23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX XXXX, XXXX, XXXX, Education Loan being serviced is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. XXXX  XXXX XXXX, XXXX is servicing a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my XXXX XXXX XXXX XXXX XXXX I have written several letters to XXXX XXXX XXXX, XXXX to resolve this matter.
Product: Credit card or prepaid card

I am currently POA for my father who has been in the hospital since XXXX and he is still currently there. I am trying to handle all of his financial obligations. However since I am not recognized as a POA I can not pay on his account.I have sent them all paperwork starting XX/XX/22. I sent a total of 4 faxes to capital One. Each time being rejected for having an incomplete packet. I have fax confirmation letters to show that all faxes were complete. Each time I called and spoke to a representative they told me exactly what I needed. Reason for rejection : 1st time : no address for myself listed 2nd time : no copy of my drivers license 3rd time : cant read notaries signature 4th time : I have a letter saying I am missing the above info still along with missing my occupation. 
I called and spoke to a supervisor ID of XXXX she gave me her personal fax. She reviewed everything I needed in the POA submission which I confirmed I had. She confirmed she got my fax and sent it to the department that handles POAs. She told me 7 days. Today is day 7 and when I called in she stated they are still within their time frame. I asked to speak to a higher supervisor and she stated that they dont take phone calls. I asked if they could call me and she said No, they just support her. So I asked again there is no supervisor I can speak with and you can not call that department. She said that is correct as they do not have phones. She faxes them my packet. I said whos to say they got a complete packet she said she has a fax confirmation sheet. I replied so did I and I am still getting rejected. I asked if there is a grievance policy and form as I would like to make a formal complaint and she replied there is no grievance policy. It was on a recorded line and will reflect she said there is no grievance policy and no way of showing that the department that reviews POA applications actually got the full packet.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent and accurate and false information consist of four personal credit card accounts and one account from XXXX  XXXX for {$450.00} the credit card accounts were from XXXX XXXX XXXX  for {$1200.00}, XXXX XXXX XXXX  for {$660.00}, XXXX XXXX XXXX XXXX  for {$660.00} and XXXX XXXX no balence given. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

We became Care/Credit - Synchrony Bank customers a few years ago. This account provides for " promotional '' charges which, originally, postponed full payment for one year, convenient for our veterinary charges of several thousand dollars. We continued on for several months, added a number of charges and made all monthly payments on time, and paid off the large " promotional '' balances when they came due for transfer to the 26 % accrual status. Many months along we saw that the " promotional '' period had changed and the interest imposition was occurring at 6 months rather than one year. We missed the " fine print '' explanation and that's on us. However, at the same time we learned that the promotional offer did not apply to charges under {$200.00}, and that our balance actually accumulated a few thousand dollars of such charges, which also was subtly mentioned in what appears to be an advertisement ; we learned this after calling Synchrony about what appeared to be an excessive and inaccurate balance. At that time I voiced a strong complaint that their statements omit the balance portion which is accumulating the excessive interest charges, but instead simply include the amount in the total, is easily missed and one only can obtain that actual " hidden '' amount by subtracting the pending deferred interest sub-totals from the total balance. As I told them at the time, I have never seen a credit card or loan statement which concealed specific balances accumulating interest, especially at such an exorbitant rate. It also appears that monthly payments are applied to promotional amounts as well as the hidden balance, so in order to apply payment to the hidden balance specifically one has to call Synchrony and be very clear that a payment is to be applied solely to the hidden balance. Clearly this works to the great benefit of Synchrony and to the detriment of consumers, particularly those who have not figured out this manipulative and deceptive practice. Further, if one goes to their website to make a payment, again there is no way no make the payment only applicable to the hidden balance. We not only find this an unfair practice and anti-consumer, but is fraudulent behavior which is at least borderline criminal. Lastly, during this time when staffing is limited there is NO WAY to make payment on the hidden balance, since neither automated telephone system nor website allow for it and a actual human can not be reached by telephone.
Product: Checking or savings account

I thought my CD 's were listed in maturity order on the bank 's website. Based on that, on XX/XX/XXXX I instructed bank to take action ( done on internet ). 15 minutes later I discovered the CD 's were not listed in that order, so I IMMEDIATELY called to void those instructions. 
I was advised ( on XX/XX/XXXX - same day ) there was a 25 minute wait to speak to someone. I waited 30 minutes and the recording still said there was a 30 minute wait. I tried to call again about 2 hours later but had the same results ( I had waited 25 minutes ). So I attempted to use the " chat '' feature on the website to reach someone - but a note popped up saying that the ''chat '' feature was not available. 
So I sent them an e-mail ( do not have copy of this ) - Received a receipt of my e-mail from the bank on XX/XX/XXXX, which basically said they received my e-mail and would reply within 24 hours.

On XX/XX/XXXX I went through a similar procedure- knowing that I had to act before XX/XX/XXXX to get the action I wanted. This time themessage said that the wait was 65 minutes. I again sent an e-mail using their website to communicate. I also called again on XX/XX/XXXX at XXXX on XX/XX/XXXX ( they claim they are open XX/XX/XXXX ) with same wait time ... so I e-mailed them again. 
On XX/XX/XXXX, I called at XXXX XXXX and again at XXXX XXXX with the same results. 

Finally reached them on XX/XX/XXXX. spoke to XXXX XXXX. She claimed they had call center go down. She ( and subsequently a supervisor, XXXX XXXX, refused to take any action on my behalf because the time to get the action I wanted had expired. I told them that it was their fault I could not reach them in time. But they refused to do anything to help me. I asked for the phone number of their executive office and they refused to give that to me - only a PO Box to write to. 
My complaint is that where a bank is only accessible on the internet there must be a manner for customers to reach them on an emergency basis. If I were desperately in need of withdrawing money, I would have no way to do it. Such a situation is unconscionable and whatever laws, rules or regulagtions exist must be amended to protect depositors. By electing to do business solely on the internet HAS to make them have a manner of reaching someone immediately. In addition, depositors should not be penalized by the failure of the bank 's system and their unwillingness to compensate for problems they al ; one create. The bank should have to prolong offers for the length of depositors ' inability to reach someone and act on bank offers. 
The net result is that I lost at least .45 % on my funds for 12 months. I want the bank to make good on the rates they offered between XX/XX/XXXX and XX/XX/XXXX. I want my CD # XXXXterminated and the balance, less the penalty put into their one year CD at 2 %. 
I want them to establish an emergency phone number to be used when their main numb er is swamped or I want them to be responsible to immediately switch a sufficient number of people to their other call centers so this can not happen. They chose to opeerate only on line so they must protect against these situations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am natural person I am a living human being and i have a right under 15 usc 1681 and Equifax violated my rights numerous times and i demand these accounts listed below be removed according to 15 usc 1681.I have the rights to privacy and i did not give equifax permission to furnish these accounts. 

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

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX XXXX XXXX {$220.00} Opened XX/XX/XXXX XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$150000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

MOHELA IS IN VIOLATION OF THE ADA ( AMERICANS WITH DISABILITIES ACT ). 
I've tried multiple times via email and the chat option ( when it's available ) to have Mohela apply one month toward my PSLF count. That one month was placed on administrative forbearance ; I've let them know that 34 CFR 685.219 ( c ) ( 2 ) ( v ), passed XX/XX/2022, requires any months where Administrative Forbearance exist is to be applied toward PSLF counts. They continually tell me that the month does not count because of the forbearance. Upon my request to speak to a supervisor, they have told me several times that I can not speak to a supervisor via email or chat ( when it's available ) but that I have to call them. I've explained to them that I am XXXX XXXX XXXX XXXX, so calling will not work. They still refused to have a supervisor respond via email or chat. I also have attempted to " call '' Mohela through TTY. The TTY number XXXX in contacting Mohela does not work. I tried several times and it will go to an automated voice that keeps translating the same message over again and shortly after, the call ends, even though I follow the one prompt on it. Besides being unable to talk to a supervisor, I can not even contact one in any method available to me. Mohela is in violation of the ADA and is subject to a lawsuit as a result of this violation.

In addition to the ADA violation, there's also the violation of 34 CFR 685.219 ( c ) ( 2 ) ( v ) that they won't apply the ONE month toward my count. All I wanted is to have that month counted and as a result of their discriminatory policies, I've discovered the ADA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX ( XXXX ), account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never heard of this company .I have n't apply for any credit card nor any loans what so ever.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX Maryland XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX TX XXXX Request to Remove Unauthorized or Unverified Inquiries from My Credit Report Dear XXXX, I am writing to dispute certain inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the accuracy and legitimacy of the information reported about me. Specifically, I am invoking the following statutes : 1. 15 U.S.C. 1681b ( 2 ) : This statute outlines permissible purposes for accessing a consumer 's credit report. An inquiry can only be made if there is proper authorization from the consumer.

2. 15 U.S.C. 1681 ( 9 ) : This Section ensures that the credit inquiries and information reported must have a clear and valid basis.

3. 15U.S.C. 1681c-2 : This provision allows for the blocking of inaccurate or fraudulent information resulting from identity theft. 

After reviewing my credit report, I found the following inquiries that I do not recognize and/or did not authorize 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  I hereby request that XXXX  provide verification of the permissible purpose for each of these inquiries, including documented evidence of my consent. If you are unable to provide such evidence, I request the immediate deletion of these inquiries from my credit report as they are in violation of the above cited statues. 

In accordance with the FCRA, please complete this investigation within the legally required 30 day period and provide me with written confirmation of the results. If these inquiries are not addressed or removed, I will consider pursuing further action to protect my rights under federal law. 

Thank you for your prompt attention to this matter. I look forward to response. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX Maryland XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 22. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 24. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I have an existing complaint against Wells Fargo Bank. Well Fargo allowed another person to open accounts, recieve debit cards, checks, change my account information. All this was done during an investigation of fraud I made on my accounts. 
Wells Fargo initially told me, law enforcement, experian, and the XXXX I stole my own money and they investigated this several times and I did this. I reported Wells Fargo to the Executive office of Complaints who also claimed there was no fraud and I stole my own money. I then reported them to your office. Low and behold they have now sent me a letter telling me the accounts are not mine and I did not open them. Wells Fargo is only paying me for what they allowed to happen the month of XX/XX/2020. I called and asked them about the remainder of the missing money, fraud. Transfers and why they will not cooperate with law enforcement. 
Wells Fargo is claiming I have to file a new claim for the rest of the fraud. I submitted this all to Wells Fargo from the beginning. Why are they picking and chosing what they get to claim as fraud. I am still out over XXXX XXXX dollars. I still have the person in my accounts. Wells Fargo gave this person and still is my information. They only gave me a portion of my money back because I reported them to this office. 
Wells Fargo is the most dishonest bank. This person has stolen my life. I am XXXX. So thats why I dont get my money? 
I have begged Wells Fargo to talked to my investigating officer. I have tracked the person who I think it is. He can not do anything without their help. 
They tell me they don't do investigations. This is never going to end if the person is not caught. I cant even open a bank account. I want my money. I live XXXX check to XXXX check. We can't run our buisness and they are still refusing to help me. I dont understand Wells Fargo is breaking the law as bad as the person who has my identity. They have and are stealing blind from me. They are continuing to let my identity be stolen. I truly believe this is an inside job. Wells Fargo purposly has given out my information and they will continue to do so. I cant stop them. 
Please help me. My investigation officer is XXXX XXXX. XXXX XXXX County Wisconsin Sheriffs Dept. XXXX XXXX XXXX. I cant afford Wells Fargo I cant afford to hire an attorney. This is completely wrong. NOONE from Wells Fargo will help me. I just keep finding more and more money missing and more and more accounts open. When I call them. They won't tell me anything. 
XXXX XXXX XXXX
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. 

Account Name : XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 card

On XXXX/XXXX/16 I received a call from a scam falsely claiming to be IRS and that I owed over {$5000.00}. I was told that I must buy a {$500.00} tax payment voucher or {$500.00} of XXXX gift cards at Best Buy and call in the numbers on the gift cards, or face a warrant for an arrest. I bought the {$500.00} worth of XXXX gift cards at the Best Buy, but did not call in the numbers to the scammers. I went to my elected official and I was told it was a scam. So I went back to Best Buy immediately to return the XXXX {$500.00} gift cards and to have my credit card purchase cancelled. Best Buy told me that you can not return XXXX cards once they are purchased. 
I write to ask your help in allowing me to return the Best Buy {$500.00} gift cards and have my credit card purchase cancelled. My credit card company called Best Buy and confirmed that Best Buy policy does not allow return of XXXX cards. 
Since then, I recently heard a news report by XXXX that retailers should be aware of this scam and warn customers before making large purchases. I was not made aware of this scam by Best Buy, so I believe that Best Buy should accept my return of the XXXX cards and cancel my credit transaction. 
It just seems wrong that XXXX & Best Buy were aware of this scam and profited by my purchase. The Best Buy manager felt sorry for me that I am a XXXX that was victim of this scam, but still did not cancel the transaction.. It seems wrong to me that XXXX and Best Buy profited on this XXXX scam. 
The Best Buy is at XXXX XXXX XXXX, XXXXXXXX Also, I filed a report with the Treasury Department on this scam. 
Thanking you in advance for your help.
Product: Credit reporting or other personal consumer reports

This is my third time disputing these inquiries. I have called to only be left on hold each for hours at a time. Plus I have sent 3 letters out with no response back. First and foremost a am a real human and don't have time for the games. 
Fraudulent accounts where applied for in my name listed below - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting A copy with my signature in agreement with all terms and charges related to the inquires on my credit report. IF YOU CAN NOT PRODUCE THESE DOCUMENTS delete the stated inquries and addresses immediately!! 
ALSO Delete these addresses because they are related to fraudulent Activity. 
- XXXX XXXX XXXX XXXX, NC XXXX - XXXX XXXX XXXX XXXX, NC XXXX
Product: Debt collection

On XX/XX/2018, I paid in full a debt from XXXX XXXX XXXX XXXX XXXX over the phone with CMRE Financial Services, at XXXX. The amount was {$120.00}. I was told that it would be removed from my credit report but it is still showing up under collections. When I followed up with a call recently, they were very unkind and responded as if they could not follow through with removing this from my report. Please help! 

Their website is http : //www.cmrefsi.com/