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

ON XXXX XXXX I RECEIVED AN EMAIL FROM " XXXXXXXX XXXX '' STATING I WAS CHARGED {$350.00} FOR SERVICE AND THAT IF I DIDNT WANT THE SERVICE TO CALL XXXX. I CALLED THE NUMBER AND " XXXX XXXX '' TOLD ME HE NEEDED TO ACCESS MY ACCOUNT THROUGH MY COMPUTER. HE THEN SHOWED ME A SMALL BLACK SCREEN TO TYPE MY NAME AND THE AMOUNT OF {$350.00}. HE OBSOLETED THE DECIMAL LEAVING AN AMOUNT OF {$35000.00}. HE TOLD ME HE MADE AN ERROR AND REFUNDED ME {$35000.00} INSTEAD OF {$350.00} AND THAT I NEEDED TO GO TO THE BANK IMMEDIATLY TO WIRE THE MONEY BACK. HE COACHED ME TO SAY " THAT HE WAS A FAMILY FRIEND ''. XXXX XXXX XXXX FROM WELLS FARGO ASSISTED ME. HE ONLY ASKED " ONE '' QUESTION ... '' DO YOU KNOW THIS PERSON? '' HE NEVER PULLED MY XXXX OF BANKING WITH WELLS FARGO HISTORY TO SEE THAT IVE NEVER MADE THESE TRANSACTIONS IN THE PAST. I WAS OBVIOUSLY IN DISTRESS AND HE FAILED TO PROTECT MY ACCOUNT. THE WIRE TRANSFER OF {$34000.00} WAS INITIATED WITHOUT EXTENSIVE VERIFICATION. XXXX XXXX TAKEN THE EXTRA STEP AND ASKED TO PHONE A FAMILY MEMBER. I WENT BACK HOME WHERE XXXX XXXX PHONED ME AGAIN. HE TOLD ME " NOT '' TO ACCESS MY COMPUTER OR BANK AT ALL OTHERWISE I WOULD LOSE ALL MY MONEY. AROUND XXXX I CALLED MY DAUGHTER TO TELL HER WHAT HAPPENED. SHE IMMEDIATLY BECAME DISTRESSED AND RUSHED TO MY HOUSE. WHEN SHE GOT THERE I WAS ON THE PHONE WITH XXXX AND HE TOLD HER THE SAME, NOT TO DO ANYTHING. SHE KNEW THIS WAS A SCAM. WE CALLED WELLS FARGO XXXX XXXX AND FILED A CLAIM. XXXX FROM WELLS FARGO CLOSED MY ACCOUNTS AND OPENED A CASE REGARDING THIS MATTER. WELLS FARGO HAS FAILED TO RETURN MY MONEY. I AM A RETIRED WIDOW OF AN XXXX VET AND THIS WAS MY LIFE SAVINGS. THIS IS ELDER FINANCIAL EXPLOITATION. THIS IS ELDER ABUSE AND HAS CAUSED EXTREME XXXX AND ANXIETY. I DONT FEEL SAFE OR SECURE BANKING WITH WELLS FARGO. IVE SPOKEN TO A PREVIOUS " XXXX XXXXXXXX '' EMPLOYEE OF WELLS FARGO AND SHE TOLD ME PROTOCAL WAS " NOT '' FOLLOWED TO PROTECT ITS CUSTOMER. IVE ALSO SPOKEN WITH A TRAINER OF WELLS FARGO AND HE HAS TOLD ME THAT PROTOCAL WAS " NOT '' FOLLOWED TO PROTECT THEIR ELDER CUSTOMERS. WELLS FARGO IS INSURED TO SEND MY MONEY BACK.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because the company XXXX XXXX XXXX is intentionally reporting false information on my consumer reports. They have already been notified and refused to cooperate in accordance with the FCRA. There are in violation per 15 USC 1681s-2 ( a ). I have contacted the CFPB by phone and FTC and both companies have agreed upon review of the documents I initially submitted that the account associated with the company was " fishy ''. I was instructed to file with the FTC for fraudulent account information being reported to the consumer reporting agencies and so I did. Block and remove this account for intentionally reporting false and inaccurate information on my credit reports to damage my reputation and XXXX my character. Block and remove this account. This account is associated with fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 8months I have contacted this credit bureau and disputed that a XXXX  XXXX XXXX account that was reporting on my credit report was reporting inaccurately. They claim that they contacted XXXX  XXXX XXXX and that they verified the information on my credit report as accurate and this was a lie. I contacted XXXX  XXXX XXXX and they informed me that this credit bureau never contacted them to verify my account information. These credit bureaus are evil and because of there false reporting I was not able to get a mortgage or get the funds needed to start my business. My lawyers are preparing to file a suit against this credit bureau for damages for each month that this credit bureau continues to report false information on my credit report. I am also send a copy of the letter that I got from XXXX  XXXX XXXX to the Federal TRade Commision so that a fine can be levied against this credit bureau for false credit reporting. For over 8 months they reported that they contacted the creditor and that the creditor had verified the information and this was a BIG LIE. They are destroying people 's lives for what I don't know. 
I will also be sending all the credit reports received and the false reports from the false investigation that they claim they did but never did. This note is just to notify the CFPB what this credit bureau has done and to expect some documents from me for there illegal action and to levy a fee against them for there illegal actions. 
The CFPB needs to stop these credit bureaus from doing things like this. My attorney XXXX XXXX XXXX will be contacting this credit bureau shortly on behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

A corporate card that was never paid by the corporation
Product: Checking or savings account

In conjunction with closed complaint Submitted to the CFPB on XX/XX/XXXX Wells Fargo state that " We hold all of our employees to the highest possible standards of ethics and business conduct and expect them to comply with all applicable laws, rules, and business regulations. '' However, the original complaint concerning breach of the business account came in XXXX whereby the employee was terminated, but Wells Fargo to date have not investigated financial hardship of the damage to the business credit from the breach not sought to contact the company concerning the matter. The employee who assisted with opening the business checking account at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX branch location. Records must show the circumstances of the breach of the account and the actions taken. If not this is another violation that should be thoroughly investigated for accuracy and other violations. 


Incorrect : Our Firm does not and have not opened a Business Market Rate Savings account ending in XXXX opened on XX/XX/XXXX, and closed on XX/XX/XXXX, due to no customer-initiated activity for XXXX days.
Product: Credit reporting or other personal consumer reports

I filed a complaint with Cfpb a few days ago regarding what I believe to be an intentional event where Transunion, XXXX and XXXX are intentionally keeping my credit scores as low as possible due to the fact that I am an XXXX XXXX. I recently paid on two-3 credit cards and loans that usually report by the XXXX of the month when my balances are high, however, now that I have paid off my balances their has been no updates on my credit report or score and it is the XXXX? I am trying to purchase/rent a home and if someone is intentionally delaying reporting is this illegal? I am wanting this complaint added to my initial complaint and sent to all three companies for a review of my account and score. I want my score increased if needed.
Product: Debt collection

XXXX has reported a collection account to XXXX claiming that I owe them {$180.00}. This reporting is either the result of identity theft or an egregious mistake on their part. For all I know it could be a scam? One thing I know for sure is that I do not owe XXXX any money, and this reporting is inaccurate. I want it removed immediately.
Product: Payday loan, title loan, or personal loan

I applied for a loan online with this company on XXXX/XXXX/XXXX. I was approved for a loan of {$1500.00}. I previously filed a complaint with the CFPB stating that the Truth in Lending disclosures were NOT visible until AFTER the loan had been processed and funds delivered to my account. This company denies this fact, which is a COMPLETE FABRICATION OF THE TRUTH ON THEIR PART. The loan in question is NOT LEGAL, this company, I have learned is NOT LICENSED to do business in my state of residence, making their contract UNENFORCEABLE and ILLEGAL. This company has received XXXX from me to date and still indicate that I owe them at minimum $ XXXX. Under California law, ALL consumer lenders MUST be licensed by the XXXX XXXX California XXXX XXXX XXXX, may lend no more that {$300.00}, and may not charge more than a 15 % interest rate. All of the laws in the state of California pertaining to this loan have been violated making the loan ILLEGAL and the LENDER unlicensed and their contract invalid. They have harrassed me by phone and email as well. This company is predatory and their business practices are NOT XXXX in the state of California.
Product: Checking or savings account

Dear SoFi Customer Service, I am writing to formally express my dissatisfaction with the handling of my ATM dispute concerning a withdrawal made on XX/XX/XXXX. I withdrew a total of {$900.00} in increments of {$300.00}. However, the ATM only dispensed the money during the first transaction ; the subs

equent two transactions resulted in error messages and no dispensed cash. Upon noticing the missing funds, I contacted SoFi custom
er service on XX/XX/XXXX, after all ATM charges had posted to my account. Initially, I was pleased to receive a provisional credit of {$600.00} for the missing funds. However, to my dismay, this credit was later reversed. I was informed that after a thorough investigation, my claim was denied with the statement, " no error has occurred. '' They also advised me on XX/XX/XXXX that they did infact reopen the first claim when I spoke to a rep on a recorded line and she infact lied about that because when I got a supervisor on the line yesterday he stated there is no claim escalation on that date at all this company just hires a bunch of reps that lie to customers to get them off the phone Given the circumstances, I find this resolution unsatisfactory. If the investigation truly involved reviewing the ATM 's cameras and balancing the machine, it should have been evident that the ATM did not dispense all of my funds. I have repeatedly communicated this to your representatives and have requested that the claim be reopened for further review. Despite this, I have not been asked to provide additional documentation, which I believe is inappropriate in this situation. 

I am unable to provide any documentation beyond my personal account statement and my own testimony regarding the ATM 's failure to dispense the funds. I firmly believe this is an open-and-shut case, and I urge SoFi to reconsider the handling of my dispute. 

I kindly request a thorough review of my case and a prompt resolution to restore the provisional credit of {$600.00} to my account. I appreciate your immediate attention to this matter and look forward to your response.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX I looked at my Experian credit report on XXXX XXXX,2024 and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2, they are supposed not to 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 card

i got a card offer on XXXX XXXX i filled out the application it has for a {$99.00} I paid the {$99.00} I called they said they didn't have any information that they could give me besides an account I had been opened have yet to hear anything back in the mail or by phone or by email I filled out this application and sent the XXXX dollars on XXXX. XXXX  I received the letter in the mail XX/XX/XXXX asking for a deposit still I would like my credit card and access to account
Product: Student loan

I talked to AES ( AMERICAN EDUCATION SERVICES ) a couple weeks ago on the phone about how they can help me with my student loans .When I spoke to them they said they had XXXX payment options to help me. I called them today XXXX/XXXX/16 to set up XXXX of those payment options and they stated they ca n't help me, that I used all the options that I had available. It is very conflicting on the information that they are giving me. I really want to keep up with my payments but AES is taking me in circles.
Product: Debt collection

I had a XXXX XXXX credit card. I had unexpected medical bills so I called all the credit card companies to see if they work with me in interest rate and lower payments. XXXX XXXX agreed to let me pay {$50.00} a month. They never sent a statement after that and drafted the money out of my account every month probable over a year. Then a couple of months there was nothing. The next thing a policeman shows up at my door serving me papers where they had turned it over to Hannah and Associates. I did n't want to go to court so I set up payments with Hannah and Assoc. I do n't if that is what I owe them. I never received a letter from XXXX XXXX saying they were turning my account over. Never received statement from XXXX XXXX and never received anything from Hannah and Associates as proof that I owed the amount they said I owed. I have been paying them for well over a year and now I get a letter saying to mail my payment to XXXX XXXX XXXX attorney at law. Do I need to request that they send proof of the amount they say I owe. I do not feel like I owe that much and why would attorney turn it over to another attorney. I feel like they are scamming me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my account that was on the collection and I send them the letter that was paid off and they are not updating this information and are holding me to buy a house and get more credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

his letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately :
Product: Student loan

XXXX I started autopay for {$100.00}. Then without notification I was charged $ XXXX. I googled this problem and many people have experienced this since the start of the repayment process. What I have gathered is they know they have bug ( virus ) in their system and didn't even notify us the consumers to not use autopay until they figured it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept of Education XX/XX/2013 Balance is {$0.00} Highest balance is {$4100.00} Shows 120-149 days late on the report, but this account is paid in full and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was brought to my attention that my Ex Fianc is currently dating an Experian credit repair employee by the name of XXXX XXXX of XXXX XXXXShes informed me that she used the database to inquire my address along with all of my most important information.Im scared that my identity is compromised, Ive reached out to the company but didnt receive any word back.Ive been trying to see how I can go about making sure my information doesnt fall into the wrong hands.Please help me
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never had late payments for the account XXXX XXXX  XXXX - Account number : XXXX. I have proof that there is a discrepancy within the late payments that are being reported. All 3 major bureaus are reporting different/inaccurate amounts of late payments. Truly they should all say zero. Please investigate and provide proof with statements showing that the payments were late. If proof can not be provided, I demand the payments be updated to " Pays as Agreed/Never Late '' as they should as I was NEVER late. Thank You.
Product: Money transfer, virtual currency, or money service

Hello Team, I initiated the transaction # XXXX to transfer the money {$9000.00} from USD to INR on XX/XX/2018. Later on, i had to cancel the above mentioned transaction on XX/XX/2018. I was promised that refund process may take up-to 3 business day but not more than 7 business day.

During this time frame, i tried to call customer representative of Western Union and i also dropped the mail asking for money refund and every-time i was asked wait 24 hours to 48 hours more and issue will be solved on priority.

As now its going to more than 13 calendar days and still don't have any clue where is my money, I am really losing all hope now to get my money back from Western Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is attempting to collect XXXX for a cable box that I already paid XXXX XXXX for and I also returned the box. XXXX  assured me that they pulled this from XXXX XXXX and no other collection attempts and it would be removed from my credit.
Product: Debt collection

The debt was already satisfied, however event free many attend the debt having remove from my credit report, proved of payment made havent persuaded the creditors monitoring agencies to remove such negative information from my credit report.
Product: Debt collection

XXXX @ XXXX XXXX : Address, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, Account # XXXX : Alleged amount owed {$2000.00} XXXX XXXX : Address, XXXX XXXX XXXX XXXX XXXX XXXX XXXXr UT XXXX, Account # XXXX : Alleged amount owed {$300.00} XXXX : Address, XXXX XXXX XXXX XXXX, OR, XXXX Account # XXXX : Alleged amount owed {$0.00} XXXX XXXX : Address XXXX XXXX XXXX XXXX, MA XXXX Account : XXXX alleged amount owed {$0.00} XXXX XXXX : Address XXXX XXXX XXXX XXXX, MA XXXX XXXX Account XXXX XXXX Alleged amount owed {$120.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Account # XXXX Alleged amount owed {$1100.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX Account XXXX XXXX ALLEGED AMOUNT {$3.00}, XXXX The collections above has been reported as past due balances. I do not know these companies I have never done business with these companies these companies do not have a contract with my signature. I would need them to take this off my credit report and do not try to put it back on my credit report or I will sue them for violating my rights.

15 Us code 1681i reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan Account # XXXX Dear Sir or Madam, In response to a Consumer Finance Protection Bureau complaint, on XX/XX/2019 I received notification from Capital One that my account will be reported on all credit reporting agencies as Paid in Full, current as of XX/XX/2019. 

As of the date of this letter my credit bureau accounts are being reported as follows : XXXX  reporting as charge-off XXXX   reporting as Paid or paid as agreed XXXX reporting as paid account/charge off My auto loan account was mostly paid off by my insurance company ( XXXX ) after the car sustained a total loss in an accident. A balance remained, of which I paid off in a monthly installment plan. 

As of current my account is still reporting as charged off on 2 credit bureau reports. This incorrect reporting is causing me a great amount of hardship. I am currently out of work and unable to accept a job offer that requires me to commute 30 miles because I cant get a car loan to purchase a vehicle due to the charge off on my credit file. 

Ive made multiple disputes via the credit bureaus and each time this charge off status has been re-affirmed by Capital One. 



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

i recently check my credit report and i noticed some new inquiries on my credit report that i am not authorize. some one who has my personal information tried to apply for credit cards. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Debt collection

Southwest Credit Systems is attempting to collect a debt that has been paid directly to XXXX and will not remove items from the the three credit bureaus. The representative stated that they have a " no deletion policy ''. When I asked her to provide me with that policy in writing that she quoted, she stated that they don't have a policy to send me, she was just trained to say that Southwest Credit systems has a no deletion policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enlisted in Experian boost several months ago which is a new service that allegedly tracks payments and improvesyour credit score. As soon as I signed up for the service Experian began having problems connecting with my bank and it resulted in my credit score dropping by 20 points. I have spoken with Experian and they explained that if I unenroll from the program my credit score would correct itself. It's been a month and my credit score is still damaged by more than 20 points and they continue to tell me they can't do anything about it. I've reported them to the XXXX XXXX XXXX and I've had no response. This seems to be a scam developed by Experian to get a hold of your payment schedules for whatever purposes they would be using them for. I simply want Experian to erase my enrollment in Boost   and return my credit score to where it was in XX/XX/2019 prior to joining Boost
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps sending the same exact response that they need authorization, when I jar responded to them and I have given authorization each time. this is getting redundant and Experian needs to address my complaint which I have asked numerous times. I know that Covid had affected everyone, but they should just blow me off by sending the same exact messages which I think are automated. I give and have give Experian authorization to proceed with my complaint