23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020. I had my {$1700.00} that was on my unemployment debit card, somehow wired transfer from a company who I have never heard called Xoom. The company send me back {$700.00}, because they said it was pending so they were able to return it. Now they are telling me that they wont be able to return my other {$1000.00}. I dont understand why they wont give me all my money back.
Product: Debt collection

Monday XX/XX/year> I spoke with XXXX XXXX in regards to a letter I had received stating that if I paid 50 % of my debt owed it would result in deletion off my credit, as long as the payment was made by XXXX XXXX  CST. That if I did not pay it, they would report to the credit bureau as a refusal to pay. I made the payment online and received a confirmation email, I noticed the funds were not removed from my account. I called again Wednesday XX/XX/XXXX and spoke with a young man who yelled at me to pay the full balance owed or my credit report would be marked as refusals to pay once again, I was then hung up on. I call back and end up speaking with XXXX XXXX again who agreed to take my payment for the 50 % of my debt owed, amount owed that was honored was XXXX. I provided my card number and it was unable to process and case notified him not to honor. I was told if I go to XXXX, pay with a XXXX, call back before XXXX XXXX  with a reference number, they would notate my account paid in full with the credit deletion off my reports, with a letter sent to me via email. I do have the call recorded. I made my payment by XXXX at XXXX XXXX, I called back and spoke with my XXXX XXXX and told her I would like to provide the reference number for my payment, as I was told to do, I was advised my account was restricted, that I would have to email XXXX XXXX directly and wait for him to contact me as he was my account specialist.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that the associated account linked with XXXX XXXX has undergone successful discharge through the Internal Revenue Service ( IRS ) via a 1099C form. Attached herewith is Copy B of the processed 1099C from the IRS for your reference.

As a direct consequence of this account being settled and discharged by the IRS through a 1099C, I hereby request the immediate deletion of the collection balance currently being reported on my consumer report under the names and alias " XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation.
Product: Credit card or prepaid card

I have a Venmo credit card. My credit limit was $ XXXX.I have missed any payment and always paid above the requested amount. I went to use my card knowing I had enough available credit. I rarely used the card. The card was declined. I was shocked and embarrassed. So I called the credit card company, I was told they lowered my credit limit. I received no notification, no explanation, prior to them.lowering my limit. XXXX XXXX XXXX XXXX XXXX when they lowered my credit limit, my credit score dropped XXXX points. 
As I said I always made my payments, always paid more than the required amount. They told me they ran my credit and decided to lower my credit limit I had no idea they even ran my credit. As I said I was not i.formed of any of their actions against me.
Product: Credit reporting or other personal consumer reports

I lost my access to my old CFPB account, that is why I created this. I thoroughly reviewed my credit report, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed accounts with Experian that had unauthorized charges due to previous identity theft. These charges were not discovered for some time, and because of this I was unable to file a police report. However, I did submit the claim to the federal trade commission upon discovery. As a consequence, I disputed accounts associated with this identity theft and Experian refused to remove the information. I attempted to submit a new dispute with a personal statement, FTC documents and other supporting information via the Experian website and received errors for 3 days straight. I finally printed and faxed the information to Experian and the subsequent dispute was still not a success as Experian refuses to remove this damaging information. As per Section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. The associated account are as followed : XXXX XXXX : XXXX XXXX  : XXXX XXXX Card : XXXX XXXX XXXX XXXX XXXX In addition, Experian continues to report balances on these closed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for credit cards however no accounts were established. The applications did produce fraudulent related credit inquiries on his credit reports, specifically with Experian. A recent attempt was made to dispute this fraudulent information however Experian sent a reply to our client stating they would not adhere to the request of removing the data due to the fact they believed the activity in question to be suspicious. Meanwhile, a POA and all needed client PII was provided to support the validity of the request. Experian 's failure to provide service in removal of fraudulent data is a violation of the FCRA and my clients federal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a living human being and I have rights under 15 U.S.C. 1681. 

XXXX is governed by 15 U.S.C. 1681and they have violated my rights on numerous accounts. I demand the accounts listed below to be removed because according to 15 U.S.C. 1681 : I have the rights to privacy and I did not give XXXX XXXX or Experian written permission to furnish these accounts. 

XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX Account # XXXX XXXXExperian XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX Experian XXXX Account XXXX : XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX Account # : XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Experian XXXX Experian XXXX Account # : XXXX Account XXXX : XXXX XXXX Experian Account # : XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX Account # : XXXX Account # : XXXX Experian XXXX Account # : XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Adding inaccurate debt to my credit report. Not checking if it is my debt. bills must be going to one of the inaccurate address recently added to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 US code 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Kohl 's violates this right on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, XXXX income and you must file a XXXX. They can't charge it off then report it to IRS. Furthermore, ( BANK OF AMERICA ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Mortgage

My loan was sold from XXXX XXXX to Freedom Mortgage. We were in a loan modification program with XXXX XXXX and we were full filling all terms of the agreement. Once the loan was sold to Freedom we started to recieve unpleasant phone calls. One representative, named XXXX was totally unpleasant, rude, obnoxious and un professional. The company claims to not have our paperwork and they clain we are over {$16000.00} in arrears. This is totaly false. Our pleas fall on deaf ears. When we call we are directed to XXXX. And I refuse to speak to this person any longer owing to his rude and crass behavior. We have fullfilled the terms of our loan agreement. But Freedom refuses to speak to us about this and they instead threaten to foreclose on our house. This company is impossible to work with. During one phone call XXXX asked if my wife was home. I told him no. Then my daughter entered the room and spoke to me. XXXX then relayed to me that he knew my wife was at home and he inferred that I was lying to him. Experiences like this are very much the norm with this person and this company. We have read XXXX complaints online from other consumers who have been subjected to similar treatment. We do not want to lose our house, be in arrears or be subjected to any more threats, poor service, insults or lack of professional communication.
Product: Credit card or prepaid card

I have tried repeatedly to establish an online account with my chase credit card, and have been unsuccessful. My account is locked, and tonight I called to unlock. The number I called to unlock said that there was a " greater than 50 minute wait. '' I called the main number, spoke to three different people was transferred four times, and remained on hold well over 30 minutes. I had to eventually hang up. I would like the credit card company to contact me so I can unlock my online account.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX  XXXX Account Number : XXXX XXXX OF XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On three occasions I have requested credit increases or inquiries and both agencies below continue to report information wrong. My first issue was with XXXX in which XXXX XXXX reported derogatory or public record. For over a year I tried to get a XXXX card until i finally disputed with them, they sent sent two reports that showed no derogatory record, within a week XXXX issued my new card. 

Now XXXX XXXX has sent me a denial showing Equifax as the consumer reporting agency. As i type this my current score on their own web page is XXXX yet they report XXXX to XXXX XXXX they also show derogatory public record which is linked directly to XXXX XXXX. 

Both companies have been advised on two occasions about the lack of reporting accuracy. I am requesting that the CFPB please get involved, I run a small business and this greatly effects me and does not seem to stop. 

Request for credit requested XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this note finds you safe and well. 

I paid Westlake Financial XXXX 2021. Ive been requesting a {$0.00} balance letter since XXXX 2021, but have yet to receive it. I havent received anything by mail or email. I requested it again last week, but have yet to receive it. Since they have failed to provide the letter, I disputed the account with XXXX. On XXXX - XXXX sent a letter advising the information being reported was accurate- but it is inaccurate. I called XXXX and requested to know their investigation process as I did pay Westlake XXXX 2021, and was told by Westlake theyll update my file and have the reporting removed in its entirety, but neither of that has happened. According to XXXX from XXXX ( call was on XXXX/XXXX/2021 at approx. XXXX XXXX ), the investigation is as follows - they submit the dispute to the lender, the lender in turns enters whatever information they please into a software and that information is electronically sent back to XXXX. XXXX trusts that the lender will submit accurate information. This is not an investigation. This is incompetence. The same analogy I have XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr- he enters or says no - and hes free to go based on that answer. That would not be considered an investigation. This procedure should be eliminated in its entirety and lenders should be challenged. If customers are trusting credit bureaus to conduct an investigation- it should be done as such.
Product: Student loan

I attended XXXX XXXX XXXX  ( XXXX ) Online, operated by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX from XXXX and was misled about my student loans and financial obligations. XXXX engaged in fraudulent financial aid practices, predatory lending, and tuition misrepresentation that led me to take out approximately {$8000.00} in student loans under false pretenses. 

Misconduct by XXXX XXXX XXXX Servicers : XXXX XXXX XXXX XXXX XXXX recruiters and financial aid reps pressured me to take out loans, falsely claiming the degree would guarantee career success. 
They downplayed the total cost, leading to unexpected loan balances and unnecessary borrowing. 
I was misled about employer tuition assistance, believing my employer would cover more costs. 
Loan Mismanagement & Deceptive Practices XXXX falsely claimed loan repayment would be easy and affordable after graduation. 
They forced me to take out additional loans when they refused to honor transfer credits they originally approved. 
XXXX never fully disclosed my loan terms, nor did they provide accurate financial aid breakdowns. 
Harm Caused : {$8000.00} in unnecessary student loans for a degree that failed to provide any career benefit. 
Employer tuition reimbursement loss, as my employer stopped funding once they realized XXXX 's reputation. 
Loan servicers failed to provide clear repayment terms, making loan management difficult. 
Requested Resolution : Loan Discharge & Refund of Payments : The loans should be canceled and refunded due to XXXX deceptive practices. 
Financial Compensation for Employer Tuition Reimbursement Loss. 
Federal Investigation into XXXX XXXX Misrepresentation Tactics.
Product: Money transfer, virtual currency, or money service

I have used Zelle for 5 years and starting in 2023 Ive noticed that money was getting send to people and Ive lost over {$500.00} in transactions and it hasnt been resolved. After the money was taken from my bank wasnt available to be connected to Zelle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I purchased a vehicle from XXXX XXXX XXXX XXXX in XXXX, Illinois. XXXX 2021. I specifically told them Do Not Run My Credit I am a cash deal and already pre approved, because I was pre approved for {$55000.00} with XXXX  XXXX. I didnt need any financing from any other banks or dealerships. They ran my credit to other companies with out my authorization or consent. Ive contacted TransUnion, XXXX XXXX, and XXXX XXXX XXXX multiple times this month as well as last month regarding these inquiries reporting on my Transunion report due to unauthorized running of my credit by XXXX XXXX XXXX XXXX in XXXX Illinois. They kept pressuring me to run my credit to see if they can get me a better APR I refused multiple times. I stated I was not interested and please dont run my credit to anyone I have a pre approval letter. Few weeks later I get a denial letter from XXXX XXXX XXXX XXXX XXXX. Which XXXX XXXX XXXX confirmed they stop using 3 years ago. It also is being reported on my Transunion credit report along with 2 other inquiries that were not authorized XXXX XXXX XXXX and XXXX XXXX and XXXX inquiries are/was not authorized by me and should be removed immediately as I explained to the fraud departments of each of these companies prior to contacting the CFPB.
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 be in violation of 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.
Product: Checking or savings account

My Charles Schwab account was frozen on XX/XX/XXXX or XXXX 2023. It is now XX/XX/XXXX and I still do not have access to my account. I contacted Charles Schwab and they said I simply have to visit a physical branch and verify my identity. I went to the branch on XX/XX/XXXX and provided requested documents. They told me my account will be unlocked in 3 business days. 

After 3 business days my account was still frozen. I contacted Charles Schwab again and was told that their fraud team was still investigating. The agent told me they would email the fraud team for a follow and they should be contacting me in another 3-5 business days. But I received no contact within that time. 

So, I called again. Another agent said they will email the fraud team and they will contact me in 3-5 business days. Again, no contact. 

I then talked to another agent who got ahold of the fraud team. They now said my in-person identity verification wasn't enough. They told me that a Medical Insurance check that I cashed was flagged. And that they need to verify that I was the person that deposited it. The agent told me to back to a physical branch again and verify. I brought the original check to the branch. 

The clerk didn't know what to do with it, so she called someone. Soon to tell me that that the original check was unhelpful. Wasting my time once again. She said she will email the fraud team for an update. Again, I received no such update. 

I was then told my an agent to try and get a letter from my insurance company to verify that the check is mine. My insurance said that don't do that but they can do a group call with the fraud team to verify. Problem is, even Charles Schwab agents struggle to get a hold of the fraud department. 

Also, my insurance said it shows in their system that Charles Schwab have successfully cashed the check. Proving that it is a real check. 

I have prepared my Explanation of Benefits that details and includes the check in question. If they would even accept that document, no agent in the subsequent weeks have been able to contact the fraud department to ask. 

Through the weeks, I have contacted several agents that will " email the fraud team '' and have gotten nowhere. They have held my money for almost 2 months under the guise of " protecting me. '' I have once again called for and update today, just to receive another " email and 3-5 business days '' response. I'm tired of running in circles with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen in 2014 and accounts were obtained as a result of mu identity being stolen. I have contacted the company and informed them that the account did not belong to me yet they refuse to remove the account from my credit file. However the company as acknowledge that the account was opened due to identity theft and has placed a fraud alert concerning this account. they have sent several packets for my to fill out, sign and date, and have notorized as well as send in a police report concerning the identity theft from which I have done.I have disputed this account several times yet they keep responding back to me that it was verified, yes it is being verified under my social security number from which was stolen. hint hint ... .Identity Theft!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

do to the XXXX XXXX  giving false pre-approvals, in which resulted in denials also caused many inquiries on my consumer report. The inquiries are effecting my chances of getting approved for any opportunities available to better my livelihood and the way of life.
Product: Debt collection

XXXX XXXX is attempting to collect a debt that was discharged. They are harassing me at my workplace and at home. It appears that they know the ramifications but they are persistent and they are sneaky and nasty ( and intrusive ) with their ploys.
Product: Bank account or service

I was charged XXXX balance transfer fees of {$420.00} and {$60.00} in separate instances, and these fees are unauthorized because I did not receive a letter of disclosure or any type of information stating that I would be charged for using the balance transfer checks. Bank of America is forcing me to pay {$480.00}, which I will not pay. Requesting your assistance in resolving this matter. Thank you.