23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw this account with XXXX XXXX XXXX XXXX on my Experian credit report. There is a balance for {$24000.00}. I was told by XXXX that this was a consolidation. I requested a copy of all documents with my original signature. I want to see all loans that equal to balance of $ XXXX.The alleged balance I don't believe is mine. The lender had refused to provide me with this information since XX/XX/2018. I believe this loans being reported in this consolidation and reported separately. So they are being duplicated on my three credit reports,.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent {$500.00} to someone that I spoke with over the phone who ended up being a scam artist via the XXXX app through Wells Fargo. This was my first time using the online money transfer method, and I thought that because it was advertised within my banking app, that there would be an element of protection available. When the person who received my money stopped responding, I immediately placed a call to my bank to try and cancel the money transfer and submitted a claim the same day. When I submitted the claim, the agent said someone else would call me when my claim would be assigned to gather more information. No one contacted me. I received a letter in the mail saying that there was no error on the banks part and I would not be able to have any protection or refund for my transaction. It is very disappointing as a long time customer of Wells Fargo that the bank would promote an app that ( as I researched ) many scammers are now using. There is no warning of this on the site and I think there should be either a scammer warning, or these banks should partner with an app that has more financial protection ( like XXXX ). The false sense of protection that XXXX gives bank customers by being directly linked to the bank is detrimental- the scam artist even milked this sense of protection to me over the phone. Please let me know what further steps I can take to receive a refund and hopefully protect others from encountering the same scam as mine. Currently, I reopened my claim in hopes of a different outcome.
Product: Student loan

In XXXX of XXXX I applied for a private student loan through Wells Fargo. Within a month I received notice from Wells Fargo that XXXX XXXX XXXX XXXX XXXX refused to certify the loan because the term dates I listed on the application were invalid. After considering the terms I decided I did not want the loan and called Wells Fargo to ask what I needed to do to cancel it. The representative told me that I did not need to do anything because the school refused to certify the loan and unless I updated my paperwork it would not be approved. I did not update the paperwork and believed the loan application to be cancelled. 
After I graduated in XXXX of XXXX, I received a statement from Wells Fargo notifying me that my loan would be in forbearance for six months. When I called to question what they were talking about I was told my loan had been disbursed to XXXX XXXX XXXX XXXX XXXX. I informed them that I cancelled the loan, had already graduated, did not want the loan and wanted the check cancelled. I was told that they would not cancel the check and that I would need to wait for the school to mail the check to me and I would in turn have to mail it to Wells Fargo to cancel. I did this as soon as I received the check and Wells Fargo credited my account for the full amount of the loan on XX/XX/XXXX. 
In XXXX of XXXX I began receiving calls multiple times per day from Wells Fargo regarding 'a delinquent student loan '. I had older student loans with Wells Fargo that had been set up for auto draft so I called to notify them of this as I believed they had made an error. When I called Wells Fargo I learned the loan in question was the one that had been cancelled. Wells Fargo stated that interest had been accumulating on the loan as well as late fees. I explained to multiple collection personnel and supervisors all of the circumstances above and Wells Fargo determined that even though the check was never cashed and I was never notified about additional charges the fees were due to them and they intended to collect. Wells Fargo called me multiple times each day starting early in the morning and going through XXXX at night. They called my employer multiple times per day even after being told by staff at my agency to stop. Additionally, the charges were reported as a delinquent account on my credit report. In an attempt to minimize any further damage to my credit and employment status, I paid Wells Fargo the full amount due on XX/XX/XXXX. 
Starting XX/XX/XXXX I began receiving multiple calls on my cell phone but no messages were left. I later learned it was the Wells Fargo collections department. On XX/XX/XXXX, I received an email stating one of my student loans needed my attention. When I logged to review the account it is listing a past due balance of XXXX and the assessment of late fees on the loan in dispute.
Product: Credit card or prepaid card

On XX/XX/2021 I purchased a airline ticket with points at Chase XXXX XXXX XXXX. I spent XXXX. As the flight date neared I realized I had not received any notice from XXXX Rewards or the airline ( XXXX XXXX ) about the trip. 
When I called XXXX they did not have tickets for me. I then called XXXX XXXX XXXX XXXX to find out what happened. I was passed among the departments for literally hours ( approximately eight to ten hours over two days ). They never helped me in any way to resolve the lack of a ticket. 
I ultimately made another reservation on XX/XX/2021 and took the flight. This time it cost me XXXX points. 
The reservations in both cases were for the exact same flight, at exactly the same time.
Product: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please REMOVE them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/202XXXX 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

Hi I am submitting this 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting or other personal consumer reports

The company is reporting XXXX bankruptcies on my credit reports. I have sent XXXX disputes to each credit bureau asking them to validate and verify the bankruptcies. The bureaus have responded and told me that they verified with XXXX XXXX and that they are reporting accurately. I have a statement/report from XXXX XXXX stating that all XXXX bankruptcies are unverifiable and they have been deleted. I have been denied credit and unable to purchase a home due the inaccurate reporting.
Product: Mortgage

On XX/XX/2021 I received a call from Penny Mac Loan Services in Arizona. With a lot of pressure from the salesman, XXXX XXXX, I agreed to apply with the condition that the application could be cancelled at any time. He told me the loan would be at 3.1 % interest rate. He told me that I needed to give them {$650.00} for an appraisal with a credit card over the phone. I did over the phone. He also had me apply by way of computer. When on the phone I did check the Nationwide Multistate Licensing System/Nationwide Mortgage Licensing System and Registry. He was listed. After a couple of hours and checking some reviews I became alarmed and decided to E Mail my cancellation and withdrawal of my application. They refuse to cancel my application and refund my {$650.00}. I contacted the appraiser they had hired and cancelled the appraisal. The appraiser assured me that they had not and would not charge any thing as I had cancelled their visit. XXXX XXXX, XXXX XXXX 's supervisor at Penny Mac said they would credit my card {$650.00} by end of business XX/XX/XXXX, he has not. I want {$650.00} credited to my credit card immediately.
Product: Credit reporting or other personal consumer reports

I recently went to to check on my credit report and I noticed someone fraudulently applied for credit cards under my name. There was so much inquiry on my account that I had no knowledge off as an 18 year old that is still new to how credit works. Here are the dates and inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> PLEASE ROMOVE THESE FRADULENT INQURIES FROM MY CREDIT REPORT. I WOULD ALSO ATTACH MY IDENTITY THEFT REPORT.

EXPERIAN HAS MY MIDDLE NAME ON THERE SO THE NAME ON THE REPORT WOULD BE. XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/22, I received a text, from chase fraud department, asking if I made a purchase at Nordstroms, I didnt think so but went to look online on my nordstroms account, and I didnt so I replied no, a few minutes later I received a call from chase bank and it said, chase bank the same number on the back of my chase card. They said they were calling to verify. We hung up, about XXXX minutes later, same number etc, called and asked for me, said that there was more activity and it was my daughters account linked to me, saying there was a wire transfer for XXXX. I immediately said absolutely not, started to panick, I said how do I know this is chase, they had my info etc said I could call back etc, hung up was on hold, for a while calling same chase number back, they called in I said I was on hold still, etc, hung up, called the number again, back and forth we played phone tag, finally I realized it was chase, well thought so, I asked what can I do, they said they could, walk me through it, very nice and obviously impersonated chase and I had no idea, sent me a like to say no it was fraudulent, another line to stop the transaction, code a code gave code they said it was a one time code etc and they said it was all done, stopped, call back if I have any questions, a hour later I went online to look and realized XXXX was taken out, I called chase, on hold forever, they gave me he run around different departments back and forth for over an hour, finally someone said go to the chase branch, I go they filled out a form for a reverse wire, banker called an hour later told me to go online to fill it out, I called emailed etc no response from the wire department, called the bank it wired to and they couldnt help, basically run around, chase was absolutely no help at all cold etc, a few weeks later or idk 10, days I get an email wire reverse denied, I called furious, no help the letter said contact the other bank, I email, them they say this is the business office law office dont contact us, I called chase agsin and emailed no help they absolutely waited too long for wire reverse etc .and have not helped at all and we want the XXXX back
Product: Credit reporting, credit repair services, or other personal consumer reports

My original complaint against Equifax was filed under XXXX. I just received notification that case was closed upon Equifax 's response. HOWEVER, I don't understand how their response even begins to address their failure to add an extended 7-year fraud alert to my credit file after MULTIPLE requests to do so. 

Here is their response : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : NON REPORTING DISPUTES Collection : AT & T MOBILITY THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violations ; Not mine, Names and addresses : 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 XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Not mine ; Hard inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX
Product: Debt collection

After resolving many earlier fraudulent accounts that were opened under my identity, a new fraudulent account appeared on my credit report from the collections agency, Credit Management Control. This collections agency took over this account from the Original Creditor, XXXX XXXX XXXX  ( XXXX ). XXXX, XXXX, XX/XX/2022 at XXXX XXXX., I contacted Credit Management Control to file a dispute and spoke with their agent, XXXX. I informed her that I have been dealing with Identity Theft for the past months and let her know that I have lived in New Jersey all of my life and have no affiliation with Texas, which is the state the identity thief had opened this utility account under and prior utility accounts. Two addresses and a phone number were added under my credit report that are associated with this identity thief. Those addresses are XXXX XXXX XXXX, XXXX, Texas XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX. The phone number is ( XXXX ) XXXX, which is a number I have no association with.These are addresses and a phone number that need to be removed from my credit record. In addition, I have contacted XXXX to file a dispute about this collection since this credit bureau informed me about this collection by mail.
Product: Credit reporting or other personal consumer reports

I payed off my three credit cards with a 1099 A throw the IRS and it was payed in full and they are showing its still not payed for, I sent the three agencies letters totally proving to them its payed for but no change .... and they have to take a 1099a or coupon by law all debt are prepaid ....
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I submitted a dispute via XXXX about an account I previously had with Citizens Bank. The previous week I had applied for an account elsewhere and was turned down and upon checking my credit file from XXXX I noticed I had been reported for an account abuse closure by Citizens Bank. While I did not dispute the fact that my account was closed with a negative balance I did and do dispute a reporting of account abuse on my credit file. In what was at best a few days later I received correspondence twice from XXXX one stating a investigation had began. The second a day or two later stating the account was affirmed. On Monday XXXX XXXX I contacted the Citizens Bank collections department not once but twice as to inquire why account abuse was reported. From my standpoint the account had not become overdrawn because of any transactions that were paid to any institution on my behalf for me to personally benefit from. My knowledge is that the account was closed because of return payment and sustained overdraft fees the bank accessed for not paying on my behalf. No checks were written no transactions were processed to the debit card the account was overdrawn because of bank fees. The first call resulted in me being transferred to a collection agency the second resulted in a hang up because the representative had became disrespectful over the phone which is the norm for Citizens Bank when you question there just accept it justification. In both calls I agreed to pay what was owed in full even though I dispute the amount. This would be contingent on the inaccurate " abuse '' reporting being removed from the file because I feel it was only reported in that manner as a form of retaliation or malice. I believe it was reported improperly to XXXX because Citizens knew that for that particular agency abuse could mean anything and would n't be questioned.
Product: Debt collection

This company is texting me telling me I have an outstanding warrant and when I click on the website, it is a lawfirm for a collection agency.
Product: Money transfer, virtual currency, or money service

PNC will not allow me to link my bank account to XXXX. 
Its sad, I file with my accountant every year, every dollar I spend through crypto. It is all tracked and easy to link. 
Let us have our cake please. 

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

please delete these unauthorized inquiries : XXXXXXXX XXXX XXXX XX/XX/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 Please delete these inaccurate Addresses : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt is not valid, and it states the wrong amount while also marking it as an open account. it is not an open account, I have tried to resolve this with the company and they refuse. This is all false information.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I agreed to a {$1000.00} loan that would charge me {$44.00} biweekly beginning on XX/XX/XXXX, with my final payment on XX/XX/XXXX. They took my final payment out, but have since then put my account in collections stating that my last payment XX/XX/XXXX ( which is an incorrect date according to my loan documents ) was missed. They have since then been charging my bank account every 2 weeks {$9.00} for a membership that I no longer want. Every time I try to cancel the membership I cant since my account is still in collections. Their website states that they deposited money into my bank account that they never have. Every time I try to remove my banking info their site says that theyre unable to at this time. At this point Im going to have to cancel my account or put a stop pay on the charges so they can no longer charge me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash APP failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

15 usc 1681E ( b ) Accuracy of report. Global lending services ( XXXX ) XXXX, XXXX XXXX XXXX ( XXXX ) XXXX, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information and XXXX is reporting income, the I.R.S consider charge off accounts Canceled or XXXX debt, which is taxable income for me
Product: Mortgage

XXXX wakefield and associates date again XX/XX/2021 debt XXXX. Phone XXXX : bride code g, address XXXX XXXX XXXX XXXX Tn XXXX collection. I had another problem with this same company last month XX/XX/2021 I reported to your company about different amount.
Product: Debt collection

Account Information Name : XXXX XXXX XXXX Account Number : XXXX Creditor : Affirm , Inc . 
Outstanding Balance : {$120.00} Payment Amount : {$120.00} Make a payment now You are making a payment of {$120.00} towards your balance of {$120.00} due to Affirm, Inc..

Card Bank Transfer Credit or Debit All fields required.

Name ( As appears on card ) Card Postal / Zip Code I made a reservation thru XXXX XXXX  for the amount of {$120.00}. I immediately cancelled the reservation. Affirm Inc. has been charging me amount due. I have sent them documentation to let them know that XXXX confirmed the cancelation. 

Now it is in collection via XXXX. XXXX  at XXXX or ( XXXX ) XXXX. This is the organization that is requesting debt collection. 

I will not pay them for a service that was not provided to me whatsoever. 

.
Product: Credit reporting or other personal consumer reports

I was shocked this morning to find inaccurate accounts on my credit report, and I have no idea how they got there. I regularly check my credit report, and this time I saw discrepancies that appeared out of nowhere. I thought maybe it was a glitch and refreshed my browser, but the wrong accounts were still there. I really hope the documents I sent are reviewed carefully so I can stop worrying about this happening again.
Product: Credit card

I mailed a check in XXXX from the Title company. It took a month for Total Visa to locate the check and credit payment in full. I also reported the card lost. Total Visa said they would not be replacing my card which was fine. They sent me a letter saying the account had XXXX balance. Then Total Visa opened a new account without my knowledge or permission and began billing me. I paid the bill for a while because I forgot about the letter they sent. They harrased me so much that when I found the letter and compared the account numbers, finding they didn't match, wrote them a letter requesting they correct the records, and issue a refund. and i stopped making payments. Now they have reported this to the credit reporting agencies.