23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian is violating my consumer rights. They are fraudulently letting XXXX  XXXX management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on XXXX for failure to investigate as I'm a federally protected consumer. I will also be reporting both XXXX and XXXX XXXX to the IRS filling out form 3949- A information referral for unreported income since XXXX XXXX paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX. I attached proof that XXXX  XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX  because I haven't been able to sleep at night due to the financial and emotional harm these XXXX companies have caused. I know that XXXX XXXX pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain.
Product: Checking or savings account

This is a continuation of complaints XXXX, XXXX and XXXX USAA called my wife on her XXXX phone this morning in XXXX ( XXXX XX/XX/2023 ) and she called back and authenticated with her USAA ID. Despite the fact that they called her on the XXXX  number on our account and that we submitted ( and they confirmed receipt ) of our passports, her residency card, and military orders showing our current location, they claimed they were not able to authenticate her identity. And I even sent our recently filed taxes ( I literally just filed it on XXXX XX/XX/2023 and it was confirmed in receipt by the IRS ) since the customer service agent that I talked with yesterday needed to confirm income ( I told her I am the only one with income in our family ). So they also have this as well. 

Despite the fact that I have called and talked with customer service half a dozen times since they froze both of our cards, provided them with the aforementioned documents, authenticated with my full credit card number and information and social security number and now even them talking with my wife on the XXXX  phone number associated with our account ( even though we took charges to have the call with a US number ) and she authenticated with the USAA ID, they stated they do not have enough information to authenticate us. This is beyond ridiculous and they apparently are choosing not to recognize government identification. I am reaching out to a lawyer to discuss my next steps as soon as I can reach one ( Ill have to find one I can talk with on Saturday ).
Product: Checking or savings account

I have banked with Wells Fargo for over 10 years and Im about to close my account and move to a different bank. Their overdraft fees are outrageous. I got charged 2 overdraft fees in less than 24 hours despite my direct deposit hitting the next day. I tried to call and speak to a representative but the person who answered was so rude and hung up on me within 30 seconds of answering the phone. I tried calling back and was put on hold for over 45 minutes. I have grown to hate this bank. Their customer service is awful and their overdraft policy is beyond ridiculous. Getting charged over {$70.00} in fees for having an overdraft of {$1.00} should be illegal.
Product: Checking or savings account

I purchased 2 round trip plane tickets for my aunty and autistic cousin for a family trip we were taking to Florida. Due to the COVID -19 pandemic, the trip was canceled. Although I received a full refund for the portion of the trip ( which was most of it ) that I had paid for in miles, XXXX XXXX refuses to refund the portion paid with my Paypal debit card, even though some of the flights on the tickets were canceled. 

I submitted a dispute through my card issuer, Paypal, but their options for dispute and follow up are very limited, and didn't really cover the reasons for my disputes. On XX/XX/2020 I received email communication stating that the disputes had been denied. I have been trying to reach out to Paypal since then to have them re-reviewed but it has been impossible to get a response from them. Below is information regarding the original transactions, and the claim number Paypal assigned to them : Merchant : XXXX XXXX USD XX/XX/2020 at XXXX XXXX ESTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount - {$170.00} USD Dispute ID : XXXX Merchant : XXXX XXXX USD XX/XX/2020 at XXXX XXXX ESTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount : {$170.00} USD Dispute ID : XXXX Merchant : XXXX XXXX USD XX/XX/2020 at XXXX XXXX ESTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount : {$150.00} USD Dispute ID : XXXX Merchant : XXXX XXXX USD XX/XX/2020 at XXXX XXXX  ESTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount : {$150.00} USD Dispute ID : XXXX I believe that I am entitled to a full refund since XXXX XXXX 1 ) canceled one of the flights on the tickets and ; 2 ) Refunded my other portion of the flight. I have been trying to talk to someone at Paypal but all I get is agents who direct me to reply to unmonitored emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX  XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$8700.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX  XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$160.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$540.00} ; XXXX XXXX  XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$7100.00} ; XXXX Balance : {$1700.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$7200.00} ; XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

Every time I add an authorized user they restrict ALLLL my accounts. They state they need to verify identity on THE EXACT same individuals they have already verified identity on. They do not even give any notice they have restricted all accounts to verify one acct that they already social securities and front and back id cards on. These individuals are listed and been verified on at least 10 other accts yet Capital One insists on restricting accts and making me submit and resubmit and resubmit these people 's identification. I have had to literally make a photo album for all these people to carry around in my phone so their identification can be compromised if my phone is ever lost or stolen just to add them and help them build their credit. Now you attempt to send these documents to a link they that anytime you attempt to send a piece of information is just stays on the page and never uploads the information. Their identifications have already been verified on Capital Ones acct listed below XXXX XXXX ( mother XXXX accts XXXX and business acct card XXXX XXXX XXXX XXXX brother XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX my brother ) acct XXXX XXXX XXXX acct also restricted for adding same authorized users that's already been verified under XXXX XXXX and XXXX XXXX
Product: Money transfer, virtual currency, or money service

My preparer deposited my XXXX XXXX XXXX into a chase bank that isn't mine on XX/XX/XXXX in the amount of {$7000.00}. WHERE'S MY REFUND showed " XX/XX/XXXX '' my refund was sent to bank. After 5 days of not receiving anything I called the IRS. The IRS gave me account and routing # s that linked to XXXX XXXX. XXXX received my refund, THEN SENT MY REFUND TO XXXX, A XXXX party bank. After Logging onto XXXX using my refund amount, Social # and filing status, I saw XXXX was " expected federal amount '' Under " amount paid to you '' I see {$8900.00} which is what i expected to be deposited into MY BANK account I gave preparer. I scroll down further and see " XXXX XXXX XXXX XXXX  '' Something I have never known existed, I had not been informed about any Advance loan. I see " approved '' direct deposit sent to account # -- -- -- -- - XX/XX/XXXX In the amount of {$7000.00}. I was completely lost, as I didn't think my refund was coming until XX/XX/XXXX, the date shown on the IRS WHERES MY REFUND. I reached out to my preparer about this {$7000.00} advance loan being deposited into an account that I did not give her and she never responded. I called XXXX about the {$7000.00} advance in my name, that was sent to this bank account. XXXX tells me, they only deposit funds to whatever account # was listed on the XXXX. They do give me the ACH #, The account and routing, and the name of the bank my funds were deposited to - XXXX. I called Chase, gave them all the information I was given, they looked into the account and confirmed there was in fact, {$7000.00} in my name that was deposited into this account, who's name did not match the name on my money. I received a {$1900.00} check in the mail from XXXX, What's left after advance. Chase bank should have rejected this deposit! This account holders name IS NOT MINE, which is the name listed on the refund. Chase bank couldnt do much because its not my account, they could only confirm the name listed on my refund/advance didn't match the name associated with the account it deposited to. I can't request a release or recall because I am not the account holder under this business account. Chase bank said to reach out to the merchant/sender XXXX but they tell me they can't do a recall or initiate a transfer and that I have to contact the bank my funds were sent to. I have done that already, chase won't release my money to me. They won't contact the account holder about money they know isn't theirs, isn't in their name, that has been deposited to them. I have done everything XXXX can regarding this. I just want my money sent to my address, or bank but Chase won't release them and XXXX XXXX XXXX XXXX XXXX won't reach out to chase to initiate a release, indemnity letter Etc. This is my last hope, I don't want to give up! Please help me.
Product: Debt collection

It has come to my attention that, despite other credit reporting agencies acknowledging and promptly deleting these fraudulent accounts, your bureau continues to drag its feet in rectifying this matter. 
XXXX XXXX XXXX & XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX & XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX & XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I am appalled by the ongoing reporting of fraudulent accounts on my credit report by your bureau. Other credit reporting agencies have taken swift action upon the presentation of clear evidence of identity theft, promptly deleting the fraudulent accounts from my record. 
It is beyond comprehension why your bureau is failing to act with the same level of urgency and responsibility in rectifying this blatant error. The continued reporting of these fraudulent accounts is not only damaging to my creditworthiness but is also a blatant disregard for the evidence I have provided. 
I demand an immediate and aggressive investigation into this matter to rectify the error promptly. The evidence of identity theft has been submitted, verified, and acted upon by other credit reporting agencies, and I insist on the same level of diligence from your bureau.
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. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also 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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I refinanced my auto loan with Refijet. As going through the number with the loan officer initially, I was told that there would be a {$490.00} prepaid finance charge which was to pay the accumulated interest with my previous lender ( XXXX bank ). However, when logging into my online account two weeks later, it appears the total loan principal includes the {$490.00} fee, which obviously isnt right and should not be included in there. I then called the loan officer to get clarifications on this. What I was told this time was not the same as before. He said the {$490.00} was a fee from Rjfijet and needs to be included in the principal amount. I was surprised about the different answers on the same amount from the same person. I tried to further dispute this but was told again that was the finance charge. 

The loan application itself clearly outlines the {$490.00} as XXXX XXXX XXXX, but the loan officer denied what he previously communicated with me regarding that amount. 

Therefore, my total principal amount is now {$490.00} higher than it should be which would result more interest I would have to pay, and this is not right in any comprehensible way. 

Also, I was told they would charge {$10.00} which was the amount to open an account for me, but my online banking only shows {$5.00} be deposited into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Mortgage

See Attached Formal Letter of Complaint outlining the details of the process and inability for Community Loan Servicing to complete the loan modification program. I have included some of my notes from the multiple calls made to them, as well as all other documents showing I have done all that is required and they fail to complete the process.
Product: Credit card

On XX/XX/2023 I turned off auto pay ... which was more than enough time for amex to know about it. I get an email today that they are pulling XXXX out and it's being processed yet I know I stopped it on XXXX. When I called amex the man said it was still active which is odd since it was turned off per the advice of an attorney XXXX. So I'm well aware of the fact I turned it off but miraculously it's back on... which I will tell the attorney about. 

The man said he couldn't shut it off as it's being processed ( convenient ) and I am writing to ask they shut it off immediately bc I did that on XX/XX/XXXX and the guy is trying to tell me maybe it's a " glitch ''. 

The bank was also contacted as to what they are doing.
Product: Debt collection

The caller said we owe on a XXXX account. 

We don't have a XXXX account. 

I just received a collection letter stating they will accept a lower amount than the debt listed. 

The collection company this letter is from is American Coradius International LLC When talking with XXXX, they stated they can not look up anyone 's account to see if what I'm saying is true.
Product: Debt collection

The debt collector called my coworkers, whom numbers was provided due to a referral documented I fill out at the gym. These numbers were referrals so they would also assist to the gym, it was not for them to collect a debt and they gave personal information to my coworkers about my debt. I told them that they were harassing my coworkers.told them not to call nor text them again.
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B requires the removal of any incorrect accounts from my credit report. Can you check the documents? Some of the listed accounts are inaccurately reported, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected or deleted : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$980.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$3200.00} U S DEPT OF EDXXXX XXXX XXXX : {$9900.00} U S DEPT OF EDXXXX XXXX : {$6500.00} U S DEPT OF XXXX XXXX XXXX {$1400.00} U S DEPT OF XXXX XXXX : {$5400.00} U S DEPT OF XXXX XXXX : {$6500.00} U S DEPT OF XXXX XXXX : {$4700.00} U S DEPT OF XXXX XXXX : {$7100.00} U S DEPT OF XXXX XXXX XXXX {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling and disputes particularly in the light in the recent recent CFPD lawsuit highlighting significant issue of the platform.
Product: Credit reporting or other personal consumer reports

Hello, I got a free copy of my credit report and this account shocked me. Im a XXXX XXXX  and I am trying to learn about credit scoring. I have contacted XXXX several times. I know for sure this is completely inaccurate and I want you to investigate it for completeness and accuracy and please remove it! It is clearly inaccurate. It does not belong on my credit report. I asked XXXX several times to fix this I also asked Transunion and they never get back to me.
Product: Checking or savings account

I deposited money on the XXXX and the XXXX XXXX being XXXX and the other XXXX I was charged a missing claim id of XXXX dollars because the investigation concluded they only found XXXX dollars deposited on the XXXX. Nothing made sense and nothing is adding up as to why they took my money and what evidence they have to do so. When I called the customer service kept switching between the transactions and it felt like she was trying to confuse me so I would hang up. She provided no new information or help and refused to let me talk to someone else. I do not have receipts for my deposits as they were made through my phone through XXXX XXXX. I dont have much evidence on my side but I know there was a security guard and footage of me standing at the chase for over XXXX minutes depositing my money.
Product: Payday loan, title loan, or personal loan

I received a loan on XX/XX/XXXX for {$700.00}. As of today I have paid {$3400.00}, I have scheduled my final payment for XX/XX/XXXX in the amount of XXXX. 

This had an APR of 674.9616 %. {$3700.00} as of XX/XX/XXXX https : //self-service.brightlending.com/loans Iowas Regulated XXXX XXXX caps interest at 36 % on the first {$1000.00}, 24 % on the next {$1800.00}, and 18 % on the remainder. The resulting XXXX, which blends these rates, is 31 % on a {$2000.00} loan. 

They are not licensed in the state of Iowa.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute the XXXX XXXX XXXX payment history. I am requesting that Transunion deleted this account. There no payment history with this company.
Product: Credit card

I submitted a request for a Citibank credit card and was declined because they said I could not use my household income. I am a stay at home home with excellent credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prestige financial garnished my wages and still have me listed as owing them money 2 different amounts
Product: Student loan

I have been unemployed for 14 months. I called and asked for a deferment but they did not honor it. I told them I was going to a mental health treatment facility for the stress I have been having but they keep calling and writing and sending threatening emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XX/XX/XXXX