23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried on 2 separate days to get my annual credit report via the XXXX website from Experian specifically, but both days I received this response : " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report  Request form. 

Annual Credit Report Request Service XXXX. XXXX XXXX XXXX, GA XXXX " I tried 3 times both days - XX/XX/19 & XX/XX/19. A better error message is required for this to be useful. They are doing the bare minimum to provide these reports online, at least in my experience. 

Then, also on XX/XX/19, I tried the XXXX - XXXX phone option, as listed on Experian 's website for example : https : //www.experian.com/XXXX While going through the prompts, I was surprised to hear information provided to ME to confirm instead of me PROVIDING the information for verification. Notably, after being asked if I was calling from my home phone number, the address of my in-laws was provided for my confirmation to which I had to correct. Then, my in-law 's last name was provided for my confirmation, requiring me to correct again. Then a given name not associated with my in-laws was provided ( who knows where that one came from ... ), again corrected by me. It was at this point my SSN was requested and I thought for a while on whether this was a legitimate. 

The XXXX phone line needs work to not guess at and provide personal information - spoofing phone numbers is super easy these days, amiright spammers? Whatever database is backing that phone system hopefully isn't the same system backing my credit report, because some dude named XXXX <in-law 's surname> living at my in-law 's house probably has my SSN now.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Experian NEVER perform a real Investigation. Therefore, I have commenced the process of litigation in the federal court system... .. ... XXXX , To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached - to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system Case No. XXXX  XXXX XXXX in The Central District of Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Consumer credit report. Please delete ALL of the Following : 1 ) XXXX  Credit cards {$530.00} acct # XXXX 2 ) XXXX XXXX {$63.00} XXXX 3 ) XXXX XXXX XXXX {$370.00} acct XXXX 4 ) XXXX XXXX XXXX {$300.00} XXXX.. I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXXr old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card or prepaid card

I received an unsolicited / fraudulent credit card from USAA Savings Bank. I promptly destroyed the card and notified USAA Savings Bank. On XX/XX/XXXX I received a " Decision Made on Your Application '' notice from USAA Savings Bank indicating that my request for a USAA credit card had been declined because of multiple credit card applications recently submitted. I have never applied for a credit card from USAA. 

Since receiving the " Decision Made on Your Application '' I have received a billing statement dated XX/XX/XXXX and a billing statement dated XX/XX/XXXX requesting payment of {$14.00} for Fees Charged for expediting issuance of the credit card
Product: Checking or savings account

My Complaint is against XXXX XXXX going into my account and taking more that what I authorized them to take. I call them an address them will not give my money back said go to your bank. Very Rude and Unprofessional took my money when I am not working and had other bills coming out of my ACCOUNT
Product: Money transfer, virtual currency, or money service

I made a purchase for XXXX XXXX once with bank account which takes 5 to 7 days to clear the second charge for XXXX XXXX using my debit card linked to the same bank account the first one ended up being a NSF and coinbase credited my account anyways. so I spent both of the XXXX XXXX I purchased and only paid for 1. Ok so now coinbase disables my only options to pay this back I can not buy, sell, or withdraw. meanwhile they accept payment addressed to me and hold it for ransom. they have a support request that goes unanswered they have a support number which basically is someone who can do nothing but say they are sending your case to a specialist while holding your money in limbo. I want my money back asap they can take what I owe just give me my money .Attached are photos XXXXXXXXXXXX in reference to Case # XXXX =
Product: Credit reporting or other personal consumer reports

I am including XXXX and Experian in this complaint because I am receiving a similar response from all three credit reporting agencies for years now and have spent thousands trying to rectify their errors. 
On the XXXX of XXXX of 2023 I filed a complaint against XXXX with the CFPB because for the past 2+ years I have repeatedly disputed accounts that are incorrect, incomplete and or not mine along with documents showing that the information is inaccurate, incorrect and or not mine, including XXXX own admission that my information was compromised in XXXX recent data breach. This morning I call XXXX to inform them once again that the information they are reporting on my consumer file regarding all XXXX and/or XXXX, is inaccurate, incomplete and/or not mine. I requested that they send me the investigation results they obtained from the furnishings company verifying the disputed accounts are in fact verified as they claim. I was disheartened and disappointed to learn that not only did XXXX close my previous dispute with no reinvestigation leaving the disputed accounts still reporting but was also told that XXXX does not verify the account is accurate, complete and verified themselves but relies on the company that is paying XXXX to determine whether or not the information they are furnishing is verified. This has been going on for years and continues to damage my reputation and livelihood. I have sent XXXX proof that these accounts are inaccurate, incomplete and or are not mine in addition to the same account double reporting and reporting to other credible reporting agencies under a different name account information. XXXX continues to do nothing but claim they will respond and then sends an irrelevant automated letter in the mail. I have attached a copy of the proof sent by XXXX which clearly shows information that does not belong to me. These documents include a different name, different ID, different address, different phone, different email, different state and no signature and no mention of a loan with either company and shows a document that could easily be filled in online, printed and mailed by anyone. I asked the company for a copy of the loan and promissory note and neither were provided. XXXX, Experian and XXXX have failed to truly reinvestigate to insure the information being furnished by these companies is mine and accurate and complete. I am attaching a copy of the companys and Is correspondence in addition to the original complaint filed on the XXXX of XXXX, 2023. Additionally, I have repeatedly reached out to XXXX and have ONLY heard back from XXXX. XXXX and XXXX have no business with me and I do not owe them a dime. They are using information that does not belong to me in an attempt to verify these disputed accounts. Additionally they are reporting the same accounts, it would appear, 7-8 times on two of the three agencies and with inconsistent information across the board. How is this allowed, how is this VERIFIED of UPDATED?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX or XXXX, I had initiated a domestic wire transfer from my bank, XXXX XXXX XXXX XXXX to PNC Bank N.A . in the amount of {$54000.00} dollars. I supplied all of the necessary account details for the account at PNC Bank N.A.. Then the next day, I looked at my document, I see that I had provided the account number which was missing one digit, it was missing a zero in the last four numbers of the  account. I proceeded to go back to my bank to initiate the cancellation of the transfer. The XXXX XXXX XXXX XXXX initiated the first recall of wire request on XX/XX/XXXX. No followup response from PNC Bank N.A . so my bank sent another recall request on XX/XX/XXXX. In two weeks ' span of time, I have gone back and forth by phone and to my physical bank in XXXX, Massachusetts to get this sorted out and I am getting to the point of beyond frustration. I had confirmed with the account holder myself and advised that the money has NEVER arrived to her account. Therefore, I have also contacted PNC Help through XXXX which a woman by the name of XXXX is sending my request to resolve this to their Escalation Team. It shouldn't have to get this far already. It is ridiculous with the back and forth phone calls and aggravation of not getting a clear answer on when I was going to get my money back. There is NO reason why PNC Bank N.A . 's Wire Department did not process the recall request as it came to them from my bank TWICE. It is UNACCEPTABLE and makes me angry.
Product: Debt collection

A woman calling from 'Maury Cobb Attorney At Law ' at XXXX would not disclose the nature of the matter without me giving my date of birth. I did not offer any info. However, she did state my address and last XXXX digits of my social security number to try and get me to offer my date of birth. How she had that information is difficult to understand and of great concern. I told this woman that I have not received any notification by mail on any legal or debt matters. They may be trying to collect a student debt of a relative which was legally dismissed in bankruptcy. I was listed on that loan as a reference. That is my only theory on this. Nonetheless, I am not liable nor is my relative. An investigation is required.
Product: Credit reporting or other personal consumer reports

I checked the status of an old account and it stated that it will be on record until XX/XX/2024 but the on record date has been removed. I took a screen shot last year when it showed the On record Until date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Education Financial Services reporting to credit bureaus that my name is on the following account as a co-signer. This is not correct. I did not co-sign for this loan. 

Account number XXXX Wells Fargo Case Number ( for dispute I opened ) : XXXX Wells Fargo sent me a Fraud Packet to complete and return to them for further investigation. This packet includes their requirement to file a police report and send them a copy as well as a signed, notarized statement indicating that I would support the civil proceedings against the fraud perpetrator. 

I will not complete the Fraud Packet request. However, if I must, the police report will reflect the perpetrator as Wells Fargo Education Financial Services. 

I see in 2016, Wells Fargo Bank was held accountable for similar actions to the amount of {$3.00} XXXX in penalty.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I was scammed for {$19000.00}. I reached out to cashapp on the phone only to find later that this indeed was not cashapp. I was trying to access the XXXX I had on the app but could not because my phone somehow got a virus. While on the phone, I was instructed to download XXXX apps that would clear up the virus and help me move my money into my bank account. Once completed, I was asked to verify a series of codes. With each verification, the issue was still not being resolved. Unknown to me each code that was being sent was actually an amount being withdrawn from my bank. Although my screen was showing the downloaded app, the perpetrators somehow had remotely accessed my device and change the display on my phone to appear as if it was receiving and recognizing codes. Nevertheless, many of the transactions were declined by my bank only to be approved after numerous of attempts without my knowledge or consent. The scammers syphoned my money through my cashapp and from cashapp to someone elses bitcoin account through cashapp. Cashapp is a financial institution and based on the GLBA is responsible for assessing risk and ensure data is not compromised not to exclude high risk technology like the one used to access my data. I never shared any information other than my name and phone number. From then on, I was asked for a series of codes. Cashapp allowed money in large amounts to be moved from my account despite its sending inactivity for days and despite its abnormal amount. Cashapp also does have a number listed online but does not detail that this is their only one true number and many consumers probably have been duped by this other number. Cashapp has been slow in responding and has exceeded the legal amount of time based on Regulation E to give me a provisional credit. I have explained to them that I did not have access to my cashapp and shared with the numbers I called so they can do their own investigation. I have made an IC3 report with the FBI as well. I need my money. Obtaining a lawyer would be costly for both me and the company and Im hoping to resolve the issue soon without any major intervention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letter since XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and would like these items removed. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I was told that the loan would be forgiven due to my XXXX and the fact of the loan being over XXXX XXXX XXXX at the time the loan was only for XXXX. It is now about {$10000.00} due to interest charges that the company add to the forgiving loan each year.
Product: Checking or savings account

I live in XXXX OR On XX/XX/XXXX a Chase bank employee in North Carolina accessed the joint checking account I have with my husband and wired transferred {$8500.00} out of it without our permission. We filed a complaint the same day this occurred. On XXXX I spent time talking with 4 different people before I was told I was talking to the correct person that could handle the claim and was told the claim would be resolved in 5 business days. 
On XX/XX/XXXX a representative from my local XXXX OR branch called me and had someone from the claims department on the phone. the person in the claims department told me that they never received the complaint. They told me they would mail me a form, I would need to fill it out and then they would resolve the claim within 5 business days once they received the form. We did not receive the form until XX/XX/XXXX. On XX/XX/XXXX my husband and I went into our local branch filled out the affidavit and the banker faxed the form to the complaint department. Later that week I received a call from the chase escalation department that the claims department was waiting for my affidavit. she wanted my local banker to fax her all of the forms. I took all of the forms in but the escalation department waited 2 days to contact my bank and fax the information over to the claims department. 
I have jumped through every hoop that Chase has asked of me and as of today XX/XX/XXXX I still do NOT have my money. I also went through the process of freezing my husbands credit. we still do not know if the banker in North Carolina accessed our account by mistake, if it is identity fraud or if the banker intentionally removed the money from our account. 
the wire transfer went to an established Chase bank account in New York. That is all I know.
Product: Consumer Loan

We have a loan with Springleaf Financial Services Financial Services of XXXX Illiinois at XXXX XXXX XXXX of {$7500.00} at 22 %. The loan was to rehab our house in XXXX, IL. We requested an $ XXXX increase in the loan amount as the labor for the rehab is going to exceed our expectations. Springleaf proposed that they would refinance our car and give us {$2600.00}. We were not denied an increase, but we felt that we did not want to do that as the finance charged at Springleaf are greater than at our XXXX dealer. So, we withdrew out loan request with Springleaf. 

The issue is that we received a Statement of Credit Denial on XXXX XXXX, XXXX based upon a credit report from XXXX different credit agencies. Now our credit score will go down based upon this action, and we are trying to keep our credit up as we are still recovering from the loss of our business during the recent economic depression. 

We called Springleaf this morning ( XXXX XXXX, XXXX ) to tell them that they did not deny our credit, we choose not to accept it. They said there was nothing they could do. We would like this denial taken off our credit report. Thank you very much.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit.
Product: Mortgage

I am currently trying to get a title release on my mobile home. My mother deeded this property to me early XXXX. While trying to get a mortgage loan to consolidate, I ran across a lien being held on the doublewide I currently live in. This lien is thru the XXXX as being held by XXXX Bank of America XXXX. I have contacted the bank almost every day for the past two months. Bank of America is telling me that they have no records of title numbers, VIN numbers or of the loan number. After involving the XXXX office I was required to get authorization information. Since my mother has passed I had to wait until 60 days had past from her date of death to get heirship papers and Virginia XXXX XXXX XXXX XXXX documents. I have included those. 

To give a background and an explanation of the information I have sent I will start from when the property was first bought : My father XXXX XXXX XXXX and mother XXXX XXXX XXXX purchased this mobile home in XXXX and the first loan was at NationsBank paid in full XXXX. A certificate and Affidavit of Satisfaction was completed and recorded. ( I think this is where the title was not released and where the problems are rooting from. ) In XXXX of XXXX my parents divorced, attached in their settlement agreement XXXX ( mother ) was to receive as her sole property the double wide and the land. In XXXX XXXX my mother only went through NationsBank for her mortgage loan after the divorce. NationsBank sold out to Bank of America and took the loan over at some point. The loan was paid in full in XXXX. A Certificate of Satisfaction was completed and recorded. I also had the XXXX a record of what bank is holding the lien.
Product: Debt collection

Bill collector verified personal information including the last four of my social with someone that was not me by phone, not even the same gender, disclosing my debt. They did not disclose who they were and called numerous times over and over again on the same day. 
I called to speak with a manager who claimed she can not assist me without verifying my information today XX/XX/2020. 

Portfolio Recovery Manager XXXX XXXX XXXX
Product: Checking or savings account

Account had fraudulent activity and was reported on XX/XX/XXXX and a claim was entered. Account has been frozen ever since with the inability to access funds ( including accessing new deposits ( weekly payroll direct deposits ). Bank has frozen debit card and rejected automatic payments to creditors, bill payments etc. 

In addition, I was advised to open a new account by branch banker, and redirect direct deposit last Thursday. I opened a new account and made a transfer from a savings account from another bank to fund the account which has had now been frozen as well with the inability to access those funds as well. This process is causing me to have no access to any of my funds and miss payment obligations and incurr additional fees due to returned payments and late fees!