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

Transunion was provided court documentation showing the information on my credit report from XXXX XXXX XXXX was inaccurate, yet they continue to keep this inaccurate information on my credit report. This is absurd. Please direct Transunion to remove this false information.
Product: Credit reporting

Experian is reporting an acount from XXXX which is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I two issues with us dept of education I filed bankruptcy in XXXX to only one bureaus Experian and when I was doing my paperwork last year for the forgiveness program I was informed I was in bankruptcy I challenge them and when I call them and ask why am I in bankruptcy still and my full discharge was in XX/XX/XXXX. The person on the phone said my bad we forgot to remove you so then they did the most unethical thing they deleted the Experian entry from XXXX and now is blank because they know they could not enter it twice so they reported my bankruptcy date as of XX/XX/XXXX this is wrong report and needs to be deleted this drop my point by XXXX points and I want them put back or we will be in court about my credit profile. 

I applied to go to XXXX XXXX that was in the XXXX XXXX they then change their name to XXXX XXXX I never went to the school because I found out I was XXXX  and could not attend. At that time was when paper checks were being issued they returned XXXX of the loan an never returned the rest no this has ballooned out of control I have been saying this for 25 years. Then come to find out this was predatory school and they are now closed when I ask for transcripts if I went there they could never produce them. How I found this out was went back to school in XXXX at XXXX XXXX I was granted full financial aid and then when the spring semester came about they told me I did not qualify for financial aid because I had a defaulted student loan from XXXX I ask them where this loan has been for all these years and I had a very common name XXXX XXXX Then I was XXXX XXXX my first husband I have applied for the forgiveness and it has been a year now no word. They have repeatedly sold this loan again and again and a lot of this is interest and lots of offsets. I disputed this with the Bureaus since last year
Product: Credit card or prepaid card

Our Capital One credit cards ( both myself and my husband 's ) had a potential fraud charge. Capital One restricted both cards. We have always had just capital one ( which was a mistake ). We were travelling at the time XXXX ( XXXX ) and were left with no credit card. I requested that they overnight a new card to our hotel in XXXX since we had no way to get our hotel bill paid or to continue on our trip. They did overnight a new card which we used to check out of the hotel. When we went to the XXXX XXXX rental at the XXXX airport to rent a car the card was denied. When we called the representative they were requesting verification of identity that was impossible to provide when I was at XXXX Airport XXXXXXXX XXXX  rental counter. Once again we were paralyzed with no ability to rent a car, change our flight or check into another hotel. 
When we arrived home I sent them the necessary documents. My husband was a prosecutor and we have always had a po box as our mailing address for security reasons. They refused to accept the documentation since it did not have a residency address. I can not believe that certain customers don't have their home addresses on bills also because of security issues. You can find anyone on the internet these days and this is one way to keep your personal address private. 
Capital One 's unbending policies have lost them a customer of over 20 years.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received two emails from Wells Fargo stating that someone had sent money via XXXX to a person I don't know ( Named XXXX XXXX ). There were two transactions and two separate emails for each. 

The first was for {$1.00} at XXXX and the second was for {$250.00} at XXXX I saw the emails about two hours after they were sent and immediately called Wells Fargo to report the fraud and was walked through the process of locking down my account - changing my username and password, some other security measures for phone identification, etc. I was told the fraud case would be opened and I would have my money back in a maximum of 10 business days.

7 business days later I called them to get an update and was told that it was still being investigated, but that I would still have the money back in my account within the 10 business days.

12 business days from when I filed the complaint, I received a letter from Wells Fargo ( with a date of XX/XX/XXXX - two days BEFORE I called for an update and was told it was still being investigated ) telling me my claim was DENIED with them and that they are saying that I authorized the fraudulent transactions.
Product: Debt collection

I received a call on XX/XX/XXXX from XXXX that I was going to be served at home or at my employer because of case filed against me, unless I called XXXX to resolve. When I called this number I was not read a collections disclosure, but I was told I needed to pay {$2000.00} to resolve a debt from XXXX for a Chase credit card or I would be sued and my wages would be garnished. I was caught in a vulnerable moment while with my young daughter in the parking lot before going into a store and panicked and paid it, but I do not believe this company is legit. He said his name was XXXX XXXX with XXXX XXXX XXXX  but I cant find information on this company online anywhere. He said they obtained the information from XXXX XXXX  but the only info I can find on XXXX XXXX online Ive called and they show no record of me in their system. Chase bank showed this debt in XXXX transferred to XXXX XXXX XXXX but they went out of business ( according to what I see online ) in XXXX. I have called the number on my bank statement that I used to pay the XXXX ( which shows XXXX XXXX XXXXXXXX ) and I cant get through to anyone, no matter how long I hold or if I request a call back, no one does. Ive received letters via Dropbox via email from XXXX XXXX XXXX but the XXXX of operations who has signed them has changed from XXXX XXXX to XXXXXXXX XXXX and it appears these letters are being generated just to try to satisfy whatever Im asking for as I question the legitimacy of this company. XXXX XXXX said there wasnt enough time to mail me a new letter ( the original letter they supposedly sent me in XXXX I never received, stating theyd settle my {$4000.00} something balance for {$2000.00} ) and that he didnt know the exact date it was sent. Then I demanded a copy of the letter and he said hed have to request it, and I got it a few hours later with XX/XX/XXXX as the date. I know I never received this in the mail. There are inconsistencies on the letter and I believe this company is fake. The address they have on their letter is actually a post office. At one point I called and questioned this and someone else named XXXX said he could refund me but it would be 30 days to do so, then Id be sued and wages garnished. Then I said yes please refund me, and he said actually it will be 2 months and good luck in court and hung up on me. Then XXXX called me back trying to reassure me everything was fine and that hed been working there 10 years and doesnt know why they dont have information listed online because hes never looked. He originally said that this demand letter was sent by XXXX XXXX but then stumbled over his words and says it was sent by them ( XXXX XXXX XXXX ) but my bank statement shows XXXX XXXX. At one point he also slipped and said something like XXXX XXXX coast but when I questioned that, he said oh that must be the carrier? When he finally sent me the copy of the supposed debt settlement letter, there are misspellings and inconsistencies. I dont think I owed this debt nor can I seem to find a way to prove they had rights to this even if it was valid, or that theyre a real company. Everything I read online says this was a scam.
Product: Prepaid card

Upon receiving approval of my XXXX and XXXX XXXX, I waited for a debit card from Bank of America that nevee came. Someone had done am account take over and for over XXXX years I have been trying to get my benefits. I sent in a police report along with supporting documentation. My disputes were pending for over XXXX years without any provisional credit or resolution. Recently at the end of XXXX, I phoned in again and the supervisor closed all of my 2 year pending disputes and filed new ones. The claim numbers are as follows : XXXX for. {$19000.00}. Claim XXXX for {$12000.00}. Claim XXXX for {$7500.00}. 
Claim XXXX for {$21000.00}. I have been without my benefits for years and now Bank of Ameeica has closed my claims stating the transactions are too old. Then this morning they credited my account with {$2.00}. They denied my hardship request and I continue to suffer because of Bank of America 's handling of my claims and their refusal to reimburse me for all of the fraud on my account, then took over XXXX years to investigate, and then closed my claims to file new ones just to deny the disputed due to the age of the transactions. Just last month, I finally received my benefits card with only {$9.00} in my account. I sent in my police report and all supporting documentation years ago, but Bank of America states that they lost my documentation. The notes on my account are endless and each new call brings more confusion and more doubt that Bank of America will ever practice business under the regulations they continue to ignore at the expense of customers like me. I have lost everything and I will not stop until this is made right. It is beyond belief that this has been allowed to continue for so many years. I am asking for your help in this matter. Please help me to recover benefits that were taken from me years ago and still today, my rights continue to be violated through Bank of America 's mishandling of my claims.
Product: Debt or credit management

The account from the XXXX XXXX public utility district is in violation of the Fair credit reporting act for the fact that I have not given written permission which is a violation of the Fair credit reporting act and the reports on the account are incorrect with the amounts in the dates on the accounts and is it also a violation of the Fair credit reporting act for reporting of credit for the use to deny any credit offering I said subject for the previous accounts I demand you to remove the account shown as it is the violation of the Fair credit reporting act within 14 days
Product: Debt collection

My son and I were on an auto loan together and he could n't afford it anymore so we voluntarily surrendered the vehicle to the bank.we were told they would send a final bill after car is sold in an auction and have n't heard anything yet from them since we gave car back in XXXX 2015. Yesterday XXXX 2015 they somehow got my tenants number illegally and called her wanting her to disclose our personal information to them, like where we work and our phone numbers etc. And they also told her that we both may get a warrant for our arrest ... they have the car back so how can they threaten to arrest us for something we no longer poses? This bank has major issues and needs to be stopped..they had no right contacting my tenant and involving them and we do n't know how they got her number except googling it which should be illegal to do in this scenario. They also falsely reported on our credit reports that the car was a repossession not a voluntary surrender like it was.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, XXXX XXXX reported to the credit bureaus that my credit card is over the limit. 

The credit bureaus, dripped my credit score XXXX points as a result. 
I need to rent a home for my family and started filling applications for rental companies, which require {$120.00} non-refundable fee. After I was declined a rental, I realized that my credit score is low. I called XXXX XXXX on XX/XX/XXXX about this and they gave me a pile of empty words said Give us 60-90 days to look into the matter. 
I filed a despite with Experian on XX/XX/2023 and they also said they will take 60-90 days to review the matter. 

Am I supposed to keep my family of XXXX homeless for 90 days while these organizations review the matter? 

This will cost me {$15.00} XXXX in XXXX charges. The XXXX XXXX must pay for this cost.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Good afternoon.We are asking for an investigation into our CHASE Bank CASE XXXX. Federal reference XXXX XXXX XXXX. XXXX XXXX XXXX Case XXXX XXXX. On XX/XX/2022 we sent a wire transfer from our Chase account in the amount of XXXX to XXXX XXXX for our son tuition payment. The wire was completed at the Chase branch located at XXXX XXXX Mt XXXX XXXX in XXXX NJ XXXX. We wired the money from Chase to XXXX XXXXXXXX XXXX which is XXXX XXXX XXXX. The money left our account at the same day but school never received the money from XXXX  XXXX XXXX. The Chase branch manager in XXXX XXXX XXXX advised us everything was filled out properly. We confirmed that this domestic wire to XXXX XXXX XXXX contained all the appropriate information. Our son was at risk of missing the semester if the school did not receive the money on time. Therefore, we were left with no other choice but to overnight a check for XXXX directly to the school. This is money we really XXXX not have. After a week, the school was still without the wire payment so we requested a recall of the wire on XX/XX/2022. On XX/XX/XXXX we were advised that the wire did not contain our son date of birth. There was no field requesting his date of birth when we completed the wire so how would we know to include this information. The wire contained his full name, college ID and home address. In hopes of having the recall completed, we provided the information in a secure message to Chase. We then received an email that we would need to wait 5 days. Then we received an email requesting our authorization to recall the wire and we did so immediately. We then received another response that we again need to wait 5 days. XXXX XXXXXXXX XXXX has confirmed they received all necessary information on XX/XX/XXXX and yet we still have not had our money returned to us. The money is still sitting in limbo almost 2 months from the date of the wire. We feel Chase is not doing anything to help us get our money back. We sent a lot of secure messages to Chase and all responses we receive are we have to wait 5 days. It is unfathomable that a franchise like JP Morgan Chase is treating us so poorly, and they have done absolutely nothing to help. This situation has caused us unnecessary stress and financial woes. On top of that, the next tuition payment is due and we are scrambling trying to come up with another XXXX. We are looking for your help to have the wire recalled and have the funds returned to our Chase account or forwarded funds to XXXX XXXX account for our son 's tuition payment. This is money we have been saving for his education. We was so happy that now our son finally can go to XXXX XXXX and his dream will come true. Now the next semester is coming and next payment is due but we still can not get our money back. Please advise what I can do to get my money back and if there is anything I can do to make XXXX  XXXX XXXX and Chase accountable for all the stress and financial aggravation they have caused. I can be reached on my call XXXX. Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible.
Product: Debt collection

I contracted with XXXX XXXX, XXXX dba XXXX XXXX XXXX to bail me out of XXXX on XX/XX/2017. The contract was for {$5000.00}. I paid {$1700.00} down and agreed to pay the rest by monthly payments over several years. My complaint is that XXXX placed a collection on my credit reports this month ( AWA collections ) in the amount of {$3600.00} when they gave up their right to any and all monthly payments due by breaching our contract starting XX/XX/2017. I paid for a XXXX XXXX, but they failed to provide one when they refused to reinstate my bail after I was in the hospital. When I called XXXX ( XXXX, CA branch ) after leaving the hospital, they said they wanted more money to keep my XXXX XXXX   active which is illegal. I didn't get what I bargained for and therefore XXXX has no right to collect money they didn't earn, hence, XXXX is attempting to collect an invalid debt that I do not owe. In fact, they owe me my down payment of {$1700.00} and damages for being XXXX.
Product: Debt collection

Hi FIRST FINANCIAL RESOURCE ; XXXX XXXX  XXXX XXXX ; Im confused stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reported and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.