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

I am not satisfied with the resolution to my dispute. I am a new and young customer with Wells Fargo. I do not think they should deal with XXXX for many reasons. It is not a reputable company and there is no fraud protection at all. I understand that you should never send money to someone you don't know but I believe as big as Wells Fargo is and as long as they have been around that they would be able to protect their customers. I did use XXXX and thought the transaction went through however Wells Fargo posted this transaction twice. I am very dissatisfied with the results of my first complaint and I believe that the resolution was honestly a bit juvenile. I had already gotten my refund from Overdraft when I myself called the bank. I believe I deserve to be refunded one charge of the {$70.00} transfer to XXXX. I do NOT think that is asking much. I have learned my lesson and will never use this function again but I believe that Wells Fargo should have some protection for their customers.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I have made previous attempts to fix these issues directly with them and they are violating my rights and I'm entitled to some type compensation for every violation I listed, they should delete these accounts or provide compensation.
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C. 1681a ( 2 ), certain information is explicitly excluded from the definition of a consumer report. These exclusions are critical as they ensure that not all information about an individual can be freely shared or used for adverse decisions without proper consideration of the individuals rights.
Product: Credit card

On XXXX/XXXX/2015 I received a telephone call from Barclay Card XXXX. They advised me by voicemail that they wanted to verify my information for a recent credit card application. They provided me with an identifying number : XXXX and a return telephone # XXXX. I have never applied to Barclay Card for a credit card. I telephoned Barclay Card and was put in touch with a security consultant. She asked for my identifying number. I gave her the number. She returned to the line and asked me for my DOB and SSN. I told her that since she had pulled up my information, she could tell me the information and I would verify if was me. She stated she could not do that. I asked to speak to a supervisor. Another female got on the telephone and basically re- invented the wheel. She told me the same information. At this point I hung up. I went into XXXX XXXX and saw that a hard credit inquiry had posted on my credit history. Earlier this year, person XXXX XXXX ) unknown had attempted to get a federal tax refund by filing a false tax return using my tax information and the IRS and FTC indicated this was an attempt at identity theft. I woul appreciate help in getting this removed from my credit report. Again, I have never applied for a Barclay Card credit card.
Product: Debt collection

on  XXXX   XXXX     2017  i send a certified letter  to DIVERSIFIED ADJUSTMENT whi ch was received to them on  XXXX   XXXX ,  2017  to validate the account that they put on my credit report. i week later i received a big itemized package with amount that i owed and a signature that supposed to be mine .under the fair credit act law FDCPA sectio n 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ) the creditor has 30 days to provide me with a contract bearing my signature and also contacting the credit bureaus to add a sentence to your credit report WITHIN 30 CALENDAR DAYS that says you h ave disputed the negative item on  XXXX   XXXX ,    2017  i pulled my credit report way over the 30 days required and they did n't add it to my report and should be removed
Product: Debt collection

XX/XX/2017 While looking over my recent credit report, I noticed that XXXX XXXX XXXX located at : XXXX XXXX XXXX # XXXX XXXX, NJ XXXX ( XXXX ) XXXX is reporting a collection account on my credit file in the amount of {$91.00}, yet they are not registered with the State of Delaware 's Division of Corporations to collect on a debt in Delaware.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Original creditor : tried disputing this with Experian and XXXX. I filed lawsuit against XXXX, Driver Time, and XXXX and settled this debt with an attorney XX/XX/2022 yet still appears on credit report and on XX/XX/2022 XXXX attempted to sieze property and XXXX a XXXX party attempted to call and harass me about the property. I was unable to get information from XXXX when I called they said debt written off XX/XX/2022. I have been disputing this with Experian and XXXX but they have failed to update balance with settled amount or pays as agreed status. As a result this has caused continued harm to credit reputation.
Product: Student loan

i attended XXXX in XXXX, and used Genesis loan services, and would like to know if my loan was part of the XXXX settlement dispute,
Product: Credit card

I have traveled twice as much as I have in the last two years this year and received half the points. when I go back to review any of the details of my travel arrangements, Im unable to determine whether the amount of miles of the initial flight reflec the same as they were when I purchased the ticket ( s ). 
currently when I purchase a ticket, none of the mileage is on the ticket or how much XXXX mileage I will get with every purchase that I make, including bonus miles,. Therefore, XXXX XXXX is engaging in a deceptive practice by not accurately disclosing, the mileage per segment and the mileage per total per the reward program given the status of the purchaser. Without disclosing the correct amount at the time of purchase, no consumer could accurately reconcile the amount of miles. Theres to receive at the end of a month or a year or whatever timeframe. I further believe that XXXX XXXX is engaging in deceptive practices by just reducing the amount of miles they advertised as bonus miles for every purchase. It used to be at least 7 miles/ dollar or seven loyalty points per dollar spent or miles traveled now its only 5 total.
Product: Credit reporting or other personal consumer reports

no knowledge of this account not mine, see attached idenity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint to chexsystems. Chexsystems removed the XXXX XXXX   account that didnt belong to me but then added three additional accounts to my file that doesnt belong to me. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX The accounts listed doesnt match my social security or drivers license. I called to inform them and the refused to listen and spoke to me very rudely and condescending.
Product: Credit reporting or other personal consumer reports

" In accordance with the Fair Credit Reporting Act this creditor ( Capital One ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the fraudulent items on my account. This letter marks the several attempt to address and rectify this issue, and I am deeply frustrated that it has yet to be resolved. 

Despite multiple assurances and promises of prompt resolution, the fraudulent charges remain on my account, causing significant financial and emotional distress. As a loyal customer, I expect better service and immediate action to rectify this matter. 

I have diligently followed all procedures outlined by your company, including contacting your customer service department, submitting dispute forms, and providing any requested documentation. However, despite my efforts, the fraudulent charges persist, and I am left feeling helpless and frustrated. 

I urge you to prioritize this matter and take swift and decisive action to remove all fraudulent items from my account. Additionally, I request regular updates on the progress made towards resolving this issue and a clear timeline for when I can expect the matter to be fully resolved. 

Failure to address this matter promptly and effectively will leave me with no choice but to escalate my concerns to relevant authorities and explore legal options to protect my rights as a consumer. 

I appreciate your immediate attention to this matter and anticipate a satisfactory resolution without further delay. With this, I am asking for your assisstance to remove these fraud items in my credit file : Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance XXXX {$3100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$3100.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

Inquiry Not Included In Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion Credit Score : XXXX *No Inaccurate Personal Information* New Late Open : XXXX XXXX Balance : {$16000.00} Charge off : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} Inquiry Included In Dispute : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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 XXXX XX/XX/XXXX.
Product: Credit card

I opened Chase Sapphire Preferred credit card in Chase branch on XX/XX/year>. At that time, one of the welcome offers was {$300.00} travel credits, but I didnt see the offer in my account. I called Chase customer service, which told me the banker made a mistake didnt add the offer in my account, but no one can do anything for me. Chase was not able to fix or add anything to my account. I was shocked that I was told to have to take it as its, but no solution. It appears a scam, not really try to help customers, but using welcoming bonus to attract people open new accounts, but reject to provide any help once you open the credit card.
Product: Bank account or service

The numerous lawsuits, federal mandates, and horror stories from customers unable to feed and clothe their children has not stopped PNC from unethical accounting practices that maximize their fee collections. I was giving PNC one last chance in the first quarter of 2015 to prove to me like their representative said that they have changed their practices. However, I ran into an issue with my paypal account which resulted in a number of fees. But this was n't even the start - they have gone so far as to execute unauthorized transfers from one account to another without my knowledge that caused over {$200.00} in fees just in this month of XXXX. Each fee is {$36.00}, with an additional {$7.00} a day each day that the account is in the red. From XX/XX/XXXX, I have deposited over {$40000.00} to them, which under many circumstances would make me a relatively valued client. All they seem to see is an easier chance to move money around from account to account without the client noticing. From the XX/XX/2015 until XX/XX/XXXX, I have paid {$2400.00} in fees alone. Thankfully I am blessed and have a well paying job, but there are alot of people out there whose children would n't be able to eat. This has gotten to the point where I am struggling financially now because of their deceptive practices. I would like for the vast majority of fees to be returned, and then for myself and a PNC advisor to sit down and figure out what we can put in place to eliminate all future fees. If this can not be done, I will unfortunately have to cut my 6 year tie with PNC and move on. But it is blatantly obvious what they are doing is wrong, but the fee revenue far outweighs the puny court mandated fees. The system is flawed and attention must be brought on this subject. PNC is a catalyst to Poverty. How can you just take almost {$2500.00} of some ones hard earned money?? Bottom line is that they have used unethical practices to maximize their fees. I have bank statements that show each move and have identified each unlawful fee.
Product: Debt collection

Dear Consumer Financial Protection Bureau, Subject : Formal Dispute Regarding Midland Credit and XXXX Accounts I am writing to formally dispute inaccuracies regarding two accounts listed on my credit reports. Specifically : Midland Credit - Account Number : XXXX XXXX - Account Number : XXXX These accounts are reporting information that is negatively impacting my credit profile. Below are the specific issues : Incorrect Amounts : Both Midland Credit and XXXX are attempting to collect debts that do not match the actual amounts owed. 

Re-Aging of Accounts : These accounts appear to have been re-aged, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Inconsistent Reporting : The three credit bureaus are reporting different activity dates and varying numbers of late payments for these accounts. 

Status Misrepresentation : Both accounts are improperly reported as open collections/charge-offs, which is not accurate. 

I have already reached out to all three credit bureaus and both Midland Credit and XXXX via phone and mail to address these discrepancies. Unfortunately, the inaccuracies persist, and I am requesting that these accounts be thoroughly investigated and deleted from my credit reports due to their non-compliance with the FCRA. 

Enclosed, you will find : Copies of my credit reports from XXXX, XXXX, and XXXX highlighting the discrepancies. 

I kindly ask that the CFPB intervene to ensure these issues are resolved promptly and in compliance with federal regulations. If further information or documentation is required, please do not hesitate to contact me. 

Thank you for your attention to this matter. I look forward to your swift resolution of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment : {$14000.00} as of XX/XX/XXXX Account closed : XX/XX/XXXX Account open : XX/XX/XXXX Status : XXXX Closed In accordance with the fair Credit reporting Act this company and all three credit agencies violated my rights under 15 USC 1681 section 602 state I have the right to privacy ( 15 USC 1681 ( Section 604 a section 2 : ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. But as you can see in the documents I was never late. I made my payments on time and had and card on file making auto payments.There may have been an billing error. The information that's reporting is not 100 % accurate. I want to reinvestigate this issue immediately under 15 USC 1681i ( a ) ( 1 ) ( A ), 15 USC 1681 ( 5 ) ( i ) ( ii ). EXPERIAN IS REPORTING ILLEGAL INFORMATION THAT IS NOT VALID OR ACCURATE. INFORMATION NEEDS TO BE UPDATED. I WANT THE INVALID LATE PAYMENTS FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. THE LATE PAYMENTS ARE NOT VALIDATED OR ACCURATE.
Product: Debt collection

XXXX XXXX {$180.00}. I called and ask to verify was talk to very rude and gave the run around about the debt. No one could tell me any info
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed serval inaccuracies and unauthorized accounts/information reporting my to credit report. These remarks have been detrimental to my life and credit health.
Product: Student loan

I am enrolled in the PSLF program, as I am a XXXX XXXX. The PSFL has been approved and I have dates on employment that range XXXX years at the same qualifying XXXX 

The PSFL promises repayment of loans after 10 years/120 payments. I have made 12 years of qualifying payments. In addition, 3 years during COVID provisions should have been counted as well. 

I contacted Mohela, my loan service provider, when my federal loans were transferred to this agency to ensure my payment and PSFL dates were correct. 

The only way to communicate with this agency is to message them on their website. My first communication was responded to promptly and my employment was verified. The second message, asking for clarification as to why my loans were not yet forgiven was not responded to in over 1 month. The response was not an answer to my question. 

However, a month or so later, I got a letter stating some of my loans were forgiven. I am thankful for this. Unfortunately, these loans originated after other loans on my account which should have also been forgiven. Correspondence regarding this has not been addressed by Mohela. My response stated that payments were not counted towards my loan due to deferment. My loans were indeed in deferment while I was in my XXXXXXXX XXXX  beginning in XXXX. However, payments before that time were not accounted for correctly and my COVID relief credit was not applied either. Mohela is stating I only made XXXX payments toward the XXXX when in fact, I made over XXXX payments, not including the XXXX that should have been reflected during COVID provisions. 

There are XXXX loans from XXXX : {$9000.00}, {$6200.00}, {$22000.00}, and {$9300.00}. 
This is {$46000.00} that should have been forgiven. I am still being charged interest on this amount and being asked to make payments. This, I believe, is fraudulent and immoral. I am requesting help to get my loans forgiven, as outlined in the federal guidelines dictated in the PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2019 N/A I never authorized these inquiries. 

From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XX/XX/XXXXACCOUNT # : XXXX ACCOUNT NAME : DEPT OF EDUCATION/XX/XX/XXXX ACCOUNT # : XXXX ACCOUNT NAME : XX/XX/XXXX ACCOUNT # XXXX ACCOUNT NAME : XX/XX/XXXX ACCOUNT # XXXX
Product: Credit reporting

I have been in constant contact with Experian about these accounts listed below and when i send in a dispute telling them to correct certain errors they tell me that they will not investigate because they do not have to. The errors were clear as day but they refused to help me. Here are the accounts that i disputed previously to where i was denied to dispute any issue with the account after sending in new reasons for the dispute after the asked me too and i was still denied to dispute with them. So now these inaccurate accounts make me look bad and its not my fault. 
XXXX
Product: Vehicle loan or lease

At the time that I applied for the car loan I was gainfully employed how ever I became totally XXXX and was unable to work due to my XXXX  reach out to ExeterFinance to come up with a plan they told me they would get back to me and the next communication was a letter stating that they had written it off then sold the account to another person or bank
Product: Debt collection

XXXX XXXX XXXX sent me a letter dated XX/XX/2021 stating they were a debt collector for XXXX. I sent them a cease and desist letter XX/XX/2021 certified mail XXXX XXXX XXXX XXXX XXXX which was delivered to them on XX/XX/2021. I received an inappropriate response from them dated XX/XX/2021 stating that they were verifying this account at my request. On XX/XX/2021 I received a Debt Citation that they filed on XX/XX/2021 in the JP Court of XXXX XXXX TX. They are in violation of the Fair Debt Collection Practices Act 805 ( ceasing communication ). They never advised me that they would cease collections, that that might take remedies or that they were taking remedies. I am sending them a letter advising that if they don't dismiss the suit, I will counter sue them for their violation of the Fair Debt Collection Practices Act.