23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They claim a loan was opened in my name and then not paid and everytime I dispute they claim to validate it with no proofs. I also contacted them to investigate as I never opened said account for a loan of {$150.00} or so. They refuse to actually investigate and they keep reporting it as late. They can not provide any signed contracts for this loan with a wet signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called these companies several times last year to inform them there was inaccuracies on my credit report, but no results ever happened. There is just updates on my credit report that say i disagree.
Product: Money transfer, virtual currency, or money service

We was given XXXX x XXXX tokens by XXXX. We used one and have yet been able to spend as merchants keep denying payment. 

The tokens have as very last line an expiry date. I would have never imagined that cash would expire. We didn't even see that date. When I asked the helpdesk on XX/XX/XXXX they told me they expired, on XX/XX/XXXX. She then said I after I challenged the date, she said I mean XXXX. I then at this point checked the emails and there is the date l, which is hidden. 

I am not happy that this was hidden and also that we wasn't advised at the time that these had an expiry date.
Product: Payday loan, title loan, or personal loan

I didnt find a category to select. 
i set up automatic withdrawls from my checking account. for monthly payments on the loan. 
SO to defeat the interest rate I cheduled a payment of XXXX dollars on the company, instead of the XXXX dollars being taken the entire loan amount of XXXX was withdrawn from my checking account leaving me with XXXX dollars in my checking account. 
There is absolutely no verification of this transaction when i log into the company website where i started the transaction all it says is a XXXX time payment has been authorized. WHen you want to make an additional payment on your loan they prompt you to MANUALLY TYPE IN THE AMOUNT you want to pay & that was XXXX I called XXXX customer service & all they can offer is that I approved the transaction. 
The only receipt i recieved was a notification that a payment was scheduled & it was on their website & all the notification said was a paymnet has been scheduled, didnt give the amount, date time or a final check.of the amount. 
The only confirmation of this transaction was verbally from XXXX Customer Service. 
i asked for them to provide the transation history as to when i initiated the transactoin & selected full amount instead of typing in XXXX which i requested & they said they would have to look into it. The only solution offered to me by XXXX was to take out another loan. Once again i asked XXXX why i didnt get a confirmation or verification of the financial amount of the transaction & all they had to say was they emailed me a notification that the loan was paid in full.
Product: Credit reporting or other personal consumer reports

XXXX account XXXX To preface, I am facing a sophisticated cyber attack shrouded in public corruption. I reported a fraudulent company & multi-million dollar scam to the FTC about XXXX months ago and the group orchestrating the scam is preventing me from communicating with others by phone or text or internet. To circumvent this I've been forwarding traffic from a variety of domains to websites I've created with information about the situation. It's escalated to the XXXX military working with XXXX of my cellular providers to monitor the traffic to and from XXXX of my phones. IP addresses assigned to the XXXXXXXX XXXX XXXXXXXX ( a few times also the XXXX XXXX XXXX XXXX ) are always showing up for the source of my cellular data, but I am yet to speak with anyone about what's going on. 

Currently I am unable to spend money online using any bank or digital wallet, and I can not open a new bank account at any bank due to banks being unable to verify my identity after I enter my SSN. It seems as if I've been declared deceased and any use of my social security number is being refused. I recently moved to XXXX XXXXXXXX XXXX  from XXXX, IL without much warning and it's possible someone reported me missing, but I'm unsure how to find out. This also could be a tactic by the group of scammers to prevent a murder investigation in XXXX XXXX after I've been declared dead in XXXX. 

Here 's what's happened in the past week : 1. ) XXXX XXXXXXXX XXXX XXXX XXXX, and XXXXXXXX XXXX rejected my application to open a checking account because they could not verify my identity. 
2. ) I was unable to deposit cash into my XXXX account with an error message of " suspected fraud '' being the reason on the cashier 's screen. I opened a new XXXX account and the same thing happened with that account at a different deposit location. 
3. ) I added money to a XXXX pre-paid debit card, but when I tried to register the card online with my SSN they were unable to verify my identity, so I am unable to add a billing address, or make transfers or withdrawals. 
4. ) I can not log into my account with XXXX because they can not verify my identity. 
5. ) I received an email from XXXX about a credit inquiry, but I have not applied for anything except checking accounts in the past year. I received a similar email from XXXX, along with an email about being approved by a lender for a loan. I do not have access to any XXXX account currently. 

The other big issue I have been wondering about is that my credit score jumped up XXXX points not long ago without me making a single payment. Nothing was old enough to drop off from contributing to the score I am reporting this to keep record with the Consumer Financial Protection Bureau and in my own publicly-accessible list of reports. If there is anything your office can help with it's appreciated. If any action is taken on my behalf, PLEASE approach the situation with grave seriousness and be mindful of hacking and manipulation by highly premeditated social engineering tactics. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called network to get TV service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me except the XXXX XXXX account they informed me about, maybe it still has not been reported, I am not sure. Please get these fraudulent accounts off my report.
Product: Mortgage

In XXXX, I was forced to file XXXX XXXX XXXX. I did not want to include my mortgage or my auto loan in the bankruptcy, but my attorney told me this is required for XXXX XXXX XXXX due to the fact that it determines your monthly payment which is paid to the Trustee. 

In XXXX, I lost my job and Covid hit, which meant I was unemployed the majority of the year and had to transfer my XXXX XXXX XXXX  to a XXXX XXXX  On XX/XX/XXXX, I signed an Intent for XXXX XXXX  Filing which indicated that I was to reaffirm both my auto loan and mortgage and my attorney filed this document on XX/XX/XXXX. 

I was not aware of any additional filings done by my attorney and I never went with him to court, nor did he keep me apprised of document filings or any issues with documents we had filed to date. 

As of XX/XX/XXXX, I pulled my credit report to determine why my credit score was not increasing although I had reestablished credit and was making all other payments on time every month. I noticed that my mortgage, which was opened in XXXX, showed as closed in XXXX due to bankruptcy. The mortgage company said that since the mortgage was not reaffirmed, the only way my mortgage would ever be reported again would be if I refinanced or if I bought a new home, establishing a new mortgage. My credit score was over 700 when I bought my home and I have a 4 % interest rate, so it would cost me more to refinance and I have no idea if I would even be approved for a new mortgage with such a low credit score and no rental payment history or mortgage history. 

I contacted my attorney and he was disinterested in explaining what happened or trying to fix anything. The credit reporting agencies kept telling me to file disputes that included payment history proving that I was making timely payments. This tact never worked and there was never any change. 

Finally, this past XXXX, I logged onto the court website and downloaded all documents filed in my bankruptcy, which is how I got the Notice of Intent with the mortgage listed to be reaffirmed as well at the auto loan, which that reaffirmation agreement was filed XX/XX/XXXX. I reached back out to my mortgage company more than once now and I have sent them this document, as I don't think it's fair that I am being punished with what is essentially a 25 year penalty for having to file bankruptcy since my attorney did not do what we agreed he would do or what he was paid to do. When I speak with the mortgage company, they tell me that I can not speak directly to their Bankruptcy Dept, but they have sent them the document to see if a reaffirmation agreement can still be signed and filed to try to correct this error, but they have never gotten back to me. 

I'm honestly not sure what to do in this case. If a reaffirmation agreement can still be signed and filed, I would like to do that to keep my current loan terms and have my payment history reported to the bureaus again. It seems like my mortgage company has sent the documents and request into a black hole and they are not keeping me updated on what is happening. Any help at this point would be greatly appreciated.
Product: Credit card or prepaid card

I have XXXX preloaded XXXX XXXX XXXX  with Bank of America. Both cards have expired. When I called them to get a check made out or a new card issued to me, they told me the funds are forfeited when the cards expired. They stated that these cards have an agreement with my employer ( who provided me the cards ) that the funds expire after the expiration on the card. I asked them to furnish the agreement to me so that I can validate their policy. They said they can not do that. It is completely inappropriate for them to take these funds as profit for themselves simply because the cards expired.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are listed the hard inquiries listed not once but more then once. I have rights and to my fair credit reporting act they Need to show me proof as to where I signed an have copy of my license to prove it was me to run my credit. They not only did it once they have ran my credit multiple times at different months. I am not happy an tried my best to fix issue on my own but I need help. I want proof I allowed these companys to run my credit. My rights are being violated. 


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

It has come to my attention that accounts US DEPARTMENT OF EDUCATION XXXX & XXXX are at the 7 year Running of Reporting Period on my TransUnion Consumer Files. This is an Action for the Pre removal permanent Deletion due to Knowledge of 1st day of Delenquency and Collections status being at least 180 one hundred and eight days prior of being sold by XXXX XXXX, 2017. 
Pursuant to cfr 605 ( a ) ( 4 ) ( 5 ) ( C ) ( 1 ) fcra ( 1681 ( a ) ( 4 ) ( 5 ) ( C ) ( 1 )
Product: Mortgage

hello I submitted an application for a $ XXXX HELO from PNCBank on/about XX/XX/XXXX on property on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - value of $ XXXX. I own the home outright, no debt. Since I just submitted a HELO from PNCBank for another property I own outright, XXXX XXXX XXXX , XXXX, FL XXXX - HELO for $ XXXX was accepted I knew exactly what documents PNCBANK needed. I provided 2 months recent pay stubs XX/XX/XXXX fed taxes XX/XX/XXXX delayed tax filing all assets, including XXXX XXXX valued at over XXXX XXXX dollars. PNCBank assets Despite all this information, PNCBank kept on asking and asking for more information, which I provided. I have been banking with PNCBank now for over 25 years, I have had over $ 600k of mortgages with PNCBank, all of which are paid off. So, there rejection now because of lack of documents is false! They are giving me a hassle, most likely because I turned down using PNCBank to buy properties and instead paid cash for them. Now PNCBank doesnt want me to have HELO 's on these properties. Ridiculous. If this is how PNCBank treats its long time customers, l think this should be noted for new consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX XXXX XXXX reporting on my credit that I purchased a car from a XXXX Dealership in XXXX Alabama. Upon contacting the company I was routed to multiple people that had no information to share with me about the account. After calling back again I was given a reference number and referred to another company. Radius Global Solutions LLC and was informed that I owned a XXXX XXXX XXXX. This time I was informed that the vehicle was purchased from XXXX XXXX XXXX in XXXX of 2023. After a spirited discussion with the representative I informed him that I purchased a car from another dealer and he could not provide any information from vin number to location of purchase and immediately offered a fraud alert. He refused to answer why they fraudulently used inaccurate information on my credit report and hung up the phone.
Product: Money transfer, virtual currency, or money service

I am a victim of a scam in which the seller never shipped me the item I paid {$780.00} for on XX/XX/2020. They said they shipped the item but demanded XXXX gift cards in order to activate the USPS tracking number. This is when I realized I had been scammed. Prior to realizing this, I paid through XXXX, which I accessed through my Fifth Third Bank account. I contacted XXXX and they said they couldnt do anything to help me considering XXXX is separate from them and I was aware of the transaction. It is extremely misleading when XXXX provides XXXX as an in-app service but is not willing to backup or investigate clear acts of fraud and scams. XXXX is advertised as a similar service to XXXX XXXX an organization that does provide transaction security ), and in the process provides a false sense of security to its users. If Fifth Third is going to automatically attach XXXX to my mobile banking account, they should more clearly specify that they are not willing to help in the case of a financial scam ( even though they should ). Instead, I was tricked by not only the scammer, but also Fifth Third Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX Account DATE : [ XX/XX/XXXX Reason : [ NEED HARD INQUIRY REMOVED FROM PROFILE PLEASE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, [ XXXX XXXX ]
Product: Money transfer, virtual currency, or money service

On XX/XX/ I sent money to a recipient through Venmo in the amount of {$300.00}. I selected their payment protection service, that indicated it provides protection when purchasing a good or service. It did not clearly indicate the funds would be held for 21 days. In their fine print it does indicate they may place a hold on funds for certain reasons but does not specify any time limit - let alone a 21 day on funds. During this time Venmo has retained possession of the money, undoubtedly using it for financial gain for their company. They will not provide me any information on when and if the hold will expire or reverse it at my request. Both I and the recipient are at their mercy until they decide to release my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Charge-off on my credit reports reported by the XXXX credit bureaus ( XXXX, Experian, and XXXX XXXX being reported by XXXX ( XXXX XXXX ). This debt was a joint account with my ex-wife. We were separated in XXXX and divorced in XXXX. This debt was sold to a Collection Agency, XXXX XXXX, and XXXX XXXX has removed it from my credit report on their end. I have asked XXXX XXXX XXXX XXXX XXXX as a XXXX gesture to remove their reporting from my XXXX credit reports on their end as well. I received a letter from them stating that my request was denied and that XXXX XXXX XXXX XXXX XXXX will not remove the derogatory remark from my XXXX credit reports, and that they will keep reporting it. This account was opened in XXXX, and was charged-off in XXXX. I am asking them for their consideration in removing this derogatory item from my XXXX credit reports from each of the XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry that appears on my Experian credit report. 

Below are the details of the inquiry in question : Report Number : XXXX Creditor Name : XXXX XXXX  Type of Business : All Banks Date Inquiry : XX/XX/XXXX Report Number : XXXX Creditor Name : XXXX XXXX XXXX Type of Business : Bank Credit Cards Date Inquiry : XX/XX/XXXX Report Number : XXXX Creditor Name : XXXX XXXX XXXXr Type of Business : Bank Credit Cards Date Inquiry : XX/XX/XXXX Report Number : XXXX Creditor Name : XXXX XXXXXXXX XXXX  Type of Business : Bank Credit Cards Date Inquiry : XX/XX/XXXX Report Number : XXXX Creditor Name : XXXX XXXX XXXX Type of Business : Bank Credit Cards Date Inquiry : XX/XX/XXXX I do not recognize or recall authorizing this inquiry on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter with the entity that made the inquiry and remove the unauthorized inquiry from my report if it can not be verified as authorized. 

I am attaching a copy of my credit report, where I have highlighted the disputed inquiry, along with a copy of my identification to verify my identity. Thank you for your prompt attention to this matter, and I look forward to a resolution within the 30-day time frame mandated by law. Please feel free to contact me if any further information is required. 

Sincerely, XXXX XXXX
Product: Bank account or service

Wells Fargo prematurely closed my account despite me making agreed paying. when I opened the account, I agreed to pay {$100.00} per month and I have never paid less than XXXX per month. when I contacted the creditor ( XXXX and XXXX ) for assistance in managing my Wells Fargo account, they verbally indicated that they no longer bank with Wells Fargo because they do not deal well with customers and that Wells Fargo has closed all of their customers accounts in XXXX. Since the deal with Wells Fargo and XXXX and XXXX ended, Well Fargo have been inflexible in managing the late fee and discrepancies on my XXXX and XXXX account. Although they closed my account after increasing my credit limit, I continued to pay on the account, but my credit report reflect that it is charged off because i have missed XXXX or XXXX full payments ( due to late fee and online banking issues ) and have been trying to rectify the discrepancies and get my account current since XX/XX/XXXX, but wells fargo have been extremely punitive with their exorbitant late fees and rude customer services reps, who speak to you in a condescending manner and tell you that thereis nothing they can do but close or charge off the account and ruin your credit. they then proceeded to close my account in XXXX although they received payment. Please note payment made as reflected through my online XXXX account statements : XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX {$120.00} XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX {$100.00} XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX {$100.00} XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX $ 100.00I will be happy to forward the aforementioned transactions through a formal bank statements to support this documentation. 

In XXXX, and XXXX I missed online payments due to an online banking glitch, but from XX/XX/XXXX, Wells Fargo have consistent received payment as reflected in your credit summary. I explained this to Wells Fargo and other creditors that were affected. other creditors did not charge my account off. they worked with me to rectify the past issues, and now my accounts are in good standing. Wells Fargo has made no effort to work with me as they appear to be no longer invested in me as a customer, due to their severed relationship with XXXX and XXXX, who has actually apologized for the problems and invited me in to open an account with their new bank ( XXXX ), as they no longer do business with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to properly investigate and provide proof of account in question XXXX XXXX and a bankruptcy they have mis use my information
Product: Student loan

The date set up and amount upon my payroll is not usually good at most time.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED!!