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

I got a US Bank reliaCard through Ohio unemployment. Card was loaded with weekly unemployment compensation and I wanted some money transfered on my personal checking account with another bank. THe website provided an option called billpay. I went there and in the submenu you can chose a company or person. I chose person ( checking/savings ). i initiated the transfer on XX/XX/XXXX and everything went through on their site. See attachment. After 9 days, the money was still not on my checking account and I called US Bank help center. The lady explained to me that this option is not possible. ( but it went through without any problems ). Still dont know why the option is on their website when it does not work. either way, after an hour discussing with her we decided to dispute the transfer and get my money back on my Debit card. we went trough the dispute process, she filled everything out and asked me to upload a screenshot of that transaction screen. After we hung up, i tried to to login to upload that document only to find out, that XXXX cant login anymore and my card is canceled. called them again to find out. since that transaction is disputed a have no access to my money anymore. I have to wait till this is all resolved but i will get a new debit card. I fear my mony will be lost and uS bank works with my money as long as possible. 
Please help me get my money back, I need it.
Product: Credit reporting or other personal consumer reports

There is a Bankruptcy reported to my credit and credit agencies. I reached out to the clerk and she advised that they do not report to the credit agencies and I requested who gave information without permission. Please investigate.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Formal Dispute Regarding Unauthorized Access to My Credit Report Dear Experian, I am writing to formally dispute the unauthorized furnishing and/or obtaining of my consumer report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have reviewed my credit report and found that my information was accessed without my written consent, as required by law.

Under 15 U.S.C. 1681b, a consumer report may only be obtained for permissible purposes, and in many cases, written authorization is required. I have never provided such consent to Experian to furnish or access my credit information. If this entity claims to have a permissible purpose, I demand proof of my explicit written authorization allowing them to obtain my consumer report.

As this unauthorized inquiry or reporting violates federal law, I formally request the following actions : 1. Immediate removal of the unauthorized inquiry and/or account from my credit report.

2. Written confirmation that the disputed information has been deleted.

3. A copy of any documents or records showing my written authorization, if any exist.

Failure to comply with this request may result in legal action, including a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ). I expect a response within XXXX days as required under the FCRA.

Please send your response in writing to my address listed above. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans on my credit reports from XXXX, XXXX, and Equifax that are listed 3 different ways and being duplicated. One one platform they show paid 100 % and closed and on another platform they show collections. They are not in collections and have be either paid in full to creditor XXXX  or is currently in full repayment by a graduated loan to the Dept of Ed/XXXX. The loans are listed as SC Student Loan , Dept of ED, and US Dept of ED. ( also as US Dept of Ed/XXXX/XXXX, Dept of ED/XXXX/XXXX  ) I have worked out a spreadsheet that shows the loans, the dates they were opened and the amount to cross reference how they are all listed differently across platforms. They are not in collections and stem back as far as XXXX. I have a letter from XXXX where I have satisfied a loan amount with them for an offered settlement of over {$40000.00}. I am currently paying XXXX/Dept of Ed for a loan over {$35000.00}. So my debt is taken care of. I have disputed these and they are not budging to remove them from my report. It is significantly affecting my life and the ability to get something as small as a car loan. I would like this removed as they are extremely old and the information is not correct. I have tried taking care of it myself with no luck. XXXX  seems to be the only platform working to remove any negative information but Equifax and XXXX are not. I do not understand how a loan can be marked as paid 100 %, pays as agreed, or Paid and closed on one platform but another shows it as not paid and in collections. This information is inaccurate. The loans run from XXXX-XXXX. Closed dates are from XXXX-XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

There have been three fraudulent accounts opened using my identity with Uplift , Inc. I have submitted the Uplift , Inc. Identity Theft Submission Form twice now ( XX/XX/2023 and XX/XX/2023 ), and have not received a response from this company. In fact, Uplift , Inc. has sent these accounts to collections as of XX/XX/2023 ( XXXX XXXX XXXX XXXX XXXX ) despite me providing all of the information requested to support that these accounts are fraudulent due to identity theft. I have informed XXXX XXXX XXXX XXXX XXXX that these accounts are fraudulent. Uplift , Inc. is operating as a dishonest business that has failed to respond to my requests for these fraudulent accounts to be removed from my identity. The resolution I am requesting is for these accounts to be marked as fraudulent and removed from my identity.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, & XXXXXXXX XXXX : Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX Account XXXX XXXX, XXXX bank 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 instructions
Product: Debt collection

Phoenix Financial Services has placed a collection on my report in the amount of {$350.00} for a medical debt which is not valid, does not belong to me, but also violates my HIPPA laws as I have never signed a contract with them or given them access to my medical records. I do not have any knowledge of this alleged debt nor have I ever received services from Phoenix Financial Services. I have disputed the validity of this debt as well as questioned if they are authorized to collect this alleged debt. This alleged debt that has never been validated has caused irreparable harm to my credit and credit score. I will be following up with more letters to the credit bureaus and to the company after seeking legal representation for violating HIPPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to experian and XXXX to update my credit profile and remove inaccurate and fraudulent addresses, names and other information from my credit profile and they have refused to do so. i asked them to delete all of the following information and they have refused. XXXX XXXX XXXX XXXX Mi XXXX, XXXX XXXX XXXX Mi. XXXX, XXXX XXXX XXXX XXXX Mi. XXXX, XXXX XXXX XXXX, XXXX, Mi. XXXX, XXXX XXXX XXXX XXXX, Mi XXXX. These addresses are inaccurate and fraudulent and they need to be removed. These names are inaccurate and need to be immediately removed, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Three months ago, I received a notice letter from Bank Discovery informing me that I owe this Bank a sum of more than XXXX dollars. The same day and immediately I called this Bank to let them know that it was not me. I am totally unaware of this credit, they told me that the information mentioned to obtain this credit was necessarily a fraud. I can only ignore this notice, the person I was speaking to told me. She will report this to the fraud department. A few weeks later, I have received a call from this department informing me that an investigation will be opened into this and they will inform me of this matter. 
Two week later to sent a notice that another notice that said this account open in XX/XX/year> to be valid- I completely ignore that, I was never open an account to this bank- This is not me- I would like that your Office to open an investigation into it - I think someone into this bank stole my Identity and used to this bank- I do not even know exitance of this bank- Please do some thing- Thanks so much
Product: Checking or savings account

I requested to open a savings account around XXXX  years ago. It was opened as a checking account and nicknamed savings so Wells Fargo charged me {$10.00} XXXX XXXX XXXX XXXX   for about XXXX years. When I requested a full refund of this nearly {$800.00} I was refunded {$45.00} and my case was closed.
Product: Student loan

Navient recently informed me that the company failed to capitalize my accrued interest when I entered repayment in XX/XX/2016, and that it would do so now. For the last two years, Ive relied on the amounts that Navient showed when making payments and suddenly they want to take an action to remedy their error from almost two years ago. Furthermore, instead of capitalizing the amount of interest at repayment going forward, Navient backdated the capitalization to XX/XX/2016. As a result, my loan balance increasedwith the incorporation of interest that wasnt actually accruing and that I couldnt have known about because Navient erred in servicing my loans. ( As reflected in the statements attached, specifically XXXX to XXXX. ) I called the company multiple times, and they refused to take any action, including removing the additional amount added to my loan balance as a result of their error.
Product: Mortgage

Wells Fargo refused to work with us. Husband had XXXX XXXX we got behind d on payments. Ended up losing our home after being there 10 years. Forced us to do short sale. On top of all the hassle they put us threw our realtors group bought the house a d using for a rental. We lost a lot of money because of wells fargo.XXXX.. please help.. thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, Equifax has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Equifax has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit card

On XXXX XXXX Aspire XXXX withdrew {$720.00} from my bank account at XXXX Bank without my authorization. I contacted the company with a request that the money be returned to me. At the time they said they would process the refund and that it would take up to 30 days. Today ( XX/XX/year> ) I called to determine the status of my refund and was told it was denied. They told me to call my bank, which I did. I have filed a dispute with my bank.
Product: Credit reporting or other personal consumer reports

I recently disputed a XXXX XXXX account that was reporting on all 3 of my credit profiles. I sent in a letter to all 3 Bureaus on XXXX  with a attatched letter from XXXX XXXXXXXX XXXX stating that per their investigation, the account was not min es and would be removed from my credit file. The account was removed from all 3 bureaus, however it is now reporting back on my Equifax account. Per the FCRA i was not notified by the credit bureau that this account was reinserted on my credit file. It has caused my credit score to drop drastically because of their inaccurate and unverifiable information. I am requesting that this account be removed from my Equifax report immediately.
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 confidentially under 15 USC 1681. 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.s 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Student loan

I already tried to connect and complain about this issue. I have $ XXXX   monthly payment plan, I keep pay {$600.00} but my balance doesn't go down at all. When i complained about this issue before, XX/XX/22, it was 7 months ago and my current balance was {$35000.00}. I made 7 payments since then {$600.00} x 7= {$4200.00} total but my balance only went down {$1000.00}. I dont understand this at all. Since I borrowed the loan I paid almost {$35000.00} but my loan only went down {$10000.00}. I dont believe this is correct, otherwise It looks like I have to pay back {$500000.00} to pay my {$45000.00} loan.
Product: Vehicle loan or lease

I have a Boat Loan with " Bank of the West '' .I have consistently paid my payments online, electronically through XXXX XXXX XXXX  since XX/XX/XXXX. I have never changed the method or the account from which I pay my monthly loan amount. In XXXX of XXXX they misapplied my scheduled monthly payment as additional principal. After weeks of threatening phone calls from them and collection letters they acknowledged their mistake. They advised it could take 10 days for them to clear up the mistake and in order for me to avoid them adversely reporting to the credit bureau I was advised to by them to make an extra payment. To avoid the hassles of clearing up the credit report dispute with them i made the extra payment and after they cleared up their mistake, they applied it to the following month. 

In XXXX of XXXX, I made my monthly payment as I always do, electonically through XXXX XXXX XXXX  to Bank of the West. This time, instead of misapplying my payment, they claim to have never received it. I have received threatening phone calls daily and I am now receiving mail. I always answer their calls and/or return their calls promptly. I have disputed their claim. I have provided them with a " Tracer '' number from XXXX XXXX. I have confirmed with XXXX XXXX that the payment was received by them and I continue to be threatened by them. 

The claims department from Bank of the West refuses to contact me and all my calls are intercepted by customer service who refuses to allow me to speak with anyone that can actually research the tracer number I am providing. All they do is state they will add my comment to their notes and someone will follow up. I never receive any follow up, just another collection call the following day.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to see unauthorized inquiries that I can't explain. I always review my credit report, but this time, there were unexpected discrepancies. I refreshed the browser, hoping it was a mistake, but the inquiries remained. Im asking for the documents Ive sent to be thoroughly reviewed so I can stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. I still have yet to hear any result and it has been over 60 days. I feel as though it is truly unfair and I am being taken advantage of and being ignored of my concerns and disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days, gives a reason to immediately remove these items from my credit report. Since it has been well over allotted time, they should be deleted promptly. I demand these accounts be deleted or I will file for litigation die to the stress you have caused me. My information was impacted by the Equifax data breach and may have got into hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX DOB XX/XX/XXXX XX/XX/XXXX To whom it may concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. I submitted my FTC report XX/XX/XXXX to remove the fraudulent account from my credit report. The unverified items listed below remain on my credit report in violation of Federal Law. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). 

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 

Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 


You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Verification XXXX XXXXXXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. 

Delivered in the presence of : XXXX XXXX
Product: Debt collection

My complaint is that the account is reported as {$1100.00} past due however they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing option proceeds and final balance after all fees applied, the value of this account far exceed the value of this loan this debt should be resolved as XXXX balance and reported as satisfied or paid in full. this account has been reporting inaccurately for the past 3 years and it has been hurting me and credit the entire time. I have already made the payment on this account and i should not have a balance on any of the credit bureaus please help me.
Product: Checking or savings account

I have been with Capital One bank for about 1 year. I decided to have my salary/commission from a contracted marketing job sent to my capital one account. 
They received the bankwire and then I tried to open a savings account but they did not let me. So I instructed them to bankwire my money from my capital one checking account to my XXXX XXXX XXXX investment account at another bank. Both accounts are in my name XXXX XXXX. 
They canceled my {$50000.00} first bankwire Wednesday, XX/XX/XXXX, and told me to call in as my account was restricted. I called in and answered all their questions and then they said that was great and to resend the bankwire for the next day. 
I then initiated the {$50000.00} bankwire again and Thursday they again restricted my account and I called in and they asked some more questions which I answered. ( which were the same as other day ) It was again back to normal and they told me the resend the bankwire and again they didn't send the bankwire, again. I called in this time and asked to speak to a manager and she took even more questions and verified everything again and then Monday I resent the bankwire and this time it was successfully transferred. 
I then wanted to send {$14000.00} more and they cancel that bankwire today to the same investment bank in my name and when I called in they stated that they no longer want to do business with me and will close the account and my fund are held. They told me they have no timeline to send the money back. and gave me the case # XXXX. 

I have told them it is not acceptable that they keep my money and that I will report them. They didn't care and told me the account was closed and I could call in the future to see if anything is new. 

This is not acceptable and I request my money sent via bankwire to me at another bank urgently!
Product: Money transfer, virtual currency, or money service

Im writing this complaint in regards of me not receiving my payment from a client from Robinhood. The client send {$300.00} ( XXXX XXXXXXXX ), but I never received it in my wallet. When addressing this issue with Robinhood they kept me waiting for a customer service representative for over XXXX hours, which they did not help me resolve the problem.