23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I originally learned about XXXX when seeing a simple ad in my XXXX advertising a 3.5 % yielding money market fund. In hindsight, I should have avoided this company as it seemed to good to be true. Turns out it was. 

I signup for a Roth IRA with them and decide I'm going to be investing {$1000.00} a year while I keep contributing {$5000.00} a year to XXXX which will still be invested in the stock market ( this is important as you will see later ). 

The rep from XXXX XXXX was very nice and sent me a form I needed to fill out to do my initial {$1000.00} contribution. The form was with their banking partner, Pacific Premier Trust. I fill out the form and ask if I'm going to have to fill out this form for every {$1000.00} contribution and I'm told they can setup auto ACH from my bank account, which works well. 

So now I have filled out the forms, submitted cancelled checks and I ask XXXX XXXX what fund I need to buy on their website for the 3.5 % money market fund ( or if my idle cash will simply earn 3.5 % ) and I'm told that the 3.5 % fund is not for IRA accounts and you need to be an accredited investor ( with requirements that are significantly higher than I'm comfortable parking with XXXX XXXX ). The only fund you can invest in is their " XXXX '' Fund which owns artwork and other alternative assets, certainly not an asset class I want included in my IRA and a far cry from a 3.5 % yielding money market fund that was advertised. So fortunately my account was showing a {$0.00} balance and I tell XXXX XXXX to cancel my account being setup and they oblige. I thought I was done with XXXX XXXX. Turns out this was just the beginning. 

Despite my account having a {$0.00} balance on their website and my email chain clearly confirming I don't have an account with them I start getting statements in the mail from Pacific Premier Trust. I found the statements odd, I don't recall ever having an account with them so I ignore them for a few months. 

Then I realize my bank account is being debited monthly into a Roth IRA with Pacific Premier trust and adding insult to injury this is causing me to make excess contributions to my Roth IRA. I contact XXXX XXXX and I'm advised that yes, the money is being withdrawn as I setup automatic withdrawals and even though the XXXX XXXX site shows a {$0.00} balance, it is going into an account with Pacific Premier, despite the fact that I didn't want to invest and withdrew my consent to invest.

I've now gotten ahold of Pacific Premier, I'm going to eat the 6 % IRS penalty for the excess contribution and now Pacific Premier advises me that there's a {$270.00} account closure fee! This is on a $ XXXX balance at this point, quite excessive if you ask me. 

I would encourage anyone investing their money avoid companies like XXXX who hold your money at another entity and who may charge fees totally undisclosed on their site. I would also encourage anyone who happens to be an accredited investor to avoid the 3.5 % money market fund after the paperwork nightmare I've documented here.
Product: Credit reporting or other personal consumer reports

TransUnion refusing to correct personal information. My correct name is XXXX XXXX XXXX I sent proof of residency and Drivers license. TransUnion is reporting my name as XXXX XXXX XXXX XXXX XXXX XXXX XXXX old addresses listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect employers. Im self employed. 
XXXX is reporting incorrect names also. I have sent proof of identity to them as well. My employer and address are correct. 
XXXX has incorrect name and address. 
Proof of personal information has been sent to each Bureau. I have sent proof of personal information more than three times to each Bureau. Can you please help me to get my personal information straightened with each Bureau. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to me being a victim of identity theft I spoke with XXXX at Experian on XX/XX/XXXX about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my Experian credit report : XXXX XXXX XXXX open date XX/XX/XXXX amount {$7200.00} account # XXXX. " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account. XX/XX/XXXX at XXXX about an unauthorized account " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account. On XX/XX/XXXX I spoke with XXXX about an unauthorized account " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account.Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me I am requesting that all above unauthorized accounts be removed immediately from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was contacted and reports to me as a consumer that my student loans are in closed status as I am still in my 3 year review period from XXXX and XXXX XXXX Discharge. The review period ends on XXXX XX/XX/XXXX. But the Credit report given to a potential creditor on a hard pull of my credit still lists my student loans as delinquent and not in the closed status. The Credit dispute procedure was followed by me with XXXX online in previous weeks and months. I rechecked my credit report with a local credit union and the delinquent student loans are still included in the information that the creditor receives but not in the information I see on my XXXX  credit report I am shown by my XXXXn consumer account. This information is used to deny me credit contrary to the laws of the Consumer Fair Credit Act. I disputed the XXXX account in XX/XX/XXXX and I checked the status today on XX/XX/XXXX. The Delinquent account status is not supposed to be there according to my understanding of the XXXX when I received a XXXX discharge of my loans in XX/XX/XXXX!!
Product: Credit reporting or other personal consumer reports

Hello, the complaint filed on XX/XX/2022 via CFPB with XXXX took longer than 30 days to be resolved. I am requesting to have the bankruptcy deleted from my credit report as the company, XXXX failed to provide the method of Verification. I contacted both the US Bankruptcy court and XXXX XXXX both claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFED.

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA MUST REMOVE OR CORRECT INACCURATE OR UNVERIFIED INFORMATION FROM ITS FILES, USUALLY WITHIN 30 DAYS under 15 USC Sec 16811i ( a ) I have enclosed their letter for your inspection. Please DELETE this item from my credit report as it is NOT verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! TransUnion LLC Consumer Dispute Center 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 USC 1692c ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to validate these accounts on my credit report. As seen by several attempts, XXXX has either overlooked or ignored my requests several times to validate these accounts. Yet, they continue to report these account to my credit reports. 

XX/XX/2019 & XX/XX/2019 i sent a request for validation to XXXX & XXXX XXXX asking for an instrument of indebtedness.Both XXXX & XXXX XXXX have failed to respond correctly to each of these letters. XXXX XXXX never responded and XXXX responded " stating that if i wanted to discuss this account to contact them '' ... ... ... but I'm making contact with you through the letters, this response was in response to correspondence I sent YOU ... 

XXXX is reporting these accounts to my credit reports without validation to me, without an instrument of indebtedness showing that these accounts are indeed mine. 

Futhermore, when i have disputed with the credit bureuas experian, XXXX and XXXX ... they have all came back and said that the accounts have been verified but none of them can show any proof of what that means. 

IT HAS NOW BEEN BEEN 107 DAYS SINCE I SENT MY FIRST REQUEST FOR VALIDATION TO XXXX AND XXXX XXXX AND TO THIS DAY NEITHER HAS VALIDATED THIS ACCOUNT, NEITHER HAS SHOWN THIS INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM. 

XXXX is falsely reporting open and closed accounts on my credit reports. 

The following accounts are being falsely reported. 

RE : Account # # XXXX ( All accounts fall under this umbrella ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Due to the recent development regarding the neglect of disputes. I wanted to formally express my concern particularly in light of CFPB lawsuit highlighting significant issues with this platform. Despite being a loyal user of Zelle and a loyal customer to my bank they have failed to properly investigate my claims. They have told me its basically impossible to receive my funds back. CFPB findings indicate that Zelle has neglected to protect its customers but has allowed pirates to become repeat offenders leaving us vulnerable to scams. This lack of accountability raises true concern for a consumer like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A SERIES OF ISSUES WITH THESE ACCOUNTS. I HAVE A CABLE BILL THAT IVE NEVER SIGNED UP FOR. HOWEVER I HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE A MEDICAL BILL THAT SHOULDVE BEEN COVERED BY XXXX, BUT INSTEAD THE BUREAS DECIDE TO PUT THIS ON MY CREDIT ACCOUNT WITHOUT CHECKING IF I WAS COVERED BY ANY TYPE OF INSURANCE. THEY HAVE NEVER REACHED OUT TO ME OR SENT ME ANY MAIL STATING I OWED THIS BILL. I CONTACTED THE CREDITORS ABOUT THIS INACCURATE MEDICAL BILL AT XXXX AND THE REP WAS VERY UNPROFESSIONAL AND EVEN MADE JOKES. I AM BUILDING UP MY BUSINESS AND THESE FRAUDULENT AND INACCURATE ACCOUNTS ARE CAUSING ME A LOT OF DISTRESS.REMOVE THESE INACCURATE ACCOUNTS OR I WILL HAVE TO ESCALATE TO THE NEXT LEVEL.
Product: Checking or savings account

Wells Fargo has a policy to harm their customers and has harmed me in providing banking services in two instances, as follows : First Instance, I had a CD ( account # XXXX XXXX XXXX ) in the sum of {$36000.00} ( with accrued interest of {$1400.00} ) that I closed on XX/XX/2024 and with these funds and other funds same day opened, a new replacement CD ( account # XXXX XXXX XXXX ) for {$45000.00}, at Branch XXXX. 
Even though Wells Fargo did not suffer any harm or damage for having closed XXXX CD and invested the same funds in a new CD the same day, however, Wells Fargo penalized me, with {$130.00}. 
When I objected to paying these penalties, WF banker informed me that they are required to levy these penalties by the Bank Examiners, a patently false statement. I hereby seek refunds of the penalty {$130.00} and a statement of apology. 

Second Instance, I had another CD ( account # XXXX XXXX XXXX ) in the sum of {$98000.00}, ( with accrued interest of {$3900.00} ) that I closed and with these funds, same day, XX/XX/2024 opened a new replacement CD ( account # XXXX XXXX XXXX ) for {$95000.00} at Branch XXXX. 
Even though Wells Fargo did not suffer any harm or damage for having closed one CD and invested same funds in a new CD the same day, however, Wells Fargo penalized me with {$360.00} When I objected to paying these penalties, WF banker informed me that they are required to levy these penalties by the Bank Examiners, a patently false statement. I hereby seek refund of the penalty amounts totaling {$360.00} and a statement of apology.
Product: Student loan

I had previously filed a complaint with the CFPB, XXXX. Per federal law, while my loans are in " deferment '' status loan interest is not supposed to be accrued. HOWEVER, since my first case was filed, I keep getting charged interest to spite being XXXX. XXXX has all the documents, except for todays, I am lagging on this fight.
Product: Debt collection

Got XXXX calls on my home phone from phone # XXXX at XXXX and XXXX on XXXX/XXXX/2016, Caller ID said only XXXX, NY. Immediately after, I got a phone call with a voice mail on my cell phone threatening me with a lawsuit in my county if I do n't immediately take care of this. I have received nothing in writing, no validation of debt, and this is far beyond the five year Statute of Limitations even if it is a debt I may owe. In fact, this debt does not show on my credit report, so I do not believe it exists. 

The number is a Voip number with no legitimacy, so this is more than likely a junk debt collector that has bought information from somewhere.
Product: Credit card

I have fallen victim to a scam of an online gaming/casino site. My understanding as to the rights I have as a consumer is that I have the ability to dispute charges that were made from a company that provided products that were not provided as advertised. I tried to dispute the charges in the amount of {$14000.00}, but am unable to get my money back due to Well Fargo Bank not doing their due diligence initiating an adequate investigation. I have written letters to and tried to dispute these charges with Wells Fargo Bank, explaining what happened. I have not yet paid any of the charges due to me still disputing the charges with them. Wells Fargo Bank has told me they are reporting it to the credit reporting bureaus and it will/already has hurt my credit score. I am not satisfied with the results of the disputes made with Wells Fargo Bank. I don't feel like they made a valid effort on their part to assist me as a customer and consumer. I did not see any evidence of any real effort on their part to determine whether or not XXXX XXXX ( XXXX XXXX XXXX ) was in fact an illegal scam site, designed to lure people like me and steal their money. There was no effort to figure out what exactly happened to me either, for example, the merchant locked my account and stole the money. In my own investigation, I have learned there are multiple lawsuits against XXXX for operating an illegal gaming site and for fraud. Wells Fargo Bank has not conducted any sort of investigation into the veracity of these complaints, which it should have done. Attached here are three pieces of evidence proving that XXXX XXXX is a scam website, stealing victim 's money and not providing what is advertised. Exhibit A : XXXX is forced to cease operation in Delaware. Exhibit B : XXXX faces class-action lawsuit in Georgia. Exhibit C : XXXX and XXXX regulators increase pressure to shut down XXXX. I also deserve my money back because of Fair Credit and Billing Act ( FCBA ) and Federal Law ( 15 USC 1666i ). See attached law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone other myself XXXX XXXX XXXX XXXX has tried obtaining credit in my name which I have not authorized and the inquiries need to be removed for the accounts which someone has tried to obtain credit for thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX XXXX XXXX and Experian a letter requesting verification and validation for account number XXXX requesting original documentation in its original form with signatures. During the time the loan was taken I was in XXXX so I know I dont have a contract. They didnt not give me a full and Thorough investigation._1
Product: Credit card or prepaid card

They are charging me for the membership but I cancelled that card one month ago. I called again but they want me to pay the fee and the interest XXXX to cancel the card. And they are charging me for one benefit of the card too. I have paid the bill to not get more interest with that card.
Product: Debt collection

Fidelity Collections put 7 items on my credit report for the same account debt, I tried contacting them and they just hung up on me. 

The Same account listed multiple times on the credit report for a debt with different amounts. 

This is against the FCRA. I was told to file a complaint with you by the Attorney who will be representing me in this case. 

This is illegal behavior that must be stopped.
Product: Money transfer, virtual currency, or money service

I store funds on BlockFi. BlockFi has paused all withdrawals, implying I have no access to my funds at all. They've given few details as to next steps or possible outcomes of these funds. I'd like to file a complaint so they may release my funds back to me.
Product: Debt collection

This is unknown to me, I have disputed this. I do not have a 2016 medical bill owed. I would like to review my signed authorization for this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my credit report and I noticed several hard inquiries that I DID NOT authorize in which I DID NOT have knowledge of! 

I have attached them below... 

Creditor Name : XXXX XXXX  Inquiry date : XX/XX/2022 -- Creditor Name : XXXX XXXX  Inquiry date : XX/XX/2022 -- Creditor Name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2022 -- - Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2022 -- I HAVE NOT signed any documents authorizing these organizations to view my credit history, therefore these inquiries violate the Fair Credit Reporting Act!
Product: Debt collection

I am writing to dispute inaccurate information on my credit report as provided by your agency. The account in question is listed under Santander XXXX XXXX  and is marked as Charge-off. This account has been fully paid, and the balance is {$0.00}. Despite this, it continues to negatively impact my credit report. I kindly request the removal or correction of this inaccurate entry as it is no longer valid. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report.
Product: Credit card

Discrimination by denying me my own credit. Ss # and endorsement already paid for the credit card then they take my application and go.to the federal reserve to credits. Its ridiculous and I want to sue
Product: Debt collection

I had an outstanding debt for medical bills from XXXX Hospital and they sold my information to a debt collector and they have called my workplace several times and when I tried to return the call, it was automated and no one would ever answer. So today, they called my work again and on my break, I called back and the lady said that this was the last attempt before they would start garnishing my wages. So she made me Agree to an amount that I told her was too much and she said if I didnt give her my banking info they would take me to court and start garnishing my wages. XXXX hospital is a nonprofit organization and for them to sell my debt is outrageous. I am totally lost on what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Forever 21XXXX 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
Product: Credit card

I paid off my AT & T Universal credit card on XX/XX/year> and was subsequently charged unaccrued interest. I called AT & T Universal card to request the interest be waived, but they said their system would not allow it. I requested a copy of the Cardholder Agreement, but I will not receive it for many days. I was able to find the definition for Grace Period on their website and it's clear that the Grace Periods are the time between the end of a billing cycle and the payment due date so the interest charge is valid given my end of billing cycle date was XX/XX/year> and the payment due date was XX/XX/year>. Note that I have minimum payment auto pay set-up so a payment was made on XX/XX/year> and the XXXX XXXX on XX/XX/year> reflected the XX/XX/year> payment. My issue is that when I used their app to pay-off the card, the XXXX XXXX amount did not include the unaccrued interest. I have paid off credit cards many times in my life and have seen this unaccrued interest show up on the next billing statement, but a simple call to the credit card company and they waived the interest every time until now. Its very deceptive that the definition of the Grace Period excludes payments that are made between the payment due date and the beginning of the new billing cycle which in my case is only XXXX days ; the XXXX, XXXX and XXXX. Its very deceptive that when I use their app to make the payment that the Current Balance amount does not have a disclaimer that it will not reflect unaccrued interest if outside the Grace Period.
Product: Student loan

In XXXX, my husband and I took out loans for school in Pennsylvania. After many deferments and transfers from one service provider to another we ended up with PHEAA/AES as our service provider. Since then, we have filed bankruptcy two times and the student loans are still owed. However there are many problems with this. They show the  disbursement date is XXXX. That is a mistake. We relocated to Virginia in XXXX. The disbursement date wouldve been XXXX or XXXX. Since the government has placed into law that student loan payments and interest would be on hold until the end of XXXX, AES started sending letters that we were past due in XXXX. I dont understand how this is possible if this is a federal student loan. Now the government states we dont have to pay loans until XXXX XXXX AES is still attempting to collect.
Product: Credit reporting 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX that was with XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.