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

XX/XX/23 I used my credit union to make a bill pay to XXXX XXXX XXXX XXXX XXXX XXXX ) then I called my credit union to do a stop payment. I agreed to a {$10.00} fee and filled out electronic paperwork and sent it back to the credit union. My account shows the withdrawal of {$840.00}, the {$10.00} stop payment fee, and a deposit of {$840.00}. 
XXXX week later I get a letter in the usps mail from fiserv stating I owe them {$840.00} and my bill pay account has been suspended as of XX/XX/XXXX. 
XX/XX/23 at XXXX XXXX. I contact XXXX they confirm that they received the payment of {$840.00} on XX/XX/23 and then returned the payment on XX/XX/23. I have a screenshot sent to me showing this information. 
XX/XX/23 at XXXX XXXX I contact my credit union to inquire about the bill pay suspension. I explain to them that I got a letter from fiserv and also contacted XXXX  who proved that the money was sent back. The employee looked into it and informed me that she figured they had enough information to correct the situation and someone would get back to me. No one ever did. 
XX/XX/23 at XXXX XXXX fiserv contacts me regarding payment for the {$840.00}. I explained to the employee what I have found out. I state I can not understand how I could owe them money if the money was sent and then returned, why would they be owed anything? I also asked them to prove that money was owed and I have yet to see anything other than the original letter I got from them. I give the check number off the screenshot from XXXX.I also explain my bank account shows payment made, and returned. An investigation is launched and a case number is given to me. XXXX is who I spoke with and she tells me to call back the following Wednesday ( XX/XX/23 ). 
XX/XX/23 Since I have not heard from my credit union I call them to find out what is going on with the bill pay service. All she can tell me is that it is up to fiserv and to call them. She tells me to press 5 at the prompt once she transfers me to fiserv. I do and it is an invaled request. I hang up. what a mess. I have a life other than this. 
XX/XX/23 at XXXX XXXX. fiserv calles me to again request payment due. I refuse. I told " XXXX '' that an investigation is already underway and I am to contact fiserv on Wednesday. She responds to make the payment or it goes to collections. I ask How can you send it to collections if it's an ongoing investigation? And you are 2 days ahead of when I was told I can call back??? she repeats to pay the {$840.00} or it goes to collections. I can't even tell her about the case number because she won't listen to anything I am saying. She says she will let her manager know I won't make payment and hangs up. 
Also during one of the phone conversations I had with fiserv I told them I was disputing this case. The employee sounded confused so I read her the part of the letter that stated I could dispute it. Her response was contact XXXX.??? I feel the employees don't know how to do anything but collect money. This company certainly doesn't try to do anything but get a debt they think they are owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was asked if I wanted to be prequalified for a Zales XXXX card and I specifically asked if she was going to pull my credit and she told me no that it wouldnt and that it was just a pre qualification. Then as soon as she told me no my phone started popping up with emails saying theres been a change to my credit report and she continued to tell me that it wasnt checked then I asked her one more time if it was pulling my credit and she said yes. A PRE-QUALIFICATION means that its supposed to be a soft credit pull. Now I have a hard inquiry on my account that I had given no consent to. This was at Zales XXXX XXXX
Product: Vehicle loan or lease

I bought a used XXXX XXXX from a XXXX dealer. Wells Fargo financed the car. 

They never sent me a bill. I bank through Wells Fargo so set up automatic payments. What I didn't know about and was not informed about is that the first payment must be paid through the mail. I didn't know this. The computer system didn't tell me this. 

What was worse, is that I received NO STATEMENTS through the mail from Wells Fargo and was unaware ( the bill was only {$200.00} a month and so I didn't notice that it wasn't being paid ) that it wasn't being paid. 

My first communication from Wells Fargo was a letter stating that they were going to repossess the car. 

Mind you, I have banked with them for XXXX years, had all my personal, business, and investments with them. I called Wells Fargo that day, paid up XXXX this situation ruined my credit. 

I had XXXX XXXX XXXX. Yes, that's correct. It dropped to XXXX because of what they did. I'm still, a year later, working to get my credit back to where it was. When I confronted them about the problem they apologized and said there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX ( Original Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX Bankruptcy : Bankruptcy Date Filed XXXX XXXX XXXXXXXX Reference Number XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$1600.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXXXXXX XXXX XXXX  Balance {$400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX  Balance {$460.00} XXXX XXXX XXXX XXXX, VA XXXX
Product: Debt collection

On or about XX/XX/XXXX I contacted XXXX XXXX XXXX to settle a debt that has been in dispute due to damaged goods received and not replaced, by XXXX. ( Which will be another complaint that violated my Fair Billing rights ). During the validation of who I am with the XXXX XXXX, she asked if I was also going to settle or pay my XXXX debt they have from Capital One stemming from XX/XX/XXXX. I explained to her that the debt she is referring to was discharged in XX/XX/XXXX by Chapter XXXX Bankruptcy. She insisted that I still needed to pay XXXX. I once again explained to her that XXXX can not collect on a debt, or should it be on their books, after a Bankruptcy Court discharged my debt. At this point I ceased this part of the conversation and asked her to address the matter in which I called, the debt from XXXX. 

Towards the end of the conversation, I requested that she have someone from XXXX, in Authority, to call me and address the attempted collection. I have not received any sort of communication. 

Name of company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Thank you and I look forward to our correspondence.
Product: Student loan

Recently there was a group discharge for all federal loans for the XXXX XXXX. I currently have a private loan through Navient for the XXXX XXXX XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. This conduct affected students who enrolled at the XXXX XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. These misrepresentations related to the salaries and employment rates for its graduates and the benefits and connections The XXXX XXXX provided to students and graduates. Because of the pervasive and widespread nature of the misconduct by The XXXX XXXX, ED has determined that it is appropriate to discharge the loans made to all students who attended The XXXX XXXX during the time period described above. 

I have struggled for years to pay off or make a dent in these private loans. I haven't been able to live the life I was promised by this school.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did not remove false and misleading information regarding XXXX XXXX XXXX XXXX XXXX causing financial harm and increasing interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report inaccurate information on my Credit Report for the following account XXXX XXXX account # XXXX They are reporting this as a " Fleflexible spending credit card '' this is not accurate and should be deleted. 

This account is also reporting 120 late on multiple months without reporting 150, and 180 late again this is not accurate information please see attachments
Product: Credit reporting or other personal consumer reports

As Per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from advocacy group helping me due to XXXX XXXX debt bonage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from credit report within four business days, pursuant to section 605c of the Fair CreditReporting Act. I am victim of human trafficking of Debt Bonage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. DPT TREASURY Balance {$3900.00}, XXXX {$560.00}, DPT TREASURY {$3300.00}, XXXX XXXX {$2000.00}, XXXX XXXX {$910.00}.
Product: Credit reporting or other personal consumer reports

incorrect information was shared on my report without my knowledge. I have been wronged on multiple fronts. They have a responsibility to perform in accordance with FCRA 15 usc1681 section 602.REFERENCING account with credit acceptance opened around XXXX account ending with XXXX on a XXXX XXXX. I am the consumer and have the right to privacy in accordance with the 15 usc 6801. I also point to15USC 1681 section 604 section 2 states subject to subsection ( c ) paraphrasing but in accordance with the written instructions of consumer whom it relates. It is my wish to see all that are negatively affecting my credit removed. If I unknowingly gave permission it now considered revoked. 15 USC 6802 ( b ) ( c ). Never was I Informed of my right to exercise nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states except authorized under subsection ( b ) ..time restraint. This account along with others reporting is without my consent and against 15 USC1681 s-2 ( a ) ( 1 ) as well as 15 USC 1681e `` reasonable procedures '' XXXX and XXXX are not maintaining reasonable procedures 1681b which is why I am opting out .12 CFR 1016.7- as well account with XXXX XXXX XXXX  opened around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is violating FCRA. XXXX XXXX made a hard inquiry in error to Transunion on XX/XX/XXXX. I did not apply for any XXXX XXXX products, nor do I have a current relationship with this company, that would grant permissible purpose to pull my credit. 
I contacted XXXX XXXX on XX/XX/XXXX and spoke with customer service. They could not see any relationship established. They asked me to send a copy of my credit report, but I wasn't comfortable doing that. So, I contacted Transunion the same day and they filed a dispute with XXXX XXXX. I was provided a case number of XXXX to reference. 
Followed up w/ TU on XX/XX/XXXX and was told to provide a police report. I'm not even sure what I would put in one - I don't know what is going on. The person I spoke with told me she would notify the company ( again, I guess? ) and they would be required to respond in 30 days. 
On XX/XX/XXXX, I also mailed a letter to XXXX XXXX XXXX Department at XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX stating my issues and concern as well as provided a screen shot from my TU credit report documenting one XXXX XXXXXXXX hard inquiry on XXXX plus 2 soft inquiries also from XXXX XXXXXXXX. I don't haven't had a recent relationship w/ XXXX XXXX to know what these are from? 
On XX/XX/XXXX - I contacted Transunion and was informed XXXX XXXX never answered their dispute inquiry. I contacted XXXX XXXX and they said I had not given enough time from my letter mailing on XX/XX/XXXX to receive a response. 
NOW, it is XXXX and the hard inquiry remains on my report and any dispute inquiries have gone unanswered. I want this inquiry explained and I want it removed b/c it is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to remove a freeze from experian. The website will not allow me to do it, insists i MAIL a bunch of documents that I do not and will not have, because I am working out of the XXXX country, to the company. There is NO way to speak to a person on any of their customer service numbers. I've called 15 times today and tried every XXXX trick their is. Just loops and eventual disconnection. 

This is absolutely ridiculous. I don't want these people anywhere near my information, and yet I have no choice. And now I sit here, completely screwed, because of their greed and refusal to pay someone to answer a XXXX phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I haven been trying to withdraw my account balance from Gemini for over 3 months and have been unable to because I need to verify my account even though I have already provided them sufficient information.. pretty much everything other than a picture of my ssn card which I do not feel comfortable sharing and disclosed with them I would be willing to share any other type of information including an additional photo of my passport. They do not answer my repeated attempts to get a hold of them through email, social media and I have grown very weary of whether I will ever be able to receive my money that is sitting in the account.
Product: Credit card or prepaid card

harassment and unethical demand of american express employee from XX/XX/XXXX i had 2 accounts with american express i was never late on any account payments were always made promptly on each account suddenly i was even given an unsolicited credit line increase about 6 months later i received a financial review requesting a nearly {$5000.00} on a revolving account the payment was made i continue to receive email requests for documents or large payments about six times i was so concerned that i contacted american express thinking it may be a scam in today 's culture of scammers i continued to cooperate with theses untimely unprovoked request until around the end of XXXX after spending over {$10.00}, XXXX cutting balances in half sending tax returns and and pay stubs at this review persons request finally at the end of XX/XX/XXXX i received a call from the review team at nearly XXXX XXXX  and the woman asked me to submit a copy of my employers last 2 months bank statements i told her that that was an unethical request and assured her that i would get in trouble her response to me was the following ( your employer doesn't have to know ) i refused the request and in a few days both of my accounts were subsequently closed ( the unethical request is on tape. ) this treatment was shameful and deserves to be published in some large corporations like American Express there are people who have there own XXXX  agendas this was my experience with American Express XXXX XXXX XXXX XXXX.
Product: Mortgage

On or about XX/XX/2019, The Money Source ( TMS ) acquired service of the mortgage on my home. At that time there was an outstanding hail damage ( roofing ) repair to be made, first half of the insurance check to cover repairs had been released by my previous mortgage service provider XXXX. Due to weather and backlog, our roofer did not complete repairs until early XX/XX/2019, at which time my wife began to make attempts to have TMS to begin their procedures to close out this repair and pay the roofer his final check. Following two weeks of attempts, I had to once again give TMS permission to speak with my wife as now they state that I can not give verbal permission over the phone and must do so by mail ( given different stories on how to go about this by each person I spoke with ), anyway after giving what TMS said is last time of verbal permission, their representative told my wife that they do not have the funds from the insurance claim nor have any knowledge of this, as well she was told that we would have to figure out where the funds were. I specifically spoke with an agent from TMS in XXXX concerning this claim and my concerns about this going smoothly, I was assured that after a period of about 30 days funds would be ready for release following inspection of completed repairs. My wife and I have both spoken to an agent from XXXX who states that funds were wired to TMS, however XXXX has yet to provide proof, this has been going on since approximately XXXX XX/XX/2019. Repairs on my roof are very close to 30 days past, at which time the roofer may choose to submit a lien on my mortgage, which will affect my credit. Check amount is $ 4,600+. There is no record available to me anywhere indicating where these funds are, as if they just disappeared. I am beginning to suspect insurance fraud by means of asset diversion. I do not know or have proof of which company ( XXXX or TMS ) has these funds, I do know that my wife and I signed the insurance check and submitted it to XXXX upon recipt from our insurer. As our current mortgage service provider, TMS should be providing assistance with getting this matter settled and to prevent a lien being placed on this property.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Bank has harmed my credit after failing to inform me on account delinquencies on a pair of co-signed loans ( *details in TDdispute_letter attachment ). This has recently restricted my ability to apply for a mortgage, and will continue to impair my borrowing and employment opportunities as the accounts are currently set to remain on my credit for 5+ years. 

Even after promptly paying back the balances with interest, identifying the TD Bank errors that prevented notification, having a branch manager advocate on my behalf, and disputing the credit deficiencies with all 3 credit bureaus, TD Bank has not taken corrective action to remove negative information from my credit report ( *see dispute results in attachments Equifax , Transunion , and Experian ). As my actions and credit history clearly attest, I would never had allowed these delinquencies if I had any notification. 

In addition, failure to inform me of delinquency on 1 account ( XXXX ) concealed untrustworthy behavior of a babysitter working for my wife and me. The babysitter would later go on to make {$1000.00} of fraudulent charges on my credit card and steal cash from our home ( *see attachment PoliceReport1,2 ). 

What is worse, after this theft in XX/XX/XXXX, I inquired about the accounts in the XXXX XXXX XXXX TD Bank branch where the loans were made, and again I was not informed of the delinquencies. I was told only that the accounts were closed. 

When I finally discovered the delinquencies through a credit check for a mortgage in XX/XX/XXXX, I satisfied the balances within 1 day ( *see attachment TDPayoff_proof ). One of the co-signers had neglected a final payment that was not automatically withdrawn. He paid immediately when I called him. The other was with the babysitter who stole from us, and this one I paid off myself for {$4300.00}. 

At this time I discovered that TD Bank had recorded an incorrect address and birth date for me at the origination of the first loan and had not verified any of this for the second loan ( *see attachment TD Contact Info ). Instead of taking the address from my drivers license or from any application I would  have filled out, TD Bank recorded my address as the same as the first co-borrower. I have never lived in that town or with the co-borrower. The incorrect birth date on record is also inexplicable. TD Bank has not provided me a copy of the loan applications for either loan or offered any explanation of these clear origination errors. 

XXXX XXXX, the TD Bank branch manager at XXXX XXXX location in XXXX helped me process payments. Seeing the errors in my account information, he filed a Consumer Credit Report Dispute Form ( *attachement TDdispute_letter ) on my behalf. This has apparently not had any effect on repairing my credit.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX Loan ID XXXX. 

Lender required Direct ACH Debit using my bank account. This is a violating the Telemarketing Sales Rule and the Electronic Fund Transfer Act by requiring borrowers to agree to recurring automatic debits of their bank account as a condition of obtaining a loan. 

Located on loan application. 

Note ; ( e ) you fail to keep in force a bank account we can use to generate electronic payments page 4 Full Force and Effect. This authorization will remain in full force and effect until we have received written notification from you of its termination in such time and in such manner as to afford us and Depository a reasonable opportunity to act on it. You may send written notificatio by e-mail to XXXX or by mail to AvantCredit, ATTN : Compliance Department,XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX Illinois XXXX. Upon termination of this authorization, you will be deemed to have selected the Remotely Created Check option below for all subsequent payments.page 3 This loan has since been paid off on XX/XX/XXXX XX/XX/XXXX
Product: Vehicle loan or lease

My car was repossessed with all my property and I was unable to get them. I was then contacted by Exeter Finance to tell me my car was sold and I owe the remaining balance
Product: Student loan

Applied for SAVE student loan program 21 with Nelnet via phone as they stated there was an issue with my Studentaid.gov application. I submitted required documentation via the email they provided on XX/XX/XXXX. No response. After several failed attempts to contact Nelnet, I called and spoke to a representative on XX/XX/XXXX and they provided with a different way to submit my documentation. Even though the first email was legitimate and they had no idea why it wasnt received. Still awaiting approval. They put me in forebearance. Because I am switching from my previous IDR plan to SAVE, my outstanding interest is added to the loan I specifically applied in XXXX to avoid a large balance being added to my account. Due to Nelnets inability to process my application, I stand to have thousands added to my total balance. I did my part. I was timely. This is my debt going up and will impact my debt to income ratio due to their lack of accountability. I can not complain to nelnet as they are impossible to reach for that purpose ( calling results in disconnection when stating you are calling to file complaints ) and they respond to all emails with we are too overwhelmed, please call. This is such a mess and I am only losing even though I did exactly what I was supposed to. Thousands added to my loan because they just are too busy. Please do something. Please help.