23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$180.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX CO XXXX XXXX BALANCED {$790.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX BALANCED {$3300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX BALANCED {$170.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX BALANCED {$150.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$440.00} XXXX XXXX XXXXXXXX BALANCED {$1100.00} XXXX XXXX XXXXXXXX BALANCED {$440.00} XXXX XXXXXXXX BALANCED {$130.00} XXXX XXXX XXXXXXXX BALANCED {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis Risk Solutions has failed to remove the bankruptcy off my consumer credit report. On multiple occasions I emailed and sent letters via the united states postal service requesting that they provide proof that the bankruptcy listed on my lexis nexis report is accurate and to provide some sort of documentation from the direct federal court house or even a wet signature. Each time Lexis Nexis failed to do a proper investigation. I called the federal court house and confirmed that they are not enrolled or subscribed to any credit agencies to report data but yet lexis nexis without my consent reports this and shares this information to the major 3 credit agencies which is a direct violation of my federal consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Trans Union Rep and told them I was affected by their ( INQUIRY ISSUE ) The told me to contact companies that did the inquiries. So I did and they told me I requested the inquiries which is false. And they would not give me a letter to give to Trans Union stating that fact.
Product: Credit card

Im a XXXX veteran living off VA XXXX income of $ XXXX. Which is {$26000.00}. They gave me a credit card with a {$25000.00} balance. This was negligent and irresponsible and only approved because Im XXXX. If I was XXXX they would have never given me this credit card with the absurdly high limit for someone so poor. It was a setup and trap on a young person with financial ignorance. They followed none of their policies in approving me. I did not qualify for what they handed over and they need to acknowledge they made a mistake. Navy Federal Credit Union was just caught disapproving qualified XXXX people from home lones during the same period they approved me.
Product: Prepaid card

On XX/XX/year> I made a XXXX grocery pick up purchase for {$140.00}. I ended up not needing the pick up and canceled it. XXXX reversed it on their end. Days went by and I didnt receive the refund back to my account. I called and the XXXX said he reversed it and I should see the funds within XXXX hours.. XXXX hours came and I never received the refund.. I called back and they said there was a problem with their system and its going to take up to 15 days to receive my refund. 15 days goes by I still do not have my refund. They said upper management is dealing with it and it should be resolved by XX/XX/XXXX. XX/XX/XXXX is here and nothing. I keep getting a different answer every time I call. I asked how long this takes and the representative said she didnt know. The other representative hung up on me when I asked for their refund policy. I keep getting the run around and I want my refund. Its been a month.
Product: Debt collection

I told then I add no idea of the reason why they keep calling me and try the get some more information from them but they keep calling me everyday early in the morning and late night Trident asset management just won't take no for on answer, I ask the representative to stop calling my phone the person then became very nasty and started using very nasty comments at me.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles lack of adequate consumer protection, particularly when it comes to dispute charges and fraudulent transactions. Unlike other payment platforms, Zelle does not provide a comprehensive dispute resolution process, leaving customers exposed to financial harm when unauthorized transactions or scams occur. I urge Zelle and its partner financial institutions to take these issues seriously and adopt more effective measures to safeguard customers funds and trust.
Product: Credit card or prepaid card

On XXXX my card account was hacked and my login info was changed and I could not access my account. I had XXXX dollars in the account at the time it was hacked and stolen. I contacted the company ( payfare ) and was told it would be looked into and they would get back with me in 24 hours. After 24 hours I was not contacted so I contacted them again and was told it was still being looked into and would be another 24 hours. I still have not heard from them after a further 24 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Balance {$720.00} On XX/XX/2022 I sent a certified letter to all three credit bureaus ( Experian, XXXX XXXX XXXX XXXX asking for them to do a thorough investigation of everything on my credit report. On XX/XX/2022 Experian stated that everything was accurate, and their investigation is complete. I never received any correspondence from XXXX or XXXX in regard to them researching my credit report. After completing some research on my credit report, I have still found some inaccuracies on my credit report even after their investigation was completed. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A. section 2, It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a delinquent credit card from XXXX XXXX XXXXXXXX ( XXXX ) appeared on my Equifax report. 
The account had been opened in XXXX in California, where Ive never lived, or even visited at that time. 
The account had been current until then based on the history shown in the report. 
I had XXXX XXXX credit cards which I paid off and closed in XXXX. 
I called the bank and they couldnt find the account under my name, social security number, etc. 
XXXX then sent me a letter saying that the information they provided to credit agencies was correct, and that it appears that one or more agencies may have combined my file with a file of someone with a similar name, and that I needed to contact the agencies directly so they could update their records. 
So, according to XXXX, the issue is with Equifax ( only credit agency where the account is shown ), but Equifax refuses to fix it. 
From Equifax : Account : XXXX Balance {$21000.00} Limit {$24000.00} Opened XX/XX/XXXX Date reported XX/XX/XXXX Date of first delinquency XX/XX/XXXX
Product: Checking or savings account

We bank with Synovus and have several checking and savings accounts. On XX/XX/12 at XXXX I received a call from Synovus advising of a possible fraudulent transaction on our debit card. I was asked to verify the transaction and when I noted it was not valid and that the store in question was in XXXX ( we live in XXXX ), the agent offered to block our account. I was asked verification questions to confirm identity and then was told that the account was blocked and they would be issuing new cards. I was then asked about wether we had any mobile wallets ( XXXX XXXX, XXXX XXXX, etc ) to which I replied we only have XXXX XXXX. I was then advised that the transaction was attempted using XXXX XXXX  so they needed to shut down the digital wallets as well. I agreed and was placed on hold. 

What I didnt realize at the time was that the person on the line was not from Synovus, even though the phone number matched the number on the back of my card, it was someone taking over my accounts. While I was on hold with the supposed agent, they used the identity verification information to reset my online access to Synovus, accessed all of our checking and savings accounts, transferred all of the funds from all of the accounts into the main checking acct ( for which they had my card number ), then setup XXXX XXXX with an actual agent and proceeded to spend all of our account funds ( approximately {$32000.00} ). 

Synovus has been contacted and is currently investigating the fraud ( noting several other identical cases ). I have a case opened with XXXX XXXX XXXX office in XXXX, XXXX  and they are also investigating. I was also advised to contact the FTC and report this as well for financial crimes fraud investigation. 

Because the fraud involved our online access, those accounts have all been suspended and I currently have no way of providing the details of the transactions, other than the total reported by the fraud agent working our case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my consumer report that I would like to be removed. 
These inquires are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department EDU
Product: Money transfer, virtual currency, or money service

My paypal account was hacked by someone else starting around XX/XX/year>, and I didn't notice it until XX/XX/year> because I stopped using that account from XXXX. I got fraudulent charges from XXXX XXXX, XXXX through Paypal from XX/XX/XXXX to XX/XX/year> and it debited all the money from XXXX XXXX account. I filed the case for all 10 transactions and 3 of them were reimbursed to me but the others got denied by Paypal and Paypal claimed that they were not unauthorized charges. It is unbelievable that Paypal assume those transactions were done by me because they all have the same recipient name and shipping address ( including the ones that they refunded me back the money ). I asked for the evidence showing those fraudulent transactions were done by me and Paypal rejected. I filed the police report and can provide report number if needed to show that I didn't make those purchases and I will bear legal responsibility to my words.
Product: Vehicle loan or lease

On XX/XX/22 I paid my RV Loan from Bank of the West for {$7100.00} via online banking app. I mistakenly ended up double paying because it didn't appear that the 1st payment had gone through. I called them immediately once I noticed that I had double payed and told them of the error. They told me that since it hadn't posted on their site yet, they couldn't do anything about it. They also said that it was possible that the 2nd payment may not have gone through since I had paid off the loan with the 1st payment. They told me to call back when I noticed it posted from my bank. 
On XX/XX/22 I called them back telling them that both payments had been posted to my bank and requested a refund. I was informed that only XXXX of the payments was showing on their end so the 2nd must have been pushed back. I accepted their excuse at the time. 
On XX/XX/22 I called them back once again explaining to them the whole scenario. This time the CS agent asked me to confirm the 2nd payment with a screenshot of my bank account statement showing the posting. I did and he accepted it and told me that they would issue me a check. 
On XX/XX/22 I was told that the check was in the mail On XX/XX/22 I still had not received my check, so I called and once again explained the whole situation. The CS agent told me that a check was indeed issued on the 16th. I asked why it was taking so long and was told that the XXXX is very slow and they have no control over the mail. 
On XX/XX/22 I called them once again since I still had not received my check. At 1st the agent told me he couldn't even find my payment, then he told me that he couldn't find any checks that had been sent. The he said could see a check for {$17.00} and change sent on the 29th. I told him, it was a {$7000.00} check, not {$17.00}. He said that he could only find a {$17.00} check. When I provided the dates that I had called and inquired, he finally told me that yes, he could see that a check was sent out on the 16th. I told him I wanted a stop payment on that check and for them to electronically submit my money to my bank. He told me that I had to call my bank and request a stop payment. I asked him how my bank could request a stop payment on a check they didn't send or even receive? If he was talking about my end of the 2nd payment, I can't stop that, the bank has paid it already. The CS agent was giving me the run around and providing me with idiotic excuses. When I told him that, he told me that I was getting too upset and irate and that he was going to disconnect me. I told him he needed to get to the bottom of the situation and get my check to me, to which he told me again that he was going to disconnect me. So, I disconnected instead since there was no way I was getting anywhere with him.

Also, I am unable to access my online account or my statements through Bank of the West now either.
Product: Debt collection

i have a record from a company called WAKEFIELD & ASSOCIATES, for which i didn't receive any notice and i can not contact them through the number published, which is ( XXXX ) XXXX, There was a dispute via XXXX XXXX XXXX as they didn't charge my insurance correctly. i want to dispute this charge and get it removed, please.
Product: Debt collection

I contacted I C systems Inc to dispute a collection on my credit report. This same account appeared in XXXX with the same company ( IC systems ). At that time it was disputed and it was removed. Now the company again is involved in similar practice of putting someone else 's account on my report as debt. I have contact and filed an affidavit with XXXX XXXX, Police report, FTC Identity theft, however the company is still engaged in violation of CFPB practices. This account is not mine, has been disputed as fraud, once before in XXXX and again in XXXX. The company could not check in its own database that this account was disputed before and is trying to collect again violating the policies.
Product: Checking or savings account

There where 3 fraudulent charges in 2022 in the amount of {$1200.00} each paid to a XXXX XXXX. Totaling {$3700.00} via XXXX. 

I did not make or authorize these charges. I spoke with a Chase representative that said they would investigate and get back to me. They have not. They also claimed that the funds would be paid to me via cashiers check and nothing was done.
Product: Debt collection

Today is X/X/2017. I have spoken with Wells Fargo Dealer Services on several occasions and submitted proof of payment from XX/XX/XXXX 2017 to XX/XX/XXXX 2017. I am up to date on all payments however I am constantly receiving calls twice a day, 6 days a week from Wells Fargo even after speaking with them and sending in proof of 2017s payment history with proof of certified documents delivered and received.
<P/>
The issues started, when I submitted a money order to Wells Fargo in XX/XX/XXXX 2017. I noted on the money order for the payment to be applied to the principal. Wells Fargo conveniently claimed they never received my money order in the mail. I had to cancel the money order and wait for a new one to be reissued through XXXX XXXXX. The process took over 30 days for the money order to be traced and refunded. When I finally received the money order I re-submitted it to Wells Fargo through certified mail. I also submitted several money orders in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 2017. <P/>However, Wells Fargo is continuing to play games claiming I still owe two back payments plus XXXX in late fees. This company calls me every day attempting to collect money that I do not owe. Im also receiving calls from the repossession department. The problem has gotten out of control with Wells Fargo and this company continues to violate my rights under the Fair Debt Collection Practices Act. My only option was to file a claim and reach out to the necessary authorities because of Wells Fargos deceptive business practices. <P/>Wells Fargo is a predatory lending company. My car loan originally included a loan Packed with Junk Fees like gap insurance and a vehicle service contract. A car valued at XXXX sold at XXXX ( through the dealership ) ended up costing me nearly XXXX. Wells Fargo and the dealership already got over on me, and Wells Fargo is continuing to beat me out of more hard-earned money and now attempting to make an illegal repossession. <P/>Wells Fargo does not have the right to continue to use repossession as a threat under the Fair Debt Collection Practices Act because You can not use false or misleading representations to collect a debt. Wells Fargo does not have the right to continue to call my business phone twice a day six days a week after I have submitted proof of payment and after I have repeatedly asked them to investigate the matter and to seize all contact to my business line. <P/>Wells Fargo does not have the right to continue to falsify actual payments received or the legal status of any debt ; the following conduct is a violation of section 808 Unfair practices and 807 false or misleading representations. Wells Fargo does not have the right to withhold sent payments and to refuse to credit my account. Wells Fargo is not willing to comply or investigate the matter simply because they dont have to and I dont have the authority to force them to abide by the rules and regulations. So, I am reporting them and seeking some form of resolution with Wells Fargo Dealership Services.
Product: Credit reporting or other personal consumer reports

Southwest Credit Systems agreed to delete a collection account for the XXXX XXXX XXXXXXXX XXXX once payment was received. The payment was made, and Southwest Credit systems updated the balance but did not delete the account.
Product: Mortgage

My XXXX year old sister, works at a XXXX earns XXXX dollars an hour, has XXXX saved, and is very stubborn and not very educated, has completed a year of college. She applied to a loan at Huntington Bank, they approved her for XXXX. At her pay, should could n't even pay for utilities and food, let alone a mortgage. Given that an adults brain does n't even fully develop till age XXXX, where your frontal lobe that makes decisions develops. ( at age XXXX I believe you 're learning what beer is ) How is that bank is allowed to give a naive person XXXX debt, that they will be tied to and will harm my family that survives off a mother earning XXXX a year.
Product: Credit card

We purchased a sewing machine XX/XX/XXXX and was given 5 years interest free and the machine was paid off in off XXXX, 6 months early. We purchased a second sewing machine XX/XX/XXXX and was told we would get 5 years no interest. We noticed in XXXX of XXXX 7 months of monthly interest charges with a {$4000.00} back interest charge in XXXX. After looking into details of the charges we noticed the second machine was set up as 12 months no interest. Both machines were paid using the auto pay feature on synchrony 's credit card account. We called synchrony bank to request the interest be taken of the account due to the clerical error and asked why would someone with an XXXX score and who paid off this first sewing machine 6 month early occur {$5900.00} in interest. After speaking with XXXX, XXXX, and XXXX all supervisors, they all gave us the company line. ( it's against financial laws to waive interest charges. ) XXXX was last supervisor we spoke with and said if we did not have any question other than the interest on the account she would release the call and immediately did so. We feel the 34 % interest charged is predatory and the 12 month no interest which should was sold as 5 year no interest was bait and switch tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get Experian to remove an unverifiable bankruptcy. I have been trying to fix this for a year now. On XXXX, 2021, I sent another dispute. Experian said their third party vender XXXX verified the bankruptcy as accurate. On XX/XX/2021 in sent Experian a letter asking them for their method of verification. I also requested all information in my file that pertained to this unverifiable bankruptcy. Per 623 of the fair credit reporting act. They never sent it. I call XXXX and they said they never verified the bankruptcy. I also talked to the courts. They said they do not verify bankruptcies to credit bureaus. I sent Experian a copy of my dispute with XXXX and the results where this bankruptcy was deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to all 3 credit bureaus telling them that specific hard inquiries were not authorized and should be deleted. It has been over 30 days and I have not heard anything back and the items haven't been deleted
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute unauthorized hard inquiries on my ( XXXX, Equifax, and XXXX ) credit report. My most recent credit report shows ( 6 ) inquiries that I did not authorize. These unauthorized inquiries are negatively impacting my credit and causing undue distress.

According to the Fair Credit Reporting Act, 15 USC 1602p, " unauthorized use '' refers to the use of a credit card by someone other than the cardholder, without the cardholder 's permission or benefit. As I did not authorize these inquiries or benefit from them in any way, I am requesting that you promptly remove them from my credit report in compliance with the FCRA. 

Please let me know if you require any additional information to process my dispute. I look forward to the swift removal of these unauthorized inquiries. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing in response to your recent communication regarding an alleged debt. Please be advised that I am unaware of this debt and have not received any proper notification as required by law. If you believe that you have provided me with proper notification, I request that you send me the certified receipt that includes my name and signature as evidence of delivery. 
Until this information is provided, I do not acknowledge the debt remove the account from all credit report for lack of proper notification I am writing in response to your recent communication regarding an alleged debt. Please be advised that I am unaware of this debt and have not received any proper notification as required by law. If you believe that you have provided me with proper notification, I request that you send me the certified receipt that includes my name and signature as evidence of delivery. 
Until this information is provided, I do not acknowledge the debt remove the account from all credit report for lack of proper notification