23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX, an individual contacted me saying that they needed XXXX dollars because they were unable care for their dog. They said they would pay back {$320.00} on the XXXX. After I sent this payment, she was very uncommunicative. On the day that she was supposed to repay me, she blocked me on the social media that I was using to talk to her and I am unable to communicate in order to get my money back. As it stands, she stole my money and had no means to ever pay me back. I filed a claim through XXXX, however, they said that the transaction in question didnt count as a service that they can refund me for. They told me to contact my bank and file a claim for the transaction. After filing a claim a few days ago, I wanted to check the status of it today, but when I called my bank ( Wells Fargo ) they notified me that the claim has been denied since the transaction was authorized on my part and they would be unable to help since it was a service. Im worried that I wont be reimbursed for this, since the money in question came from my savings. The screenshots in question show the chats I had with her, and the proof that I tried to dispute a transaction with XXXXWells Fargo XXXX
Product: Credit reporting or other personal consumer reports

I just receive a update from experian. They are illegally submitting information to the credit bureau. They said the loan open in XX/XX/year> but are only showing the c/o and not the actually payments supporting me paying all those years on time. According to the FRCA Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected. And XXXX also entitled to {$1000.00} per violation. This is my last request before I seek lawyer for lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX promise to delete this from my account if I started paying it I have almost paid this off and they have still not kept their end of the bargain they need to delete this immediately I have reported this to Equifax and they have not fixed the problem yet or sent me any information
Product: Student loan

Customer service representatives are not helpful in answering questions regarding Public Student loan forgiveness. In XX/XX/2012, representatives stated all you had to do was fill out & send the Employment verification form. They never looked into the loan type to determine eligibility or guided to the right type of loan that would qualify for forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX is in violation of 15usc 1681 section 602a. They violated my privacy by sharing my transactions without my written consent. Experian is also. Further is the violation of 15 usc 1681 section 604a section 2. Please remove this account and its history off my consumer profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has several errors on their report. Not even the address is correct. When I brought this up to them they gave me instructions that were not possible to follow. I have no access to their investigation or the results and now they are ignoring me.
Product: Debt collection

Phone called the collection agency. I have a great payment history and debt isn't mine. {$59000.00}, {$3000.00}, {$580.00}. SS do not match.
Product: Checking or savings account

I opened up a savings and checking account with Citizens Bank that had a promotional bonus of {$600.00}, which they have not paid me, even though I have met the terms of the promotion. I clicked through a marketing landing page on their website. This was the link I clicked : https : XXXX XXXX XXXX XXXX. I will attach a PDF of the promotional landing page that I saved with the terms and link that I followed. I will also attach a screenshot of one of the pages of the application. 

The terms : " To earn a {$300.00} bonus, open your first new personal checking account, excluding Student Checking, between XX/XX/XXXX and XX/XX/XXXX and have at least one single direct deposit of {$500.00} or more post to your new checking account within 60 days of account opening. To earn a {$200.00} bonus, open your first new personal checking account ( excluding Student Checking ) AND open your first new personal savings account on the same date between XX/XX/XXXX and XX/XX/XXXX with a minimum of {$15000.00} not on deposit with Citizens Bank that remains on deposit until date stated in the table below. To earn the additional {$100.00} bonus, you must qualify for both the {$300.00} and {$200.00} bonuses noted above. '' XX/XX/XXXX : Open One Deposit Savings Account with initial deposit of {$15000.00}. 
XX/XX/XXXX : Open One Deposit Checking Account with initial deposit of {$100.00}. 
XX/XX/XXXX : Direct deposit into One Deposit Checking account for {$500.00} from my employer. 
XX/XX/XXXX - today : Maintained the minimum {$15000.00} on deposit in the savings account. 
XX/XX/XXXX : Reach out to Citizens Bank about {$600.00} bonus as the window in which I should have received the bonus was before XX/XX/XXXX. 
XX/XX/XXXX : Citizens Bank says they have no record of the promotion being on my accounts.
Product: Debt collection

I have received a letter from a debt collector. In the letter the collection agency tells me that the local XXXX XXXX court has asked that my court date be changed. I have gone on the XXXX XXXX court website and can find no record of any case pending against me. I accordance with the small claims court process I should have been served whether in person or by mail. I have not been served a subpoena or received the required follow up documentation from the court, attorney, or collection agent. 

I believe this to be a deceptive statement and an illegal act by the collection agent.
Product: Credit card or prepaid card

For my birthday, my son gave me a XXXX Debit card purchased from a store for XXXX. I held onto the card until I need to purchase something. I went to use the card approximately 18 months later and only had {$6.00} available on the card. I called up the debit company, XXXX, and made a complaint. They apologized and said it was because of inactivity fee. I did not know when given this card there was in inactivity fee. What, exactly, do they have to do for this fee? 
I feel this is an erroneous fee, almost as a punishment for NOT using your gift. 
I would welcome your assistance in trying to recoup the XXXX they kept from me. 
The card number is XXXX. It expires XX/XX/XXXX The security code is XXXX. 
Their telephone number is XXXX Please let me know if you need anymore information. 
Thank you, l XXXX XXXX XXXX XXXX
Product: Credit card

I pay my bills on time never late. I dont always carry a balance so they terminated my card and hurt my credit by XXXX points
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. 

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 TRANSUNION CONSUMER INTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION INTERACTIVE IN XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION INTERACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION INTERACTIVE 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 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: Student loan

I have contacted ACS repeatedly regarding my payments being too high and me being unemployed and was told forebearance and deferment are my only options. Then a friend told me about the income based repayment plan so I asked ACS. They sent over the paperwork to fill out and I did it. I spoke to them when submitting to make sure everything was accurate and he told me I had to use my unemployment as income so I did. I said what happens after I turn it in? He said you just do nothing, make no payments, and wait to hear back from us. So I did. After a few months ( Im a single mom trying to make it through day to day so remembering to check on my status wasnt at the top of my priority list. ) I remembered I had submitted it and hadnt heard so I called and they told me that it was denied because I made too much money on unemployment at $ XXXX before taxes. ( After speaking to someone else at ACS I found out I wasnt supposed to put my unemployment on there at all!! So if I was given correct info I would have been fine. ) I didnt resubmit because I was currently working on a 4 week project and so I was told there was nothing I could do. The problem now is all those months I wasnt paying because I was told not to went into my credit report and they refuse to remove them. So now I am trying to find an apartment/but a home for my child and I and I cant because I have too many late paymentS from ACS and so nobody will even rent to me! So now I had to move in with my parents at XXXX years old. Its ridiculous they can do this and not be held responsible for single handedly ruining my life. 

Looking at my account- my principal borrowed was around {$11000.00}. I have paid over {$7000.00}. Yet somehow my remaining balance is around {$14000.00}. How is that even possible?! My loan has over doubled??
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hi I'm just making a follow-up on the dispute letter that I sent on XX/XX/2021. its been over 2 months, I thought I would get a response from your company after 30 to 45 days but it seems like you didn't take it seriously. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. I will await for your response.
Product: Credit card or prepaid card

I use United Explorer XXXX card. 
I used this card to purchase an international airline ticket via XXXX. XXXX sold me a fraudulent ticket ( made 2 separate tickets instead of connecting flight on one booking to final destination, this means even transit visa for layover country wont work as I would need to get boarding passes for layover country in that country itself ) on XX/XX/2021. 

I disputed this payment on United card within a week of ticket purchase but United has not honored the dispute. Initially they removed the transaction temporarily but now within three weeks of removing it, its posted back to my account. This is big and considerable amount that United Chase and XXXX should work together and resolve. 

No use of buying premium travel credit card and paying yearly fee for such an awful experience.
Product: Debt collection

purported letter from chase bank XXXX XXXX wanting {$80.00} and ssn.
Product: Credit card

I never did business with Portfolio Recovery Associates LLC but they reported a debt to all three credit agencies XXXX, XXXX, and XXXX. This company reported a debt of {$620.00} with an account # of XXXX on XX/XX/2021. The original creditor was XXXX XXXX XXXX I never received any notification that this debt was owed and want it to be removed as soon as possible. I tried disputing this debt with all three credit agencies, Portfolio Recovery Associates LLC and XXXX XXXX XXXX  but all was just a waste of time and nothing was resolved.
Product: Credit card or prepaid card

i have a statement balance of XXXX ( i over paid ) they sent me few bills at the time and I paid all One was a combination of prior bill that payment was crossed in the mail I have the statement where they state owing me these monies ..a negative balance Been waiting for check but never received I just called and when I put in my social security number they have recording stating i closed account ( which I did not ) they closed in person stores System will not allow me to speak with anyone JUSTICE credit card
Product: Credit reporting

Hi! To give you a brief recap, XX/XX/XXXX the IRS had incorrectly assessed a tax lien in the amount of {$130000.00} and which was then subsequently filed/recorded in XXXX separate county clerk offices ( XXXX in XXXX & XXXX in XXXX ) which created XXXX public tax records against me. When I finally became aware of these liens I had one of my attorneys research the matter and it was determined that these liens should have NEVER been filed against me personally. A formal dispute was filed with the IRS XX/XX/XXXX and they subsequently agreed XX/XX/XXXX that these liens were improperly assessed against me and they were immediately released ( see attached correspondence ). 

While other credit bureaus subsequently removed these from my credit file, Equifax has continued to improperly list them. I have made at least XXXX ( XXXX ) formal disputes with Equifax including sending a certified letter to Equifax 's CEO contesting these items and, simply put, have achieved nothing doing so. I 'm not sure if the CEO even looked at my letter but no one at Equifax who reviewed my online dispute seems to understand that these items should be completely removed from my credit file when the IRS itself determined that these liens were, in fact, improperly assessed against me. I 'm not sure where the disconnect lies nor why the Equifax team who handles disputes can not understand the distinction of what happened here. I was told by each of the Equifax representatives I spoke to that I would have to obtain individual releases from each of the county clerk offices where the IRS liens had been filed and this makes absolutely no sense! The IRS sent out lien release letters directly to each of the respective county clerk offices and simultaneously sent me copies of such releases ( see attached ). Equifax is improperly reporting these liens as being satisfied/paid. Again, these liens never should have been assessed against me and the IRS confirmed this. Equifax should completely remove these XXXX derogatory and improper public records from my credit report. 

Thank you in advance for any assistance you can provide in helping to rectify this situation. Sincerely ... XXXX XXXX
Product: Checking or savings account

I dont know how to go about it so many people are hacking my name emails XXXX and XXXX and using my social security number and opening accounts and everything else please I need help they dont help me at all I want a freeze and I want everything cut off or somthing I had good credit last I remember it was in the 700+ when I took my XXXX XXXX back
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX wasted the effort by just accepting collection companies word I owe the debt. No one has ever documented and proven that I owe these collections that Experian has posted to my report. They have allowed XXXXXXXX XXXX  to post five amounts to the same creditor, same account in collection, as 5 collections. Thus, grossly over stating my indebtedness in collections. 
Just because a collection company says you owe money dos not make it so. 
What did they expect them to do, of course they " self verified '' I owe the money.
Product: Credit reporting or other personal consumer reports

My identity was stolen and someone used my personal information to apply for credit without my consent. I need all of these unauthorized inquiries removed immediately
Product: Credit reporting or other personal consumer reports

Hello, Please completely remove me as authorized user from the XXXX  XXXX XXXX credit card attached. 

Please completely remove this tradeline from Experian, XXXX, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes and FTC reports regarding these accounts that do not belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 


I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CAPITAL XXXX XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; Federal XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2013 ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) 2213**** ; AFNI ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX are reporting on my personal credit file also the inaccurate name and addresses : 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 was found in my reports with XXXX, XXXX and TransUnion credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft through XXXX files being hacked. When this happened I put a lock on my credit profile and filed XXXX  to clear all debt. This was in XXXX. I received a notice in XX/XX/XXXX for an unauthorized account from XXXX. I reported to the debt collection company and XXXX that this was not my account and asked for each to provide any documents that shows my identity, my signature or any relevant documents to prove I opened this account. Neither could provide such information. I asked for this to be removed from my credit file and neither has removed this information. This is causing irreparable damage and harm to my credit standings. From credit report : DRS Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$3400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXXXXXX XXXX
Product: Bank account or service

XXXX separate Wells Fargo Banks in XXXX, Texas refused to cash a check written on a Wells Fargo account and I have an account at Wells Fargo since 1996. The XXXX at Wells Fargo Bank located at XXXX refused to cash this check from XXXX, XXXX which was written from their WF account to me and I have a history of depositing and cashing those checks. I also had available funds in my XXXX account to cover said check. I strongly feel this is fraudulent on the bank 's part. The XXXX stated that he could not verify the funds but I know for a fact that the check had already posted as " verified '' from XXXX because the accounts payable department does that automatically when the check is written and I spoke directly to that department when the XXXX stated no one could verify the funds. The XXXX stated my only option was to deposit the check and wait for the funds to be verified.
Product: Credit card or prepaid card

I was charged for a product that I bought through a XXXX ad that I never recieved. The company was shut down and their ads were removed due to fraud. USAA would not credit me the fraud charges back.
Product: Debt collection

I have health insurance was supposed to be submitted to seckndary called both and reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2023 to XXXX, XXXX and Equifax. However it's been more than 30 days and the credit bureaus failed to send my investigation back. 

This is not making sense at all. According to the law 15 U.S. Code 1681i- XXXX in case of disputed accuracy. If the completeness or accuracy of an item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of disputed information, or delete the item from the file in accordance with paragraph ( 5 ). before the end of 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.
Product: Credit card

I paid my Citibank credit card bill on XXXX XXXX from my XXXX Bank account. XXXX mailed a check to Citibank well in advance of the XXXX XXXX due date. Citibank said they did not receive the payment until XXXX XXXX, so they charged my account {$25.00} for being late. I called customer service to explain that the payment was sent well in advance of the due date, and there should be no late fee. I asked them to waive the {$25.00} fee. They would not.