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

To Whom It May Concern, Im contacting you regarding an international business wire that I had sent over to my vendor 3 months ago which has not been released yet. I used my small business account through Capital One bank to process the wire, and apparently they use XXXX as an intermediary bank because XXXX tracker shows that the wire is stuck at XXXX. I was able to obtain XXXX tracking info from my vendor 's bank in overseas. 

On XX/XX/XXXX, I sent 3 identical wires in the mount of {$71000.00}. On XX/XX/XXXX, the first wire went through but not the remaining two. After my conversation with Capital One rep, second wire was released on XX/XX/XXXX, but not the third one. 

I have been calling the wire department everyday for 3 months, and spending hours trying to explain the situation but I keep getting the same response of We are investigating it. 
This is not acceptable as my vendor has been charging me late payment fees and has threatened to stop doing business with us. 

I would appreciate it a lot if you can help with this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months, I have been disputing items that are 100 % incorrect and have not been proven using the law thus far. 

The major 3 credit bureaus. XXXX, Equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two fraudulent Hard Inquiries on my account.
The first one is from XXXX XXXX. It is showing up only on my XXXX credit report. It shows up as : XXXX on XXXX/XXXX/XXXX, I was alerted and called XXXX on XXXX and told them was not me and that I need the inquiry reversed. They said they would have the inquiry removed. It is now XX/XX/XXXX and it is still showing on my XXXX XXXX account. I spoke to XXXX XXXX agai, spoke with XXXX in their fraud department today, XX/XX/XXXX XXXX EST and they are again promising that they will remove the inquiry with 30-60 days. anything you can do to make sure they really do it would be appreciated. 
2nd one was on XX/XX/XXXX. It is only showing up on my Equifax report and it registered as XXXX. I called the number that was associated with this also on XX/XX/XXXX and again was assured the inquiry would be removed. It also has not been removed off my Equifax report. I have been told that the XXXX stands for XXXX XXXX XXXX someone was trying to open a credit card in my name at XXXX XXXX. They have my social security number and a prior address of mine. I have put a freeze on all credit bureaus because of this but need these hard inquiries removed from credit report. Thx
Product: Checking or savings account

They said they would order the part to fix my refrigerator. The took the broken part. I wrote a check for {$210.00}. There were a few messages that they would order the part. They never did and then I couldnt reach them. Their phone number doesnt work. I read where they have scammed other people the same way. They are foreigners and barely speak English. The person who came to my home had to use a translation app oh his phone
Product: Student loan

XX/XX/2020 Consumer Financial Protection Bureau XXXX. XXXX  XXXX XXXX, IA XXXX RE : XXXX XXXX XXXX XXXX Wells Fargo Student Loan # XXXX XXXX Account # Dear CFPB, I refinanced my Wells Fargo Student Loan with XXXX ( see attached documentation ), with a loan approval date of XX/XX/2020. My first pay to XXXX was scheduled for XX/XX/2020, proving that I was approved for a loan refinancing through them. XXXX was supposed to payoff Wells Fargo by XX/XX/2020. 

On XX/XX/XXXX, my parents co-signers on the Wells Fargo loan received a notice from Wells Fargo that I am in arrears on the loan. I immediately inquired with XXXX via phone and they said that they had a batch of checks that did not go through and had to be resubmitted. XXXX had not contacted me and told me of this delay. Previously they had told me my Wells Fargo loans had been paid. XXXX emailed me confirming the loans were paid off. My accounts with XXXX show that everything has been paid and disbursed to Wells Fargo. 

Only today did I receive notice from Wells Fargo that they still have not received a payoff from XXXX and that I am 60 days in arears on the loan. This is now affecting my credit score. 

I want an immediate investigation into both Wells Fargo and XXXX. I can not tell who is not being truthful. But one of them is withholding my payoff while I am paying money to XXXX for my loan. The Reference Numbers to my conversations today asking Wells Fargo to remove the late payment a request which they have denied are XXXX and XXXX. 

Thank you. 

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

I had a medical insurance through XXXX ( XXXX ) which published contracted rates for the associated medical providers. When I received the medical service, both the provider ( XXXX XXXX XXXX , XXXX - XXXX ) and XXXX, who listed the provider in its network, committed a fraud by charging me the rate much higher, than listed in the contract. I disputed the charge and agreed to pay only the price listed on the contract. I did pay the amount due to XXXX promptly, as I was waiting on the resolution. XXXX violated many of their own rules, including failing to notify me in advance if my charges will be different than the contracted rates with the provider, billing the lesser amount than the " Maximum Allowable Amount '' and others. As I was waiting for XXXX XXXX  reply to my complaints, XXXX passed my " outstanding balance '' to the collection agency, the XXXX XXXX  - XXXX. I believe there is a collusion of at least 3 business entities ( XXXX, XXXX and XXXX ) to avoid paying claims and charge patients extra amounts in violation of the agreed rates. XXXX reported my " debt '' to Experian ( EX ), the credit reporting agency, that since then has reduced my credit rating directly affecting my previously excellent credit score. This is a direct material loss that I have experienced by EX 's action. The total " debt '' amount is about {$500.00}, and I have been paying monthly much higher balanced. This is the matter of fraud committed against me ( and potentially other patients ) by XXXX XXXXXXXX and XXXX. I have to add Experian also to this axis of fraudulent actors because they failed to impartially investigate my numerous complaints that " bad debt '' was manufactured by XXXX and sold to XXXX. Moreover, EX gave me the wrong address to forward my complaint to the regulator agency. I can provide all supporting documentation. I ask that the fraud by XXXXXXXXEX be investigated by the appropriate regulatory agencies, administrative actions be taken, and that any and all fraudulent charges be removed from my account and my credit score status be re-instated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent documentation the XXXX to remove items listed below from my credit report due to them being fraudulent accounts. XXXX claimed the accounts were valid, but after further investigation they are non-valid accounts and should have been removed. I sent another dispute letter along with my driver 's license and an FTC XXXX to XXXX on XX/XX/2022 to have the items removed to no avail. In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, And XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian Account - XXXX XXXX I asked for proof of late payments or deletion.
Product: Debt collection

I have previously filed a report to you about this company. The company told me that they would get back to me with information regarding this debt. They never did. The complaint filed with you was closed. I assumed the matter was closed as I do not owe this debt. 

On XX/XX/2019 I received an email from XXXX XXXX of Caine & Weiner asking me to pay this in full and threatening to report this on  my credit. 

I have replied once again that I do not owe this debt. 

I feel like this company just wants to keep sending these emails with the hopes that I will eventually just pay them. They have offered no proof that I owe this debt.
Product: Credit card or prepaid card

Hello, I am writing to communicate the lack of honesty and professionalism I have received from Bank of America ( BOA ). On XX/XX/XXXX XXXX the was a fraudulent charge on my account for {$9100.00} in which I did not authorize by any means. I immediately reported it to the fraud department and they temporarily credited my account for that charge while they performed the investigation. On XX/XX/2023 the same merchant who made the fraudulent charge on my account credited my account for the {$9100.00}. When I noticed the credit I contacted the ( BOA ) and asked why that merchant had access to debit and credit my account without my authorization. The answer I received was that it was part of the investigation and that the temporary credit they had issued was going to be charged back since the merchant had already refunded the charge. It did not sound convincing to me but the funds were back into my account so I assumed it was all good. Shortly after I received a letter from BOA claiming that after their investigation I was the one who made the charge. I was very disappointed and felt accused of being part of a fraud. I went to the local branch and they told me there was nothing they could do to help, the only thing I was able to do was call the fraud department. When I called they told me they were going to clarify that and re-opened the case for further investigation. Then on XX/XX/2023 I received another letter stating the same unfair and disrespectful decision that I was the one who made the charge. To make matters worst now I see on my statement I am being charge interest rate fees on that fraudulent charge. Today is XX/XX/2023 and I called to dispute this and they keep on saying that I am responsible for that fee since I was they one who made that purchase. I am sincerely out of words and extremely disappointed.
Product: Credit reporting or other personal consumer reports

Reporting incorrect information on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Denied credit by XXXX XXXX XXXX ref. # : XXXX based on 4 different reasons & " NO SCORE Available '' from Equifax ! I couldn't get logged online at Equifax.com, so I then called Equifax spoke with two repres., a supervisor from the XXXX , got nowhere, asked for a US supervisor got XXXX in Nevada ID number XXXX who was difficult, sarcastic, and uncooperative. He asked me to read the XXXX letter to him over the phone. I filed a complaint with XXXX because his supervisor he said was at corporate HQ only! After being frustrated by his lack of cooperation & smug attitude I simply requested a copy of my report to be sent to me. I then went online to XXXX, logged on without a problem, noticed that the info on me was wrong, incomplete, & misleading! The disputes I had made with them previously were confusing, incomplete, and Wrong! There were NO OPINIONS On their website to follow up and request corrections! My Employment at XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, are ALL Missing! A credit dispute with XXXX appeared as Deleted without the $ 10,000+ business paid them. I can go on! So I just requested a report to be mailed to me. They all are slanting info I favor of THEIR CUSTOMERS NO WE THE CONSUMER! We have to play and get sucked into their compound interest current credit/monthly payment game to get a higher score just so they make money! 50 years of great credit doesnt matter! Ah, I see you were 30 Days Late 5 years ago! Yeh but I was T-boned by a XXXX XXXX XXXX  who died and nearly killed me, XXXX XXXX. Refused to pay me a dime! Im permanently XXXX XXXX now, spend 98 % of my life in bed, in pain, on XXXX, and cant sleep! Im having to fight with these credit bureaus again and again Until they get it right? Instead of bombarding Us with their latest marketing make money schemes, get it Right, cuz This is WRONG!!!

Im contacting my Senator XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX! Hopefully they arent too busy trying to Impeach the White House to get anything we need accomplished! This is WRONG!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Student loan

On XX/XX/XXXX, after receiving an email from the Department of Education about applying for the XXXXXXXX XXXX, I took a look at the application, clicking through to see what it entailed. Of course, I had to put in information to advance within the application. Unfortunately, I mistakenly submitted it, which resulted in my student loan payments going from {$230.00} to {$1000.00} per month. I work for an environmental nonprofit ( and am enrolled in the XXXXXXXX XXXX  ), a job I got during the pandemic, which increased my salary that. 

Had I not made this mistake, my payments would have remained at {$230.00} until XX/XX/XXXX when I would have been required to recertify my income ( when payments resume this XXXX, it would ha used my adjust gross income from the last time I certified, which was before I got this new job ). 

I called Mohela immediately after I made this mistake on XX/XX/XXXX and spoke with XXXX ( ID XXXX XXXX ), who confirmed that I should not have switched to XXXX until XX/XX/XXXX because my payments would go up now and told me to call Federal Student Aid to have them cancel the application. 

I then called Federal Student Aid on XX/XX/XXXX and spoke with XXXX ( ID number XXXX ), who said that XXXX can not cancel XXXX applications once theyve been submitted, only Mohela can. 

So then I called Mohela for the second time on XX/XX/XXXX and spoke with XXXX ( ID XXXX XXXX ), who said my XXXX application would be automatically denied because my new monthly payment would be higher than my current payment and their system would think something is wrong or that I made a mistake. She said I would receive documentation in 5-7 business days stating the application had been denied and I would be put back on my previous XXXX plan with XXXX XXXX  monthly payments. She said to call Mohela back if I hadnt heard anything by then and recommended reapplying for the XXXXXXXX XXXX when I recertify my income in XX/XX/XXXX. 

After not receiving a letter or hearing anything after that, I called Mohela on XX/XX/XXXX per XXXX XXXXecommendation and spoke with XXXX ( ID number XXXX ). XXXX said that I had been given wrong information by XXXX and that once my XXXX application was submitted, they could not revert it. This is exactly the opposite of what XXXX said. XXXX also told me that she would have canceled it but it wasnt showing up in their system yet since I had just submitted it an hour or so prior. 

XXXX was shocked that my payments had tripled because of a mistakenly-submitted application, but reiterated that there was nothing Mohela could do. 

As you can imagine, going from paying less than {$250.00} to over {$1000.00} per month will have a significant impact on my financial and mental well-being. This equates to quite literally thousands of dollars that I will be paying unnecessarily at a time when I, along with many other borrowers, are already struggling financially. The XXXX plan was supposed to save us money, and my payments have now tripled. And that Mohela wouldnt ameliorate this and make an exception because it was merely a mistake is heartbreaking and cruel.
Product: Money transfer, virtual currency, or money service

( XX/XX/XXXX ) I got a check from my job and i wanted to deposit somewhere else because i felt the deposit would take to long for me to be able to handle my bills after scanning it with my chime XXXX So i called chime to cancel my paper deposit and they went and canceled it. I went somewhere else to deposit my check. 
( XX/XX/XXXX ) A few days go by my chime account has deposited the check i canceled. So i called multiple times to fix my checking account and take it out so i use the money i already had in the account. They told me to call back in a few days they would fix it. I called back they said i was fine to use it and it was theyre fault and apologize. So i ended up paying my other bills. ( XX/XX/XXXX ) XXXX months have gone by which and my account is in a negative XXXX dollars. Which i thought they fixed. I called that day and they told me to cash the check again after i deposited it and cashed it else where. I explained what the last guy told me and he hung up on me.
Product: Credit reporting or other personal consumer reports

This account should not be furnished as negative on my consumer report as it is in VIOLATION under, 15 US Code 1681-B permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I paid all of my car payments and the account should NOT be listed as a negative closed account, but instead should be a POSITIVE closed account as the bill has been fully paid off and has been for a very long time. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. As a consumer, I am demanding the fixing of the negative status of this account IMMEDIATELY : XXXX XXXX XXXX XXXX. I am demanding the DELETION of this UNAUTHORIZED INQUIRY IMMEDIATELY : XXXX XXXXXXXX XXXX.
Product: Mortgage

After refinancing my home, my loan XXXX {$390000.00} XXXX was sold 3 times after closing at the end of XXXX XXXX. Planet XXXX XXXX sold the loan to AmeriHome Mortgage XXXX XXXX, XXXX. Per my escrow instructions I sent my first payment for XXXX XXXX, XXXX to Planet XXXX XXXX in the amount of {$2600.00} XXXX {$1500.00} in payment plus {$1100.00} extra towards principle ). This lowered my balance to {$380000.00} which Planet XXXX XXXX transferred that balance to AmeriHome on XXXX XXXX, XXXX. Unfortunately AmeriHome shows a starting balance of $ XXXX and I am not given credit for that first payment of {$2600.00} sent to Planet. They constantly send letters and phone calls stating I am in the rears. 

I have reached out to AmeriHome XXXX times and spent hours trying to resolve this to no avail. I have sent copies of my canceled check, an activity statement from Planet which states the transfer amount of {$380000.00}. I also sent a copy of a letter from Planet stating the XXXX XXXX, XXXX is the date AmeriHome will be servicing my loan. I am at my wits end and hope you can help me resolve this problem. I will be attaching these documents.
Product: Credit card

On XXXX XXXX, 2016, I filled a dispute with Discover for XXXX XXXX, that I booked on XXXX XXXX, 2016. I was not allowed to get on the flight. I called allegiant customer service, after 45+ minuets of wait. I ended up calling Discover and explained them about the whole situation about not letting me board the flight. The customer service Rep. said he will go ahead and file a dispute once the transaction gets posted on the account. They filled the dispute. On XXXX XXXX, 2016, I was given my money back of {$220.00} along with the interest of {$0.00}. This transaction was final not temporary. On XXXX XXXX, 2016, I saw that Discover reposted that transaction for the amount of {$220.00}. Upon speaking with XXXX from customer resolution department, she said that XXXX said all sales are final. First of all, I did not miss my flight. If I was n't allowed to board the flight, how is it my fault? I had to get a bus from the XXXX airport to get a new flight to California from XXXX airport. On XXXX XXXX, I spoke with Allegiant customer service rep. I was told it is been over XXXX months and they wo n't be able to help me with anything. Discover did not represent me properly and took my money back without proper investigation. Discover can get a recording of the airport of XXXX XXXX, 2016. I was n't late. I got there on time. Due to Discover 's misrepresentation and lack of service, I am losing my {$220.00} for a service that I never used or was not allowed to used. I had to pay {$50.00} for the bus from XXXX to XXXX and then {$250.00} for the new flight. All in all, no one at customer resolution department of Discover is willing to help. They are reading the copy/paste policy of XXXX that says all sales are final. Discover did not even look at my particular situation. At last discover failed to perform their duty and represent me properly.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, i noticed these unauthorized inquires on my credit report and have suitable reason to believe that i may be a victim of identity theft. Please Correct this, In accordance with FCRA 15 U.S.C 1681 Section 604 A section 2 states that i have a right to privacy. 15 U.S.C 1681 Section 604 a Section 2 : also states a consumer reporting agency can not furnish an account with my written instruction. Please handle with haste these inquires that were not authorized by myself : XXXX XXXX : XX/XX/XXXX CITY BANK NA., : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the unauthorized inquiries listed below from my credit file. I am a victim of a data breach, and these inquiries were made without my authorization. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these unauthorized entries blocked and removed. 
The inquiries in question are as follows : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX