23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2019 I became a victim of a very well put together cell phone scam involving our savings account at Wells Fargo bank. After receiving a cell phone call stating because of lack of use from a computer fix that I had done over 11 months that I was entitled to a {$400.00} refund Instead of hanging up I filled out a FALSE form and somehow the had gotten access to my bank information. To my dismay they sent a screen shot of a FALSE deposit slip into my checking account. I said how do I get this overpayment back tou. They replied the only way was to get gift cards from placeeds like XXXX, XXXX XXXX, and XXXX XXXX.to the amount of XXXX. I panicked and used my debit card to purchase such cards. As I was panicked I came to my senses and realized it was too late> as I gave them the numbers anOn XX/XX/2019 I became a victim of a very well put together cell phone scam involving our savings account at Wells Fargo bank. After receiving a cell phone call stating because of lack of use from a computer fix that I had done over 11 months that I was entitled to a {$400.00} refund Instead of hanging up I filled out a FALSE form and somehow the had gotten access to my bank information. To my dismay they sent a screen shot of a FALSE deposit slip into my checking account. I reported this to the XXXX police officer XXXX # XXXX I was lucky enough to stop the XXXX XXXX case # XXXX reimbursed. 
Not so lucky on XXXX XXXX or XXXX XXXX they cashed them immediately. {$5000.00}. Wells fargo said they could not reimburse The XXXX because I bought the cards. This was our savings that we need for taxes etc. We are both on social security. Wells Fargo Case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have co-signed my daughter 's XXXX XXXX XXXX  loan. 
Every month XXXX Department of Education reports different balances while the loan has been deferred. 

Because of this practice, my credit continuously falling score fell from XXXX to XXXX, thus putting me in hardship. 

After spending months trying to find out who is responsible for XXXX FAFSA or Department of Education, every entry points this to credit. Credit bureaus clearly say we report what is reported to us. 

This harassment must stop.
Product: Student loan

I am a parent borrower ( my daughter was a student ) and I borrowed {$41000.00} in total paid {$18000.00} so that left {$23000.00} unpaid. I am willing to pay base on my income I tried to apply for lower monthly payment with XXXX XXXX XXXX. They told me to consolidate the loan that in order I am able to lower payment. I thought that was I had been seeking and I applied for that option. Then they received email from XXXX ( XXXX XXXX XXXX ) for consolidation and I replied back right after regarding withdrawing the application due to missunstood because of the principal balance go higher that I did not know. The XXXX rejected my request of withdraw the application. I do not think it is right because borrower has right to cancel the application. 
I keep paying what I owe XXXX as much as I can but I never agree with the term of loan I have addressed this to XXXX but they ignore. I am seeking for help to solve this issue I hope CFPB may help. 

Thank you for your help in advance. 

XXXX XXXX my last SS # XXXX resident of XXXX XXXX XXXX, XXXX, Ma XXXX email XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting the removal of this student loan from my credit report due to significant financial hardship experienced over the past XXXX XXXX. During this period, I have faced major economic struggles that have severely impacted my ability to maintain financial stability. Additionally, I have been indirectly affected by several national and global disasters, which have contributed to economic downturns, job market instability, and increased financial strain. 

Given the extraordinary circumstances, I am requesting a goodwill adjustment or deletion of this account. This removal would allow me to rebuild my financial health and work towards financial recovery. I appreciate your understanding and consideration of this request.
Product: Credit reporting or other personal consumer reports

This account has a late payments XX/XX/year> which I need a detailed report for this month that shows the balance, scheduled payment, amount paid and amount due to verify the inaccuracy. I recently received one report from you, but this is incomplete has dates XXXX to XXXX it does not have the month in question, that is not what I am asking for. I attach the report that I do not want to be sent again. I demand one as detailed above that you must send. I am within my rights to be provided with this proof since this affects my credit. otherwise this must be removed from my Account XXXX  XXXX # XXXX.
Product: Money transfer, virtual currency, or money service

To Whom it May Concern : I am writing to file a complaint against Cash App concerning a XXXX  transaction that occurred on XX/XX/year> at XXXXXXXX XXXX XXXX. I sent XXXX from my personal XXXX  wallet to a wallet that I mistakenly thought was my personal Cash App wallet. The mistake happened because the Cash App wallet address was recorded on XXXX as the address that was used to send a previous transaction ( Transaction ID : XXXX ) from my cash app to my exodus. Unbeknownst to me at the time, this address I sent my XXXX to belonged to Cash App as part of their exchange services. 

Upon realizing the mistake, I contacted Cash Apps customer service, via the phone. The representative told me they can submit a ticket to their XXXX  team to investigate but that there was no one to physically speak to. The XXXX  team for cash app contacted me and I explained the situation but they informed me that they are unable to locate or retrieve the funds. I have exhausted all avenues of communication with Cash App, including multiple attempts to escalate the issue to higher management, without any resolution. 

The details of the transaction are as follows : - **Transaction ID** : XXXX - **Amount** : XXXX XXXX - XXXX : XX/XX/year> XXXXXXXX XXXX XXXX 
- XXXX Address it was sent to** : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 {$400.00} Account # XXXX I have placed a fraud alert on my credit as well as filed identity theft. This account was not done by me. Please remove this from my credit report.
Product: Money transfer, virtual currency, or money service

for about a year now plus, ive emailed to get a reply ( emails not accepted ) then gives me a oimk to a bot. if you guys were coinbase.com and lets be honest if i go XXXX ya mihht not likr ut you know would you imagine they do too? guys remember when bitcoin was like XXXX ever since then guys you know anyone who forgot their gmail password and forgot what email address was the reserve. i assume if your coinbas it happens often and guys with my email address dnt ya think i can vlose them go nat sec and next but honestly who and what would learn from that? guys i even told them i dont know if ya have XXXX  XXXX  but i got the google video on mine you can compare what you aee with the pic i took holding my id to open the acct and nada. ya i told XXXX but earlier tnite and no worries i aint telling them i told you. you know the theory behond a bank cant legally hold anyone from their acct cause its my cash? they dnt even give you an acct number but i even offered to tell them last time deposit into what acct from what acct and how much nada guys i wanted out when bitcoin was XXXX and since then coinbase has held me from my money what brokerage that happen? and i ber they go today well transfer his cash ya when my securities aint wortj nada no way if yo youre not the only dc dotgov ive informed if ya dnt fix it congress gon na love all you us federal court of claims!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit 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 DEPARTMENT OF ED/XXXX, ACCT # XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX XXXX DEPARTMENT OF EDUCATION, ACCT XXXX XXXX XXXX DEPARTMENT OF EDUCATION, ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCT # XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. states I have a right to privacy.

15 U.S.C. 1681 section 602 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This company LVNV Funding LLC sent an email to my half sister that had my account information on it about a debt they were trying to collect. The email was address to me, by first name and said my account will be sent to an attorney for possible lawsuit in 4 months. The email said to review the account information that included the last 4 numbers of the account number, the original creditor 's name, the current owner of the account with a different ID and the total balance I owed.

I assumed in their research, they thought I was using a different name, because me and my half sister have similar names, but we do not communication often, do not live in the same state, and do not share emails. She should not have all of my account information.
Product: Credit reporting or other personal consumer reports

I have submitted a complaint addressing multiple inaccuracies on my credit file see previous complaint # XXXX. TransUnion responded that the information was reported as verified and accurate. Upon pulling a new credit report to check to make sure TransUnion has provided me with a througough investigation I still found multiple inaccuracies reporting to my credit file. please see attachments. TransUnion also did not have under the account that the account was previously disputed which is another violation. In accordance with the FCRA everything must be 100 % accurate on my credit report and under 15. U.S code 168e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate & also in violation of ensuring maximum possible accuracy. If TransUnion investigated the account there is no reason why there should be any inaccurate information reporting this is considered false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous accounts. The XXXX credit bureaus must verify these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 deleted from erroneous reporting in my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Transunion has continously violated my rights of privacy per Privacy Act of 1974, failing to complete proper investigation, not following written instructions given by owner of consumer file, and fraudulently reporting inaccurate information 15 USC 1681e compliance procedures ( b ) accuracy of report. In addition to the following violations : Violation of FERPA, 20 USC 1232G 34 CFR PART 99 15 USC 1681m ( cii ) nondisclosure of transactions and experiences. This has caused high levels of stress and impacted my abilities with receiving assistance for household purposes. The following accounts need to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not given transunion consent to obtain or disclose any of my information. However, this company has assumed this role, therefore, deemed as identity fraud.
Product: Credit reporting or other personal consumer reports

According to the FDCPA, it prohibits abusive, deceptive, and unfair practices in debt collection. Under 15 USC 1666b, a billing error includes situations where a consumer did not receive a statement at least 21 days before a late payment error occurred. According to 15 USC 1605 ( a ), if a finance charge is included in a billing statement, late payments can not be penalized if the finance charge represents the total of all charges, ensuring that consumers are not penalized for amounts already paid in full.
Product: Checking or savings account

XXXX Attempted to update the debit card on file with venmo XXXX our non profit rescue. Learned the account was setup incorrectly by the previous XXXX of the rescue, and the account was frozen. I have been told by Venmo on several occasions that this has XXXX resolved, and should be able to update my account info in order to transfer the money with no avail. There is {$3100.00} in our venmo account that we are unable to access. Venmo has told me that they would need to cut a check and mail to my home, to which they have not. Their customer service is less than helpful and we need our money.
Product: Credit reporting

An car loan that supposedly was taken out on XXXX/XXXX/XXXX, was reported transferred to another office in XXXX/XXXX/XXXX. This was XXXX years after the loan was supposedly created. I have no record of this loan. I have had XXXX car loans in XXXX years. XXXX, after I XXXX from the XXXX XXXX in XXXX, for a XXXX XXXX XXXX and the other in XXXX for a XXXX XXXX truck. Each loan was paid in full with no late payments. Both vehicles were later sold with no lien holders to private buyers. I have no record of a car loan with the company saying I took out a car loan in XXXX. The first year the XXXX XXXX was offered was in XXXX as per research on the internet. Until I graduated from the XXXX XXXX on XXXX/XXXX/XXXX, I could not afford a car loan or any other loan. It is illegal for a company to carry a loan on its books for this amount of time. It also violates the time period a loan can be reported to a credit reporting agency per Federal law. I informed the credit reporting agency that as of this date XXXX years has transpired and they needed to remove this improper account from my credit report. They acknowledged that I have disputed this and still claim they have to wait to remove this based on what the creditor replies irregardless of what the laws are. The advent of long term car loans did not happen until the cost of vehicles made the standard three year car loans obsolete because people could n't afford the payments. This occurred many years after I purchased vehicles and also after this supposed car loan I have no record of in XXXX. I have requested on numerous times before that accounts that were over XXXX years or XXXX years that were being reported after the time periods had expired be removed and they were done without question. This account is over XXXX years old : this does n't make sense.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe that there has been a misunderstanding or mistake in this matter. 

Firstly, I want to emphasize that I have always strived to adhere to PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. I take my responsibilities as a PayPal user seriously and have made every effort to comply with your rules. 

I kindly request that you reconsider the limitation placed on my account and conduct a thorough re-investigation of my case. I believe that upon review, it will become evident that this action was taken in error. My primary goal is to continue using PayPal as a reliable and secure platform for online transactions. 

I understand that PayPal 's commitment to security and compliance is of the utmost importance, and I respect your diligence in enforcing these standards. However, I believe there has been a misunderstanding, and I hope for the opportunity to clarify any concerns that may have led to this limitation. 

I kindly ask for your prompt attention to this matter, as it has caused significant inconvenience and disruption to my financial activities. Restoring access to my PayPal account would greatly alleviate these challenges. 

Thank you for considering my appeal. I am eager to provide any additional information or clarification that may assist in resolving this issue. Please feel free to contact me at XXXX if you require any further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX XXXX, The Consumer Fowarded Transunion a Certified mail dispute Notice having provided these accounts of : XXXX XXXX  .account XXXX XXXX XXXX .account XXXXXXXX XXXX XXXXaccount noXXXX XXXXXXXX XXXX.account XXXX XXXX XXXX.account no. XXXX XXXX XXXX.account no. XXXX XXXX XXXX XXXX.account XXXX & account XXXX XXXX XXXX .account no. XXXX XXXX XXXXaccount XXXX & account no. XXXX XXXX XXXX XXXX from which requesting Transunion to produce authorization via consumer of giving Transunion authorization in writing or in electronic form or other form clearly and conspicuously disclosing his nonpublic information to such third parties ; Transunion was informed to being a financial institution under 15 U.S. Code 6802 ( b ) ( 1 ) ( A ) and as such, financial institution, may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; TRANSUNION has been informed to being a finacial institution held via Federal District Circuit Court ruling citing Transunion LLC v. Federal Trade Commision 295 F.3d 42 ( D.C. Cir. 2002 ) which axiomatically places Transunion within the Gramm-Leach-Bliley Act GLBAs definition of a financial institution and is therefore subject to its rulemaking authority under 15 U.S.C. 6804 ( a ) ( 1 ). Transunion refuses to produce any and all such written / electronically filed authorization from the consumer giving Transunion authority to disclose the aforementioned accounts within such investigative matters and continues to not investigate into the law per such accounts mentioned to remove such accounts that show transactions and experiences between the consumer and the person making the report which are not to be included within the consumers report. See 15 U.S.C. 1681 ( 2 ) ( A ) ( i ).
Product: Vehicle loan or lease

On XX/XX/XXXX I spoke with a representative about my payment and I already made the payment she went on land continued to say that I was late and I insured her the payment was done according to my payment arrangement and she continued to threaten me starting with repossession and continued to threaten me repossession. I feel like this a constant threat used by this company with me all the time causing to panic and be in constant worry of not having a car. Times are hard and like I told them many times that Ive had financial difficulties with dealing with the repairs from the last time my car was repossessed Ive had lots of damage under the bottom of my car that was never addressed or fixed and feel like a little grace would go a long way with this company and I dont feel like they care about me
Product: Credit reporting

I have sent in the information to Experian several times and they are not responding the other bureaus have removed the information right away. They are not responsive at all there is no way to talk with someone and will not allow me to do this online they want me to send the information by mail with my social security card and other personal information the company on the credit report sent it to them also. I am very upset they should have a way to speak with a person. 



Thank you,
Product: Checking or savings account

I owed XXXX {$26.00} which I authorized them to charge my credit card. When they charged my card it was red flagged as XXXX. I contacted them to clear it up. They charged me {$5.00} fee for a failed payment. While I was clearing everything up they charged me an additional fee of {$15.00} for a late fee. My payment was not late it was the XXXX not the XXXX. I could not make a payment for what I owed. I contacted them to let them know that their system made an error and added a late fee and it shouldn't have. They refused to remove the fee. I told them they are not authorized to charge my card. They could not charge my credit card so they illegal withdraw the money from my checking account. I never authorized them to take money out of my checking account and I don't owe them {$46.00}. Their transactions was illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an outstanding bill at XXXX for XXXX. I paid the full bill to their assignede collection agency Credit Management XXXX on XX/XX/2022. On XX/XX/2022 I was notified by XXXX XXXX XXXX that they had received a new collection account for the same XXXX bill. I sent a copy of the bank statements to XXXX showing the bill had been paid. I also contacted Credit Management on XX/XX/2022, they would not accept responsibility for their own error in not sending the paid account information to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have several inquiries in regards to a vehicle they were supposed to run one inquiry around too many. I also try to refinance my vehicle, and I have a lot of refinance inquiries which should not be on my credit.
Product: Debt collection

On XX/XX/year>, I sent National Credit Management a formal written dispute of an alleged debt via certified mail, explicitly invoking my rights under 15 U.S.C. 1692g ( b ). In my letter, I demanded that they provide proper validation of the alleged debt and cease all collection activities until such validation was furnished. That same day, I also sent an email to a representative of National Credit Management, informing them that I was formally disputing the debt and requesting that all communications cease immediately. 

According to XXXX tracking records and the signed return receipt, National Credit Management received and signed for my certified dispute letter on XX/XX/year>. Despite receiving my dispute in writing and their clear legal obligation to cease all collection activities, National Credit Management attempted to contact me again on XX/XX/year> without having provided any validation of the debt. Their continued collection activity, without first mailing verification of the debt, is a violation of 15 U.S.C. 1692g ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In an attempt to rebuild my credit after a bankruptcy I applied for a pre-paid credit card. I sent them {$1000.00} and was supposed to receive the card within 10 days. More then 2 weeks had passed when I finally went to the website to try and get some help. They do not list a phone number. I managed to find their phone number elsewhere online and called them repeatedly. They seem to have no record of me and yet they took my money. Someone always puts me on hold to " go look into it '' and then never comes back to the phone. This has happened three times. The company 's name is First Progress. Oddly, enough they come very highly recommended by XXXX XXXX. I also reported them to the XXXX XXXX XXXX whom First Progess is a member of, again oddly enough. The XXXX was supposed to send me an email with a complaint  form to fill out but they never did.