23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that you, [ Name of Credit Reporting Agency ] , block information appearing on my credit report that is the result of identity theft and fraud. 
Details of Fraudulent Activity : The fraudulent information includes : A personal credit card account opened at XXXX on XXXX under account number XXXX Attached Documentation : I have attached a list of the hard inquiries in question. 
I have attached a copy of my credit report maintained by you which shows the aforementioned fraudulent items. 
Identity Theft Verification : I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) with Case Number XXXX. A copy of the report is attached as proof of identity theft. 
Demand for Relief : I request that you, Experian, block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ).

Contact Information : Please send all written confirmation regarding this CFPB complaint to my email address : XXXX XXXX
Product: Student loan

I have recently contacted the schools and the loan servicers in reguards to my student loans. I have received student loans from the schools in an attempt to persue a XXXX career, XXXX is the school which I was going to in the beginning and I was told I no longer qualified so I went to XXXX XXXX College who allowed me to go a semester and discharged me telling me I did n't meet the criteria. I then went to XXXX XXXX College where they told me after a less then a half semester that they were n't able to identify my records from lone star college. Upon starting school at XXXX XXXX College I received a diploma from a school which I was under the impression was an accredited high school which I later found out was not. XXXX XXXX nor any of the other schools verified this information and I feel as though I should have the loans forgiven or discharged since none of them schools verified the information and I was falsely certified your eligibility to receive the loan based on your ability to benefit from its training, and you did not meet the ability to benefit student eligibility requirements. I have since finding out the information contacted the loan servicer since unable to get any assistance from the college with no response to getting this matter resolved., The loans were originally with XXXX XXXX and have since been transferred to Nelnet .
Product: Credit reporting or other personal consumer reports

I have opt-out from third party bureaus and my credit history has still using third party information
Product: Credit reporting or other personal consumer reports

On my XXXX credit card statement there was a charge from XXXX for {$120.00}. I had only had this card since XXXX and I paid it off every month so there was XXXX balance. I called to ask about the charge for XXXX on the XXXX bill, and they said there was a glitch in their system and it should come off on its own. I paid what I had actually owed, which was {$180.00}, and the remaining {$120.00} I was instructed not to pay because of the glitch. Ive called back every few weeks and at first they kept telling me that it takes a few weeks for it to correct itself. They told me to wait and not to pay it. Then it hit my credit report. Every time I call they hang up on me. Each time they say yes I can see what youre saying, Im so sorry, yes dont pay it, Ill transfer you and then they disconnect me. The last 3 times Ive called they now say its fraud because they wont even tell me what was purchased or could provide an invoice of what was purchased. I know it wasnt me that made the purchase because I pay it off every month, I only had it for 4 months, and it is very clear and obvious that there is a charge from XXXX in the XXXX bill. I have reported this company to the XXXX I will try and call back the XXXX credit card people again but this company/bank should not be allowed to do this to people. They are horrible company.
Product: Prepaid card

Today I received a deposit from my unemployment that has yet to show on my account. 7 days ago on Tuesday at XXXX I tried to buy some food from XXXX it got declined due to my zip code having changed. They charged me twice and told me it was actually my card company, I called my card company every day for the past 7 business days just for them to lie to me, run me around in circles and hang the phone up on me multiple times when I ask for someone higher up. They tried to say I had a negative balance when it's an unemployment card and I've never went negative a day in my life. They then blamed the merchant, when I got the letter they claimed I needed from the merchant they then changed it and said oh they need to fax it to us it cant come from you. They constantly change the time I have to wait for my money to get back to my card and tried to tell me i couldn't count. Now today is day XXXX it's XXXX and my money still hasn't came back, and they keep putting me on hour long holds to keep me from getting answers. I'm truly convinced they are stealing peoples money and not training anyone for real. Because everyone, supervisors and employees have lied to me in the last 7 days and told me everything but a solution. They in total owe me {$170.00}, that's including my refund from XXXX and my deposit from unemployment.
Product: Checking or savings account

It is regarding my claim number XXXX I lost my debit card snd PIN was stolen, three were two unauthorized charged on my checking account. I called in BofA and reported the incidents immediately. I also reported to the police. 

BofA denied my claim for unacceptable reasons, and they unfollowed and totally against the Federal Laws, which I have my right under the Fair Credit Billing Act and protected by the Consumer Credit Protection Act of 1968 too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit report attributed to me ( my credit report ) from XXXX and XXXX. The gross errors are alarming together with the facts that I am falsely accused of an address I never had ; a bank account at a bank I never had an account ; a spouse listed which I never had ; a middle initial I never had ; a similar name to mine which belongs to someone else and has the same middle initial but a different middle name ; and the list goes on. It keeps listing a student loan outstanding. I never, ever even had a student loan or used one. And the list goes on.
Product: Credit card or prepaid card

On XX/XX/2023 I scheduled a payment with Wells Fargo to go through on XXXX/XXXX/3023. I received a conformation number of XXXX for that payment. On XX/XX/2023 I discovered the payment never went through and was being charged late fees and interest on it. I contacted Wells Fargo on XX/XX/2023 and informed them about it and they said they would look into it. They told me it would take XXXX to XXXX business days and would continue to gain interest during that time unless I paid in full plus the fees. I told them I had the confirmation for the payment from them and they still said I had to pay the fees. I confirmed with my XXXX XXXX  that Wells Fargo never attempted to withdraw the {$840.00} payment from my account. My XXXX XXXX  also stated that the full funds were available and they would have no reason not to make the payment if Wells Fargo attempted. I had to pay the full amount plus fees and interest to avoid more interest during there review. They stated that I may receive a refund if they decide it was on them and not my fault.
Product: Checking or savings account

I have been trying to reach the claims/ fraud department for over 5 business days with no luck. I have fraud claims that were denied. I have tried to appeal said denials with no luck. I was told to contact fraud department by, however, I was not able to connect due to long hold times in excess of 1 hour. Today I was told that the correct department is claims which is only opened XXXX XXXX hours. Not being able to get a resolution I asked Bank of America reps what regulatory agency I could complain too and was told none, just their corporate office. Bank of America is breaking the law by stating that they are not regulated by any outside agency such as the CFPB. They are making it difficult for me to speak to claims and the purposely lie. I have filed a complaint with Bank of America, however, I dont believe anything will be looked into. Their staff is ill trained, lies. Anyone that has access to my account and can speak to me about met account needs to be trained in the laws associated with my account. For them to tell me they are not regulated by any federal agency means they are being malicious. They need rot be fined. I need my claim matter dealt with hold times of XXXX hour + are not acceptable. Them breaking the law is not acceptable.
Product: Debt collection

Equifax, XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, and XXXX have refused to delete all items to unauthorized accounts due to Equifax XXXX breach. I have submitted a FTC and XXXX XXXX report due to recently finding out that I was a victim of several data breaches, Equifax just being XXXX of the most wide spread of affected. Equifax, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX has deleted accounts and proceeded to verify accounts and debt parks unveried accounts on my credit report. These companies have harm me by violating and willingly have been non compliant of the 605b rule to delete all accounts in 4 days. They have not provided any information from the creditors about the description of method in which they verified their investigation. I know that there process is a systems of information in which just matches data. That is not a reasonable method to gather information. The law states that I have the right to have a accurate reinvestigation I have had 5 with the same results. This is my notice of lawsuit according to defamation of character with the willful negligence that has harm my emotional and financial well being. Enough is enough with the disregard for the laws that their company has agreed to abide by. I demand swift attention for I have dealt with the lack of regard for two years. All documents will be attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX XXXX/ XXXX XXXX have REPEATEDLY removed and reinserted inaccurate information about the Self Visa Credit Card account. Transunion is very arrogant about it. On XXXX I petitioned the XXXX XXXX XXXX XXXX to file suit against Transunion. I sent notice to Transunion. I did not, however, file suit against XXXX XXXX XXXX XXXX XXXX they sent me documentation that they were trying to get it removed. But this has been a sham of epic proportions. Because Transunion keeps getting the late payment verified as accurate. At this point I want justice. I will be suing XXXX XXXX XXXX XXXX Bank as well. I have tried for months to avoid this scenario. It was for nothing. These companies don't respect us as people despite the fact that they only exist because they sell human information. Imagine depending on someone for survival and convincing that same person that you depend on that they are merely in your way.
Product: Credit card

I was charged {$1100.00} by XXXX XXXX. I saw this charge and did not complete it. I went to look for my card and I could not find it. I filed a dispute with Upgrade and they denied it. This is not my charge. I refuse to pay for it.
Product: Debt collection

This is an account that my ex-husband racked up. He was supposed to pay this and did n't. Now, my current husband and I are applying for a mortgage. My husband is willing to pay this off but needs to have it removed from the credit report. They said they wo n't do that and that I can request the credit bureau to do that ( false ). 
While on the phone with them, they repeatedly tried to get information out of my husband ( name, address, etc. ). They threatened to keep calling until the debt was paid and the person was very rude. She had a very bad attitude. In my opinion, I should n't be treated like that if I am trying to pay the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victum of ID Theft. I have been working with the 3 Burials. Only XXXX has corrected my profile and removed the fraudulent accounts open bay the thieves. 

I was informed by Transunion and XXXX that any and all corrections / removals to my credit profiles was at the of the creditors regardless that the XXXX deceives and police found that the account where indeed fraud and that ID Theft is in fact case in connection with my profile/ss #. 

Im on the verge of losing my business due to this fraud. My company was closed by NY state due to Corona and SBA has denied my loan because of the fraud making my scores low. 

XXXX and Transunion are not following the law.
Product: Checking or savings account

I recently opened an XXXX XXXX account and when moving about {$990.00} over to another bank account it locked and then after an hour over the phone with them I got it unlocked. When I asked the lady if I could transfer the money over again she said I could and then a day later it locked again. I don't have access to my account now and the money hasn't been transferred to my main bank account so I have no idea where my money is as the balance now shows {$0.00} and Im tired of spending a second more on the phone with them. Every time I talk to support through text all they do is tell me to call. I don't know if you all can help me with this but Id really appreciate it.
Product: Credit reporting

Four complaints:1. While requesting XXXX my annual reports, the internet went to a " XXXX '' for the reporting agency XXXX TransUnion XXXX, then a error message appeared saying that the secure site could not be reached. This also happened a few months ago during a request XXXX. Because the online service was not producing my report, I decided to contact XXXX, using their posted " contact us '' form. 

2. I tried to contact AnnualCreditReport.com by using both their " contact us '' form and by phone. Even though I completed the " contact us '' form, it repeatedly posted a message that there was a problem in the " tell us more about what happened '' comment field, and that I 'd have to correct the error ; however, there were no instructions as to what the error was or how to correct it. 

3. After getting no results through the " contact us '' form, I tried contacting XXXX by the posted phone number : XXXX ( which is the same number that Consumer Financial Protection Bureau gave me to contact XXXX XXXX. That phone number ( XXXX ) provides only a repeating message and no live person to help troubleshoot the online problems with their website. 

4. I 'm quite concerned that the XXXX website is phishing! It certainly is acting like it is! and I do not need my identity jeopardized!
Product: Credit reporting or other personal consumer reports

These finance institutions ran my credit without my consent which is fraudulent. 
Here is the list : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXI did not give these companies permission to run my credit so please remove inquiry or show proof I authorized it.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Texas XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XX/XX/XXXX D.C. XXXX Re : Dispute of Written-Off Debt Case Number : N/A Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute a written-off debt that is being reported under my name. The debt in question is associated with account number XXXX and was reportedly written off by XXXX XXXX XXXX XXXX XXXX as a bad debt. 

I dispute the validity of this debt for the following reasons : incorrect balance, payments made, fraudulent charges I communicated with the company and made payment arrangements to take care amount but unfortunately was written off. 

This account is being reported inaccurately, and as a result, it is negatively impacting my credit report. I have already attempted to resolve this matter directly with XXXX XXXX, but the issue remains unresolved. I am requesting that you investigate this matter and work with the creditor to correct the information in my credit report. 

I request that the information be corrected or removed from my credit file as soon as possible. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate the dispute and respond within 30 days. 

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

Sincerely, XXXX XXXX
Product: Checking or savings account

I tried to send money to my bank from my cash app checking. It failed all day. Their support blamed it on my other bank. I worked with both banks. Eventually I figured out that the published limit of XXXX was incorrect. I was trying to move XXXX. It allowed me to move smaller amounts with more fees. So that one transaction they took much more fees. They were unhelpfuland they would not let me speak to any higher supervisor or other support. They are violating their own published documents and information and misleading customers
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my consumer report. It has come to my attention that your agency is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role in assembling and evaluating consumer credit information as stipulated in 15 U.S.C. 1681 ( a ) ( 3 ). 
Furthermore, I am aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under 15 U.S.C. 1681b requires that you must have either court jurisdiction or a handwritten letter from me giving you permissible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy. 
Additionally, as a financial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to 15 U.S.C. 6801 ( a ), which states that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Moreover, I demand that your agency immediately cease and desist all illegal activities and all mediums of communication related to the collection of this alleged debt. Your persistent attempts to contact me at inconvenient times have caused significant disruption and damages, affecting my business hours of operation. I am fully aware that a medium of communication also includes my consumer report, and I demand the deletion of the account reported on my consumer report. 
I demand that your agency promptly investigate this matter and remove the inaccurate information from my consumer report. Please provide me with a written response detailing the actions you have taken to rectify this situation within 30 days of receipt of this letter. 
Failure to comply with these demands will leave me no choice but to pursue all available legal remedies to protect my rights and seek compensation for the damages caused by your actions.
Product: Debt collection

I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus and have not responded to me yet within the XXXX day time period.
Product: Debt collection

I ended my business with my wifi provider previous to moving to my new address. I was told that it would cost quite a bit to have their employee come to my apartment to pick it up but I had the option of mailing it in myself. I bubble wrapped it in perfect condition and sent it to the instructed address. It was returned with the explanation that no one ever showed up to the business to receive the package. I called the company that claimed they did n't have that branch 's number. They only do face to face business. What? So I had to call the post office and it was a big mess because I 'd paid to have it sent and no one would show up. I ended up getting it sent back to me. I complained to the XXXX and then a rep from XXXX contacted me through email, which I 've kept. She said she 'd send me a box with the address and I 'd just have to put the router or modem ... whatever that machine was, back in the box and put the sticker on it and send it in. I did. I have since received XXXX more bills for {$120.00} on a router I DO N'T HAVE. This last one is commanding me to " CONTACT US NOW. ''
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I went to la nacional at XXXX XXXX XXXX and paid XXXX, {$120.00} to be sent to XXXX XXXX in american money, {$6.00} for this service. In XXXX XXXX they gave the person dominican money. This is the second time this fraud is committed. They charge {$6.00} extra for american money to be given in XXXX XXXX and then they give dominican money in XXXX XXXX. This is ludicrous! I want my {$6.00} returned. They refused to refund me my money. La nacional is a rip off
Product: Checking or savings account

On XXXX XXXX i disco ered that my EX husband has opened an account with my name on it. At thetime i recived a document ti fill out and cloae my account. I completed the forms made myself copies and mailed the documents. Today XXXX i called Navy Federal and they told me i couldnt remove myself from this account because... i wasnt the owner of the account, his account was locked, that i hadnt sent in the forms, that i sent inthe wrong forms, and what ever other excusethey could come up with to hang up on me
Product: Checking or savings account

I have been with Wells Fargo for Three & Half years. I been depositing my payroll check for XXXX and half years. Always getting half of my money. So I mentioned it and they will tell me difference answer. If they would havelook and see how many deposits were made then, they would see the checks was consistent. So I chose to put all of my checks in another bank and it doesn't matter if it's the weekend or whatever. I get all of my money, and my XXXX deposit comes XXXX days early. I had mentioned this to teller that I was changing banks, they didn't care. This's my complaint.