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

A female called me stating she was from Chase Fraud department and sounded so convincing and verified me with me via text message. She stated that my accounts had been compromised and that I needed to have my accounts blocked and will receive new debit cards. She stated that she needed to walk me through the transaction to finish it and had the bank on the other line and that my funds will be fine and if it was removed that it will be replaced. She also verified my home address and told me my debit cards will be sent out within 2 days. Later I logged back into the account and saw the money was gone and called the bank and that is when they told me that no one from chase called me and that is when I filed a claim. They told me that the transaction was in pending status and that they were putting an urgent rush on it to stop the transaction I should hear back next week Tuesday or Wednesday. And then they transferred me to another department because I stated that I feel like my other information and accounts were compromised so when I was transferred the guy put a block on the one account that came from the wire and stated that it should not take that long for them to figure out if the transaction has gone through or not and he transferred me to the claims department. The claims department stated that the transaction has already gone through and told me that I was the one that made the transaction so it was not too much he could do and to go through the customer service chat for assistance. I stated to him that I was already transferred a couple of times and that customer service will more than likely send me to someone else and that was not helpful. I eventually asked to be transferred back to the transfer wire bank department and from there I have been on hold for at least 40 minutes now with nobody picking up. It seems that Chase is not helpful after all but only throws stuff in my face that I made the transaction after they clearly said that they would do everything they could to get my money back and they did not. I did find out this information from another department on the person that stole and falsified their identity XXXX account lives in XXXX, FL / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Address ( Transaction went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX person name : XXXX XXXX On my end, I still show that this transaction is still pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax they said they were not able to remove inquires I've sent letters than she said she will remove XXXX and then they sent a email with stupid adding my name very disrespectful I would like to file and complaint and remove all inquires on my account they were unauthorized. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX sale
Product: Debt collection

I was contacted in XXXX 2015 by Mountain West Legal pertaining to a debt that was owed on Oregon case number XXXX This case was taken over from XXXX XXXX XXXX XXXX. I revived court documents from Mountain West Legal from the XXXX XXXX Courts advising they had taken over the case. 

I spoke with a XXXX XXXX XXXX from the company and came to a resolution of making payments of {$270.00} a month starting on XXXX XXXX 2015. Payments were made by automatically being withdrawn from my account. Payments were debited through XXXX 2015 then stopped. 

I attempted phone contact with Mountain West Legal but was unable to connect to any of the numbers given. I was advised the numbers had been disconnected. I then sent an email to XXXXXXXXXXXX ( The XXXX XXXX XXXX I had spoken with via email in XXXX ) and received no response. I attempted to call numerous more times with no luck. 

At this point I thought the debt and issues were handled. 

I am attempting to purchase a house and have found that the judgment against me XXXX is still listed as " Unsatisfied ''. I have searched the internet for contact information and have still not found any that allows me to contact this company.
Product: Credit reporting

I disputed information on my Credit Report with Experian and XXXX. Both refuse to delete old accounts that are past the exertion dates or take of accounts like my old IRS bill that has been paid even after submitting proof. They will not allow me to dispute inaccurate information because they said I have already disputed it before even though things have changed since them, ie IRS.
Product: Bank account or service

HiI previously lived in XXXX, XXXX and at the time of move to XXXX ( 2008 ), I opened a Bank of America account to make use of their national branches. I opened the account at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I was provided a checkbook obviously with a routing number and account number. I used that routing number since 2008. In XXXX of this year I ran out of checks with my account and requested a new checkbook through Bank of America 's website. Unbeknownst to me ( without any notice ) Bank of America changed my routing number. Around the same time, I filed my taxes with a firm that filed my taxes last year. They used my routing number and account number they had on file. My check with the IRS bounced since the IRS was using the " old '' and now expired routing number. Also, my refund with the State of Virginia was deposited into my account also because of the routing number error. I contacted Bank of America to alert them to this matter but have not yet received a satisfactory response. I subsequently sent a check to the IRS and am in the process of clarifying the error with State of Virginia. I have also updated as many e-check/auto payments as I can remember but I am concerned that checks/electronic payments that I have not yet updated will bounce. Bank of America has not provided me with any set of procedures or accounting for payments that do not get processed as a result of the change of routing number. I am concerned about my credit and not honoring payments as well as not receiving payments, such as the State of Virginia tax return.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating XXXX consumer to any consumer reporting agency if the person knows or has reasonable cause. to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my car was totaled XXXX insurance as well as my GAP protection paid off the remaining balance of the auto loan, yet the Chase Auto continues to ignore their duty and remove the negative error from my credit reports.
Product: Credit reporting or other personal consumer reports

Subject : Reporting Privacy Violations and Inaccurate Credit Reporting by MOHELA writing to report serious privacy violations and inaccurate credit reporting by MOHELA XXXX Missouri Higher Education Loan Authority ) regarding my student loan account. The issues began when the servicer was changed from XXXX to MOHELA, not only reporting more inaccuracies but accounting information that was disputed prior and when I discovered that MOHELA had been reporting my accounting information in a manner that violates the Privacy Act of 1974 and infringes upon the protections afforded by the Family Educational Rights and Privacy Act ( FERPA ). Sensitive financial and educational data related to my student loan account has been disclosed to unauthorized parties without my consent.

Furthermore, despite regulatory requirements, MOHELA has failed to provide me with the monthly opt-out option, as mandated by 16 CFR 313.15. This failure to comply with regulatory mandates deprives me of the ability to control the dissemination of my personal information and raises concerns about MOHELA 's commitment to consumer privacy and transparency. 

I have taken several actions to address these issues : XXXX. XXXX : Discovered unauthorized disclosure of sensitive financial and educational data by MOHELA. 
XXXX : Contacted MOHELA to inquire about the unauthorized disclosure and request an explanation. 
XXXX. XXXX : Submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding MOHELA 's privacy violations and failure to provide the opt-out option. 
XXXX. XXXX : Notified all major credit bureaus of the inaccuracies in my credit report caused by MOHELA 's erroneous reporting. 
XXXX. XXXX : Submitted a 1099-C form to the IRS for cancellation of debt related to my student loan account, which should reflect in my account status. 

Despite these actions, the privacy violations persist, and MOHELA 's inaccurate credit reporting continues to negatively impact my creditworthiness.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 XXXXXX/XX/year> TransUnion 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 XXXXXXXXXX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I had my bank send through bill a check for {$500.00}. They recieved it on the XXXX and account closed cycle on the XXXX, They charged me interest. I called to find a resolution today and they informed me while they recieved the check on the XXXX but it wasn't processed until the XXXX of XXXX. I am not responsible for there internal processing. I had the check delivered on time and demand my interest back. They seem to do this - to force people to pay interest. It is a deceitful practice. 

XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for a loan through Mobiloans to help improve my credit score by making regular payments. I was approved and made every payment on time and paid in full successfully. I noticed that they had not reported any information to XXXX or XXXX. I called Mobiloans customer support on XX/XX/XXXX to inquire about why it has not been reported to all three agencies and also to ask them to report it. They told me that I would have to send them an email with the request to XXXX - I sent the email request on XX/XX/2018. In the email I clearly stated that I would like my loan account and all payment information reported to all three credit bureau 's ( XXXX, XXXX & XXXX ). I also indicated my name, email address, phone number and my loan account number. I never received a response indicating that they had received the email or if they were investigating my request. I called mobiloans customer support line again on XX/XX/XXXX to inquire about my request and to ask why I still have not had a response. They told me to send the request again and also copy the support email box and they would make sure the information was going through and the request was being handled. On XX/XX/XXXX I forwarded my original email and also included additional information and sent it to XXXX and XXXX. As of today, XX/XX/XXXX I have still not had any response from Mobiloans. They have not acknowledged that they have received my email requests and they have not made any attempt to contact me with any information regarding my request
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, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 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.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it againXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

My fianc and I are set to close on our first home on XXXX, and we are stuck in an urgent situation with our Wells Fargo mortgage. We are reaching out in the hope that you can help us, because the Wells team we're working with are not able to.

Here is the story : 1. We transferred $ XXXX of assets for the Relationship Discount 2. A Wells Fargo employee issued incorrect contracts ( the interest was calculated without the Relationship Discount ) 3. XXXX XXXX sent those incorrect contracts to my fianc to sign 4. My fianc signed those documents on the understanding that they were the correct documents 5. I have not yet signed the documents Our mortgage broker has advised that Wells Fargo is reneging on the relationship discount completely. Wells Fargo is taking the completely illogical position that because one party has signed the agreement, the only way to change it is to cancel the transaction and start again. 

At $ XXXX over the 30 year, that would cost us {$140000.00}.
Product: Vehicle loan or lease

My title was paid off last XXXX. I requested that it was sent to my parents address on XXXX XXXX in XXXX, XXXX Capital One never sent anything. I was unable to get into my online account. I recently purchased a new vehicle because my last one had mechanical issues. Capital One claims to have sent a document I can take to the DMV. I still dont have my title or that document. I can not complete my transaction for my new vehicle until I get that title to the dealer. They breached the contract and violated the law. I paid all of my vehicle payments and I am entitled to a timely copy of my title documents. One year should be enough time for them to get my title sent to me. Moreover, the burden and payments for getting a replacement title should not be on me, as it was not my responsibility for getting these documents. The finance company should not be able to shift their breach of contract onto the postal service.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft WF/XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Checking or savings account

I am writing to express my profound dissatisfaction with the recent actions taken by Bank of America regarding the closure of my longstanding accoun

t. As a loyal customer for over a decade, I have invested considerable trust and confidence in the institution 's services. However, the abrupt decision to terminate my account has not only inconvenienced me but also jeopardized my ability to engage in financial transactions with both Bank of America and other institutions. Despite possessing a comprehensive understanding of banking practices, I found myself confronted with an unjustifiable closure and subsequent limitations on my banking options. Within a brief span, I inadvertently filed three claims, each stemming from legitimate grievances. The first incident occurred during the week of XX/XX/XXXX when malfunctioning washers at a laundromat necessitated my involvement in multiple refund requests. Despite my efforts to rectify the situation through the appropriate channels, I was met with unsatisfactory resolutions, exacerbating my financial inconvenience.

On XX/XX/XXXX, a XXXX transaction for services not rendered prompted further action on my part. Despite attempts to communicate with the recipient, my efforts were fruitless, leaving me at a loss.

Furthermore, a purchase of a money order at USPS on XX/XX/2024, resulted in a protracted ordeal involving XXXX XXXX. Despite the tardiness in their response, compounded by the partial completion of the money order, I diligently pursued resolution to no avail. Throughout these challenges, I diligently engaged with Bank of America, seeking clarification and recourse for each issue. Regrettably, the limitations imposed on the number of claims within a specified timeframe hindered my ability to seek redress adequately. Moreover, a recent incident on XX/XX/2024, wherein my card malfunctioned during a transaction at XXXX, further underscores the deficiencies in Bank of America 's service. The subsequent interaction with a customer service representative, characterized by a lack of comprehension and relevance, only compounded my frustration.

In light of these events, I implore Bank of America to reevaluate its policies regarding account closures and customer service. As a loyal patron, I deserve transparency, accountability, and timely resolution of grievances. Failure to address these concerns adequately will compel me to explore alternative banking options. 

.
Product: Debt collection

I disputed this fraudulent debt with Midstate Collection Solutions Inc. numerous times.

Please note that I have downloaded a couple of the Dispute Letters as well as the latest response from Midstate Collection Solutions Inc . I simply ask that they verify and validate the debt by providing me a copy of a contract that has my signature as require by law, however they refuse to do so and only sent a billing statement of which I also downloaded. The billing statement was sent from their Attorney.

I disputed this fraudulent debt with XXXX and they informed me that Midstate Collection Solutions Inc. refused to delete it. I have also included a Fair Debt Collection Practices Act Fine Schedule which clearly states the violations of which Midstate Collection Solutions is liable. I also have researched their Company and have found that there are many complaints about their NEGATIVE PRACTICES. I will mail a INTENT TO SUE LETTER once I complete this complaint. Surely Midstate Collection Solutions believe they are above the law. I also investigated a found that this fraudulent debt was created at XXXX  XXXX XXXX  XXXX XXXX with XXXX XXXX the date of XX/XX/XXXX. This is XX/XX/XXXX. Surely this Debt has been RE-AGED!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX mortgage was paid off in XX/XX/XXXX Yet, it reported on Equifax behind 120 days in XX/XX/XXXX from XX/XX/XXXXthrough XX/XX/XXXX. This is impossible as the mortgage was already paid in full. Both XXXX  and XXXX are reporting this correctly. Equifax is the only one not reporting correctly and I've reached out to them numerous times to correct this erroneous information.
Product: Credit card or prepaid card

I received a call from " XXXX '' XXXX ( my computer security company )  telling me they are going out of business. He said XXXX wanted to refund my {$200.00} lifetime security payment on my MasterCard. I said fine. He asked me to wait while he refunded the {$200.00}. Then he said " Oops '', he " accidentally '' refunded {$3200.00} on my MasterCard instead of {$200.00}. He invited me to check and confirm this on my online MasterCard account which I did while we were on the phone. I saw the entry for {$3200.00}. He said they could " enter '' a charge on my card but could not " delete '' a charge or " change '' a charge on a credit card. I therefore owed them {$3000.00}. I believed him because I saw the {$3200.00} " refund '' on my online MasterCard account. 
He asked me to go to my local XXXX XXXX, buy a {$3000.00} gift card, then give him the gift card number. He stayed on the line while I walked to the XXXX XXXX. I had to buy two {$1500.00} gift cards on my MasterCard because XXXX doesn't sell {$3000.00} gift cards. I read him the numbers. We hung up. 
When I got home I became suspicious and called XXXX. They ARE NOT GOING OUT OF BUSINESS. THEY DID NOT CALL ME. They don't call people. They email only. It was a scam. They didn't do it and couldn't do anything to correct it. They suggested I call MasterCard. I received a call from " XXXX '' security ( my computer security company ) telling me they are going out of business. He said XXXX wanted to refund my {$200.00} lifetime security payment on my MasterCard. I said fine. He asked me to wait while he refunded the {$200.00}. Then he said " Oops '', he " accidentally '' refunded {$3200.00} on my MasterCard instead of {$200.00}. He invited me to check and confirm this on my online MasterCard account which I did while we were on the phone. I saw the entry for the {$3200.00} " credit ''. It later disappeared.

He said they could " enter '' a charge on my card but could not " delete '' a charge or " change '' a charge on a credit card. I therefore owed them {$3000.00}. I believed him because I saw the {$3200.00} " refund '' on my online MasterCard account. 
He asked me to go to my local XXXX XXXX, buy a {$3000.00} gift card, then give him the gift card number. He stayed on the line while I walked to the XXXX XXXX. I had to buy two {$1500.00} gift cards on my MasterCard because XXXX doesn't sell {$3000.00} gift cards. I read him the numbers. We hung up. 
When I got home I became suspicious and called XXXX. They ARE NOT GOING OUT OF BUSINESS. THEY DID NOT CALL ME. They don't call people. They email only. It was a scam. They didn't do it and couldn't do anything to correct it. They suggested I call MasterCard. MasterCard will not refund or credit the {$3000.00} back to my account because it was " Voluntary on my part ''.