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

on XX/XX/2020 I resolved and settled my XXXX  account with XXXX XXXX. Which means my account should no longer reflect in collections on my credit reports. As the account is not in collections any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX checked their database of XXXX XXXX publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , XXXX and the IRS XXXX I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I have contacted the police department, all 3 credit bureaus to make them aware of the Identity Theft and disputed. The Fraudulent addresses were all removed from my report and just recently re-appeared. I have spent a tremendous amount of time and effort in resolving the brutal effects of Identity theft and this is not right. I don't deserve this life of XXXX. I am disputing all of the following information due to be incomplete and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off XXXX car loans months ago and they still reporting with a balance.
Product: Student loan

This is report, yet again, another a problem with MOEHLA student loan servicing. This time, the web site 's secure message center seems to be XXXX XXXX  or worse, the company has completely removed the ability to e-mail the company with a question. 

Tonight, I tried to send a message to the company in order get more information about its claim to offer a " CASHLoan 3 % Interest Rate. '' According to the website, " Interest rates may be reduced to 3 % during XXXX XXXX XXXX ... .Eligibility is based on XXXX XXXX  status reflecting on the SCRA Website. '' Yet that is it. There is no further information. 

When I attempted to go to the MOHELA secure message center in order to submit a question, the process totally and repeatedly failed. It appears to no longer be possible to send a message. Rather, unsuspecting customers are first lured into a secure message center that looks real. But upon choosing a subject from a drop down menu ( of which are severely restricted ), the site only allows you to choose from a preset subject. Upon clicking the preset subject, the site simply displays a small narrative -- much like a FAQ section. In my case, I selected " other. '' MOHELA displayed " Sorry, messaging is not available for this topic. " In sum, tonight MOHELA is blocking customers from submitting questions to the company via e-mail. 

My hope is this is just a temporary IT error. However, knowing the company for as long and as well as I do, this is likely the beginning of yet another way to reduce service to customers by a company with little or no oversight of there employees that promotes an anything goes/no controls environment. Thank XXXX for the CFPB to investigate and pursue an enforcement action.
Product: Credit reporting or other personal consumer reports

Sofi Bank has a charge card listed on my credit report that is fraudulent. I did open the account but when I was out of town somehow someone got access to the account and bought a bunch of things off of XXXX.
Product: Money transfer, virtual currency, or money service

Wire transfer of {$7000.00} to Coinbase was sent on XX/XX/XXXX. I have checked with their bank in NY and the money was in their account as of XX/XX/XXXX. The website currently states that wire transactions are up to date and may have a 2 - 3 day processing time. There are still no funds posted to my account. There is no way to talk to anyone about wire transfers. I have sent an inquiry and an escalation request, the first onXX/XX/XXXXXX/XX/XXXX and the last one on XX/XX/XXXX through their support portal. Still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was salvaged my insurance paid everything. 
Why is this on my credit report. This is being reported on my account with out my consent. If there was a debt that I owe to this company I would pay it but this incorrect information being reported. I also never have been late on a car payment. This is defamation of character.
Product: Checking or savings account

My debit card was in the process of being replaced when the new digital card they assigned me got suspended. I received a letter in the mail but it did not detail why my card was suspended just that they were investigating a fraud claim. I called the bank 3 times and was finally informed that my account was suspended without a reason why. There was no prior notice or an attempt to transfer my funds to another account, Chase just told me I would have to wait 7-10 business days for my money to be sent to me.
Product: Checking or savings account

Someone used my my debit card to withdrawal money mutiple times from my Wells Fargo account not only was I not refunded with my money but I was also c charged for the money they took out of the account
Product: Mortgage

I took out a home equity back in XX/XX/XXXX for the amount of XXXX a XXXX period paying an interest rate of 10.99 % the home equity should have been paid off on XXXX I have made all my payments where they debit the money directly from the account. I was late for 3 payment and they defer those payments to the end of the loan at this time the new servicing company Select Portfolio Servicing is telling me that I still have an outstanding debt of XXXX I have try calling them to give me an amortization schedule of all the payments I have made, as well if there were any documentation that I would have signed that would have extended this loan that there should not be any since I never sign up for a refinance or modification since this is the answer they keep providing me that I had to do to still owe this money but they have not provided me with any evidence of this.
Product: Credit reporting or other personal consumer reports

I sent a letter asking to validate the debt. I gave them 30 days to respond. They have NOT provided the proof. 
The letter was sent certified mail, with return receipt. 
They have violated my rights in many ways. My credit score dropped from XXXX credit score to 600 's
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

Someone tried to get a account with XXXX XXXX not me I've asked several times to make sure Information is before trying to approve & they still allowed .Now my score has drop 10 points .I have no knowledge of this inquiry.
Product: Mortgage

I refinanced my {$650000.00} mortgage and {$80000.00} home equity line of credit ( " Heloc '' ) from Bank of America to XXXX XXXX. The closing occurred on XXXX XXXX XXXX  and the funding occurred on XX/XX/. Prior to the closing I checked online to find out how much interest was accrued as of the funding date and received a response from Bank of America. However, Bank of America insisted that an additional 5 days of mortgage interest and 9 days of Heloc interest ( beyond the funding date ) be included in the closing costs. This amounted to {$720.00}. I contacted the local law firm that was representing Bank of America XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) and spoke with XXXX XXXX prior to the closing date. I received an unsatisfactory explanation as to why it is necessary to collect the additional interest at the closing. As expected, the funding took place on time and Bank of America was paid in full on XXXX XXXX, including the overpayment of {$720.00}. I contacted XXXX XXXX XXXX XXXX XXXX in the afternoon and told her that I expect to receive a refund from Bank of America within the next 3 business days in the amount of {$720.00}. She told me that because their firm will include the check for the entire amount of the accrued interest owed to Bank of America in their XXXX XXXX XXXX  Bank of America will not deposit the check until XX/XX/. Therefore, I am responsible for the extra day of interest notwithstanding the fact that all of the funds were delivered to their law office by early afternoon on XX/XX/. In addition, she advised me that it will take 14 days for Bank of America to refund the overpayment that they insisted they must have in order for the closing and funding to take place. In other words, I am being charged {$150.00} interest for the same day ( XX/XX/XXXX ) by 2 Banks. Correctly by XXXX XXXX and incorrectly by Bank of America. I checked online and found out that the number of mortgages that are issued on an annual basis range from XXXX XXXX XXXX XXXX Accordingly, if the average amount of duplicate lender interest charges approximated {$100.00} per consumer, consumers are paying between XXXX XXXX XXXX XXXX XXXX XXXX XXXX in duplicate interest charges ( in addition to waiting 2 weeks to receive the excess interest consumers are required to fund at the funding date ). This is outrageous and lenders and their agents should not be allowed to take advantage of consumers in this manner.
Product: Checking or savings account

On Tue, XX/XX/2020, XXXX XXXX Website Generator XXXX wrote : If you want to jump start your success online, we have a special one-on-one consultant for you. 
Just call this number to speak with your personal mentor. XXXX XX/XX/2020 I called and me and the consultant decided that I need a refund for {$48.00} & {$100.00}, because there is no app and the story about XXXX in the living room building the website that would later become automated to 300 people was false and/or misleading. And because my credit score is Very Poor. Also payments show as initial payments, please cancel any and all subscriptions or automatic billings. 
Yesterday, XX/XX/2020 I received a charge for XXXX from " XXXX '' for " XXXX XXXX XXXX '' for {$97.00} & {$3.00} Contact Info : XXXX XXXX to XXXX XXXX Santander Bank CSRs are claiming that this purchase was made on XX/XX/2020 and related to dispute claim XXXX. I didn't buy anything from XXXX or XXXX XXXX XXXX. And I have not received anything from Website ATM, XXXX, or XXXX XXXX XXXX. 
I would like this dispute resolved as soon as possible. 
I want to know who Santander Bank claims Department spoke to and what they are claiming that they sold to me. 
Otherwise these are scam charges that I want to dispute.
Product: Prepaid card

My name is XXXX XXXX. I am a recipient of Social Security Services XXXX, XXXX veteran, and utilize the Direct Express services.

I called Direct Express customer services on XX/XX/2025 XXXX, spoke with a supervisor ( XXXX XXXX. On XX/XX/XXXX, I purchased an item for {$350.00}. Merchant ( XXXX ) gave me a complete refund on XX/XX/2025 for {$350.00}. XXXX stated the merchant never accepted the funds ( even though I have a receipt from the merchant that my card was charged ). If what XXXX stated is true it would also mean that Direct Express should not have withdrawn {$350.00} from my account, and it should have been refunded but instead Direct Express continued to withdraw the money and has kept it for themselves. The merchant did not request for the money back ( I have proof from XXXX ), neither did I make a repurchase. On XX/XX/2025 Direct Express made a withdrawal of {$350.00} description- adjustment reversal debit. This is theft! If I received a refund this means the merchant was paid! I need this to be rectified immediately as this money was awarded to me by Social Security for my XXXX and causing me to be behind on my bills and incurring major loses by the minute. It is also requiring me to withdraw from my emergency savings. Direct Express gives me no solution.

Call log : DIRECT EXPRESS CUSTOMER SERVICE XX/XX/2025 - XXXX XXXX  ( spoke with XXXX  ) hung up on me after asking why he could record me but I couldnt record him? 
XX/XX/2025 - XXXX ( spoke with XXXX XXXX XXXX falsely identify my financial transactions XX/XX/2025 - XXXX ( refuse to speak more slowly to help me understand better because of my disability, refuse to answer my questions regarding dates of withdrawals. Continues to falsely identify my financial transactions, continuously puts me on hold while in mid-sentence, hung up on me after asking questions concerning suspicious activity on my account )
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX   XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX/XXXX   XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX   XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Checking or savings account

I should have done this sooner. I assumed Direct Express was safe.    Direct Express/Comercia Bank  have cut me off from looking at my own account online! For months now.   I had to call them the get   XX/XX/XXXX  and  XX/XX/XXXX  sta tements.   Accordingly the {$950.00} someone hacked my account for has not been replaced. Now I guess I will  need  XX/XX/XXXX  and  XXX  2017 stat ements.   They tak e 7 t o 10 days ...   They told me they replaced {$850.00} but that is not on either of these statements.   They replaced {$100.00} for me to live on for an entire month!   They charged me {$1.00} transfer fees and {$4.00} for a new card. Why? I did n't have anything to do with hacking my account.   This is the second time my account has been hacked.
Product: Credit reporting or other personal consumer reports

I reported this company XXXX XXXXXXXX on my identity theft report quite some time ago as this was an account that did not belong to me. The charges were removed from my credit report, now suddenly Midland credit management is attempting to collect on this XXXX XXXXXXXX account that was reported as a fraudulent account so it seems as though credit one has sold this account to someone else in an attempt to collect a debt that doesnt belong to me, this is illegal.
Product: Debt collection

I am filing a complaint with ALDOUS AND ASSOCIATES they are hurting my credit because of there an inaccuracy on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX. 
I recently pulled my report and noticed an inaccuracy in the information being reported by XXXX. Specifically, I am disputing the following : Unknow who is ALDOUS AND ASSOCIATES they are not reported with XXXX or XXXX account is incomplete, so I am unable to compare and they are not responding to me. 

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 1692c. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt-
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I opened a XXXX account. My email address is XXXX. I made a few purchases on the y XXXX account which I paid monthly. However in XXXX I got a call from XXXX on which the lady informed me that my payment was missing. I said that's impossible my account should be paid off. She said you have a {$700.00} balance I said no she said what is your email I went ahead to verify my email. She said not its XXXX, she verified my last 4 of my social. I explained it was not my email address. She said they would do some investigation and get back to me. So last week I got a call last week my account is past due I was I said impossible. She informed me that I should make a payment before Thursday. I was puzzled. Today I received a collection letter from convergent starting they are willing to settle my account and the balance was XXXX. With a settlement balance. I called Convergent and she said the very same email as mentioned earlier. I don't know who email it is, and certainly not mine. The spelling of my name is correct and address. I tried reaching our to XXXX report this fraud on my account. I need help in resolving this situation. This is fraud against my social security number and my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning to whom it may concern I am writting regarding an Complaint that I have with XXXX  and Experian. The account in question is XXXX/XXXX XXXX high limit {$700.00} and Experian {$500.00}. I have disputed this account with both bureaus, the furnisher, and the collection agency. I recieved a letter stating that no other action of collection will be taken, and a request for deletion will be sent to the bureaus. But no such deletion has taken place. I have uploaded this same document as supporting detail. I ask that you please have these bureaus delete it off of my credit report as it is in violation of FCRA and the Fair Debt Collection Practing Act, and it is causing strain on my credit score and ability to have credit. Thank you for your time.
Product: Money transfer, virtual currency, or money service

My CashApp account was closed about a week ago. I of course reached out to Customer Support and all they could tell me was to read their Terms of Service. When I called to see if I could get more information the Advocate was quick to hang up on me, didnt even allow me time to ask clarification questions. The Customer Support is severely lacking. I decided to simply disregard my old account and count my losses. When I finally understand why my account was closed, which I had to read their lengthy XXXX  to figure this out, I called to ask more clarification questions. When I asked if doing this [ XXXX XXXX, CashApp doesnt allow gambling ] would violate the XXXX  the support advocate said they dont know. When I asked if this would lead to account closure the advocate literally told me, a customer It might or it might not. This goes to show their XXXX  is just a bunch of words to them and their support team has to be among the worst and least helpful.
Product: Debt collection

Portfolio Recovery continues to harass me on XX/XX/2022 I sent portfolio recovery and email to their customer service to cease and desist and to stop all communication with me and to remove that because I refuse to pay it because I do not believe it's not XX/XX/2022 I received a letter in the mail along with receipts stating that I owe portfolio recovery {$410.00} it does not State exactly what the charges are for I have no idea they continue to harass me after I told them to see all communication Also the address on the statement and the address that's on the letter to not match
Product: Debt collection

In XXXX XXXX XXXX of XXXX XXXX, miss billed me for service that wasnt provided and reported my account to a collection agency called Allied Collection Services Inc I was supposed to have two XXXX replaced but they never provided the service. 
A couple months later, I moved to Florida, and never returned to XXXX XXXX. 
The problem is Allied Collection Services Inc has been reporting a fraudulent debt to the credit agencies. Even after the manager at XXXX XXXX emailed me a letter saying that I owned zero balance. In XX/XX/XXXX I disputed the charges and won the dispute with XXXX and XXXX XXXX and they removed it from my credit reports. XXXX XXXX XXXX XXXX continued to put fraudulent amount of money on my credit report because they change the amounts. 
On XX/XX/XXXX Allied Collections Services Inc. re-filed another collection with the same debts but changed the account number. This is a fraud in behalf of Allied Collections Services Inc. as this charge was already proven that I didnt owe anything when they put it in collection in XXXX. I have spoken with them and asked them to stop doing this, but theyre getting around the system by changing account numbers and amounts. 
Please help me report them and make them stop doing this to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report the account XXXX XXXX  on my credit report for 4 different accounts when the original account is older than 7 years. The account is too old to be reported as it was first noted as delinquent in XXXX. The account was also included in a Chapter XXXX Bankruptcy in XXXX. As a result of the Bankruptcy and the age of the account it should not still be included in bankruptcy.
Product: Debt collection

They called about a person I do not know and a loan that does not belong to me. The representative refused to listen to me and to remove my contact information.