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

Back when I was a college student in XXXX, XXXX XXXX XXXX reported me for " account abuse '' because of an overdraft. I subsequently paid the {$120.00} I owed and I was told by the branch manager that the account was " paid in full '' and that everything was " taken care of ''. 

Fast forward to XX/XX/XXXX when I tried to open a checking account at another bank, I was denied because XXXX XXXX XXXX was still reporting me for " account abuse ''. I am confused because five years ago in XXXX I paid the bank the {$120.00} I owed and they assured me everything was resolved. So I decided to dispute the Chexsystems entry based on its inaccuracy. 

Then when my mother tried to open a checking account at another bank, she was also denied because apparently XXXX XXXX XXXX switched my information with hers. Recently, we visited a local XXXX XXXX XXXX   branch in order to try to get the mix-up rectified, but we were told that there was nothing the bank could do, and they instructed us to call customer service instead.

This has caused a tremendous amount of confusion and distress for me and my mother. I want the Chexsystems   entry deleted from both my records and my mother 's record as well. It is completely unfair that my mother can not open a new bank account because my information has been mixed up with hers.
Product: Student loan

I have been making monthly payments, on time for over 13 years. I 'm a XXXX and was told by other XXXX that there is a program that we qualify for to forgive our student loan if we are XXXX and been making payments for over 10 years. I obtained the application, read the qualifications and I should have qualified from the beginning for forgiveness. I had the direct consolidation loan, which was another requirement. After getting the runaround and having to apply twice, I was told that I did not qualify, but that Fedloans was assuming my loan. I was told that my terms, payment, and everything would remain the same. Fedloans only would be servicing the loan. I even received that statement in writing. My usual payment averages {$110.00} per month. In XXXX 2017, I received notification from Fedloans that my new monthly payment will be approximately {$500.00} per month beginning XXXX 2017. I called Fedloans and was told that my loan was " looked at '' and at the current payment, my loan would not be able to be paid off within the 15 year term. I did not authorize Fedloans to " look at '' my account. I applied for a " forgiveness '' program that was advertised, and I qualified for per the requirements. I asked the rep from Fedloans if I had not applied for this scam, I would have continued my $ XXXX monthly payments, on time just like I agreed to do 13 years ago for 2 more years and nobody would even care? She said yes. All these years, I 've worked hard and paid on time. Now, I 'll probably default because I was tricked into applying, and giving access to Fedloans, based on their statement that they were " servicing '' my account only. ( Public Service Loan Forgiveness Program )
Product: Checking or savings account

XXXX XXXX has been sucking me dry with oops and taking money from transactions that they didnt cover for me anyway. I didnt have oops and then when I found out I had it then they said I didnt again. Idk y they take money from my account that they didnt cover. Its confusing and I only get disability benefits.
Product: Debt collection

Business is Deville Asset Management. It's been over 4 years since I stopped payments because they refused to send me a letter stating my debt. I didn't know the amount I owed, what has been paid and what my balance was. Once I stopped payment they still refused to send any letter with the debt information. The company called and yelled at me on my voicemail that I had to call them back because of the payments. I would call and the business phone would never be answered. They were under investigation. Now, they have sold my debt to ANOTHER debt collector XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX - Toll Free : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-husband has used my personal information multiple times to try and obtain credit. We went to court to make him stop. My name has not been XXXX XXXX since XXXX. He has been applying for credit using the name XXXX XXXX or XXXX XXXX. My name is XXXX XXXX. I can provide my social security card to show my name was changed back to XXXX in XXXX. I would like all of the hard inquires removed due to identity theft. I sent this information to all three credit bureaus and they have not removed the items after I sent in the proof and my driver 's license and social. Please assist in removing the following false inquires : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make these nor was I aware of these attempts for credit. I was in the hospital ( I can provide proof ) XX/XX/XXXX through XX/XX/XXXX for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint regarding the Fraudulent accounts reporting on my Credit Report. The last letter I sent to the Credit Reporting Agencies was XX/XX/2022, with complete attachments of my Personal Information. I am a victim of Identity Theft and I have reported the theft of my identity to the FTC. The accounts I am disputing do not relate to any transaction that I have made or authorized nor did I receive any benefits as a result of the identity theft. Per FCRA section 605b, you are required to remove any accounts and information listed on an ID Theft Report. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. The accounts listed below are the results of the Identity Theft, therefore I am requesting the Credit Bureaus to comply with the law and remove these from my Credit File : EQUIFAX : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$6100.00}
Product: Credit reporting or other personal consumer reports

I hereby give notice two Experian XXXX XXXX XXXX and XXXX XXXX XXXX that I never gave my consent or authorization to post any information regarding the consumer report bearing the name or any derivative thereof as a result of this unauthorizedReporting my livelihood has been adversely affected. I will sewed dispute the accuracy incompleteness any information contained in this credit report.I challenge the reporting agencies to produce the law the authorizes any company or agency a right to report anything to a consumer reporting agency, or a law that allows said companies or agencies to impede commerce, thus causing injuries without a fiduciary obligation to remedy the damages.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX is the Real Estate Broker who represented XXXX XXXX XXXX for a Real Estate purchase transaction. On XX/XX/year>, a fraudster contacted XXXX XXXX, under the guise of my brokerage, XXXX XXXX XXXX. & acted as me ( XXXX XXXX ), by hacking into my business email account- it seems, not sure how, and giving XXXX XXXX incorrect bank info. to wire $ XXXX for the deposit for escrow on the purchase of a piece of real estate in Virginia. We discovered the hack issue on XXXX XXXX and XXXX XXXX promptly notified XXXX XXXX XXXXXXXX & I also went to the local Wells Fargo Branch here in XXXX, VA ( that is the bank and branch that the hacker gave to XXXX XXXX to send funds to using my name ). The local Wells Fargo bank manager looked at the account info. and confirmed with me that the account # was not a Wells Fargo account # at all & therefore should return back to my client 's account with XXXX XXXX XXXXXXXX within days if it even leaves at all. But- the funds were never returned. My client, XXXX XXXX, worked with XXXX XXXX  XXXX & filed the SCAM Victim Acknowledgment form with XXXX XXXX XXXXXXXX. his claim # was XXXX. The fraudulent bank info. that he was given by the fraudster on XX/XX/year> was : bank name : WELLS FARGO BANK acct name : XXXX XXXX XXXX XXXX XXXX Act # : XXXX Routing # : XXXX Acct Type : BUSINESS CHECKING Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXXXXXX denied my client 's claim 2 times now. And they refuse to give me any info. to help on this. During their " investigation '' they never once reached out to me to ask any questions about this. I find it very wrong that I was never contacted. They could not have investigated the issue without reaching out to me. My client has no recourse but to sue my company for the funds. I have no recourse, but to sue XXXX XXXX XXXXXXXX if they fail to provide answers about where the funds have gone & why they never contacted me on this. Please help. We do not want to have to go to court over this. 
UPDATE XXXX My client, XXXX XXXX , called today to confirm that he was contacted twice by someone from XXXX XXXX XXXXXXXX , but they are not able to return the funds. 
He said that they could not reach Wells Fargo and that the trace # is not correct. 
If that's the case- where is the money? 
Wells Fargo can be contacted- and both banks need to work together to confirm the funds are still around since the account # provided was incorrect. The funds never should have left my client 's account. 
Here 's the info. obtained the past week : The individual that called XXXX XXXX from XXXX XXXX XXXXXXXX is XXXX XXXX, phone number is ( XXXX ) XXXX. 
The trace number that he provided to XXXX XXXX is XXXX
Product: Credit reporting or other personal consumer reports

There is a capital one credit card showing on my credit report as of today XX/XX/year> and wasnt reported by capital one as they do not have any accounts that are reporting to my reported because of the restriction that was resolved by them through the fraud department over a year ago and they have not reported anything since. The credit card can not be validated because there is no credit card number coming up under my information. XXXX lied and stated that Capital One reported it to my bureau when investigated they had not. So XXXX made a false credit card account and attached it to my credit report to lower my credit score. That is a direct violation of the FCRA and owes consumer mandatory fine of {$1000.00}.
Product: Debt collection

I have reached out to Midland Credit Management to send me proof this debt is mine. They send a copy of an bill from 2012. They have put a collection on all XXXX credit reports. I asked them to mark my credit reports disputed and they did not do this in 30 days, as I asked. I asked them to investigate. I was turned down for a loan today, due to the collection on my credit report. I was going to file a small claims against this company. I called today at XXXX and asked for their registered agent for Indiana. XXXX said they do not have one. Midland has provided inaccurate information to be put on all XXXX credit reports. This is embarrassing, humiliating and upsetting that I am turned down for a loan with my bank. Midland did not add " Customer has disputed the validity of this item '' on my credit reports with the credit bureaus. I printed all XXXX credit reports and this was not added, like I asked them. I sent them letters, which I have copies of and I have signed certified letter receipts of the letters, showing the dates and signatures.
Product: Checking or savings account

I have had a Coinbase Pro account for a while. I was told that I needed to update some information on my account. I realized this was asking about a Coinbase account ( implied to be distinct from Coinbase Pro account due to different websites entirely ). I then proceeded to take steps to delete my Coinbase account, as I do not use Coinbase ( only Coinbase Pro ). The process disclosed that I had about {$2.00} USD worth of XXXX in the account, and before I could close the account, I had to withdraw or donate the {$2.00}. I, of course, chose to donate it. There was no disclosure that I would also be closing my Coinbase Pro account and forfeiting the significant sum of money that I had in the account. I reached out to Coinbase support via email ( as there is no way to speak with an actual human unless your phone number is associated with the account ), and received a wholly unhelpful response from the support team after waiting about a week. It was as if the agent did not even read my email. I promptly responded to clarify the situation and have not received a response after several days. There are several reports of this happening to other people, and clearly Coinbase has not taken steps to close this loophole in which they get to steal customer 's money.
Product: Checking or savings account

On XX/XX/19 I got a refund from XXXX for XXXX.Looking at my account on! XX/XX/19 the amount was XXXX with the XXXX refund the amount was XXXX.Then the next transaction shows Bank of America taking that money out and it goes back to XXXX on XXXX.On! XX/XX/19 Agoda sent a refund of XXXX to my account.Looking at my account it went from XXXX to XXXX then later on! XX/XX/19 it goes fromXXXX to XXXX.I spoke with a specialist on XX/XX/19 to say Bank of America took my refunds.She went over my account and said the money was there according to Bank of America 's accounting practices.
Product: Credit card or prepaid card

I applied for and was approved for a secured credit card from Discover.  I sent them the money and for a period of time that is excessive, they have yet to release my card so that I can use it. 
While they sent me the card, I can not use it because they now claim that they are doing a " confirmation review ''. This now includes a request for my tax returns and bank statements. I posit this is something that should have been done PRIOR to taking my money which they are holding and most likely earning interest on. 
If they were not going to approve the application or if they were going to do several more layers of review, this should have been done prior to accepting money which is tied up. I can only believe this is an operating policy which profits them at the expense and inconvenience of customers.
Product: Debt collection

I did ordered 2 pieces of shoe racks from XXXX  as a XXXX gift for my XXXX old mother in XX/XX/XXXX. In XX/XX/XXXX one piece was sent with an email notification and immediately replied to the same email to cancel the second order since the product was not as described. The material was too cheap and does not hold a pair of shoes before it falls apart. I do have the email attached to the complaint document. Nevertheless, overstock ignored my request and did send the 2nd order after XXXX towards XX/XX/XXXX. 
I called for a return packaging slip. Attached is an email as proof XXXX received the package and credited my account to zero balance {$0.00} as shown on the email. Few months after, I started receiving billing for the second order that was cancelled since I paid for the 1st order. XXXX sold this Account XXXX XX/XX/XXXX to " THE BUREAUS '' in the amount of {$610.00} ( the shoe rack purchased costs {$28.00} each ). I hereby request from The Bureaus to delete {$610.00} from my credit report since the account is written off and not only that I do not owe XXXX nor The Bureaus a dime. This collection record is affecting my credit report in order to gain a reputable job in my career to feed my children.
Product: Mortgage

I had been paying every month my mortage payment until I got XXXX XXXX. I was by my self with my XXXX kids in XXXX because my husband was in XXXX. Then XXXX of my sisters died because of XXXX and I had to bring my mother to my house because she could not be alone without my sister that passed away. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This issue caused me lots of problems because my mother then got a XXXX and was sent to the XXXX where only I could support her. After surviving the XXXX, she then needed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It took me more than 6 months to attend to her in XXXXXXXX XXXX. This also caused me lack of money to pay Bank of Amercia, they offered a deal for me to be excused not having to pay for one year but they did not explain to me that they were going to charge me much more interest on that issue. They even added an insurance company to the account charging extra unapproved, it was for water flund insurance for the house. The construction of the house was created was much higher than the road in front. There is no way this house could flood, because it is approximately 8 feet higher than the road in front of the house. 
Besides that charge they also paid the property taxes and charged more interest due to the payment. This issue set me up so much. 
Then my oldest sister also dead last year, another heart breaking reality. She was visiting from XXXXXXXX XXXX and had to go the XXXX. She then had so many XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I also have a son that was born on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. He was tested and it was confirmed when he was XXXX XXXX XXXX. One visit in XXXX a doctor told me that he would die at the age of XXXX XXXX XXXX and I cried so much. I then took him to another location and a lady told me that he would never talk, read, or anything positive. There were so many problems at where I lived because there was no area for XXXX XXXX and that was in XXXX XXXXXXXX XXXX I looked for a location recommended by his doctor and it was in XXXX XXXX XXXX XXXX XXXX ) and that did help so much. He then started to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He does not have a single friend, he does not eat in front of anyone, he does not get involved with his cousin 's, uncles, my family or anyone else. He doesn't even want to hangout with his XXXX brothers. 
Do to the XXXX  in XXXX Texas I purchased a mobile home for my boys could attend school in XXXX, near XXXX Texas. After renting a lot for the mobile home I was able to find a property near the XXXX school and that is where the House was built and I needed the money to finish the house. I did not get the money from Bank of America it was from another company. 
Problems still continue and I really need help with this. I wish I could find someone to help me pay for this house because I have nothing else. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft i have sent over 100 disputes to this company in the pass 2 years now they are refusing to correct incorrect information on my file. 
the accounts that are remaining on my file that does not belong to me are XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX these accounts have been removed from the other reporting companies as they where found fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate & unknown things on my credit report. To this day over XXXX days later I have not received a response yet. Section 611 ( a ) it is plainly sated a failure to investigate these items in XXXX days gives a reason to immediately remove those items from credit report. It has been over XXXX  days so they should be deleted promptly. My information was also impacted by the XXXX data breach & may have got in the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, XXXXOpened a XXXX exchange account with instructions from Person 1 XX/XX/XXXX, XXXXWaiting on funds transfer {$3000.00}. {$2900.00} made it to XXXX  account from XXXX Person 1 instructed me to open XXXX account XX/XX/2022 Trying to withdrawal funds from XXXX money was pulled from USAA personal banking instead of depositing money. I was getting sent in circles by both Person 1 and Customer Service on pulling the money out. When they asked why I explained it was because the trading platform XXXX was not able to use the funds. While getting instructions from Person 1 and Customer Service from XXXX how to transfer money from XXXX back to USAA personal banking more money was withdrawn from my USAA personal bank account in the amount of {$6000.00}. Quickly this money was depleting. This totaled {$5800.00} in XXXX. Money kept dropping each day down to {$5700.00}, {$5600.00}, {$5500.00}, {$5500.00} XX/XX/2022 My money in XXXX was still frozen and was in the amount of {$5300.00}. The 2FA security was having problems with the transfer. Each time the transfer was rejected. 
XX/XX/2022 USAA personal bank had a credit of {$2900.00} XX/XX/2022 Person 2 explained that it could be because of the amount that was in the account. Person 2 encouraged that I use a better platform and that I transfer {$10000.00} to XXXX. 
XX/XX/2022 money is transferred back to USAA XXXX bank from XXXX due to it being the wrong platform. It was supposed to be XXXX. 
XX/XX/2022 money is transferred to XXXX in the amount of {$10000.00} I was able to use {$26000.00} to invest with under the instructions of Person 2. 
While getting instructions when to trade I was able to increase my funds to {$48000.00}. After fees were drawn the amount decreased to {$45000.00}. 
XX/XX/2022 money is wire transferred from XXXX back to USAA personal bank account due to unforeseen circumstances. Person 2 was not happy but she was willing to help with the withdrawal process. That same day during a trade on XXXX a deal CLOSED without my approval dropping my funds % 100.7 % even though the market did not reflect this drop.