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

On XX/XX/2020 I placed an order from the website XXXX XXXX XXXX XXXX in the amount of {$280.00}. I was led to BELIVE that the website was official and I was wrong. After a week I sent them an email about my order and about how I hadnt received a tracking number or invoice number just an order number that I couldnt even use. I was sent a response that it would take 3 weeks to make the order and another week for shipping. After about two weeks I attempted to contact the company XXXX XXXX XXXX XXXX and there website had been deactivated. At that time I contacted my XXXX XXXX  card ( my unemployment benefit card ) to file a dispute about this scam and retrieve my money back around mid XXXX. I filled about the paperwork twice sent one through mail and one through fax. When I called the card for an update about this around the first of XXXX they told me it was denied because they never received paperwork for my dispute claim. I was told that I would have to reopen my claim and submit paperwork again. So I did so via fax again because with the pandemic I figured it was lost in the mail. After faxing off the paperwork needed I called the next week around XX/XX/XXXX for an update mind you every time I call Im usually on hold for 2 or more hours before I can speak with a representative. When I did speak with someone the told me that my claim was still in denial status and needed to be escalated. I have tried to hard to request call backs for supervisors and administrators about this issues and they seem to never be available. After failing to be granted access to speak with a supervisor I was ultimately told to just keep calling back because after it is escalated there is no real time frame for them to investigate the claim. So I called XXXX XXXX all with no updates on my claim. I called again for the last time XX/XX/XXXX and they finally updated me that my claim was denied again for not receiving paperwork. At this point its ridiculous and very frustrating that the same card company that is supposed to protect my money wont. I have included several screenshot of the website and its fraudulent messages complaints from the XXXX  they ( XXXX  ) have been scamming people out of there money and I just wish I would have done my own research before even playing an order Im asking as a single self employed mother of 3 I have been fighting for over 6months with XXXX  XXXX card for a refund of my money. I have provided every bit of information that I have and could find to support and prove that this company the XXXX is a scam company. Please help me get my money back. XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received the below email from my vendor, XXXX XXXX. It came from the correct email address for XXXX XXXX, the owner of XXXX, and requested payment for an invoice that I owed. XXXX had previously sent me the invoice from this email address with this subject line, however the email below did not come from him. Apparently someone accessed his email and sent me the below email with attached ACH payment instructions. After corresponding with this person I believed to be XXXX, I subsequently paid the invoice for {$30000.00} using these instructions. The instruction were for an account with Bank of America. On XX/XX/2021, I attempted to pay a second invoice using the same instructions. When it did not go through, I contacted XXXX. He told me the emails did not come from him and that he had other clients who received similar fraudulent emails and had also sent money. I attempted to dispute the transaction through my bank ( XXXX ), but they refused to investigate. I also contacted Bank of America who would not pursue investigating either, but did tell me the account was a BOA account and that it was not in the name of XXXX XXXX. I questioned how they could receive funds payable to XXXX if the account was not in the name of XXXX and they refused to comment. I filed a police report through the XXXX XXXX XXXX XXXX XXXX Police Department and told XXXX and the other parties to do so as well. Bank of America has refused to take any action on their claims either. It is beyond my comprehension why Bank of America will not investigate whoever opened this fraudulent account. 

From : XXXX XXXX XXXX Sent : Monday, XX/XX/2021 XXXX PM To : XXXX XXXX XXXX Subject : XXXX : XXXX XXXX XXXX XXXX  - First Payment invoice Importance : High XXXX, XXXX up regarding the attached invoice. As you can imagine, the collection of all outstanding payments has a unique level of urgency. We made upgrades to our billing system and with this we will be required to update our banking information with all our associates, All invoices should be processed via ACH payment only as we would not perform any check or Credit card transactions. 



Do you have the ability to process the payment via ACH transfer so i can provide you with our effective banking information? 


XXXX XXXX | XXXX XXXX m. XXXX o. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX
Product: Student loan

This is a follow-up complaint to Case number : XXXX. All preceding information can be drawn from the former case file. 

As verbally agreed upon with MEFA/XXXX, I began making quarter payments while the formal paperwork for the quarter payment forbearance was being processed. During this time, I received no fewer than six harassing phone calls to my personal cell phone, demanding immediate payment of the full value of the monthly payments, despite clear verbal instructions to cease phone communication, in clear violation of my rights as a lendee. 

Approximately 1.5 months after the quarter payment paperwork was filed ( date of XXXX XXXX, 2016 ), I received another phone call from MEFA/XXXX, again demanding immediate payment of the remaining balance, minus the quarter payments that I had already been making. This time, however, they informed me that they had rejected my forbearance application because they had changed the terms of the agreement IN THE TIME BETWEEN WHEN THEY RECEIVED THE PAPERWORK AND WHEN IT WAS PROCESSED without notifying me of the change until after it was rejected. Thus, they had outright denied the application on technical grounds. All of this clearly violates my rights to clear and fair lending as a student borrower.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX2023
Product: Debt collection

This happened in the middle of the pandemic when the whole world shut down i had XXXX and told them i was going to cancel my phone services because i didnt have a job, they told me dont worry we are giving time to our customers to pay because of the pandemic get 3 months or whatever them you will pay monthly when you get back to work or money coming in to you i accepted and didnt pay for 3 months them i paid one month the next month they want me to pay around XXXX in total i told them that i didnt XXXX XXXX or so because i wasnt working for the pandemic only living with the pandemic money was receiving from my gig job with XXXX XXXX XXXX i was lucky to be included because self employed dont get unemployment but because of the pandemic we did, i wasnt going to pay XXXX in total when i wasnt making money only living of unemployed how i would eat and pay rent, i told them i better shut down the service completely were then to stopped me to do so with the promise of giving customers time and then start repaying month by month at the time feeding me and my kids was more important than paying XXXX in whole, now they sent the bill to a collection agency which are harassing by calling me and telling me that if i dont pay they will send the account to collection and damage my credit no fair at all i dont gon na take the pandemic as an excuse but i was in a position of putting food on my table and pay rent with the money i was receiving from XXXX or pay arrogant XXXX in full i need help i dont want this collection agency ruin my credit that im fixing and making progress over an unfair practices of money hunger XXXX i need help please im fixing my credit this very important to me and now i have to deal with this credit agency maned CREDENCE trying to get me back with my credit progress
Product: Mortgage

Dovenmuehle employees getting kickback from a crook  that stole XXXX XXXX XXXX XXXX XXXX see XXXX XXXX then XXXX {$6.00} bill tax asset.  " 08extraordinary year 'XXXX wink Stolen from U.S.! so he has cash to buy off Dovenmuehle with kickbacks. He is buying home for XXXX the value of a stolen XXXX XXXX valued home of a senior citizen!! 
identity theft, ( driver 's license stolen and forged deed ) she made payments for 42 years on the same Property, the Identity theft, forgery, deemed Credible by fbi XXXX office, SEC XXXX XXXX Id theft guy Stole {$80000.00} cash out stolen 2 recent mortgages identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not delete these inquiries. Please follow the law so that this situation can be settled quickly. 

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

Atlas Credit Company is a predatory lender. I opened an account with them on XX/XX/XXXX. I then paid the account in full XX/XX/XXXX. They reported to Transunion I had filed a bankruptcy. I never filed a bankruptcy. I also paid the account in full. They refuse to remove the information from my account. I disputed the account multiple times and they refuse to acknowledge their error. 

I was unaware of this until I pulled my annual credit report. Both XXXX and XXXX  do not have this information listed. This lender is purposefully attempting to damage my credit. I believe they should be held accountable for inaccurate information. They continue to damage my credit and countless others. They are predatory lenders and should be held accountable. 

Atlas Credit Company XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Debt collection

I get repeated calls constantly. It was your usual Robo calling. We finally decide to call them back and request they not to call any longer. We ask why they keep calling and was told of someones debt. I told her no purchase had ever been made by us and to please remove our telephone number. She hung up the phone! I then called back and a different person answered. I was told she would remove my number ; and of course we keep receipts the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to freeze my credit report with experian multiple times using their website form and calling their various phone numbers. 

Each time I fill out their webform to freeze my credit ( https : //www.experian.com/ncaconline/freeze ) the result is a page that says they can not process my request and I should compile some personal documents and mail it to them. 

This is absolutely ridiculous as there is no risk to my financial health for freezing my credit file. No scammer has any incentive to freeze my credit file, just the opposite. So there is no justification for them to require me to provide further proof of identity to freeze my credit file.

Furthermore, in the text of S.2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act, credit reporting agencies are required to freeze credit reports within one day, that is impossible if they are making me mail documents to their processing center. 

I also attempted to resolve this problem on the phone with Experian, calling XXXX XXXX EXPERIAN ( XXXX XXXX XXXX XXXX ). There is no option to speak with a human on this automated system and the options do not address my problem. In fact, this system also instructs me to mail documents to their " Freeze Processing Center. '' I believe that Experian is not complying with S.2155 and creating artificial barriers to freezing credit reports. 

Attached below is the splash page from their website that tells me they can not process my credit freeze request online and must mail documents to them.
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate i dont know how in the XXXX can you guys report inaccuratethis XXXX needs to be removed asap And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX Delete accounts inaccurate and incorrect. 
Its violation of my rights and laws present this will result in violation 15 USC of 16811.15 USC 1681s2. 15 USC 168115. 15 USC 168eb. Delete ACCOUNT
Product: Credit reporting or other personal consumer reports

i was reviewing my credit report and noticed that a collection account from XXXX XXXX is still showing, even though it's been paid off for years
Product: Debt collection

Ive requested the original contract and identity of the person they are attempting to collect debt from and all XXXX does is say that the information is valid!! How???? Have never sent me any documents with my identification or original contract! Under the fair credit act and XXXX XXXX compliance the credit agencies must provide the correct information on all reports and AWA collections as yet to do that! I have never had any dealings with this company and I believe they have purchased this debt from a 3rd party company which is illegal! This company isnt on the other credit agencies why is XXXX holding this fraudulent account on my report
Product: Debt collection

I was a resident of XXXX XXXX XXXX XXXX in apartment XXXX for three years with a perfect record. I moved to apartment XXXX which was previously inhabited by XXXX, XXXX XXXX XXXX, who is a XXXX  etc. When I moved into XXXX with XXXX XXXX, I noticed that the floors were scratched, there were two fist holes  in the door that had been horribly covered up, the oven didnt work and the laminate flooring into the bedroom on the left had been nailed down to disguise damage. Soon after that, I started getting very sick, with XXXX  XXXX  and so forth. After further inspection, the entire AC system was full of black mold. I contacted the office and they sent somebody out to spray some XXXX in the AC unit. Really! We requested to be released from our lease via email, in which I do have a email confirming the apartments at XXXX releasing us that unit with no penalties except XXXX for removing a couch. This debt collection from national credit systems is false. These charges are completely false and I have pictures, videos and emails from the property manager or assistant at XXXX to back it up! Because of the false allegations my credit score has dropped nearly XXXX points!! If this is not corrected ASAP by National Credit Systems, I will bring charges against them to the fullest extent of the law. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX student loans and each reporting agency is showing that I have several more than 7 XXXX XXXX is reporting XXXX, XXXX is reporting XXXX, and Experian is report XXXX. Several have account numbers that do not corespond with the XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

This is my 6th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9600.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I tried to get an Apple Card online -- I experienced nothing but frustration, and this has been 4 days of trying. The issuer is Goldman Sachs and the Sponsor is XXXX. The system is designed poorly, and the customer service is much, much worse -- I know because I have been a consumer protection lawyer for decades and have owned and run payment processing companies. 

I encountered a problem because my credit freeze was not lifted the first time applied. So I lifted the freeze and XXXX  did not implement timely. So a second fail occurred. I waited a couple of days and was assured that the freeze was lifted. I applied a third time, now that the freeze was lifted, but the processor denied my application for too many tries. 

I called customer service -- an agency working for Goldman and XXXX. They said their policy was strict -- I would have to wait 30 days and reapply. I asked why? No answer -- just " policy ''. I asked to speak to representative of the issuer ( Goldman Sachs ) -- they discouraged this but I insisted. It took 76 minutes to connect with Goldman Sachs! Same response our policy is a 30 day wait. I made the observation that they were not providing a " service '' to high credit XXXX individuals like me that were denied because of their system difficulties. There are other way to authenticate other than try two times and they are done for 30 days. They are not staffing customer support, they are giving lame excuses for a 30 day delay -- the industry standard is one day -- and they have cost me time and money. I was looking to buy XXXX products to make advantage of the discount, but my efforts have been frustrated and delayed by their system architecture, bad and non-sensical policies, and terrible staffing of customer service at the issuer. 

I was told after speaking to XXXX at Goldman Sachs that a supervisor would call me. No one followed up. 

I was told that I needed to use XXXX  if I wanted to lift my credit freeze. That is not my understanding as all three credit bureaus are to work in unison and XXXX or Goldman imposing their choice of a credit bureau on me is overstepping. Nonetheless I tried to enroll in XXXX  -- predictably they wanted a monthly fee. Their customer service said that once I was denied they would have to delete my profile and start again. It was adding insult to injury. 

Goldman is new to card issuing -- they have no business performing this service for XXXX if they cant design a consumer facing platform that applies a consumer friendly design. What sense does it make to freeze the application of a consumer that has good credit for 30 days? 

The bureau should have them justify their poor customer service staffing, and their nonsensical policies.
Product: Checking or savings account

Navy Federal Credit Union embarked on a website upgrade in XX/XX/year>. While I found the website to be less user friendly than it was before, that was not my major issue. I noticed a number of issues with all of my accounts ( I do the majority of my banking with them ) and immediately started calling and emailing them to correct the issues. Some were minor such as sometimes labeling interest as dividends or vice-versa and some were more serious and worrisome such as documenting a transfer to an outside company and documenting it to a totally unrelated and different company ( the only similarity was that they both had the word XXXX in the company name ). Other issues were labels that in my many days and years of having bank accounts I had never seen and when I called for information no one at the institution could tell me what these labels were either. There were duplicate transactions, transactions that showed as pending when they had already occurred and completed transactions that were pending. I have been reaching out through all of their communication channels since the first errors cropped up in XXXX and have documented each of them on multiple occasions. I was told last week once again that the errors would be corrected by XX/XX/XXXX and when I queried again that no changes had been made I was informed that they had no plan or intent to correct the errors that have been adding up since XXXX and would only correct errors going forward. Given that this is a financial institution and all of my banking information should be accurate and complete and the need for such impacts my financial well-being, taxes, etc., I am shocked that they are unwilling to correct their errors. When I have gone to XXXX of their branches, their employees just take down notes and tell me the problems are rampant and many customers are complaining ( I have heard the same thing from their customer support personnel and others who work there ). I would like NFCU to fix the problems the website has generated not just for me but for all of their customers and members. This is their business. I have started to gradually work to close my accounts and move my financial business elsewhere but NFCU is the largest credit union in the world and at the very least the information they provide to their customers and members should be accurate. No one seems to care or be willing to fix these issues and I would appreciate any assistance your agency can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my report with inaccuracies and inquires i have no knowledge of starting with : XXXX XXXX XXXXXXXX XXXX collection account and the following credit accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Thursday XX/XX/year> morning my direct deposit was not in the bank I didn't think anything about it, thinking it would be there Friday XX/XX/year> nothing I called Capital One 360 checking and got no answers. Here it is Saturday morning XX/XX/year> and nothing. We also have a wire transfer of {$10000.00} and still nothing. They have been declining everything and I have bills to pay they don't care!