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

On XX/XX/2021, I was contacted by someone claiming to be someone who can help me financially. As someone who When I reluctantly accepted, they sent me a check for {$4500.00} which I deposited into my bank. On the next day, however, they began threatening to report me for theft to the authorities and demanded the money back. Over the next two days, I sent back two payments of {$1500.00} because that is the max allowed for me to send each day on XXXX ( via Huntington Bank ). But this morning ( XX/XX/2021 ), when I went to make the final payment to the individual, I saw that on top of the {$3000.00} I already sent, an additional {$4500.00} was withdrawn from my account; leaving me a balance heavily in the negatives. I immediately contacted my bank ( Huntington Bank ) and was told that there is pretty much nothing I can do besides paying back the negative balance despite having already paid two thirds of the balance. So unless I get some help, I am in the hole for the foreseeable future. Never trust people who claim to be generous and giving. They're all scammers.
Product: Debt collection

I have mailed out a letter asking for validation on XX/XX/19. Im waiting on a response from the company. I keep receiving multiple calls throughout the whole day and I have asked for this to stop. They continue to calm me repeatedly without responding to my mailed correspondence. A letter to cease will be mailed next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found my account with Lincoln Technical Institute was charged off as a bad debt, profit loss or write off. The account is listed as being closed and in collections as a charge off. I spoke wit a representative at Lincoln Technical Institute ( XXXX ) XXXX and in their system it shows the account as being up to date. Payments have been made monthly and on time since XX/XX/2011 as an automatic withdraw from my account. The representative could not find any information in their system that says I'm not in good standings with my account.
Product: Debt collection

Information was false. Did not owe the debt. Company did nothing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to get connected with the Office of Consumer Affairs with both a CSR and a supervisor to resolve issues with my credit file. Consumer Affairs refuses to take my call and say they can not help.

I pull my report daily and each time I pull the report ( using TrustedID provided by Equifax ), it adds an entry for a soft pull. On two previous occasions, I have been unable to pull my reports and have had to call Equifax. They then connect me with Consumer Affairs to assist me with the issue. Consumer Affairs states that they have to send my file over to internal IT to have the file cleaned up - which takes a couple days. Eventually, I am able to continue pulling my credit report again - after Equifax internal IT has cleaned up the file ( I assume they are removing the soft inquiries manually ).

As mentioned, I have been through this process twice before. Each time, it has been extremely difficult to speak with someone in Consumer Affairs, but eventually I have spoken with someone and they have been able to help. 

This time, however, they will not take my call. The Equifax CSR and her supervisor do not understand what I am asking for and Consumer Affairs rejects the transfer each time. I just want to speak with Consumer Affairs to get my issue resolved. I am sure that after I speak with someone in that group, it will be a very easy conversation. This is much more headache than it needs to be.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Wakesfield and Associates account 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 instruction. 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 instruction. In accordance with the Fair Credit Reporting act XXXX XXXX account 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 instruction.
Product: Checking or savings account

on XX/XX/2019 my cell phone was misplaced. Two and a half months later I found it. I contacted my carrier and told them that I found another carrier ( cost was 1/3 of XXXX ) and wanted to switch. They immediately locked my phone and refused to free it for several months. I finally gave up and paid the ransom of {$140.00}, then switched to XXXX XXXX and received a new phone and phone number. I called the bank ( USAA which claim to cater to service members and vets ) and gave them my new number and told her that they could send the code to that new phone number. She replied that oh no they could not do that. Only to the number on record. As long as I had been a customer at USAA I was also unable to receive emails from them even though they had my correct address. So I was still not able to receive, thus respond with any codes thus not able to access MY account. I filed a complaint with the XXXX  which went nowhere. After not accepting their responses which basically changed nothing, the XXXX said that they had responded to my complaint, so case closed. Meanwhile, it has been almost ten months and I stilll can not see my data. What would you do if your bank suddenly allowed you no access to you account activity or account balance?
Product: Credit reporting or other personal consumer reports

I saw inaccurate accounts on my credit report today, and I dont know why they are there. When I checked my report as I normally do, I noticed some errors that suddenly appeared. I tried refreshing the page to see if it was a technical issue, but the accounts stayed. Therefore, Im requesting a careful examination of the documents Ive provided to ensure this doesnt happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my strong dissatisfaction with the credit reporting agency. Despite my many attempts to fix the problem, they have consistently ignored my requests and shown a lack of commitment to making sure credit reports are correct. I sent disputes on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX. However, Experian, XXXX, and XXXX chose to ignore my previous complaints. It's clear that they didn't have good procedures in place, which led to credit reports that are not as accurate as they should be. According to the rules, Experian, XXXX, and XXXX are supposed to investigate and respond to my disputes within 30 days. But I haven't heard anything from them, and they haven't made any effort to look into the mistakes in my credit report. This situation has caused me a lot of stress and frustration. I trusted these credit reporting agencies to handle my information responsibly, and their failure to address my concerns has made the problem even worse. I demand that they quickly investigate thoroughly and give me a satisfactory response about the mistakes in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform the Consumer Financial Protection Bureau of the willful, reckless and negligent inaccurate reporting of the below information on my credit file by TransUnion. TransUnion refuses to provide me with any proof that I authorized the companies listed to receive my credit report. 

XXXX XXXX XXXX XXXX, this inquiry is showing that it was pulled in XXXX XXXX, XXXX XXXX   XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX and again in XX/XX/XXXX. 

Therefore, the XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, and XXXX XXXX   XXXX, ( pulled twice ) inquiries need to be removed from my credit file from TransUnion. 

I would like to be provided proof ( via wet ink signature on the documents ) that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I do not consent to XXXX for means of verification done by TransUnion. 

I do not recall authorizing the following inquiries and demand they be removed from my credit file from TransUnion.
Product: Vehicle loan or lease

I wanted to buy a house so the XXXX  said I had to build my credit and I had a car that was paid for XXXX XXXX XXXX XXXX good condition and I used it to trade it in a complete auto sales in XXXX XXXX XXXX  for a XXXX XXXX XXXX which turned out to be a lemon not only did they used paperwork from the previous day purchase of a XXXX XXXX XXXX XXXX day and took it back the next day and ended up with the XXXX but they use the same paperwork as XXXX XXXX as my signature and also done a hard inquiry about XXXX times going back to the XXXX XXXX unable to take the tires off because they didnt supply me with a jack or spare tire not only that I can not get the right rear tire off. XXXX take it to every major tag company and no one can get it off.and knowing that it would put me in grave danger if I was to get on the highway and have a blowout!! not only that they charge me a very high interest rate, I had it I had a XXXX XXXX of XXXX and the interest rate in a be in XXXX  % & also added on additional charges and fees after I had signed using aggressive sales tactics so Im asking for not only compensation for the mental and physical toll this has taken on me but my automobile back my XXXX XXXX XXXX if not some similar {$12000.00} would be a reasonable compensation
Product: Credit card or prepaid card

I did n't make these charges : XX/XX/2017 XXXX XXXX Il {$190.00} XX/XX/2017 XXXX XXXX XXXX XXXX Wa {$590.00} XX/XX/2017 XXXX XXXX Pmts XXXX Wa {$150.00} XX/XX/2017 XXXX XXXX Ny {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These two addresses are reporting on my credit report I never lived here please removed incorrect addresses thank you XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Product: Vehicle loan or lease

I bought my 1st car XX/XX/XXXX I have got car XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX have two final sales paper the say selling price XXXX total due XXXX cash down XXXX ( XXXX ) but balance due XXXX so XXXX I was finance and XXXX finance charge my XXXXXXXX XXXX XXXX PAC FINANCE  TOLD XXXX to fix the calculations on the paper .this is where the other final sales paper come in .my XXXX XXXX XXXX the I was finance XXXX and the charge XXXX with XXXX down total payment will be XXXX. My Apr should not been that high at that time I had credit score XXXX and I have co signer her credit score was XXXX... XXXX I have been paying XXXX monthly I miss 1 payment that was during the pandemic. About XXXX add on the bill.i feel I'm getting rob for my money .I m getting harass by pac finance about paying the bill and I'm not even due yet .I keep telling them stop harassing me.they calling then they put nagitive reports on your credit report.
Product: Credit reporting or other personal consumer reports

Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide below In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX # XXXX ( {$370.00} ), XXXX XXXX XXXX XXXX  # XXXX ( {$150.00} ), XXXX XXXX XXXX, XXXX # XXXX ( {$4900.00} ), XXXX XXXX XXXX  XXXX # XXXX XXXX {$390.00} ), XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX ( {$450.00} ) 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: Mortgage

In XX/XX/XXXX, I pre-qualified for a VA Loan for {$140000.00}. I found a house in XX/XX/XXXX, was under contract. I made an earnest deposit for {$1000.00}, and paid {$450.00}, for an inspection, and then another {$450.00} for the VA appraisal, passed inspection with a minor issue, which the seller resolved immediately. I received a list from the loan processor, about what needed to be done, in order to close on the home. The issue that came up was that I needed {$4500.00} in closing cost. The loan processor told me that it would okay to apply for a personal loan to cover the cost. I was approved at a different bank, and I forwarded him the loan papers, and the bank statement showing that the funds are in a bank account. He called me the next day and told me that the credit review team wasn't going to grant me the VA loan, because of the personal loan, in which he advised me that it wouldn't be a problem. He offered me, a different loan called military choice, I agreed to avoid losing the home. Then he called me on XXXX XXXX, and advised that I was not getting a mortgage at all. I have been with my employer for 2 and 1/2 years. I work year round and showed proof that I will be receiving a raise in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX, and equifax 5 or 6 times questioning the reporting of this unknown account XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX ) each time it comes back verified ... I have no idea what this account is ... .i am writing this complaint not only because i have no idea what this is but they are reporting the account on my report twice... they are double dipping which is a violation of my consumer rights...... the bureaus should be held accountable for the pencil whipping they do... I need these accounts removed from my reports immediately ... i have included and attachment
Product: Credit card or prepaid card

I paid merchant {$89.00} + {$99.00} for services that were cancelled due to COVID-19. The merchant sent out an e-mail explaining to customers that they could request a refund no questions asked. I accepted their offer and requested a refund total of {$180.00} for the cancelled services and was refunded. However, my account was charged by the merchant again unauthorized. I have contacted XXXX to dispute the charges and the merchant requesting refunds for this second set of charges. I have spoken to several XXXX customer service representatives and they reassure me that they see the mistake and that the merchant has recharged my account after processing a refund, they reassure me that I should see the full refund of {$180.00} in my next billing statement and it has not been processed after 11 months of countless disputes.
Product: Credit reporting or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/scrub> 2023, a payment was sent via XXXX to a private person for a private medical service. The website requests you use XXXX to send payment of {$100.00} and once said payment is made the same page requires a second payment for the amount to be paid on the page via a secure payment portal. I did cancel the order with said vendor and reached out for a refund. I never received a reply to my refund request nor did i receive said service, however i tried to dispute the transaction as fraudulent with my bank at the time PNC and was advised the payment was correct and didnt not return the funds
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted my dispute to all 3 major credit reporting agencies and I havent received any correspondence from neither reporting agency and I have proof of my dispute was delivered and it is pass the 30-45 mark. 
XX/XX/2022 XXXX XXXX {$1500.00} XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX {$19000.00} XX/XX/2022 XXXX XXXX XXXX {$610.00} XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX {$150.00} XX/XX/2022 XXXX XXXX XXXX {$1300.00} XX/XX/2022 XXXX XXXX  XXXX {$2200.00}
Product: Bank account or service

I opened a joint Capital One 360 checking account online with my partner for the sole purpose of having our federal income tax refunds deposited into it. We both had to answer security questions to verify our identity. Both of us answered correctly. Per our request, Capital one mailed out our cards to a trusted friends address due to us having a huge mail theft problem in our area. We had no problems with the account until the day our refunds were deposited. Spoke to a CSR that stated our account was closed after further internal review after the account was opened. Even spoke to a supervisor that stated the refunds would be rejected. They did accept the refund deposits. Now we have over {$8200.00} in that account which we are being denied access to.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$580.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

The purpose of this writing is to update your agency about the progress of Wells Fargo to make me whole under CFPB-0011 In the Matter of Wells Fargo Bank N.A.. 

As directed by your agency, if I did not hear from the bank by a certain time your instructions were to call the Wells Help number your agency provided. 

Wells Fargo has issued me a assigned case # XXXX by letter dated XX/XX/XXXX in acknowledgement that I am a customer harmed by their mortgage fraud. 

This information below illustrates the value of my financial loss. 
Sales record from the XXXX XXXX XXXX of taxes website :. 

The current Fair Market value is {$420000.00} Date of Sale Sale Price Book Page Condition of Transfer XX/XX/XXXX {$480000.00} XXXX XXXX XXXX  XX/XX/XXXX {$340000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$360000.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$160000.00} XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Note that since XXXX I had paid approximately {$100000.00} in mortgage payments to Wells Fargo N.A. of which documents can be supplied by a well respected financial analyst. 
Note that I paid cash of {$70000.00} toward the purchase of the home to XXXX XXXX. 
Note that all my personal property after the sale of of my home on XX/XX/XXXX was thrown into a few dumpster loads. I estimate about {$10000.00} of personal property loss. ( includes appliances, furniture, garden tools etc. and other personal property )
Product: Credit reporting or other personal consumer reports

I had contacted Experian report # XXXX regarding information they are reporting and they did not provide me proper notification according to 15 U.S. Code 6802 and they refused to provide me with any proof that proper notification was made to me.
Product: Credit reporting or other personal consumer reports

Validation of alleged debt should be the proper documentation Please provide the original promissory note that was signed between us.Documentation to validate debt. 

After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks.XXXX. I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

A response stated to contact another agency. I do not owe any alleged debt sold for a price. If the alleged debt was sold with my private information please provide the 1099c or XXXX XXXX for proper documentation along with removing from credit report.
Product: Credit reporting or other personal consumer reports

This is in regard following account ; Alleged Creditor : XXXX XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY. 

Attachments : Driver License, Social Security card, FTC Reports, Police Report.