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

Re-claim # ( XXXX ) For the bank Re Claim # ( XXXX ) For the bank I am writing this letter to inform you why I am filing this dispute. In XXXX I hired XXXX, thinking that they were Architects they misrepresented themselves to be architects and charged me the same fee as real architects. To design custom home plan drawing, I paid {$4600.00} on XX/XX/XXXX as a deposit to get the work started. We went back and forth for several months, from the start it was very hard to communicate with this person after they receive the deposit the project was to take a month but due to not being able to communicate with this person it took a lot longer than I was told it would take but because I paid the deposit I still work with the hoping that we could get the results that I was expected and that I paid for. I also did a dispute in XX/XX/XXXX, because I could not get ahold of him. After the dispute was filed, I got his attention and he asked me to close the claim and he would do better communicating with me and the builder when we where ready to work, I was also told that service comes with several modifications as needed by the city or builder and the XXXX, that he would stay with the project until the building was completed. They also misrepresented themselves as an Architects I thought I was hiring real Architects He completes a draft and then told me I needed to pay the other half {$4600.00} on XXXX I filed a despite with my bank I am told that its over the time for the dispute. I am still out {$9300.00} with nothing to show for it I wii upload an example of what I was expecting and what I received and what I should have received.
Product: Credit reporting or other personal consumer reports

Ive recently reviewed my credit report and noticed this company have reported inaccurate accounts and have yet to removed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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: Money transfer, virtual currency, or money service

on XX/XX/year> I was contacted via messages by a personal friend to borrow money. Her accounts were frozen and she asked me to send it to another person via XXXX thru Citizens Bank. I was told several times that the transactions failed. Trying to help a lifelong friend, I sent $ $ until I had reached the XXXX transaction daily limit. {$3500.00} later XXXX and Citizens verified that the $ $ went thru and the scammer had in fact received the money. Neither Citizens or XXXX would take any action to help me recover. 
my personal friend is devastated and broke. I am a XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Can you help me recover my money? 
Can you find this low life and put her in jail? I have saved the text messages involved, but do not know how to send them.
Product: Credit reporting

Account paid and closed but remains on my credit report. Even after I requested the items to be removed, the items remain and are damaging to my report.
Product: Credit reporting or other personal consumer reports

I request that, in accordance with Consumer Credit Protection laws and the Fair Credit Reporting Act, you investigate these enclosed items and remove them from my credit report if they are found to be inaccurate, outdated, or unverified. 

Please be advised that you are required by law to investigate my dispute within 30 days of receipt of this letter, and you must notify me in writing of the results of your investigation. If the disputed items are not verified, they must be removed immediately as stipulated by the FCRA. 
As provided by law, I also request a copy of the updated credit report reflecting these changes once your investigation is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLSFARGO REPORTS TO GIVE OTHER CREDITORS THE IMPRESSION I AM A XXXX XXXX. I CALLED WELLSFARGO TO MAKE A PAYMENT ARRANGEMENT DUE TO LOSS OF EMPLOYMENT. WHEN I ARRIVED TO PAY THEY DID NOT HONOR THAT. I ONLY OWED XXXX DOLLARS AND WOULD BE REIMBURSED XXXX. THEY STOLE MY MONEY AND CLAIM IN THEIR INVESTIGATIONS NO ATTEMPT OR PHONE RECORDS ARE ON FILE. THIS HAS BEEN REPEATEDLY DISPUTED. I HAVE CONTACTED XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX-XXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Here I am again wasting my time writing you about the same problem that I wrote about last year. I am still forbidden to receiving my annual credit report. I sent these clowns all of my personal information and I still have not received anything. This time I will not send anything they demand of my ID, check stubs, bills, ABSOLUTELY NOTHING. If any of these people catch the Covid-19 virus, I will not send it even if it means there's a cure for it. I can not file anything regarding identity theft unless I pay for it. I AM NOT PAYING FOR ANYTHING. They caused many problems and they demand money for WHAT? 

Disputes are still not cleared up. I will not waste my time talking to anyone. I only deal with problems in writing. I am still wondering why the Federal government is still allowing these companies to operate without any strict regulations or oversite without any friends of any politician to monitor the problems that this agency has created and caused problems for the public. 

I DEMAND FULL COPIES OF MY CREDIT REPORT AND I DEMAND THEM NOW. I DEMAND TO PRINT THEM OUT AND I DEMAND THEM NOW. I WILL NOT TALK TO ANYONE VERBALLY AND I WILL NOT SUBMIT MY PERSONAL DOCUMENTS TO THEM NOW AND NEVER.
Product: Debt collection

On XX/XX/2023 I was contacted by a man named XXXX who left a message stating he was a private courier attempting to deliver documents needing my signature. He left a reference number for me to call. Upon calling the number indicated and giving the representative the number referenced they asked me to verify my personal sensitive information. This concerned me and I began asking the representative what the issue/call was about I asked if someone was attempting to sue me and the representative named XXXX XXXX told me not to worry about the man who called earlier and left a message regarding the delivery of sensitive documents. Only after my sensitive information was disclosed did the representative XXXX XXXX explain that they were a debt collector called XXXX. I had never seen this company in any of my 3 credit reports. I was very ill with XXXX at the time I had the discussion about the debt in question. I was told the debt was for {$1200.00} which included fees but they were willing to settle for {$750.00}. I explained I thought this debt had been paid and in conclusion by the end of the conversation XXXX XXXX had convinced me to pay {$310.00} as half the payment of the settlement with a 2nd payment to be deducted in XXXX and she had me sign something via text message link. After I hung up from my phone call I felt disturbed and then very concerned that it could be a scam due to the methods used to collect on a XXXX XXXX XXXX debt because at no time was I informed at the very beginning what the call was concerning. Had they left a voicemail explaining who they were and what the call was concerning from the very beginning my approach would have been an informed one. Instead, I was bated into divulging sensitive information and possibly having a very negative impact on my credit if this situation had restarted the clock on debt I may or may not owe. Shortly after my phone call with XXXX XXXX I contacted my bank and explained what had happened and that I was concerned it may be fraud due to the methods used to collect payment, they agreed and filed a claim with the merchant. I also filed a fraud complaint with my local sheriffs department as well. My bank opened an investigation and reversed the charges as they agreed it appeared suspicious. I am currently seeking legal counsel to advise me of my rights based on what I have experienced as Im not sure how this incident is going to affect me currently.
Product: Debt collection

No written information on debt. It just appeared on credit report. No validation or verification given
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent certified mail written communication to Transunion dated XX/XX/2020, requesting verification to substantiate information that is being furnished to them. The request was made pursuant to FCRA 609, FCRA 611 ( a ) ( 6 ) and ( 7 ) in compliance with FCRA 607 that Transunion used to verify all data for each listed account in a effort to avoid violations under FCRA 605. I received communication from Transunion dated XX/XX/2020. Out of 17 request for verification of accounts. Only 1 item was deleted. I request for Transunion to substantiate the information of verification pursuant to FCRA. I requested a detailed explanation of the specific method of verification. They did not provide me with such. Furthermore, on XX/XX/2020 I sent a second certified mail written communication to Transunion dated XX/XX/2020. requesting verification to substantiate information that is being furnished to them. FCRA requires Transunion to clearly and accurately disclose all information contained in my file at the time of my request pursuant to FCRA 609, such as my signature on an application, Agreement to such terms, and any other physical documentation Transunion received and used to verify the information being reported and maintained in my file. Transunion must verify and validity of every notation, dates, balances, required certifications, and the purposes certified for the use of my information as required, and any other possibility of fraud, identity theft, or other related crimes and are reporting incomplete information. The accounts must be complete and accurate or promptly deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ) ( i ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report with TransUnion, which I initially contacted on XXXX. To date, I have not received any response from TransUnion regarding this matter. Below, I have provided details of the inaccurate information and the necessary corrections required : The following account does not belong to me : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$500000.00} I request the immediate removal of this account from my credit report. 
The following account was never reported as late : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Balance : {$12000.00} I kindly request that this inaccurate information be corrected or updated on my credit report.
Product: Money transfer, virtual currency, or money service

TouchPay Holdings, GTL Financial Services & ViaPath Technologies have deceived consumer by withholding XXXX refunds that were made to verify account for sole purpose. Company has failed to accept multiple transactions from valid card source.
Product: Credit card or prepaid card

On XX/XX/2018 I paid the amount of {$3200.00} to XXXX from a " Balance Transfer Convenience Check '' from my XXXX credit card account. 

The check was in fact cashed by XXXX on XX/XX/2018 and XXXX provided me with a copy of this cashed check with XXXX XXXX XXXX account number stamped on the back AND so there is no doubt that they RECEIVED and CASHED this " Balance Transfer Convenience Check. '' However, they refuse to post it to my account. To aid in the process I faxed them # 1 Their cashed check # 2 The proof that it had also posted as a balance to my XXXX account However, they just keep saying : " That they did not receive the fax ( even though I faxed it 3 times ) and that they still have no idea where their cashed check is. I am now paying interest on the {$3200.00} but it remains not credited/posted to my XXXX and I can not seem to find a resolution with them.
Product: Consumer Loan

Issue with loan process and how things are handled. 
I applied for a loan XX/XX/XXXX and was preapproved.3 weeks later which is the process I signed papers XX/XX/XXXX. XX/XX/XXXX I finished signing documents. XX/XX/XXXX they said funds will be in my account 7-10 days later. This did not happen. I got an email from XXXX XXXX stating that the bank statement did n't verify ( it was a joint account ). SO I gave them my other account with a small credit union XXXX. I got a letter signed from the people at the bank verifying that is was my account. 4 days later I got an email saying they could n't verify my identity and they denied me XX/XX/XXXX. 

No one gave me a chance or ask me to provide anything more. I gave drivers license, birth certificate, social security and they ran my credit. 

I called and they could n't tell me anything as to why they could n't verify because it look good on their side. Then they told me to reapply. 

I thought this as strange as most companies do n't allow you keep applying. 

I applied again anyway to see. XX/XX/2015 I applied again. 
XX/XX/XXXX. I signed the documents on XX/XX/XXXX. I got an email stating my loan was approved. I called and spoke to customer service several times and they all said keep checking my account the funds will be in there. Give it 3-4 days. 5 days later they said because I have a smaller credit union it may take sometime. I called yesterday and they said that is hould be in my account no later than XX/XX/2015. I checked the sofi today and it is saying my account is withdrawn. 

I am so confused I never withdrew the loan and I feel like it was all a game to give me the run around. When I normally am approved for something and they say funds with be in account that is usually the case. I am not sure if this is a legit company. I have been nothing but patient and this feel like this is a scamIf the money was going to my account and I had been approved and the several customer service agents state the money would be in my account how did it go to withdraw status. 

I never got anything as to why the loan was in withdraw status. They said it was something that could n't be verified. If this is the case how did I sign loan and then they said it was not able to verify things. NO one contacted me and tried to see if this could be resolved. 

Also now I have XXXX unnecessary inquiries if they knew they were not going to approve me why have someone wait almost 3 months. This is very unprofessional.The representatives were so nice but I am not sure if this is a legit company or they just have you applying for nothing or to get your information
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and discovered this inaccurate derogatory remark on my credit report. I have submitted disputes requesting proof of contract within 30 days. I did not sign any contracts with this company. This company has not provided any proof of contract as per requested on the dispute within 30 days. I wish to have this remark removed off of all 3 credit bureau reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

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

I froze my credit reports. XXXX constantly sends me advertisements. Today they said that they share my info with just about everyone but I can opt out. When I tried to opt out, I had to set up An account. After reading about XXXX pages of teeny print, it looks like I cant opt out of anything but XXXX junk. I couldnt see any way to opt out of their policy of selling my info to just about anyone. I think they are skirting the law. Can you help?
Product: Bank account or service

Greetings, My complaint is that " Wells Fargo Bank '' has been over drafting my personal checking account from time I opened it in XXXX in XX/XX/XXXX until XX/XX/XXXX, After 2 - 3 years I transferred my accounts to XXXX, Yet each Month they targeted me due to having a low account balance and found a way to " Over Draft '' me ... .Finally it got to be too much for me and they closed my account for none payment, Paying my over drafts each month I still managed to open a business checking account along with a secured business credit card with a {$500.00}. limit, Eventually from receiving too many over drafts It got to be too much and they closed my business checking account, After numerous complaints Wells Fargo gave me credit on my accounts XXXX out balance before closing them, Shortly after providing me with a {$67.00} balance on my secured business credit card, Within 6 weeks without using it they also closed that account leaving me with a fictitious balance saying I took out a XXXX for {$5.00}, My goal is to reach out to all Advocates, Publicity, Consumer Affairs, XXXX who are familiar with Wells Fargo 's cruel practices, O.C.C. and many more, But I will be filing Court proceedings this morning to the Executive & Corporate Bank Office of Wells Fargo in XXXX XXXX ( XXXX Hours away ) all being done EMMEDIATELY Thru the Grace of XXXX!!!
Product: Student loan

I have never ceased the payments on the loan, even during payment pause. I have continued to pay the {$140.00} per month on the payment which is actually {$140.00}. 

I received an email today saying I missed the first payment since the payment pause was lifted. I have digital records showing I have sent the payment consistently throughout the duration of the payment cycle ( for years ) I feel this is a simple problem where payment may be misdirected ( they have changes acct # 's with no notice to me, I see this on their website after todays email ) but can not get in touch with the Aidvantage, they will NOT answer, they have NO email and their chat is a BOT. 

I just want to get this solved and understand where my payments are going. This whole.student loan issue is a mess since they transferred it to Aidvantage without any option. I contacted them and have held for HOURS and not ever picking up. I just want an agent to help me understand this issue,
Product: Credit reporting

XXXX and equifax will not re-investigate incorrect information that is being reported on my credit report. I have been a victim of identity theft for a card that was opened up in my name. ( XXXX ). I have phone experian and equifax to re-dispute this information and was told it was verified as mine and they will not re-dispute information again. This is ridicilious. I have written many letters to XXXX ( with no response ) along with phoning them and getting the run around. I have also called the credit beaurous numerous times to tell them that this fraud is causing a hardship with my credit score. They will not re-dispute. How can they get away with this? I am being penalized for something I DID NOT DO
Product: Money transfer, virtual currency, or money service

My account had unauthorized transfers or transactions not adequately investigated by Cash App and Block. Ultimately I am one who had account locked as a result. With money still in it. I could. Not communicate with anyone to find out the reason for account closure and not receiving my money that was in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/XXXX. I told the credit bureau to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX. 

According to the FCRA term Investigate consumer report means, a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning every such items of information. 

They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FCRA, 15 USC 1681, everything has to be the 100 % accurate. The accounts are XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 a ( 2 ) states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft, not later than 4 days after the date of receipt by such agency of- ( 2 ) a copy of an identity theft report. 

To which case, this happened to be XXXX XXXX ( XXXX XXXX )/