23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A merchant charged my credit card for a {$250.00} deposit for an urgent care visit on XX/XX/24 with the promise of refunding the {$250.00} once our health insurance reimbursed him for the visit. XXXX XXXX XXXX ( the merchant ) went out of business on or about XX/XX/24. The merchant lied about accepting our health care .... he did not have a contract with our healthcare provider as of XX/XX/24. The merchant will not respond to phone calls and the place of business has been shuttered in XXXX XXXX A quick search of XXXX XXXX shows that XXXX XXXX XXXX ( owner and operator of XXXX XXXX XXXX XXXX XXXX and apparently the only employee ) has defrauded more than XXXX people who wrote reviews on XXXX XXXX .. maybe there are thousands that he defrauded that didn't write reviews. 

I contested this charge with Capital One and they have not been helpful. They refuse to permanently credit my account for the {$250.00} that is due to me. I have attempted to escalate with Capital One, but they refuse. 

In addition to the Financial Fraud committed by XXXX XXXX, he also shared HIPAA data that is private information about my son 's medical conditions and test results. This information was shared with XXXX XXXX XXXX, Capital One, and myself. I will be filing a complaint with The Department of Health & Human Services for a HIPAA Privacy violation and XXXX XXXX XXXX, XXXX XXXX, Capital One, and potentially both VISA and TSYS corporations.
Product: Debt collection

I have been contacted on numerous occasions by an alleged debt collector from phone number XXXX XXXX XXXX XXXX. They claim that I owe a debt on an old loan to which I have no knowledge. I have asked them on numerous occasions to verify the debt, and was told by the individual on the phone that he was not required to do that. On another occasion, I received a call stating that a process server was waiting for me at the last last known address they allegedly had on file. They stated that a lawsuit had been filed against me, and that they wanted me to meet them at this address so they can serve me copies of the legal pleadings. I have conducted a search on the XXXX XXXX XXXX XXXX website, and did not find any case filed against me. I am constantly being harassed and threatened on a daily basis by this company, and they have also somehow gathered contact information of my family and friends. They have called them, and during the discussion, they asked my friends and family to have me contact them about a debt, in direct violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

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

The TransUnion, XXXX and XXXX after I purchased a credit report with XXXX  After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/. I believe they have failed to authenticate these accounts. I included this in my last request and hoping that these accounts lates will be removed. 
XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update personal information according to the attached and information shown below. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : I am writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX, XXXX, VA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
I understand that pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out multiple certified letters to XXXX, XXXX and Equifax XX/XX/2022, XXXX. Here are some of the USPS tracking Numbers. XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX. However, the Credit bureaus said the completed investigation, and everything was 100 % accurate. XXXX also quit sending me any other update on latest letters sent. 

According to the Law 15 U.S. Code 1681a- Definitions ; rules of construction. 
The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to? 
How they completed this investigation?
Product: Credit reporting or other personal consumer reports

I have bankruptcies on my credit report ( XXXX  XXXX XXXX ) and ( XXXX  XXXX XXXX ) that dont belong to me that has been linked to wrong name I have provided documents and tryed to get this fixed and this is clearly violated my FCRA rights, I know have filed a complaint with the state attorney general and my next step is for a law suit, This is ruining my life and I just want them removed and deleted from my profile cause they dont belong to me again Im sending proof, so I can have for my documents as well of how many times I tried to resolve this with the credit bureau and keeps coming back verified but theres no way when its not mine and I never been sent anything verification of this information belonging to me Please delete this I just want my rights as a person to be treated fairly again I will be providing documentation this does not belong to me.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft I have proof someone got a mortgage loan private student loans and I want the too be prosecuted before a judge my names and phone numbers found on my Experian account belong too I know people and I have lots of auto loans and XXXX entities I have never filed for please correct my credit the fraud person last four digits too XXXX is XXXX please take care of this matter I have lost so much
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX  ) {$170.00} 08 XXXX XXXX  XX/XX/XXXX ( XXXX XXXX  ) {$720.00} i have reached out to many companies resovling this issue due to information that is reporting to my credit and it is inaccurate i have addresses, accounts phone numbers that does not belong to me on there i have asked for them to be deleted and thhese companies has yet to do so i would like for these to be deleted from my report asap no later then 10 days from this letter XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX mo XXXX does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Checking or savings account

I have a checking account that I did not use a lot. I received a few wires from a company that I work for and the bank froze the account and asked me for a phone number of the owner of the company to verify the deposits. 

I know the owner in person and I provided several phone number but they told me that from their " internal way of verifying '' they could not verify it. 

I asked why they can " verify '' a credit card or an account with a photo of a passport and an XXXX but they can not do a videocall with the owner of the company and just check the passport and have the company documents sent. They told me like robots that if I can not provide a phone number that they can verify in their own way they may not release the funds.
Product: Student loan

I called XX/XX/XXXX to refund the payments I made with my student loan with my loan servicer MOHELA and the refund amount that was requested was {$21000.00}. The MOHELA representative said it would take XXXX days for it to reflect on my bank account. 

I called again XX/XX/XXXX with MOHELA to follow up as I have not received the amount of refund I requested for after waiting. The representative then says they are backed up and it can take another XXXX more days as the previous representative did not process my request. 

I called again XX/XX/XXXX with MOHELA to follow up and they said I should be receiving it soon and even waited XXXX additional hours to speak to manager for her to leave a note on my request as I told her I had other payments that needed to be paid before the new year and she said it should be coming in sometime this week. 

I called again XX/XX/XXXX with MOHELA to follow up and they said that the Department of Treasury is still processing my request. I have become upset and told them that my personal payments are overdue and now interests have accrued that I should have not owed as MOHELA did not handle my request properly and continues to tell me the same thing over and over and wait after I have been waiting for longer than the time period I was told that the money was going to come.
Product: Checking or savings account

Our Business Checking account was with XXXX XXXX which was bought by Chase Bank. 
Our account was moved over to Chase. At this point we attempted to engage with Chase to expand our services. During this process we received a letter from Chase informing us they were closing our account down. ( See attached letter ) We contacted Chase via email / phone, and attempted to speak to the two agents from our local branch. They all ignored us or claimed they couldn't confirm if the letter was accurate. 
As a business, being told your account is closing down in 30 days is very stressful as we need to pay our team. So we found another bank and quickly moved our money and payroll over to them. 
Since then we discovered that our Chase bank is still open and is now charging us fees. We have contacted the Chase branch, have emailed our Chase bankers and emailed everyone else we could at Chase. They are all ignoring us and I worry that the fees adding up with punish our personal credit. We are asking for help to have our account closed so we can carry on with our lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam disputing the following accounts XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX DEPART EDU XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX   XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX DEPARTMENT OIF EDU XX/XX/XXXX XXXX. These accounts are fraudulent. were done by theft
Product: Mortgage

The mortgage was paid off in full on XXXX/XXXX/XXXX and Bank of America submitted the Deed of Release to XXXX XXXX, XXXX XXXX XXXX of Deeds. The instrument number that Bank of America submitted was voided due to missing an e-file certification page. Bank of America never resubmitted the release of deed. I am currently trying to sell the house and I am having issues trying to get this from Bank of America. I have contacted them over XXXX times and feel that nothing has been accomplished. I do not know what steps I need to take next in order to obtain this release of deeds from them. I am attaching the instrument number that Bank of America initially submitted that was voided.
Product: Mortgage

In process of purchasing a new home form XXXX XXXX XXXX we were required to use it 's affiliated mortgage company Home American Mortgage. The process started in lateXX/XX/XXXX, at first initiation we stated we wanted a conventional loan, 20 % down payment. Home American Mortgage pre- qualified us an FHA Loan , a required us to payoff all debt in order to qualify for the conventional Loan we wanted. We inquired on what we should be doing to raise our credit scores to help obtain or conventional loan, we got no response, from the loan person. This was already the 2nd loan person we had been moved to, due to the first being very rude and callus with my wife. After a couple of attempts we were not satisfied with responses or response time from XXXX XXXX. We were then moved XXXX our third loan person in lateXX/XX/XXXX. XXXX was again prompted that we sought conventional loan we needed guidance as to what we could be doing to raise scores and be sure we were in good standing with credit scores. Our real estate agent was also in contact with XXXX, questioning why he had not spoke to us, gave any repose to questions or even pulled credit to see what our scores were. XX/XX/XXXXstill heard nothing from XXXX, our agent again reached out to him voicing concerns. Finally received word from XXXX XX/XX/XXXX with useful info, he had not pulled credit, the loan was still in FHA status with credit scores from XX/XX/XXXX XX/XX/XXXX XXXX ( branch manager ) reached out to me saying that she would handle all concerns now, after a brief discussion I voiced my concerns and requested guidance again! My call was not answered until a week later by XXXX, all these months wasted were I could have done credit repair/improvement gone. Which leaves me at FHA with PMI, and a mortgage payment that was $ 600- {$1000.00} higher then it could or should have been, pricing me out of the home purchase. All due to no guidance and complete negligence on behalf of of XXXX Affiliate Home American Mortgage. XXXX now is retaining our earnest money of {$9700.00}. Stating " Buyers Remorse ''. All we did id everything required of us, and now as a direct result XXXX is keeping our {$9700.00} at no fault of our own!
Product: Debt collection

A notice of cease and desist, as well as certified proof of contract was sent to Sequium Asset Solutions , LLC on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me every day a couple of times a day, since the date listed on the notification letter.
Product: Credit card or prepaid card

I have a Wells Fargo XXXX XXXX XXXX card, Which has a balance of {$27000.00}. The Credit Limit on the account is {$18000.00} and the Cash Advance Limit is {$10000.00} The reason for the balance being over the credit limit is due to fraudulent charges that Wells Fargo " Refuses '' to conduct an investigation on. Wells Fargo has not provided me any documentation proof, showing anything of where they have investigated this nor how they have come to this conclusion. The reason for the claim they state they can't investigate, they state that it's because these were disputed and the disputes validate the charge. Let me clarify, I disputed the charges trying to mark these as Fraudulent, However Wells Fargo website does not allow you to mark transactions, as Fraudulent. So in an effort to report these fraudulent charges I submitted a dispute and in the dispute I wrote DID NOT RECEIVE MERCHANDISE. Again, As It states. I didn't receive the merchandise because I didn't. These are fraudulent charges. I do not believe this investigation is being conducted in a fair manner. You are putting my credit line {$9800.00} Over the Credit limit because of these fraudulent charges which I am listing below. I believe this should be investigated, Because I did not authorize these merchants as stated in the original fraud claim. I also want documentation you reviewed during your research. I do not have an XXXX Account, Nor have I ever had one. I do not have a login for XXXX. I have not done business with XXXX XXXX nor XXXX. The email : XXXX was used in Identity Theft. Sold by thieves on XXXX. Which was confirmed in XXXX  Identity Theft Alerts. 

Additionally, Example of one of the charges that was never taken care of : XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX=XXXX XXXX TX XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX TRIP XXXX CA XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX TRIP XXXX CA XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX TRIP XXXX CA XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX TRIP XXXX CA XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX TRIP XXXX CA XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX TRIP XXXX CA XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX TRIP XXXX CA XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX TX XXXX I do not have an XXXX account, Nor Do I have access to XXXX OR XXXX. Again, XXXX is not authorized, XXXX is not Authorized, XXXX is not authorized. I did not authorize any of these transactions yet Wells Fargo has not done anything or conducted any investigations to assist with this matter. 

Additionally on my College Card which had been stolen at the same time, The same thing occurred XXXX Charges that weren't authorized because again I do not have an uber account, and other charges as reported. These were and still are fraudulent transactions. This again was not investigated and Wells Fargo billed me these fraudulent charges. I do not believe I am liable for fraudulent transactions.