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

PayPal was not able to reach me to resolve a claim issue - but can call directly when they reverse the claim. 

Short version of the long story : Ordered a phone in XXXX it didnt work, returned to distributor. Never got my $ back, so filed a claim with the co, then PayPal who reversed the charges during investigation.

Yesterday I got a call from PayPay for payment collection on the claim they reversed. Had not heard from them since the claim was filed - apparently because i had an old email address as primary on my nearly 20 year old account info. ( Mind you, my phone # & additional email address also on their contact info file were not used to reach me to resolve the claim ). 

Supervisor XXXX # XXXX - informed me that its completely legal according to their user agreement that they have the right to behave in this way ... .. not using customer contact information to assist a customer in need, but able to reach me when they can capitalize.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's fraudulent hard inquiries in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to mild practice of several laws were being broken under FCRA by your company this cause financial PROMBLEM DEFORMATION OF CHARACTER I CAN NOT GET A JOB AND APPLY FOR CREDIT I CANT EVEN GET A XXXX LOAN DUE TO THE PANDEMIC .UNDER THIS CRISIS YOU HAVE HURT MY ABILITY TO APPLY FIR CREDIT I ALSO HAVE PROOF WITH TRACKING NUMBER THAT THE COMPANY HAVE GOT TA MY LETTERS
Product: Checking or savings account

Due to the recent Wells Fargo settlement of XXXX, I believe I am entitled to compensation due to the terms outlined. I was a Wells Fargo Banking Customer from XXXX, the time in which the settlement says Wells Fargo harmed its consumers with illegal activities. I have not been contacted about my involvement with the settlement as of yet, which was required. I have cause to believe that I am eligible to be compensated from this settlement, and would request communication of that.
Product: Checking or savings account

Capital Bank held a business account. They took the funds and closed the account upon rebranding their bank name to Horizon. I never authorized my business account to be stolen from. Thanks for anything you can do to avoid fraud in the future. This is bank is a scam. I never authorized any funds to be withdrawn from my account.
Product: Credit reporting or other personal consumer reports

Apple and Goldman Sachs USA has been reporting and billing me for loans and account repayment that, I, the Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay. I am writing to address the matter of the debt associated with my account. I am the beneficiary of the XXXX XXXX XXXX Living Trust, and repaying this debt is not beneficial based on a careful consideration of various factors. Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged debt would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the word credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property and estate. Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged debt, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged debt associated with my account in light of the trust relationship and equitable considerations. Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from all credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. And this constitutes fraud and misrepresentation. It's three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. Furthermore, I filed a UCC-11 Search regarding any debts, liens allegedly owed by the consumer ( I have attached a certified copy ) and there are no debts or liens placed on the consumer. This has led me to believe that companies and consumer reporting agencies are conspiring against me and attempting to extortionate me the consumer to collect or attempt to collect any extension of credit which is a violation of 18 USC 894. I appreciate your attention to this matter and look forward to a fair and equitable resolution.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally request the removal of negative accounts and hard inquiries from my credit report due to identity theft. 

I recently discovered that unauthorized accounts were opened in my name without my consent. This has severely impacted my credit score and financial standing. I have attached relevant documentation, including a police report and any supporting evidence, to verify my claims. 

As a victim of identity theft, I kindly ask that you investigate this matter and remove any negative entries and hard inquiries that are not linked to my actual credit history. I believe this action is necessary to rectify my credit report and alleviate the consequences of this unfortunate situation. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

yesterday on XX/XX/XXXX i received a hard inquiry from a CBNA company that i know nothing about i didnt fill anything out that can be on my credit report as of now i really don't know where it came from and hoping it can be raking off ASAP
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( FTC Complaint Number ), filed on ( FTC Complaint Date ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 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 XXXXXX/XX/XXXX I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

To whom it may concern at Transunion, On XX/XX/2024 I contacted Tranunion and I am writing to express my utmost frustration and disappointment with the service I received from one of your employees, " XXXX, '' in the Special Handling Department. Our conversation revolved around my request for an investigation into a letter regarding another investigation, and while " XXXX XXXX promised a resolution, she ultimately ended the call abruptly and unprofessionally after keeping me on hold for over XXXX hours. This level of disrespect and unprofessionalism from a customer service representative is simply unacceptable. 

Throughout our conversation, I was given conflicting information by " XXXX '' - first, she stated the issue was due to an incorrect address, and then later claimed it was due to the FCRA law. When I requested the specific section of the law for my own understanding, she refused to provide it and instead chose to hang up on me. As a retired XXXX XXXX XXXXXXXX veteran, who has served my country with honor, I should not be treated with such disregard and lack of respect. 

It is concerning to see that an employee of your company would behave in such a manner. I have taken the liberty of recording the entire conversation for my own records and for my attorney 's review. I am deeply disappointed in the lack of professionalism and respect shown during this interaction. I hope that appropriate steps will be taken to ensure that no other customer has to endure such poor treatment in the future.
Product: Checking or savings account

Hello CFPB officer, I would like to file a complaint on Citibank regarding the {$400.00} New Checking and Saving Account Promotion. I have opened the new checking and saving accounts with Citibank on XX/XX/XXXX based on their {$400.00} bonus offer link that I found online. I have followed the requirements of funding {$15000.00} in the accounts and maintained the requirements for 60 days. I also have reached out for several Citibank representatives either by phone or via the Live chat ; all of them have informed me that I have met the bonus requirements and not sure why I haven't received the bonus. One of the rep went ahead and summited a case for me on XX/XX/XXXX. On XX/XX/XXXX, Citibank sent me a letter saying that I am not eligible for the bonus as I didn't have 01 qualify deposits. To my best knowledge, there wasn't this requirement when I opened the accounts with them back in XX/XX/XXXX. None of the reps that I have talked to informed me about that. They all have informed me that I have met all the requirements. After I received the rejection letter, I have been calling Citibank. No one was able to resolve the case or give me a proper explanations. Each of the reps I have talked to give me different explanations and I have been being transferred. 
Please help me escalate the case and let me know if there is anything I can provide on my end to support this claim. 

Thank you for your time!
Product: Credit reporting or other personal consumer reports

Despite the lawsuit and the ftc reports that have been filed EQUIFAX is still ignoring the legal duty to block items on my credit report and has been for over a year since the discovery and im also a victim of the data breach and has cost me several thousands of dollars and deprived me of the goods and services needed for human survival. XXXX finally removed all but 2 accounts, but EQUIFAX doesn't not want to abide by the court orders to stop ignoring consumers and that's what going on and I'm requesting arbitration and compensations and DEMAND they remove all requested items and its past the legal time allotted according to to the 605 B FCRA ACT LAW for the accounts listed below are in violations of the time of 5 days to comply with the law they have all ftc reports and id etc and still want ignore you, i called and they are trained to XXXX you off instead of do the job the law requires them to do and then online they just want to sell you products and a system that is not even compliant with the FCRA ACCOUNT 's XXXX XXXX # XXXX for {$490.00} XXXX # XXXX for {$1900.00} XXXX XXXX  XXXX XXXX # XXXX {$50000.00} XXXX XXXX # XXXX for {$470.00} XXXX XXXX XXXX XXXX # XXXX {$10000.00} XXXX Inquries are not recognized and are due to the data breech and id theft report to the FTC and has been ignored again as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  REMOVE NOW 605 B block ignored again and seeking the civil damages of the FCRA 15 U.S.C. 1681 n Every day for a year XXXX $ an hour for XXXX hrs a day x XXXX, loss of home, car, and made to suffer and i am XXXXXXXX XXXX XXXX whom has been under the violations of this willful intent of harm damaging my life for over 7 years and been homeless for the last year when i decided to fight back after being affected in the data breech and was never informed so i didn't get to sign up for the lawsuit. This company has destroyed my life and forced us to suffer and its a crime along with reporting this to the agency that is supposed to govern the FCRA and compensate victims and take action when they ignore the law and to be enforced but no i get ignored and will be submitting to the TRUMP ADMIN and ELON MUSK because im a perfect example of why there is no need for the CFPB because im still being ignored and i demand compensation from this lawsuit and i mean it!!!!!!!!!!!!!!!!!!!!!!!!!!!!! And Enforcment of the ignoring of a 605 B block and make EQUIFAX REMOVE THESE ITEMS NOW!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting

I am a XXXX yr old XXXX in High School.. While in our XXXX class we had to investigate fraud.. my credit report shows things that happened when I was in elentary school. These are not mine. I would like to know how to get them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$56.00}
Product: Credit reporting or other personal consumer reports

Someone stole my identity and created a XXXX  XXXX, i check my credit my credit went down XXXX points my credit score was XXXX its now XXXX Im very disappointed
Product: Mortgage

Letter dated XXXX XXXX 2021 Gateway Mortgage a division of Gateway First Bank is charging {$460.00} to close or wave the escrow account on my mortgage. They are holding money I paid to them for annual insurance and county property taxes. To allow me to pay these annual charges myself they are requiring I pay nearly {$500.00} to stop prepaying these insurance and tax amounts. I have reviewed all the closing documents at the time of the loan initiation and can find no mention of this excessive fee. This predatory practice by a large corporation has no basis or merit for such an excessive charge other than to dissuade the consumer from taking these funds from Gateway and keeping them in their own bank account!
Product: Checking or savings account

I deposited a check at Chase Bank on XX/XX/2023 from my insurance company XXXX XXXX, in the amount of {$20000.00}. The check was in the name of myself and my lender. The check was returned and a legal copy sent to me. I went into the branch and redeposited the check with the branch manager, the check was placed on hold until XX/XX/XXXX. Once the funds cleared my account was restricted. The bank returned to me {$1400.00} which was the monies I had over and above the deposit of {$20000.00}. I contacted Chase with my lender XXXXXXXX XXXX  and XXXX asked Chase to send another legal copy of the check to endorse-yet Chase refused and then closed the account. As of now the monies to repair my home are just sitting with Chase bank in a suspense account-and my home needs to be repaired. Would be grateful for your help.
Product: Checking or savings account

On or about XXXX. 2018 my checking & secure credit card have overcharges ... .fraud alerts & just out right people and/or places started stealing money out of my account ... ..like a hotel in Wisconsin charging my secure credit card for a nights lodging when I called & concealed the room ... ..Well Fargo does nothing ... .they always take the company line over my word. 

This has been going on & on .... 
Well Fargo does nothing .... 

I get frauded ever month now since ... XXXX Wells Fargo does nothing Finally this year I filed a complaint with the XXXX  & they almost 600 $ instantly .... 

What is an average man to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge or records of the listed account XXXX # XXXX, XXXX XXXX XXXX Please advise me as to the name and address ( es ) of the medical provider, the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete.

If you can obtain this information, I also would need the name of the medical sales providing this proof and claim, how was the information was received so I can prepare a legal remedy ( law suit ). This is potentially a servious HIPPA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, a Natural Person, am writing pursuant to the Fair Debt Collections Practices Act 15 USC 1692g , to inform you that I protest the alleged account/negative activity associated with my credit report. I submitted a dispute to XXXX, Transunion and XXXX on XX/XX/XXXX. Companies responded that all information was true and accurate. This is not a Fact. I disputed a bankruptcy listed on all 3 reports. The dispute came back as verified by all three bureaus. XXXX XXXX XXXX has been listed on my credit report as being a part of the bankruptcy since XXXX. Transunion, XXXX and XXXX have furnished false information on my report for almost 5 years. As you can see in complaint # XXXX XXXX XXXX XXXX confirmed that they were never included in the alleged bankruptcy. This response was sent to the CFPB on XX/XX/XXXX. This is 60 days after I was told all information is accurate, in which is not the case. XXXX, Transunion and XXXX have violated 15 USC 1692ga validation of debts. This violation has caused me mental anguish and stress. XXXX, XXXX and Transunion are in violation of 15 U.S.Code 1692 ( k ). please delete this alleged bankruptcy and all accounts associated with alleged bankruptcy.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies. 
please remove these inquiries from my credit report. 


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

To whom it may concern, I am writing a letter of dispute. I have included a copy of my driver 's license and social security card to validate my identity. In accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( hereinafter referred to as " FCRA '' ), your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report.

I am formally requesting verifiable proof of the original consumer contract with my personal signature on the record. 
I have listed the accounts below in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA, unverifiable accounts must be promptly removed. 
I formally demand the following negative account records to be verified and/or removed immediately. 
Must provide proof of all your verification of the debt Explain and show me how you calculated what they say I owe Provide me with copies of any papers that show I agreed to pay what they say I owe with the original contract and my signature Identify the original creditor Provide a verification or copy of any judgment ( if applicable ) Please provide proof of the debtor, that they are licensed in my state and provide me with their license numbers ( if applicable ) XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Account Number : XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I withdrew XXXX from my XXXX account and transferred it to Coinbase. 
I should have changed the coins back to bitcoin before transferring, I know it was my mistake. It was {$9200.00}. 
I contacted XXXX and they said there was nothing they can do because the funds left there and went to a coinbase address. 
I contacted coinbase and here is the response I got back from them. 

Good day! 

Thanks for hanging in there while we investigated this case. 

Prior support personnel were correct in their assessment. Under no circumstances is anyone encouraged or allowed to send digital currency that is not accepted by XXXX, as these funds will be not be capable of being retrieved. 

For more info feel free to peruse here. XXXX XXXX XXXX XXXX My apologies that there isnt more we can do. 

Have a great day, and thanks for using Coinbase! 

XXXX Coinbase Support I contacted XXXX XXXX ( the coins I sent ) and they said they would work with Coinbase on retrieving the funds. 
This is the response I got from tether who said they would help, but coinbase still refused to pull back the funds. 
Dear Coinbase support, I have unfortunately accidentally transferred XXXX USD to my Coinbase address XXXX Unfortunately while you may not directly support these funds they are still now owned/controlled by this address you control. The XXXX team is more than willing to work with you on the recovery process if you will work with them. Can you please reach out to their representative at XXXX for additional information on how to recover and return the funds. 

Sincerely,
Product: Debt collection

On XX/XX/2016 I notified my property managers that I will be vacating my rental due to XXXX orders I provided them with the orders to break my lease. I left country XX/XX/XXXX and did not occupy the residence in the month of XXXX. The property managers however threatened to report me to the credit bureau as well as keep all remaining funds from my deposit if I did not pay the month of XXXX as well as asked me to pay from XXXX XXXX XX/XX/XXXX and whatever they do not spend they would send back to me but I refused due to military rights and clause. They reported me for unpaid rent and damages that are false. I did an inspection with one of the property managers as well as forwarded an email with proof of cleaning services but they still falsely reported this information to the credit bureau. during our walk thru the manager stated that holes in the walls from pictures will be taken out of the deposit I agreed and the manager stated that it wouldn't be no more than {$200.00} of which my deposit was {$690.00}. I also purchased new blinds and fixtures for the entire apartment, no other damages were noted. I ask that this be removed from my report due to false information and threats to attempt to seek debt not owed
Product: Student loan

I have a student loan with EdFinancial services and have been planning on getting PSLF loan  forgiveness. When I consolidated my loan I told the lender that I was planning on this and I asked which plan would work. They put me on the Graduated Repayment plan. I just contacted my lender to verify that I have made 120 qualifying payments and they told me that the payment plan that I am on does not qualify. As a result I owe a large amount of money that I was expecting to have forgiven.