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

I was scammed through XXXX. There were 2 transactions in my bank account from XXXX XXXX that equal XXXX. I called Wells Fargo and told them it was a scam. They will not refund my money. I have a police report and they will not refund me any money.
Product: Debt collection

Allied collection services ( ACSI ) harassed me by calling repeatedly often times back to back. 
I spoke with XXXX at ext XXXX today and was told, " my account will be reported as delinquent to the credit bureaus TODAY. '' I asked her how she knew for sure and she told me that because my account was with them for 30 days, it could report any/ each day. When I asked if I could make a payment free of charge, she said no. When I asked if I could pay sprint directly, she said, " no you can not pay them because they can no longer access your account. '' When I asked if I could mail in a payment, she told me to mail it to XXXX directly. I questioned her about her contradiction and was told that they could abrupt my payment, but I could not pay them directly. I asked for an address to send a money order again and was given a general address for ACSI. 
Upon hanging up with XXXX, I immediately called sprint directly, spoke to an agent and made my payment. That agent assured me that the payment info would cancel ACSI 's collection attempts. ACSI/XXXX egregious and belligerent lies and tactics are completely unacceptable! They should be fined for such behavior or at the very least, we as consumers should be afforded some kind of recourse against this disturbing behavior demonstrated by allied collection services Inc
Product: Credit reporting

Please file tis complain with Equifax. 
Please note that below inquiries are duplicates as they refer to the same matter and the reporting is therefore incorrect. XXXX of each the following inquiry must be removed pronto from my credit reports:1. XXXX XXXX XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
2. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
3. XXXX XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
Thanks for taking urgent action and to give priority to this matter as I need to clean my credit report from incorrect information which unduly penalize my status. 
XXXX
Product: Credit reporting or other personal consumer reports

I know nothing about this company, or what this debt is still reporting. I was a victim of theft, and i acutally never recived notification i just saw this account on my report. I included my affidavit, and XXXX asking for a removal of account from my credit report.
Product: Credit card

Someone tried to open a credit card under my old name XXXX XXXX, also using my parents home address. They request the credit card from Comentiy Bank/Jared
Product: Student loan

Hello, I submitted a request for my Edfinanical Student Loan repayment and was told it is taking up to 150 days while other loan servicers are getting the reimbursement back to their patrons in 4-6 weeks.
Product: Vehicle loan or lease

I feel my payments to wells fargo for my auto loan was not applied properly and caused me more in fees and interest rates
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email notification from Bank Of America that read that unusual credit card activity was noticed on my account. By clicking on the email, I was able to flag fraudulent charges directly on the site. On XX/XX/XXXX, a replacement credit card was mailed. Upon reviewing my recent activity, I noticed that there were several additional fraudulent transactions on my account that the Bank of America software did not catch or allow me to flag online. Upon this discovery, I called Bank of America to add these additional charges to my case. On XX/XX/XXXX, Bank of America issued a credit of XXXX for the charges flagged online and on XXXX, a credit of XXXX for the charges I reported with an agent over the phone. On XX/XX/XXXX, Bank Of America sent me a letter indicating that they were unable to approve my fraud claim. Upon reading this, I called Bank of America to challenge this decision as a total 12 fraudulent charges were charges made in a town I dont live in, hundreds of miles miles away, at establishments I did not set a foot in The charges were not made by me. The agent I spoke with was unable to provide a specific reason for the denial and proceeded to re-open the case, adding notes stating that the charges incurred in a different town and that I did not receive any product or service from the merchants listed. On XX/XX/XXXX, Bank of America once again sent a letter indicating that they were unable to approve the claim due to what they deemed to be consistent with previous charges with the merchant. Merchants included XXXX XXXX, XXXX XXXX, XXXX and others. I have never set a foot or done business with these merchants and Bank Of America has failed to deliver proof justifying their decision. I appreciate your help advocating for me as Bank Of America is holding me liable for charges of {$2100.00} that I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My Name is XXXX XXXX, i have unauthorized hard inquires on my credit and i have now fraud on my report someone applied for credit benefits and i did complaint already to XXXX and removed all of them, but now XXXX and transunion don't removed so i contact each creditor who made this hard inquires and effect my credit and no answer from them and have now fraud alert 90 days at 3 agencies bureau
Product: Credit card or prepaid card

XXXX card closed my account with out my A knowledge didn't even get me a letter or not this is not right at all I have not three of my account closed I will wish that you have them stop this it is not right at all also I feel if you pay your bills on time that should not be able to watch your credit report and then feel that I the right to close your account or even Lower the amount of or Balance it is not right at all I hope someone can please help me and put a stop to it. Thanks u Ms. XXXX
Product: Credit reporting 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 name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, and Account name : XXXX has violated my XXXX. 
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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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: Money transfer, virtual currency, or money service

My client, XXXX XXXX XXXX sent me a {$38000.00} wire transfer into Wells Fargo Bank on XXXX XX/XX/2015. Wells Fargo claims they made a mistake and wire transferred my funds to XXXX XXXX XXXX. Wells Fargo banker XXXX was fired in the XXXX, Georgia branch for opening up unauthorized accounts. XXXX XXXX XXXX is claiming ( verbally ) that they never received the funds - - - I need them to put that in wiring and on signed letterhead and Wells Fargo says they will refund my money. 

Wells Fargo should refund my {$38000.00}. 

XXXX XXXX XXXX, XXXX
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance : {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX # XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX  # XXXX
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$570.00} XXXX XXXX XXXX FIN XXXX Balance : {$690.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Discover aka XXXX has violated savings account laws by not disclosing publicly the data breach that occurred resulting in individuals accounts being charged without their consent
Product: Debt collection

I am a victim of identity theft. I have no idea who this person or persons are! I have resolved quite a few accounts this person/s has opened in my name. This is one of the last accounts I need to resolve!. I never apply for credit cards I never thought it was possible and above that have no desire to get myself into debt! I do not have one credit card and I pay cash for everything I own. Or use a pre paid debit card to pay for a couple of things online. I am a single mother who's income is low and I survive on what I can afford. Who ever is defrauding your company is getting away with it and leaving me holding the bag! I have never heard of this company before I found it on my credit report. I can't believe someone could spend {$1100.00} in my name and get away with it! This is with Original Creditor : XXXX XXXX XXXX, XXXX  CURRENT OWNER : MIDLAND CREDIT MANAGEMENT INC. PHONE NUMBER : XXXX WHO SENT A LETTER OF DEBT THAT IS IN MY NAME FRAUDULENTLY ON XX/XX/2020. I REPORTED FRAUD TO XXXX XXXX ON XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2020 I was apprised of Many MAJOR Negative accounts being reported on all 3 CR bureaus, all due to Theft of my Identity. I disputed MANY times, even Completed the XXXX ID Theft protocol, submitted to Each & Every creditor & All 3 CR bureaus my official statement & Declaration from the XXXX declaring my Identity had been compromised. Only 2 Creditors accepted & Removed said derogatory reoortings. The CR bureaus VERY Hastily " Completed '' their " investigation & in their Opinion, I was WRONG & False Derogatories Remained. There are Several negative reports spanning LONGER than the legal 7 years. There are also approximately 75 Credit Inquiries which I Never Approved nor instigated which has been Equally Detrimental to my credit rating, which they REFUSE to Remove these callous & malicious acts it has Cost me Financially, both by Employment, Housing & vehicular purchase. PLEASE HELP!
Product: Debt collection

I was called on XX/XX/21 from the phone number : XXXX which was ID 'd on my phone as " XXXX XXXX ''. The caller identified themselves as working for Audit & Adjustment Co Inc and she was calling from XXXX XXXX which she was not ) and identified a $ 600+ debt from a company that I'd never heard of. I indicated to her that she'd have to provide me written verification of this debt, at which point she started asking for my phone number and address - I assume that if the person called me and knew my name that they would already have this information. Since the identity of the caller could not be verified, and I'd never heard of the company in question I immediately believe this to be a scam for people to pay the debt over the phone using a credit card or other such form of payment.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I was notified of the EQUIFAX Data breach and my info was effected. 
There were fraudulant accounts that I discovereed were not mine, I filed with FTC Identity theft affidavit in XXXX along with reporting to credit bureaus and contacting banks. 

According to 15 USC 1681 Fair credit reporting act, I have right to a fair and accurate reporting without bias and and in a timely manner. 

XXXX, XXXX and EQUIFAX are blatantly violating and illegally inputting fraudulant and inaccurate info knowing full well it is illegal to provide my info without my consent and to for vendors to input a REAGED account that was deleted that did not belong to me. 

Original Creditor XXXXXXXX XXXX XXXX XXXXXXXX had to delete due to fraud and this account was opened back in XXXX, but XXXX  XXXX  has illegally obtained my info and has illegally reaged and fraudulantly inputed as I have opened a new account with them on XX/XX/XXXX and has detrimentaly affected my score! 
I have enclosed the FTC ID Theft affidavit with the exact account XXXX was forced to delete off my credit report due to fraud but now XXXX  has illegally obtained my info and fraudualntly said this was just opened. on XX/XX/XXXX and XXXX illegally inputted in my file without proper investigating of the account. 

I want this account removed immediately or I will sue for {$1000.00} per violations of my rights under the FAIR CREDIT REPORTING, I will sue and win because I have all of the evidence of documents that I filed back in XXXX XXXX XXXX. 
XXXX  and XXXX, EQUIFAX and XXXX, has violated my rights illegally and fraudulantly! 

XXXX has continuosly violated and fraudulantly said I can dispute online and receive a FREE credit report, to this day I have never been able to obtain my Free report online and to be able to dispute the fraud XXXX has reported on me.
Product: Credit card or prepaid card

I applied the Amex cash magnet card few months ago.The reason I applied the card because I received an email about the promotion that said {$200.00} bonus if spend {$1000.00} within 3months .I called the customer service Because I had Amex blue cash card with them, he told me its different type of card which I could still get the account bonus if I got approved! so I decided to apply the credit card and got approved.After I spent the {$1000.00}, I did not see any credits or cash back points for {$200.00} value on my cart .I called them at least 5 times .First time, let me Waite for anther 8-12 weeks after the {$1000.00} purchase and told me the bonus was on my account.but after 2billing cycles, still nothing .I called gain.The agent told me he checked everything on my account and i was eligible.he would go ahead to request the {$200.00} bonus which was missing on my account .Let me waited about 3-5 business days .A week later .Still nothing, I called them and also chat over the app.The phone side agent told me Amex only provide one time welcome bonus for life time, thats the reason why I did not receive it .But as I asked the agent before I applied, this is definitely wrong, I also I researched on XXXX .Thats not true! I decided to chat with an agent on app, the agent told me I accepted the Amex declined welcome bonus when I applied the card, which show on my desktop! I did not see anything show up I would not receive he welcome bonus! If I saw it I would not go ahead get the card which I already had credit cards! They tried to declined my welcome offer with multiple reasons which every time was different.
Product: Debt collection

I Was contacted by Spring Oaks Capital SPV , LLC on XX/XX/2022 I was not Identified before the debt was disclosed I advised the representative that they must Identify I was who they were looking for before they disclose my personal information the agent kept yelling at me and I asked to speak with her supervisor she placed me on hold and did not get a supervisor in a timely manner when I spoke with supervisor I verified I was the person that owed the debt and committed to an arrangement to resolve the debt I was contacted XX/XX/2022 The representative that contacted me did not properly verify who I was before she disclosed my debt even after telling her im at work she continued to harass me regarding the debt She did not give me the intent of the call by providing the XXXX XXXX and was very abusive verbally I asked to speak with her supervisor she took 15 minutes before I was able to speak with a supervisor and was abusive and threatening verbally during the wait for a supervisor I explained to the supervisor that i will no longer have my rights violated by their company I was threatened on the first call that they will report to my credit even after I agreed to resolve the debt on the second call on XX/XX/2022 i advised the super that they must identify me properly before disclosing any indebtedness they have violated my rights under the FDCPA and I ask that this company is reprimanded and held accountable for this violation they are abusive with their tactics to collect on a debt and my rights were violated
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Transunion for their failure to respond to a dispute letter I mailed on XX/XX/XXXX, via USPS certified mail, tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In this letter, I requested an investigation into several inaccurate items listed on my credit report, as well as the correction of incorrect personal information. 
To facilitate the verification of my identity and address, I included a copy of my photo ID, Social Security card, and a recent bill with my current address along with the dispute letter. Despite my clear and thorough request and the provision of these documents, I have not received any response from Transunion regarding the investigation results. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Transunion has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that credit reporting agencies must ensure the accuracy and completeness of information in consumer credit reports. 
-- -- -- -- -- - I am including a copy of my dispute letter sent to TransUnion as proof. I am now demanding TransUnion immediately and permanently remove the disputed items from my credit report.
Product: Credit reporting

My Complaint with Experian is regarding the reporting of negative information on my XXXX account. The negative reporting is damaging my credit and Experian is allowing them to continue to damage my credit, due to Unfair reporting on the part of Experian. I feel that if credit reporting agency Experian is not reporting the XXXX account correctly. I have numerous disputes to Experian regarding XXXX 's incorrect reporting of the XXXX account. In an earlier dispute Experian agreed to investigate the issue and update my credit report but instead I received a response from a rep. that whatever XXXX reports will be on my credit report, I think this type of action is bias and discriminating when you do not consider all parties involved and to fairly weigh the evidence, as a result it has severly damaged my credit. In past disputed to Experian I sent in documentation of a forbearance period where no payments were expected or postponed, but I still made payments.letter from XXXX stating that the dates were I was suppose to make payments on the account. I am enclosing documentation of payments made to XXXX. According to XXXX my loan was not in repayment until XX/XX/2015, so why am I 60 days late in XX/XX/2015 and 90 days late in XX/XX/2015, this reasoning is not logical, Thank You.
Product: Credit reporting or other personal consumer reports

The following company and date requested a hard enquiry on my report without my consent. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX I need help disputing them
Product: Student loan

XX/XX/19, XX/XX/19, and XX/XX/19 - Payments in the amount of {$500.00} each made. Interest accrued for the month is approximately {$460.00}. Difference of approximately {$43.00} each month not being applied to the principle. 

XX/XX/19 - Additional {$100.00} payment made prior to next payment. Went towards interest. Should have been {$100.00} in the next payment that then went towards the principle and did not.