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

While I was searching job online I was approached by they call them self XXXX XXXX XXXX vacant position as Data Entry Jobs and they told me that this job will pay {$28.00} per hour and I replied them about the job and they set me an interview day online through XXXX  chat. The person who interviews me was XXXX XXXX, she sends me the job description along with all the instructions that look like a legit job and I didn't notice it is a scam. So we got the interview done on XX/XX/XXXX on Thursday. 
XXXX XXXX who interviewed me all the way and she gave me a task 1 up to task 5 and I finish those task and she said the department will review and let me know their decision, the next days she told me the board approved me and I will be rewarded {$50.00} for the time I spend for the interview with her, also they will send me a start-up check, she didnt mention the amount until I got it through mail. And then the final task was task A and task B, on XX/XX/XXXX at XXXX XXXX. 
Task A has deposited the check into my bank, after 24 hours when it's available she ask me to cash it and instruct me how to pay for the 2 vendors {$850.00} each through MoneyGram at the XXXX   location to buy the office equipment, she gave me those two vendors name, city, state. After that she also instructed me to buy a 3 {$100.00} XXXX gift card and told me to attach the receipt and the card through her email and I did all of that and the next day when I check my bank the check that I deposited through my mobile application was bounce back and I contacted my bank and they say it was a fraud check. 
Im still talking to that lady online but I lost my money over {$2000.00} and I need help. on XX/XX/XXXX, I report to the police department and they told me there's nothing they can do to help me and even if I report to the FBI, FBI has lot more pressing matters to do, then I report to Moneygram customer service fraud protection unit and told me they will get back to me as soon as they investigate but they never reply me yet. I also contacted XXXX customer fraud protection unit and they recover half of the money.
Product: Credit reporting or other personal consumer reports

I've found the following violations on my consumer report U S C 6801 reporting of non public information XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and U S C 1666b reporting of illegal lates XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I did not give anyone written consent to share these accounts on my consumer report
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$260.00} XXXX  XXXXXXXX  Balance : {$16000.00}.
Product: Student loan

I have a dozen problems. But right now I still can't get in the Federal student aid page. They had to do a reset that took since XX/XX/XXXX and sent me a code. The code wants me to confirm changes. I have a new address. It won't move forward on the page to confirm. I had the chat person there try to help. Nothing worked. I don't even have a place to log out there as I should. I think that site is being watched, or hacked something. Something is wrong. 



And before that I have all kinds of emails all year begging Navient to help me with info so I know what to do. For months. I got emails saying they are investigating my case and will get back to me. No help. Or several that say she will be out of the office for a week. Several times! I couldn't get in my navient account for a while and didn't even know what my loans were from 25 years ago. But they were federal XXXX subsidized. But sold I guess. 
I feel they have purposely not assisted me for a very long period. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have XXXX XXXX XXXX XXXX XXXX XXXX. I begged for help. I finally got in navient site but locked out of student aid a long time. I've spent so many hours so many days trying to get this figured out and see what I need to do. I cant get in XXXXXXXX XXXX now. I hope a hacker is now in there. XXXX XXXX asked for my SSN and date of birth. I couldnt log out.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REFUSING TO CHANGE MY SCORE. THEY ARE DELIBERATELY MANIPULATING MY SCORES. THIS IS OBVIOUSLY RETALIATION FROM PREVIOUS FILING WITH CFPB. THEY HAVE NOT CHANGED MY SCORES AGAIN. 
EQUIFAX HAS BEEN MAKING ILLEGAL CHANGES TO MY SCORES. THEY CHANGED MY BIRTHDATE. THEY PUT ME ON A SECURITY FREEZE. THEY ARE CONSISTENTLY THE LOWEST SCORES OUT OF ALL THE BUREAUS. THEY DECREASE MY SCORES ILLEGALLY ALL THE TIME AND IGNORE CHANGES IN MY CREDIT HISTORY.
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$2900.00}
Product: Credit reporting or other personal consumer reports

CFPB complaint against all 3 CRA. Equifax, Experian, TransUnion -did NOT do a an investigation of my claims provided through the XXXX. My dispute shows closed on XX/XX/XXXX, however I never received any documents of results of this investigation. At the same time, I received a letter from Equifax dated XX/XX/XXXX, stating they could not locate my profile and to send a copy of drivers license etc to verify identity. ; even though it is the SAME information that all 3 CRAs received and have responded to my claim using the Same information. How do you close a dispute but request info from me for this dispute? This is a condense that they cant locate me, but the other bureaus can.

Experian & TransUnion : SAME as above. Improper investigation. Used same investigation reasons as previous. Inactive account option, which is not relevant to my dispute reason. Did not provide the documents previously requested. 

How was my dispute closed prior to a letter being sent out to me to send methods of proof of identity? 
How do you close a dispute that has not been investigated?
Product: Money transfers

I went to see an apt that i wanted to rent from whom i thought was a realtor. She explained to me what steps to take to deposit my money into the owners bank account to hold the apt for myself. After i deposited the amount i needed and sent her confirmation she said she would call me back and set up a time for the next day to sign a lease agreement. After a few hours my phone calls would go straight to voicemail and now I 'm trying to get my deposit back from this scammers account.
Product: Credit reporting or other personal consumer reports

eported a number of Hard inquires showing up after XXXX XXXX XXXX data breach, even though there is a extended fraud alert on my file would not remove. I reported to the company and they stated that they do not share personal information with third parties. BALANCES PAID IN FULL PER AGREEMENT AS STATED ON 1099C, NOT DUE TO BANKRUPTCY. On XX/XX/XXXX mailed each company a written notice is regarding XXXX XXXX XXXX IRREVOCABLE TRUST to include all deviations of the same with the SSN list four of 7XXXX, GA Birth Certificate number XXXX DOD number XXXX, passport card # XXXX and Trademark Registration # XXXX. As Executor and authorized Agent for XXXXXXXX XXXX XXXX IRREVOCABLE TRUST, I XXXX XXXXXXXX invokes my right in regards of the Disclosure of Non Personal Public Information and defined by U.S.C., and Constitution of Republic America and per the FCRA. As a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer may have given you. This includes written, unwritten, verbal, and nonverbal permission per 15 U.S. Code 6801 through 6805 effectively immediately and indefinitely. This includes any and all transaction history, any further reporting without a written agreement signed by the Executor or Trustee of this organization signed in Ink or Electronically with Email as verification and a UCC Financial Statement noting said agreement filed with Secretary of State. Further a copy of notice and said agreement must sent certified mail with PS Form 3811 return receipt address to Executor at address below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX to update my address after moving. I was under the impression the I was still under a Hardship Deferment. However, I was not notified by XXXX that my Hardship Deferment had ended. They advised that they attempted to reach out to me. The email address they indicated that they sent notifications to when reviewing the email they had a typo in the email address. I never received a phone call to notify that the Hardship Deferment had ended. Due to not being contacted my credit score dropped XXXX pts. 

I called and talked to multiple representatives at this organization and was advised that they would update backdate and address update my account showing that I was not actually 90 days past due. I was advised originally that they would be able to get this updated on my credit report. 

However after putting the dispute in, and refilling paperwork to get onto a new payment plan, I was advised that they would not be able to update my credit report due to " federal regulations ''. 

They recognized that they did have a data entry error, however they indicated since I did not fall under certain criteria they wouldn't be able to update my records. 

I submitted a dispute with Transunion regarding this informing them of the error, and I never got a response. I contacted XXXX again, now I am on a {$0.00} payment plan for 12Months, but my credit score never was addressed with no true answer other than that the company indicated that I was late.
Product: Mortgage

We were turned over to XXXX XXXX XXXX in XXXX and were told that before they would service our loan we had to do a new loan, in XXXX XXXX offered us a modification and only reduced our payment by {$100.00} and then told us we were late on paying and then tried to foreclose. We had to pay them over {$10000.00} to keep our home, then in XXXX XXXX dumped us to Green Tree Servicing, they have told us ever since that we have been late on paying when we have not been, they charge a fee every time we pay them. In XXXX I lost my job due to illness and in XXXX of XXXX we had to file Bankruptcy. Green Tree immediately turned nasty, they tried to get the relief of stay lifted and then withdrew the request, after they lied to their attorney and he dropped them. We paid on our mortgage through XXXX of XXXX, since XXXX of XXXX we have put in hardship letters and modification paperwork and Green Tree has repeatedly come back with XXXX excuse after another why it can not be done, to date we have put in over XXXX requests for modification, we even went through the HAMP Resource Center and they stated that since the requests and replies for modification were non-HAMP there was nothing they could do to help. Green Tree has offered XXXX modifications that we can not afford at this time, our only income is my wife 's XXXX, I have applied for Social Security XXXX but have been turned down XXXX. Since then I had to engage an advocate service and now we are waiting for a hearing. In the past week Green Tree has called us and told us we had to pay in order to get a modification approved. We ca n't afford to move because even the rents in our town are as much as our payments. We do not feel that Green Tree is being sincere about helping us, we even got a foreclosure letter from an attorney the same day that we received another modification package from Green Tree. We ca n't sell our home due to the fact that they are still building new homes in our area and no one wants a XXXX year old house. We feel that Green Tree has violated almost all of the conditions of our mortgage agreement, we have requested documentation of who owns our mortgage but to date we have not received XXXX shred of documentation except for a copy of Green Tree 's servicing document from XXXX. Green Tree keeps changing who we need to talk every XXXX months and then we have to start all over again. They are the worst company I have ever come in contact with, they have no knowledge of mortgage issues or how to do anything mortgage related. They keep making demands but do not offer to really help. We hope that you can offer some insight in to what we can do with these people. Thank you.
Product: Credit card or prepaid card

I spoke with Milestone Credit Card Fraud this morning. I was told to fill out this form and Fax it to them.
Product: Credit reporting or other personal consumer reports

I wish to update my account information on all 3 credit reports to login i have ordered reports and will send back in written with updated information such as my entire name to match all 3 reports with my only name. Now i am notifying online with my current information that includes new phone line and email address
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am writing to formally request the removal of inaccurate information from my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681.

I have identified the following inaccurate information on 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 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 XXXXXXXX According to Section 605B of the FCRA, a consumer reporting agency must block the reporting of any information that the consumer identifies as information that resulted from an alleged identity theft.

Furthermore, under 15 USC 1681, I am entitled to dispute any information in my credit report that I believe to be inaccurate or incomplete. I have previously disputed this information with the credit reporting agency, but the information remains on my report. 

I hereby request that the Consumer Financial Protection Bureau take immediate action to ensure the removal of this inaccurate information from my credit report. Please confirm in writing that this information has been removed, or provide an explanation if you believe the information is accurate. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

This report is a concerning matter related to a recent transaction between my XXXX XXXX account and my Wells Fargo account. On XX/XX/XXXX, I requested a transfer, which was duly cleared on XX/XX/XXXX. However, despite the money being withdrawn from my XXXX XXXX account on the same day, the funds were not credited to my Wells Fargo account. 

I contacted Wells Fargo regarding the issue and was informed that there were no pending funds on my account, and I was transferred to the escalation specialist. The escalation specialist informed me that the funds would not show up on my account since the request was made on XX/XX/XXXX and that it would take 3 business days for the funds to appear. However, today, XX/XX/XXXX, marks the 3rd business day, yet no funds have been made available to me on my Wells Fargo account. 

This delay in the transfer is in violation of standard banking practices and is causing me significant financial distress. Furthermore, I am outraged that Wells Fargo has held my money, which was already withdrawn from my XXXX XXXX  account, without any reasonable explanation. This is completely unacceptable and unethical, and I believe it raises serious concerns about the ethical standards of Wells Fargo. 

Therefore, I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Wells Fargo regarding this matter. I urge the CFPB to investigate this issue and take immediate action to ensure that my funds are credited to my Wells Fargo account without any further delay. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Started conversation on XXXX with XXXX on XX/XX/XXXX about the XXXX adjustable 552 weights she was selling. This continued to email on XX/XX/XXXX ( XXXX ) to discuss if I was interested since shipping would be an extra {$37.00}. Conversation continued after debating price on XX/XX/XXXX. The seller asked for money transfer via XXXX XXXX, XXXX, XXXX. I do not have either of these extensions and I suggested Zelle. The seller then offered her cousin 's email XXXX. 

I confirmed payment of {$250.00} with a screenshot of Zelle to the seller on XX/XX/XXXX at XXXX XXXX, which she responded she would send the tracking number when shipped tomorrow. 

I have not received a tracking number or responses from the seller or her cousin that I reached out to on several occasions : XXXX XXXX Message : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX : XXXX Since the realization of a scam, I have called Zelle to ask for my money back, contacted XXXX on XX/XX/XXXX and I have filed a police report. When I contacted XXXX XXXX  / Zelle, I was not granted any assistance on the matter. I called a second time to cancel my connection of Zelle to my bank account. Zelle helped me become a victim of this scam. I still do not have a response from XXXX on the situation. 

I continue to follow up on the matter and a simple XXXX search led me to another XXXX thread about the same group of individuals completing a scam. I have attached this information below.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about the unauthorized inquiries reporting in my credit report. I am seeking assistance to remove these from my file. 
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

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card

In early XXXX of 2016, I purchased a XXXX, from Walmart. com. On Tuesday, XXXX XXXX, 2016, I picked up the product for Walmart neighborhood store number XXXX. When I opened the box, the Push Up Pump was severely damaged, with missing parts, I was unable to assemble the XXXX. I returned the XXXX to the store on the same day. It was signed for by the Customer Service Manager by the name of XXXX. It was authorized by representative XXXX at Walmart. com, XXXX Walmart phone number. Also, I have a receipt from the store stating it was returned. To this date, Walmart has refused to credit my credit card for the amount of {$82.00}, and stated the product was not returned. This is an unfair and criminal act by Walmart. I did returned the XXXX to the store.
Product: Credit reporting or other personal consumer reports

My consumer report has been improperly used and my rights have been violated. 
In accordance to 15 USC 6801,6802. I was supposed to be given appropriate notices to report anything on my consumer report and then be given the option to opt in or opt out of allowing that information to be reported to my consumer report and then be given the exact process to be able to opt out securely. 

This information is an invasion of my privacy rights. 
The Granm Leach Billey Act 15 USC 6802 states that I as a consumer should receive a notice and that this information can not be reported in public, it is my personal information and the listed items below should be removed immediately because I never received a notice nor did I give my permission to anyone. 
1 ) XXXX XXXXXXXX - # XXXX XXXX 
2 ) XXXX XXXX XXXX # XXXX XXXX 
3 ) Dept of EducationXXXX # XXXX XXXX 
4 ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 
5 ) XXXX XXXX XXXX 6 ) XXXX XXXX - # XXXX XXXX 

7 ) XXXX XXXX XXXX - # # XXXX I never received NOTICE or gave anyone PERMISSION. Remove these items from my consumer file.
Product: Checking or savings account

I am willing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred despite having sufficient funds when transactions were authorized i was charged fees due to lagged posting of charges and credits this issue aligns with the recent CFPB findings against navy federal for similar practices where transactions settled with insufficient balances despite initially available funds .I believe these practices are unfair and request an investigation into my transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose