23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

When I applied to go to school at the XXXX XXXX XXXX XXXX in 2006. I chose to shoot for a XXXX degree in XXXX. I did n't have any job at the time and living with my parents. After applying I was immediately accepted and offered a starter pack of all types of art supplies to begin my " journey of learning and creativity '' It did n't dawn on me until now as I look back and see how friendly the staff was when they had me signing all of this papers for loans. as I attended classes which I constantly questioned my self if they really related to what I was striving for. I constantly was called in the office to sign paperwork for " tuition '' which the staff assured me I would not have to pay back. 
After two years of racking up debt and attending mediocre classes with pessimistic instructors, I was called in the office with a counselor and was told I could not attend the school anymore that I needed to go get general education classes somewhere else and return in a year to reapply to the XXXX XXXX. Wait, what. Not knowing better I discontinued going and went on with my life I left it at that. I began to work and became a productive citizen. After a year of being kicked out I began to receive call from collection agencies about this loan. I was unable to pay rent at the time let alone student loans. After the years have gone bye and applying for deferments and forbeance I find myself with all this debt I certainly was not aware it would blow up like this. After doing research and knowing the XXXX XXXX has been involved in many predatory lending I strongly believe I have been a victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX {$450.00}, 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. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Bank account or service

In XXXX XXXX I contacted the wells Fargo bank manager in XXXX that I needed to open a savings account in my XXXX year old mothers name. I was promptly informed that I would need my mothers ID as well as mine to do so. I had to return home to retrieve my mothers ' information. Since XX/XX/XXXX I have had Power of Attorney for her and had filed a copy of the document with Wells Fargo at that time. At the time of filing, The bank had their attorneys look over the document to determine if anything needed to be done. My mothers account ( XXXX XXXX XXXX ) was sent up as a checking account and noted as a Trust. I can not be listed on that account as I am a recipient of the Trust, however, the Bank allowed me to pay her bills and expenses for her personal and business activities from there with out question as her Social Security Check and Retirement Checks all deposit into that account! I have been doing this since XX/XX/XXXX. 
The ( New ) branch Manager of the bank informed that she had no file of the Power of Attorney and that I was not authorized to get into my mothers funds! I did not have a copy of the document on me and was not about to make a THIRD trip back to my house to produce the document as the bank should have had it on file somewhere! 
The manager became quite rude with me and told me that I was committing fraud by not producing the paperwork. I left the bank telling the branch manager that I would simply take our business elsewhere! 
A few weeks later I get a visit from the State Department of Family Services investigating me for fraud and even questioning whether I was her son ( our last names are different ). The complaint was filed by Wells Fargo Bank. 
Needless to say I showed proper documentation to DFS and the closed the investigation. Contacting DFS and filing a complaint was and is way above the duty of the bank! This caused a lot of stress on me and my mother and was completely unnecessary. 
For a company that is currently under indictment for fraud of is customers, You have a lot of XXXX!!
Product: Student loan

Im under the loan forgiveness program. I have been working for my local government for over 10 years. In the system for the FSA, Im 6 payments away from completing my agreement of completing my 120 payments.

Data hasn't been updated on my account since last year. I've been making payments on my loan. I am up to date with payments. In the FSA site, it shows that I havent paid in the since XX/XX/XXXX and Im not due to finish the program until XX/XX/XXXX. XXXX have not been counted. Technically, my last day of forgiveness should be this XX/XX/XXXX, not XX/XX/XXXX since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX have been paid, but my information is showing as delinquent. When I called FSA, I was told that Mohela hadnt forwarded any information and that I was at default. They forwarded and email with a breakdown but the information of payments was not there. When I called Mohela and waited to speak with a representative for over 3 hours, I was told that Mohela had forwarded the information and it was the FSA that havent updated the information. Something is not right technically and this is going to affect my program requirements. 

Tried to file a complaint multiple times but the site is down. My renewal of payment program is due this XXXX, which shouldnt be necessary since my 6th and last payment is in XXXX.
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, I had taken a vacation to XXXX XXXX. During the midnight hours of XX/XX/XXXX I was mugged, beaten and robbed. 

The muggers knocked me unconscious, then stole my phone and wallet. They accessed the apps on my phone and stole {$500.00} from my XXXX account and stole {$1200.00} from my CashApp account. They also used my credit cards the next morning. 

The next afternoon, I filed a report with the XXXX XXXX police department and purchased a new phone. I then called my credit card companies to cancel the cards and reverse the fraudulent charges. 

I was unaware that they had accessed the apps on my phone until XX/XX/XXXX. That's when I downloaded the CashApp app to my new phone to transfer some money to my cousin. 

I saw that my accounts had been emptied and I immediately called both XXXX and CashApp to dispute the transactions. 

Since then I have tried repeatedly to have CashApp help me get these transactions reversed, but they have denied my claim each time. Their reasoning being that I had a XXXX XXXX code that authorized the transaction. This is untrue. I have never had a security lock code that was required to perform a transaction on CashApp. 

I have requested to speak with someone regarding this claim but they state that there is no one in that department that will call me or reach out to me. Each time I file a claim, they send me XXXX email stating that the claim is denied based on a XXXX XXXX authorization and the matter is closed. I repeat, I have never had a security lock on the app. Even when I downloaded the app on my new phone, it asked if I would like to use the feature. It didn't prompt me to enter in my XXXX XXXX code. 

I have reached out to them XXXX times over the past XXXX months and they have shown nothing but indifference to my situation and I feel so helpless. 

( I want to point out that both credit cards and XXXX have all reversed the unauthorized transactions. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information that's on my credit report my XXXX XXXX XXXX opening date says XX/XX/XXXX on my TransUnion and XX/XX/XXXX how can my information be verified and it's reporting two different information my payment history on TransUnion and XXXX is not accurate with each other and it's not all listed date last active on TransUnion is XX/XX/XXXX and XXXX it's XX/XX/XXXX violation of the fcra needs to be removed immediately My XXXX XXXX XXXX has inaccurate information date open for TransUnion is XX/XX/XXXX date for XXXX is XX/XX/XXXX Last active for TransUnion is XX/XX/XXXX XXXX is XX/XX/XXXX there's no payment history in TransUnion how can it be verifed from XXXX  XXXX showing different information needs to be deleted immediately violation of the fcra Both TransUnion and XXXX stated that everything was accurate and verified how can I be accurate and verified when they are reporting two different things
Product: Credit card or prepaid card

OneVanilla VISA prepaid gift card Fraud Case # XXXX What you have put me through today is beyond unacceptable business practice. This is a felony case and I will pursue this to the fullest extent of the law. I will file complaints with XXXX and FTC. Furthermore, I have absolutely no trust in sending you my passport so you will accept the drivers license provided in attachments. 
As directed by supervisor XXXX ID # XXXX attached you will find the following documents ; XXXX ( store # XXXX XXXX XXXX XXXX, XXXX, ILLINOIS ) receipt of the fraudulently sold previously activated OneVanilla prepaid Visa gift card purchase date today XX/XX/2021 time stamp XXXX Front & back pictures of the USED VISA card Front & back pictures of the package ( which was completely sealed ) My Illinois Drivers license picture ID with proof of address screenshots from OneVanilla.com proof of the VISA card ending XXXX was previously activated on XX/XX/2021 and a purchase from XXXX XXXX XXXX of {$190.00} dated XX/XX/2021 leaving a balance of {$1.00} on the card I just paid {$100.00} cash for
Product: Money transfer, virtual currency, or money service

I paid {$320.00} USD to send my husband in XXXX XXXX XXXX on XX/XX/XXXX via electronic transfer using World Remit 's app. As of today, XX/XX/year>, he has still not received the funds despite World Remit fraudulently marking the transaction as delivered days ago. I have contacted them several times and sent them the documentation from his bank stating that the bank has not received the funds due from the XXXX XXXX  because there has been no response from the initiating bank to verify the transfer. I have reached out to them 5 times now with no response. The agents I chatted with just keep saying that they will get back to me, but their 3rd party partner is saying they sent the money. I have chatted with them 3 times, called customer service, and sent an email with the proof from my husband 's bank to no avail. 

My husband 's bank, XXXX XXXX, provided the actual receipt from the Clearing Transactions Tracking System that showed it has not been released to the bank and has been just sitting for almost a week. I attached the transaction receipts showing the money sitting waiting to be released to the bank dated XX/XX/year> and XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX and XX/XX/XXXX also XXXX and XX/XX/XXXX shows late payments when there are on time payments prior to and after those month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries placed on my consumer report that I gave no permission nor authorization to pull my credit remove the following 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
Product: Debt collection

Hunter Warfield accessed my credit report without my permission, multiple times XXXX - XX/XX/year>, severely damaging my reputation and my credit worthiness resulting in the denial of credit and housing. I verbally gave them cease and desist on XX/XX/year> - ( which I have a recording of ) that they blatantly ignored by continuing to put C for collection on my credit report every month in attempts to coerce me into paying them. I sent a notice of dispute on XX/XX/XXXX, they ignored that. I sent a second notice of dispute with green receipt tracking from the first notice as well as an affidavit of truth, and a cease and desist with consumer specific instructions that has been ignored as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an account with this creditor. This account is reporting as open. 
XXXX XXXX XXXX, L Opened 2022-XXXX  {$490.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report & I found that I had 3 unauthorized inquries on my report, one from Amex, one from XXXX XXXX, and the last one being from XXXX XXXX, I never made nor authorized any of these inquries on my credit report.
Product: Prepaid card

I have been trying to use the American Express gift card since this morning to which it will not allow me to use the mobile gift anywhere. I called several times, which they stated they fixed it and should take 30 minutes. I asked what was done for future reference and they would not say. I reached out 2 more times which the second time they told me that I needed to reload it to different apps which I have done. The last time I told them I would report this and they stated to go into a store which the point of the online gift card was to use online, they then told me to try again, and at this point I stated I will report as no solution was provided.
Product: Bank account or service

American Express Company has closed my American Express Serve account. My account was closed with XXXX dollars in it. They have violated their Terms of Service because my account was closed with funds in it. My account was not a Sub-Account, it was the Primary Account. I please ask that American Express Serve return my funds which equal to XXXX US dollars to me as soon as possible. 

According to their Terms of Service, found here : ( XXXX ) states the following for Section XXXX : Suspension of Use ; Cancellation ; Closure. 

We, in our sole discretion, may limit your use of, suspend or terminate your privileges with respect to your Account ( including your Reserve ), Sub-Account, Card and/or Sub-Account Card with or without cause or notice, other than any notice required by Applicable Law. We will only close your Account if there are no funds remaining in your Account ( including your Reserve ) or Sub-Account, unless you specifically instruct us to close your Account or Sub-Account with funds remaining, in which case, any remaining funds will be escheated to the applicable state in accordance with Applicable Law. Closure of your Account will prohibit your access to the Service. 

This is the email I received from American Express Serve Team : Card Number XXXX : Hello XXXX During a recent review of your American Express Serve ( R ) Account we noticed activity that was in violation of the Serve Member Agreement, section : Section XXXX to the violation, your Account has been closed. 

If you have any questions, please call Account Protection Services at XXXX. 

Thanks, The American Express Serve Team
Product: Credit reporting or other personal consumer reports

The following addresses are a result from fraud and identity theft. the following addresses and variations are NON MAILABLE ADDRESSES and inaccurate information. 

ADDRESSES XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX the correct address is : XXXX XXXX XXXX XXXX, XXXX DUE TO THE INACCURACIES, THE CREDIT REPORTING AGENCIES ARE FAILING TO REPORT MY AXXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Every year, we receive corrected statements from Scottrade but this XXXX is a joke. Just received in the last week of XXXX 2015 still another corrected form, long after the return has been filed. This is unacceptable to place the burden of proof back on the investor when we have already reported in good faith.
Product: Credit card or prepaid card

On XX/XX/XXXX - Cashapp took {$220.00} from my account stating that XXXX updated a purchase from XXXX XXXX which was already paid and there were no issues- I contacted XXXX and they stated that Cash app was the guilty party due to a technical glitch they were experiencing- and hundreds of people were calling XXXX with the same complaint. 

The response I got was not true- XXXX had their deduction at time of order- this is double billing and theyre keeping the money.
Product: Debt collection

I continue to receive phone calls & emails from a Debt Collector for for more than 8 months for a debt that I do not owe. 

I have asked all parties ( XXXX & Transworld Systems ) to stop this illegal harassment considering I do not owe any money to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX two times in the last 30 days and been advised by two associates and a supervisor that they can not verify, discuss or accept payment for a credit item they claim that I owe.Today I called again and spoke to XXXX who would not give his last name.He seemed to have full access to my account with my personal information, the vehicle related to the account and advised he could see where I had previously called last month.He refused to verify the amount they claim that I owe and repeatedly stated that he could not discuss my account. 
A previous call with a supervisor around XXXX XXXX I was told that these were new accounts that were not set-up in the system and that she also had no way to review the information or verify totals claimed were correct.This makes no sense as this account is over six years old and due to be removed by law in just a few months.There is nothing new about this account.She stated that even if I were agreeable to making a full payment she could not process.She further advised i should call back in two weeks which I did today XX/XX/XXXX. 
They are intentionally providing false information regarding access to the account. This is demonstrated by the fact that during my initial call and discussion with an account representative she advised that she could accept {$3000.00} to settle the account and advised that if I were to accept payment would have to be made within 10 days. This contradicts everything the supervisor and second representative said regarding their access to the account and ability to resolve the account. 

These details can easily be verified via a transcript of the calls which per the creditor are recorded. 

This creditor is unable to verify, discuss or settle payment on an account they are actively negatively reporting to my credit profile.
Product: Debt collection

ProCollect, Inc., XXXX, XXXX and XXXX has submitted a debt on my credit without my consent, according to 15 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This is not the original creditor and I have no contract with ProCollect , Inc . Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( FACTA ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the Dodd-Frank Act, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.
Product: Student loan

ON XX/XX/year>, D Department of Government Efficiency, a new branch that is not authorized to access my information, had workers access my personal data and that of my PLUS XXXX  loan cosigners. Due to this breach, and no further information on how data will be protected after this breach, I have great concern with my information from here on out and how this will be used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get Equifax to unlock my credit for the last 3 and a half weeks when I realized it wouldnt unlock through their lock and alert app. I called them up and they told me it was a system wide issue and would be resolved within 24 hours. The next day I tried to unlock my credit and got a message error XXXX to call them. I was then told that they were going to manually unlock my credit report and it would be unlocked within 60 minutes. I have been calling them every day since. One person told me I needed to send in a copy of my license and social security card which I did 2 weeks ago and have a fax confirmation showing they received it. I have been calling them every day only to be hung up on and endlessly transferred wasting hours of my time. They keep telling me the escalated it to the proper department. Nobody at Equifax can tell me when my credit is going to be unlock. I need my report unlocked so my mortgage company can pull my credit and my loan can close. I was supposed to close last week. My rate lock expired and now I am paying XXXX higher because of this. I need my credit report unlocked immediately. I have verified everything and passed all of their identity verifications. Equifax has the worst customer service and could care less about helping me get the issue resolved. Please help!!!