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

On XX/XX/XXXX, I received a text from what I believed was the Wells Fargo fraud department. It asked me if I authorized XXXX charges, XXXX for {$1000.00} and another for {$700.00}. I replied no. I received another text from the " fraud department '' saying they would contact me. This same process was actually used on XXXX different occasions approximately 15 years ago when my account information was obtained through an ATM and my account was used fraudulently. After speaking to the " representative '' they had advised me I needed to send the money back from XXXX which is run by XXXX XXXX  back to myself. The {$1000.00} was intended to be sent back into my account, the transaction even says my name, but once the transaction was complete I was disconnected. The money was not intended for anyone other than myself. I went to bed that evening thinking nothing of it because after all I had believed it was Wells Fargo ; until the next morning. On XX/XX/XXXX I called Wells Fargo XXXX  department where they led me to believe I was getting my money back within 10 business days. On the XXXX day, XX/XX/XXXX,, I called to where they informed me the case was closed because the scammers bank refused to return the money. They had closed my claim without even informing me! To alot of people {$1000.00} isn't much, to me it is. I have XXXX children and I work hard to save any money. I was led to believe I was protected by Wells Fargo online fraud protection. According to Wells Farg, this is not the case because it was through XXXX which Wells Fargo partners with. Apparently, after much research, Wells Fargo has returned some consumers money but not others. Those individuals they have returned the money to have had to seek outside help such as news stations and online sources. Wells Fargo has not and is not treating this situation with fairness to the consumer. I would appreciate the return of the {$1000.00} that was taken from my account.
Product: Credit card or prepaid card

I placed an order with Lane Bryant online on XX/XX/XXXX. 

I returned all items and received a confirmation email stating the funds were refunded and credited back to my credit card on XX/XX/XXXX and XX/XX/XXXX ( Please see attachment ) for more details I received a text from lane bryant on XX/XX/XXXX claiming the acct was beyond payment. 
I called in and spoke to a rep, she requested that I give her the tracking numbers which I did ... she stated she would forward the information to another department to have them investigate. I called in on XX/XX/XXXX to check the status and was told no dispute was ever entered. 

On top of that._ I was told my credit score would be affected. So I was forced to pay the min payment to keep this from going further. 

Also, The department that handles the online order can actually see on their end that the money was credited back, but for some reason, the credit card department has no record of it. 

My account should reflect a XXXX balance with no derogatory remarks ..Lane Bryant Comedity Bank has validated the law and I would like to move forward with the complaint/lawsuit
Product: Money transfer, virtual currency, or money service

On several occasions I have used the atm to withdraw funds which are in my account. Navy federal will deny the transactions and still charge you a fee. This is the most ridiculous scam Ive ever experienced using this credit union. On XX/XX/year> I used another atm because this credit union in nowhere to found in my state or even close to me. What they have done for several of my atm transactions is that they deny the transactions even with monies in my account and then charge me to access these funds at another atm. This is disgusting and unacceptable!
Product: Debt collection

On Thursday XX/XX/XXXX after coming home from work the US Marshalls were waiting at my house to XX/XX/XXXX me. once we arrived at the police station and my mug shot was taking they informed me that Medical Data Systems Inc had filed a law suit against me for a medical bill that allegedly belonged to me from XX/XX/XXXX with XXXX XXXX XXXX. I notified them them that i have had medical coverage thru medicaid consistantly since XX/XX/XXXX. Being that i have had full medical coverage since XX/XX/XXXX this bill should have never been sent out to me nor any collector account. I understand that under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacyand medical records from third parties. i do not recall giving permission for them to releasemy medical information to a third party. i am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with patients authorization. therefore my request is twofold, validation of debt and HIPPA authorization. Please send this information to my address which i am allowed under the FDCPA. Please not that withholding this information you recieved from any medical provider in an attempt to be HIPPA complaint scan be a violataion of the FDCPA because you will be decieving me after my written request.I request full documentation of what you recieved from the provider about this alleged debt. 
Additionaly, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to see damages from a collection agent. i will await your reply with above requested proof. i will also need the name of the person providing this data, and the way it was provided in order that i may pursue additional legal remedies if needed. if you can not obtain the infortmation from the origianl creditor along with proof of me having medical insurance within the requested time frame. ( 30 days ) please delete this account from my credit report.
Product: Student loan

I would like to request an investigation be launched into the lending practices of Peaks Private Loans. I submitted a complaint with the CFPB on XXXX XXXX, 2017 and received a denial reply from Peaks Private Loans. I was misled by XXXX XXXX XXXX to apply for loans which I was not, and never will be, able to pay off, due to the level of education and resources given to me by XXXX XXXX XXXX. Due to my income level, I have accrued an overwhelming amount interest on my loan and my loan is becoming increasing improbable to be paid off. Peaks Loan refuses to work with me to pay off my loans in a reasonable way. I have exhausted my forbearance allowances with them and my income-based payments will never pay even the interest accrued on my account. I have been trying to make the minimum payment each month but it is only going toward my interest. I now owe much more money than I borrowed and the principle balance has gone down very little, with the interest being thousands of dollars. I have paid Peaks Loan thousands of dollars over the last few years and have nothing to show for it. I borrowed this money in hopes of bettering my future and becoming a useful member of the job force but I am not working in the field I studied for, due to the lack of education given to me by XXXX. I have spent thousands of dollars in paying back the interest accrued on my loans for a degree from which I have not benefitted. I am in debt for a degree which is not very helpful in getting me jobs, from a school that was shut down because of predatory lending practices, and have ever-increasing interest from a company that lent me money knowing I wouldnt be able to pay them back on time. I contacted Peaks Loan through CFPB, bringing to their attention the sneaky ways in which they lent me money, and was sent a firm denial in return. I ask that your organization investigate their lending practices and refusal to work with my balance due, in light of the recent exposure to XXXX predatory lending practices, with whom Peaks Private Loans was involved. The education I received from XXXX was not sufficient to prepare me for the job market, the market which would afford me the salary to pay off my loans, that they promised. Please help me to be the asset to the economy which I sought to become when I borrowed from Peaks Private Loans. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there was an unauthorized hard inquires from XXXX XXXX XXXX on XX/XX/2018 on my Experian credit report that i did not make, i called Experian to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of Experian i get hard inquires things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from Experian or XXXX XXXX is working together using my info TO OBTAIN CREDIT.
Product: Checking or savings account

My issue is with Charles Schwab bank back in XXXX ( 3 months now ) I opened a checking account with Charles Schwab bank and it was fine I funded it used it a little bit made a few deposits without a problem so then I deposit some my work checks totaling almost {$8000.00} {$7900.00} roughly and still no issues the firs {$800.00} is made available to me then all of a sudden the account is locked without anything changing or without warning whatsoever and when I called about it they told me they had to run my credit in order to verify my identity because I locked my credit profile ( which I always keep it locked unless Im applying for credit which I was not in this case ) so I unlock it like they requested and its still not good enough for them they dont release the hold on my account ok so they tell me I can fax over some documents ( my drivers license and my social security card ) which I do still not good enough now they tell me I have to go to the branch which I explained is not possible with my work schedule and their hours of operation which is the whole reason I opened this account an online only account and after multiple phone calls and conversations with different representatives Ive gotten nowhere and I cant understand this for the life of me Ive done everything asked of me and theyre still to this day holding my money almost {$8000.00} dollars and refused to even close the account and give me a check for the money in my account which Ive requested and they wont do it or release my money in any kind of way which I feel like is ridiculous Ive tried everything I can think of and gotten nowhere so basically I just want my money back theyre holding it hostage and I dont understand why or how this is even legal to do to someone
Product: Debt collection

I had disputed an account with the three credit bureaus XXXX, Equifax, XXXX  that I didnt have any knowledge of. The account was named XXXX XXXX. It was negatively affecting my credit score. The credit bureaus removes this account on XX/XX/XXXX. I received a notification that my credit score went down 40 points, I was trying to figure out why. I didnt have any collections or any balances or anything. The same account was under a different collection agency XXXX XXXX XXXX on XX/XX/XXXX. Thats not and thats illegal. How can you place an account I have no knowledge of under a different collection agency after it was removed! This is negatively effecting my ability to obtain more credit. This isnt right or Fair!
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I've noticed that XXXX, XXXX and Equifax are reporting inaccurate information that is damaging my credit score. the following hard inquires on my credit report are inaccurate reporting XXXX  XXXX inquiry date XXXX, XXXX XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXX and XXXX inquiry date XX/XX/XXXX.
Product: Checking or savings account

Deep flaw in banking system, someone should take action to fix it. 
My checking account in XXXX XXXX ending with XXXX, was compromised and fraudulently some one withdrawn approx {$6000.00}. 
flaws in banking 1. if someone get your account number & checking number can initiate direct electronic withdrawal?? why there is no two step verification, if someone trying to do so at fist time?? 
why there is no confirmation process when large amount withdrawal is initiated 2. Errony, when I noticed some unauthorized is trying to link my checking account, i immediately informed bank to stop this merchant to make any transaction, but they failed!! link happed on XX/XX/XXXX and withdrawal done on XX/XX/XXXX. 
Why bank is not accountable for its carelessness, in spite of being reported promptly, they let fraud happed?? who is bearing cost of such flaws in system?? taxpayers?? 

3. Response from bank on next day XX/XX/XXXX - They take 3 days to block any merchant,, BUT can allow withdrawal in one day???? - this is totally unreliable, system 4. no 24x7 customer care- if someone want to complain about fraud- it can happen any time of the day 5. it was hard to explain agent - how to look for signs of fraud - being IT guy I know these, but unfortunately, they were not. 
6. Bank have no clue who has withdrawn money, which account number, location of merchant?? 
how it is possible?? if so it very dangerous to keep money in any of XXXX XXXX?? 
7. they just have a name of merchant - XXXX XXXX XXXX XXXX which I can see online 8. since when XXXX started steeling money directly from accounts - I have to relation with XXXX, why this type of common sense alert is not in banking system??? 

9. I have yet not received any money back- bank says may take up to 10 days -- - why do i suffer on bank failure?? who will be responsible if I dafault on credit card payment, or any other due??? 


Looking forward for clarification on above points, and let me know if there safe bank exist
Product: Debt collection

RUDE VOICEMAIL STATING I NEEDED TO CONTACT THEM IMMEDIATELY. LIMITED INFORMATION FOR DEBT. PRINCE PARKER AND ASSOCIATES EQUAL SCAMMERS. XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 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 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On Wednesday XX/XX/XXXX I was notified by my credit monitoring service that there was a change to my credit report. When I looked the message read, " you have one new 30 day late payment ''. I was puzzled because I work very hard to maintain a high score and payment history. After looking deeper into the report I noticed that GM FINANCIAL is the company reporting the late payment on the lease that I traded in to XXXX XXXX on XX/XX/XXXX. I have made every single payment on time and sometimes early. I called in to speak to GM FINANCIAL customer service on XX/XX/XXXX & XXXX  to clear up this matter. I was told that there was a letter sent to my home but I never received a letter. When I spoke to the rep.I was met with hostility and sarcasm on the XXXX. On the XX/XX/XXXX I called back to see if someone else can help, I spoke to the rep named XXXX and then to a supervisor named XXXX # XXXX and I was stonewalled by them both. They told me and I quote " we called and received no answer and we didn't leave a message, but on the XXXX someone picked up and hung up the phone '' They called my wife 's phone but never called my phone and I am the primary contact information. They admitted to me that they only called her phone on that day. That sounds like predatory, unfair practices on there part. If the loan is under my name and they don't call me that is not fair and again, I did not receive a letter from them. If they wanted me to receive such an important letter why wouldn't they send it certified mail. I am disappointed and frustrated with the entire situation and am requesting your help.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX ACCT # : XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX ACCT # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, account # XXXX, XXXX XXXX, account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX, account # XXXX, and 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 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: Credit reporting or other personal consumer reports

I am writing to dispute XXXX unauthorized Inquiry on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry 1 : XXXX XXXX  XX/XX/2023 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. 


Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I reached out to the XXXX XXXX XXXX regarding lowering my monthly payment. I spoke to a supervisor who informed me that my payment would change from {$1000.00} to {$900.00} and I will be notified in writing of the changes. I have yet to receive any new paperwork reflecting the change. The company also assured me that my late payments from ( XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX ) would be removed as well. My credit report has not been updated from XXXX XXXX XXXX since XX/XX/XXXX. This oversight has hindered my homebuying process and I would like it updated and corrected immediately.
Product: Checking or savings account

I have chime account they let someone hacked my account and took all my money out of my account and the decline my dispute I ask them I need my money or I going to sue I need somebody see if they can try get my money back please and thank you
Product: Credit card

Used negotiable instrument for payment. Account was placed under investigation. Investigation period had expired.