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

My identity has been seriously compromised and it has effective me and my credit ability in ways un imaginable, The following accounts are very haunting and I'm requesting that these accounts be thoroughly investigated, and that I be provided with the details and Method used. I would like to know what all certified documents used and inwhom conducted the investigation, their title, day, time and inwhom did they speak with, what physical documentation reviewed and what all documents sent to the consumer as proof of these accounts. These are the following accounts being disputed, ( # 1 ) XXXX/XXXX XXXX XXXX {$31000.00}, ( # 2 ) XXXX XXXX  {$0.00}, ( # 3 ) XXXX XXXX XXXX {$0.00}, ( # 4 ) XXXX XXXX {$0.00}, ( # 5 ) XXXX XXXX, ( # 6 ) XXXX XXXX XXXX {$0.00}, ( # 7 ) XXXX XXXX   {$4100.00}, ( # 8 ) XXXX XXXX XXXX {$1200.00}, ( # 9 ) XXXX XXXX   {$0.00}, ( # 10 ) XXXX XXXX {$870.00}, please remove these accounts.
Product: Debt collection

I sent a letter out on XX/XX/ to XXXX, XXXX, and Equifax. However the credit bureaus said the completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?
Product: Student loan

This complaint is about : XXXX XXXX XXXX University, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX This totally for profit school promises job placement and does absolutely nothing. 
When I got out of this school, I had a debt of over {$36000.00} and no job placement help. 
The loan was financed through XXXX XXXX Student loan. I feel I ended up with a payoff amount of almost {$30000.00} even after paying them monthly for 5 years! 
Please investigate this academy and the loan servicer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I received an email from Discover Bank stating if I didn't contact them by XXXX ET that {$4000.00} would be wire transferred out of my savings account. Thinking it was a scam I didn't call the phone number on the email, instead I looked up their number on the Discover Bank website. 

I was informed at that time ( before XXXX ET ) that there was indeed a {$4000.00} wire transfer request. After several security questions Discover realized I was in fact the owner of the savings account. They stated that they would stop the wire transfer. I was given a new Savings account number and my savings balance was transferred to the new account. Apparently, around the same time, the scammer was also on a call to Discover, I guess verifying the transfer. 

I took action and put a security freeze and fraud alert on all the credit agencies. 

On XX/XX/XXXX, I found out the transfer was made when I checked the Discover Bank website and noticed my account was missing {$4000.00} ( {$30.00} transfer fee ). I talked to the Discover Bank fraud department ( " XXXX '' ) on XX/XX/XXXX. I was told by someone at Discover that the {$4000.00} would be back in my account within 7 to 10 days. 

I reviewed a new credit report and the scammer 's address was now on my credit report. 

I emailed, called-left a message, and emailed again the XXXX XXXX Police Department. No response as yet. 

During this time ( XX/XX/XXXX - XX/XX/XXXX ) I've received several emails and phone calls from Discover only to realize the scammer is still in contact with Discover and the scammer has been able to change passwords and change security answers. She was also able to change my new verbal password! No one was supposed to get through if they were unable to provide the verbal password and the scammer was able to change it!!!! 

I checked my savings account online everyday. When the time had passed I called again and they said it just takes time. 

Kept checking my account, no changes, called back several more times. On or about XX/XX/XXXX the Discover rep said it takes time, they are waiting for a response from the bank recipient. While the representative wasn't exactly rude, his tone and things he said made me feel that I may never get the money back. 

I talked to the Discover Bank fraud department rep " XXXX '' today ( XX/XX/2019 ) and was told that the {$4000.00} wire transfer was not covered, basically telling me I may never see that money again. 

I called XXXX XXXX 's consumer team and they referred me to the State Banking Authority and a message referred me to Consumer Finance. 

While not mentioned above, I will also be filing a complaint against Discover Card as my credit account was also compromised. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

*In XX/XX/XXXX I noticed an " ACCOUNT VERIFIED AS ACCURATE '' with an ( NON UPDATED ) DATE OF XX/XX/XXXX on a TRANSUNION CREDIT REPORT ISSUE DATE OF XX/XX/XXXX. 
* Inquired/sent letter with RETURN RECEIPT DATED XX/XX/XXXX *REceived RETURN RECEIPT back from TRANSUNION DATED XX/XX/XXXX * RECEIVED TRANSUNION response as ( VERIFIED AS ACCURATE ) ** ACTION WAS TAKEN BY TRANSUNION ** to  update error to updated date of XX/XX/XXXX from current report of XX/XX/XXXX TRANSUNION REPORT ) AND I HAVE READ THAT THIS ERROR OF NON UPDATED ( DATE ) IS A VIOLATION and INACCURACIES SHOULDBE INVESTIGATED AND NOT SIMPLY UPDATED BY XXXX XXXX STANDARDS.
Product: Checking or savings account

I have XXXX buisness bank checking accounts with XXXX Bank. XXXX received a letter from an attorney requesting to freeze the account, XXXX Bank did honor that request, XXXX provided me no notification via phone or mail about this. I only learned when I tried to access my account. They froze the account for XXXX  times the amount in the attorney letter. 
XXXX Bank phone and branch representatives refused to provide me with the contact information for someone in their legal department other then saying " The Legal department has no phone number and doesn't speak to consumers directly ''. I went to court XXXX XXXX Supreme Court and got an order to show cause signed by a judge " staying '' the default judgement and ordering the release of the bank account. XXXX bank still once being provided refused to release the funds. They held my account XXXX for over XXXX weeks after the judges ruling, I provided the documents of the order, and email from the judge and the attorney even contacted XXXX with a letter and email telling them to release. 

I had to advise XXXX of my intentions of filing a claim against them as they were violating my rights. XXXX then a short while later after the attorney then contacted them again did release my account. I then about a week later received a letter from XXXX stating they were closing my accounts in a month and would no longer allow me to write checks, or make withdraws. This is retaliatory behavior from XXXX bank and another example of them violating my rights and now continuing to cause me harm. I have available funds in XXXX of the accounts and they have blocked my debit card from making withdraws with no further notice or explanation.
Product: Credit card or prepaid card

I've been contacting the Capital one credeit card company about a fraudulently opened account with the number XXXX, since I saw this when i had to do some credit application about a year ago. I've asked the representative to send me a wet ink application signature of mine and i haven't gotten a reply from them. This is a fraudulent account and Capital one keeps reporting the account delinquent a fail to remove it from my credit report. This action has caused me tremendous pain and has caused me to be denied credit. I didn't know of the way to do anything until I got an email of how to get help with fraudulent items on credit report. Please assist me with getting to the XXXX XXXX XXXX company who's prefers to destroy a real person who was taken advantage of by fraudsters.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1661 section 602 A states : I have the right to privacy.

15 U.S.C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account information XXXX XXXXXXXX XXXX with {$1200.00} on my credit report is incorrect and needs to be deleted. I do not owe a XXXX to the XXXX at XXXX. The attached files support my position.
Product: Credit card or prepaid card

On XX/XX/2019, I used my credit card to pay for my flight baggage. The credit card is marketed as reimbursing the first {$100.00} in qualifying airline   incidentals per calendar year on qualifying airlines. I overall spent {$60.00} for 2 bags, and this is my first time attempting to use this credit. The credit card terms state that it should take 2-4 weeks to be reimbursed. I called the credit card company first proactively to ensure that I would be reimbursed. I was assured that it takes time to post. Then, I called 2 more times after that when the credit did not post in the supposed time frame. I left roughly a week 's time between each call. Nobody has reached back out to me since my last call slightly over a week ago, nor have I seen an adjustment on my account. I have paid the outstanding balance in full and have complied with the terms and conditions.
Product: Credit card or prepaid card

My new travel card ( United Explorer Chase Visa ) was declined while on vacation in another country. I called customer services at least 7 times throughout the week to try to verify purchases and confirm my identity ( via text confirmation and answering security questions ). Additionally I contacting customer support through the secure online portal linked to my account multiple times to resolve the issue. 

After an excessive number of attempts to resolve the problem, my card was still not accepted anywhere. Every support agent from Chase gave assurances that my card would no longer be declined. I even kept agents on phone and attempted purchases multiple times so they could " troubleshoot issues ''. 

Numerous support agents, a support manager and online support representatives gave assurances that my card would be accepted for the remainder of my vacation. During my 5th call with phone support the agent " guaranteed my card would work. '' I informed the Chase cardmember representative that if my card was declined again I would file formal complaints with XXXX and CFPB ... .. My next purchase was declined. Chase Bank, United Airlines and Visa are branded on the card and responsible for the unacceptable customer support and service
Product: Credit card or prepaid card

My complaint has to do with Synchrony Bank under their " Care Credit '' program. This program is used by medical patients under terms and conditions that if the account is paid within six months, there are no interest charges ; however, if the account is not paid entirely in six months interest is charged at XXXX XXXX 

My original bill was approximately {$1100.00} with a current balance of {$950.00}. Full payment is expected on the balance by XXXX/XXXX/XXXX or interest will be added. 

When I called Synchrony today to find out what the interest charges would be if the balance were not paid off by XXXX, I was told that it would be {$140.00}. When asked how they arrived at that number, Synchrony 's representative told me to find an explanation of their computations on their website -- but I could not find such explanation. By my calculations, it appears that back charges of interest will be made on ALL THE AMOUNT OF PRINCIPAL, REGARDLESS IF THE PRINCIPAL WAS PAID DOWN OR NOT. If this is the case, it seems outlandish and possibly in violation of U.S. and California law. I should not have to pay interest on the principal amount I have paid down. 

I believe Synchrony 's practice is deceptive. Certainly, their practices are not clearly and easily spelled out on their website. See : https : //www.mysynchrony.com/ Thank you for looking into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXN XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/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  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I have an excellent banking record. Until the corona, I had an A+ credit rating. 
I opened a checking account at Wells Fargo. 
First issue was being unable to get my direct deposit set up. I called and left a message that I needed help. My call was never returned. 
Then, I made out 2 checks for bills, left them for the mail carrier and drove to the bank to deposit my stimulus check. No dice. The branch closes early, even on Fridays. Tried to do a deposit from my phone. No dice. {$1000.00} limit on those. 
The first check came in and was returned. I paid my {$35.00} each to Wells Fargo and the check recipient. I messed up. It was fair. When the second check came in, I got an email from WF saying I had a - {$90.00} and I tried to go down and pay it, they told me there was no overdraft, but they refused to close my account. Now they are tallying up daily charges of {$35.00} and I tried to go there to fix it, only to find out, they also open late. 
I'm at {$70.00} already. Both parties these checks were written to have been paid in full. Nobody is resubmitting either check. 
I simply don't believe that the characters who came up with the concept of constantly accruing interest, can't seem to figure out, in real time, whether folks owe them money. 
I feel I, like many others, are being exploited. Enough is enough.
Product: Debt collection

Trident Asset Management is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ID : XXXX Date Of Birth : XX/XX/XXXX SSN : XXXX ID TYPE : Drivers License ID # : XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Early warning services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am writing to request an investigation of the following information that appears on my early warning systems consumer report. I have NEVER opened or used the following account numbers. 

Bank 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 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 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 I don't recognize the following accounts in question. I'm a XXXX XXXX XXXX XXXX and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my early warning consumer report immediately. I've attached a copy of the report to this request. 

Thank you for your assistance. 

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

I contacted Experian about a dispute that I couldn't file online and I was transferred over to their Fraud department. I explained that there was a residence on the credit report that I've never lived at and the Customer Service representative told me that because I had mail forwarded to the residence that I couldn't remove it. That makes no sense to me because technically I haven't lived with the Owner of the home for 10 years in a previous residence. At the end of the day, when I account for the situation the owner of that home eventually stopped sending and therefore I stopped receiving my mail. I moved into an employment program because of possible government involvement that constituted entrapment charges that I wasn't seeing served. After even more accounting into past events that would constitute possible other felony charges that are not being paid any attention at the current time although they've been communicated to federal law enforcement. That could be collusion but I have an international limitation situation that suggests foul play from a military branch so its a federal case and the owner of the home seems to be getting a pass. In response, I've made distance between myself and my parents. My mother 's address was removed and the owner of the other residence is my father. I do not wish to be held liable for the property because of my wish to pursue legal action for my own assets which seem to be caught up in whatever is going on with my information. Thank you for your attention in these matters and I would appreciate it if you could contact the Federal Trade Commission and inform them of this complaint. My email is XXXX and I can be reached by telephone at : ( XXXX ) XXXX. Have a nice day. 

XXXX XXXX XXXX
Product: Debt collection

I called to make a settlement of 50 % of the account and they refused to take the 50 %. I was then screamed and yelled at about not having money to pay for something she thought was " reasonable ''. She then proceeded to hang up in my face and refuse to answer the phone for me to make the debt. I tried explaining to her my position and she continued to bagger me about me and demean my character. Very unprofessional, very nasty and rude! Never sent any settlement information for the settlement that was discussed " XXXX $ '' trying to hassle more money out of me than that apartment is worth. XXXX plus dollars! They keep saying the offer still stands for 48 hours, and then the next offer they give is the same amount, after the 48 hours. But they don't want to give me my original quote!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : 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, credit repair services, or other personal consumer reports

An account has been re-inserted to my credit file after it was removed. The bureaus are also still reporting a public record which is out of date and inaccurate.These items are to be updated every 90 days with the courts. Trans Union as well as XXXX continue to report a bankruptcy in my previous name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had originally submitted a CFPB complaint in XX/XX/2021 about Wells Fargo Auto reporting my auto loan incorrectly to the credit bureaus as a " Closed account with multiple late payments. '' When the auto loan was open, the account was always paid on time and there were never any late payments. I also have records of when these payments were made to confirm the strong and timely payment history of this account ( Account ending XXXX ). 

As of XX/XX/2021, I received a letter from Wells Fargo Auto stating that they had found in their research, that my auto loan was in fact being reported inaccurately and had acknowledged their mistake on how the account was being reported to to the credit bureaus.

Per the letter, Wells Fargo Auto stated they had requested to update the auto loan payment history ( Account ending XXXX ) to all credit bureaus to reflect as " Closed, Paid in Full with no delinquencies reporting '' and the credit report would reflect these changes to the account within 30 days of the letter being received. 

As of XX/XX/2021, the Wells Fargo Auto Loan account ending in XXXX does not even show up on my credit report at all. As a result, my credit scores have significantly declined because my on time payment history of this auto loan has been removed entirely.
Product: Debt collection

This is a new complaint. 

This matter involves I, XXXX the living man, ( consumer ) a victim of ALLY FINANCIAL BANK, INCS ( AFB ) deceptive practices by falsifying ; altering a signed contractual instrument with the intent to defraud. 

On XX/XX/2022 I submitted a complaint to the CFPB. 

On XX/XX/2022 AFB presented an altered contractual instrument ; deceptive forms to the ( CFPB ), Case No. XXXX [ Exhibit A ] with forged signatures after signing vs consumers copy which has no such signatures nor stamps. [ Exhibit B ] Also, I would like to mention I am a victim of XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) misconduct in connection with the extension of my credit ( s ) ; by reporting fraud on my credit file & consumer report without proper verification nor investigation. [ Exhibit C ]