codes ; without written consent unfairly submitted my information to my credit report damaging my credit causing me XXXX XXXX and now Im getting denied for credit cards and loans to help my family.
Product: Bank account or service

I have a Regular checking account with Bank of America since the late XXXX 's. I 'm not an XXXX XXXX so I used to use it when I travel to the XXXX. Since XX/XX/XXXX I stopped using the account and left a balance. The bank inactivated my account so I could n't withdraw money any more, nor received further bank statements or access online to review my statement. 
I tried to activate it in XX/XX/XXXX, and now they have activated it, they sent me a statement and charged {$14.00} dollars as a monthly maintenance fee and noticed they have done so for the last 12 months now that the account is active. 
So I called them and asked them why they have charged me for twelve months of maintenance fee over an account they inactivated and they said that they can not return those charges because the account was opened. It sounds unfair to me that they inactivated an account, stopped sending me statements, blocked my internet access and now that I reached them to see what happened to my account they take advantage there is a balance in the account and charge directly 12 months of fees of a service they did n't provide. There was no straight answer to that but any way they argued they can charge it because the Regular checking contract says so. If so, why then they blocked my account? What about their part of the contract about having the account open for me all these years?
Product: Money transfer, virtual currency, or money service

in XX/XX/XXXX I sent XXXX XXXX  XXXX to XXXX, though worldRemit, after 2 days I didn't receive the money, I requested cancelation and my money back, the cancelation is in verification I don't know why? I called to them, They said they don't have a determinate time to respond my request, I explained to them I need my money back because I have an emergency in XXXX, the say that I need to check the process. It's unfair because I don't have money to send again. And they were rude with me and them don't gave an explication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have talked with the Waypoint Resource Group to have this removed from my credit report and all credit bureaus, ( XXXX, XXXX, XXXX  ). I have paid the bill in full and Waypoint Resource Group is working with me to send a payment for deletion letter for my records. Once I have that letter I will work having this negative item removed and stop affecting my credit score in a negative way.
Product: Credit reporting or other personal consumer reports

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

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX. 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 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 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 adverse 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have a collection from XXXX collections agency. 

I do not owe this company any money. They bought a old debt that does not belong to me. 

I already requested XXXX to remove off my credit report. Which it was remove from XXXX  and XXXX. But transunion has not removed
Product: Mortgage

I had XXXX mortgage as my mortgage company. I called them due to a XXXX related issue. they had offered that they were at the very end of the federal program for XXXX related deferment. My sister who is a cosigner on my mortgage didnt have to sign anything or do anything nor did I. all of my communication with XXXX Mortgage was paperless and available on my XXXX Mortgage app. apparently, XXXX Mortgage closed. I was not notified. I was also not notified that they sold my mortgage to a company that I just found out is called XXXX. XXXX never contacted me. I now understand why when I would try to contact XXXX I was not able to. suddenly I got notification from a company called SPS  that they are my mortgage provider. They immediately started leaving notices on my door that I am delinquent on payments. I have never been delinquent on any payments. I continued my regular payments within the deferment timeframe. When I called and explained the situation to them and that I was on a federal program for XXXX deferment, they did not open a dispute at that time. I have an email from XXXX, where I asked them for my complete servicing file. I received no answer from them. They tried to make me do a modification. Other than harassing me, they did not try to investigate or honor the federal program that I was on. I was not able to find any paperwork because all of my correspondence was on my XXXX Mortgage app and I was no longer able to access the app. It was closed down. This has now affected my sisters credit and my credit grossly. My sister had never been notified about any of these things. And I felt secure because I was assured this would not affect either of our credit and that the deferment would go to the end of the loan. 
They are also now refusing to give me my complete servicing file and telling me that I have to get a lawyer. 

Please advise. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


UNAUTHORIZED INQUIRY, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this