23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This purchase was an online course for help with social media on XX/XX/year>. The course is called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX run by XXXX XXXX XXXX The course was not at all as advertised and I paid extra for XXXX XXXX. The coaching and course is all on a platform called XXXX. XXXX had cut off all of my access .on about XX/XX/year> During the coaching XXXX . The coach. Acted wildly inappropriate I am a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. This course was to help me create more income online. As soon as we started XXXX  XXXX XXXX asked me if I was ok XXXX XXXX to men. I said yes as I know much of my XXXX  is men I then told him I had a XXXX  set up which would sell some of my XXXX XXXX that I am not allowed to post on XXXX He then asked me if I had an XXXX XXXX or would do something like that XXXX XXXX is known to be a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I do not make that XXXX XXXX XXXX. I gave him no indication I made that XXXX XXXX XXXX. I repeatedly spoke about XXXX XXXX XXXX and XXXX XXXX. To me this felt as if he was suggesting I make XXXX. Additionally- when you are studying social media you might look at influencers that made it big in categories or niches like yours. I am a XXXX  hence me hiring XXXX XXXX My XXXX is mostly comic book characters and XXXX XXXX When we spoke of influencers for me to look at. He sent me XXXX XXXX XXXX XXXX XXXX  pages that have XXXX XXXX XXXX that are very obviously XXXX XXXX. dont mean to say this in a mean way its just that I am XXXX XXXX and dont really have that sort of XXXX  so I thought it was odd hed send me these profiles It took me a few days to digest this and please know All of these XXXX  were on his XXXX. 

I was not smart enough to take screen shots He has cut my access off as of XX/XX/year> when I initially asked for my refunds. 
I do not have access to the course On Wednesday XX/XX/year> I confronted him over email. I told him I was very confused by his coaching and wanted a refund He initially refused Then gave in to a partial refund but now I realize he cut my access off At one point in the emails I did say just refund me for the coaching but I was very emotional and I couldnt believe that he was fighting me so hard. He was acting so bizarre in the XXXX  The price of the course he claims was XXXX but I believe I saw it advertised as low as XXXX. I initially paid XXXX The course he is valuing now at XXXX I believe it really is priced at XXXX ( advertised in emails etc ) He has refunded me XXXX. 
After all this After being XXXX XXXX  and then having my actual course access cut off I am asking for a full refund because even if I get access back This has been a traumatic experience I am the XXXX XXXX XXXX XXXX XXXX  and this is bringing up memories of it Just because im a XXXX XXXX doesnt mean i deserve to be treated like that I am asking for the remainder of my XXXX back XXXX XXXX is refusing to give it back XXXX to me saying XXXX XXXX had a no refunds policy in place but his behavior trumps any sort of policy and his policy is in violation of consumer laws I do not have access to the course and he XXXX XXXX  me I want a full refund
Product: Debt collection

CHASE CARD
XXXX XXXX XXXX XXXX XXXX
XXXX  HAS BEEN SENDING ME CHARGEOFF NOTICES IN THE AMOUNT OF XXXX THE CHARGEOFF HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report, I noticed a fraudulent medical account on my profile. This is causing me distress as i am a 100 % XXXX veteran. My income is limited and this is in the way of me getting improved for anything. I have my healthcare paid for by the government and this is NOT MINE. Please remove the medical account number " XXXX '' from my report.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed a fraudulent account. STATE EMPLOYEES CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft happened. Remove account. The FTC said I had the right to dispute this account. I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) These fraudulent accounts were not authorized by me. I REPORTED IDENTITY THEFT AND FILED A POLICE REPORT YEARS AGO REGARDING THIS MATTER AND IT IS STILL HURTING MY CREDIT. I DID NOT OPEN THESE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I C System shows a open account from XX/XX/year> for {$170.00}. that's already been paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I am completely dissatisfied with these companies called Wells Fargo Card Services and XXXX. I have contacted them several times requesting they be removed from my credit report! They have yet to send me any validation as to how this account is mine! I have sent them proof of the police report attached from XXXX that states my property, identification, and social security information was stolen! They have been reporting on my credit report since XXXX or prior. I have been trying to get them removed for years! This is unacceptable and needs to be rectified ASAP. The most recent letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Not including the amount of times I have called them personally!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The first inquiry in question was apparently made by XXXX XXXX XXXX XXXX  on XX/XX/2020 and I have no recollection of doing any business with XXXX XXXX XXXX XXXX. 

The second inquiry was made by XXXX XXXX on XX/XX/2020 and I have no recollection of doing any business with XXXX XXXX. 

The third inquiry was made by XXXX XXXX XXXXXXXX on XX/XX/2020 and I have no accounts with XXXX XXXX.

Two inquiries were made by XXXX  on AXX/XX/2020 and XXXX XXXX. I have no accounts with XXXX. 

Another two inquiries were made by XXXX XXXX on XX/XX/2020 and XX/XX/2020. I have no primary accounts with XXXX XXXX
Product: Debt collection

In XXXX of XXXX I visited the XXXX XXXX XXXX XXXXXXXX XXXX twice : once to receive XXXX  to a small lXXXX XXXX injury, then again a week or two later for a XXXX XXXX XXXX. I believe the bills must have been sent to the wrong address. I did not have insurance and the bills went to collections, eventually popping up as two collections accounts on my credit report. One was in the neighborhood of {$1200.00}, and the other maybe {$800.00} ( it seems so long ago ). 

In XXXX of XXXX, I negotiated and resolved these two collections accounts, which were removed from my credit report. 

XX/XX/XXXX, I noticed the {$1300.00} collection from Ability Recovery Service on my credit report. I contacted them and asked for something like a medical billing statement or some kind documentation that shows the services I was originally charged for, which they said they could not provide. I contacted the original creditor and they could not find my account.
Product: Credit reporting or other personal consumer reports

Original Complaint XXXX XXXXXXXX Subject : TransUnion Reinserted XXXX Previously Deleted Account Without Notice ( FCRA Violation ) Complaint Details : I am filing a complaint against TransUnion for reinserting an account from XXXX XXXX onto my credit report without proper notice and without valid verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). 

Company Reporting the Account : XXXXXXXX XXXX Account Number ( Last XXXX Digits ) : XXXX Date of Original Removal : XX/XX/year> ( Exact Date Unknown ) Date of Reinsertion : XX/XX/year> ( Exact Date Unknown ) FCRA Violations by TransUnion : No written notice of reinsertion was provided within 5 business days, as required by law. 
No proof of verification was given before reinsertion. 
The account was previously disputed and removed, meaning it should NOT have been reinserted unless new verifiable proof was provided. 

Requested Resolution : Immediately remove the XXXXXXXX XXXX account from my TransUnion credit report. 
Provide written confirmation of removal within 10 days. 
Explain the verification process used for reinserting this account. 

If this issue is not corrected, I will escalate further, including exploring legal options for willful FCRA violations, which can result in statutory damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these accounts on my credit report.may belong to someone else.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Payday loan, title loan, or personal loan

I went online to get a loan but there was no paper work. When I went online it never gave me a fixed rate because there website went blank. Next thing I knew I was approved got a text message I made my first payment for XXXX XXXX XXXX dollars and XXXX cents I seen that my bill only went down XXXX dollars this is not what I had signed up for since there website crashed and I was unable to see what I was getting I want to know why my loan went down only XXXX dollars when I paid XXXX?
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I contacted Wilshire Consumer Credit And Spoke with XXXX a Supervisor. I was calling to get the information XXXX was needing released to acquire a new loan with XXXX. was told i needed to provide a letter of authorization. which my fiance filled out and signed since she is on the account with me, sent it in and authorization was given for XXXX to speak with Wilshire. Upon XXXX speaking with them and calling us back. we were informed that the information XXXX was requesting would not be released. See i was given a 10 day payoff from Wilshire on XXXX XXXX which will expire on XXXX XXXX. I fear that wilshire is stalling to prevent me from being able to have this loan paid out completely. this is unfair to me as it could result in my vehicle being taken and i am making an attempt to pay this loan out.
Product: Credit reporting or other personal consumer reports

EQUIFAX Report # XXXX XXXX XXXX XXXX is listing XXXX Accounts that are LATE/DELINQUENT requesting the below listed accounts be deleted immediately! 
Account ( s ) ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCORDING TO 15 USC 1666 and its entirety IT IS UNLAWFUL TO REPORT LATE PAYMENTS The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Checking or savings account

2 months ago citi bank closed my savings account, they said it was due to suspicious activity. I had done nothing wrong or illegal, they said they had to do a investigation and once they did this investigation, that they would cut me a check for the balance in my savings account. I was getting text messages everyday that informed me of my balance, my balance was XXXX all the way up until XXXX XXXX then I got a message saying my balance was XXXX cents. I tried to call and couldn't get through, then XXXX delivered me a check from the bank for only XXXX. They owe me roughly XXXX dollars. I do not understand how they could have held my funds in the first place, and then to not even pay them back is unexceptable. I lost my car and my utilities have been off for over a month now because I was denied access to my own funds. Please help me, I have tried everything to work with this bank, all they keep saying is you'll get a letter. I don't want a letter I want my money.
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 Account number XXXX XXXX Account number XXXX XXXXXXXX  Account number XXXX XXXXXXXX  Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX U S DEPT OF EDXXXX Account number XXXX U S DEPT OF EDXXXX Account number XXXX U S DEPT OF ED/XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX DEPARTMENT OF EDU Account number XXXX Account name XXXX XXXX XXXX Account number XXXX US DEPT OF EDXXXX Account number XXXX XXXX XXXX  Account number XXXX has violated my rights 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the Person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

XX/XX/XXXX changed insurance to XXXX XXXX XX/XX/XXXX Insurance disbursed was XXXX XXXX where is that monies ) You said a partial refund was deposited into my escrow XX/XX/XXXX of XXXX. So that mean I should have been over my escrow amount. So I should have gotten a refund. 
Escrow statement dated XX/XX/XXXX my XXXX payment is XXXX Escrow statement dated XX/XX/XXXX my Current payment is XXXX That is not my current payment. I am payment more for my Mortgage then suppose to based on the Escrow statements. 
Where is he refund. Someone is doing something with this money.
Product: Credit reporting or other personal consumer reports

I am submitting this explanation regarding the lack of action by TransUnion to investigate two specific accounts I disputed via mail. On XX/XX/year>, I sent letters disputing the accuracy of these accounts, providing detailed information and supporting documentation to assist with their investigation. Despite my efforts, there is no evidence that the disputes were properly investigated or resolved. 

The disputes were mailed to the credit reporting agency at their designated address for handling disputes, and I included all necessary documentation, such as account names, reasons for dispute, and copies of supporting evidence. I also requested written confirmation or the results of the investigation, as required under the Fair Credit Reporting Act ( FCRA ). 

Since submitting these disputes, I have received no acknowledgment of the investigations, nor have I been provided with any evidence that the accounts in question were verified or corrected. The disputed accounts remain unchanged on my credit report, and I have not been informed of any findings or outcomes regarding these disputes. 

This lack of response has persisted for nearly a year, despite the FCRAs requirement that disputes be investigated in a timely and thorough manner. As a result, I have been negatively impacted by the unresolved inaccuracies on my credit report, including higher interest rates and limited access to credit opportunities. 

I request immediate review and escalation of this matter to ensure these two disputed accounts are properly investigated, and any inaccuracies are corrected. I am prepared to provide additional documentation, including copies of the original dispute letters and supporting evidence, if needed to identify the accounts in question.
Product: Debt collection

I am writing in reference to the account with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, TX XXXX, which you claim I owe. Pursuant to 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease all communication with me regarding this debt. 

This request includes, but is not limited to, communication by phone, email, or mail at my home, workplace, or any other location. Please note that this request is made in accordance with my rights under federal law. 

Additionally, I request that you not contact any third parties in relation to this matter unless permitted by law.
Product: Credit card or prepaid card

This is a second complaint referencing the fraudulent charge mentioned in the complaint XXXX to the Wells Fargo credit card ending in XXXX, a card I have not used for at least XXXX years and expired in XXXX of XXXX. 

As mentioned in the complaint filed XX/XX/XXXX : when reporting the fraud on this account, my conversation with the Wells Fargo fraud section representative on XX/XX/XXXX included my direct unambiguous requests to NOT ever issue any new cards to this account. 

Today XX/XX/XXXX, less than XXXX weeks from the above mentioned direct request, I am reporting that Wells Fargo has issued a card with a different account number that was received at my address. This is Wells Fargo intentionally circumventing my direct request to cease having active cards issued for this account. XXXX. 

The document attached to the new card suggests this new card is attached to the same credit account under my name but has changed some of the numbers on the card face. Issuance of this card suggests Wells Fargo is attempting to keep the account active against my wishes and collect on fraud, both represent fraud. 

I will not be activating this card. I consider this activity clear evidence Wells Fargo is in the business of making money through deception and/or fraud.
Product: Consumer Loan

I purchased a vehicle from XXXX XXXX company XX/XX/XXXX. The real estate market crashed XX/XX/XXXX and became increasely worse XX/XX/XXXX until present. I could no longer make payments and gave the truck to someone else in order for payments to continue to be made. Unfortunately that did n't work. 

XXXX did a charged off. An attorney Nelson & Kennard are collection attorneys. They put a lien against my house XX/XX/XXXX and are asking for {$32000.00}. 
The debt owed to XXXX according to Nelson & Kennard is XXXX. 
Can this debt be collected twice? first by charge off and ford 's insurance, then by a company who bought the debt?
Product: Debt collection

I just received notification in my email inbox about this debt dated XXXX  XX/XX/2018 which is around the time my identity was compromised, I had to file a claim with FTC because I have had several debts that aren't mine and there was a fake claim with XXXX and an opened Bank Account with XXXX I had to dispute, I have been gone from this address for atleast 9 plus years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXXXXXX
Product: Credit card or prepaid card

Sychrony Bank - Over the past 18 months, I have made three payments : {$360.00} ( XX/XX/2020 ), {$200.00} and {$500.00} ( XX/XX/2020 ), on two separate accounts. Each time they posted the payments to someone else 's account entirely and did not credit my account. I paid the {$360.00} a second time and it posted correctly. The {$200.00} and {$500.00} ( both in XX/XX/2020 ) have never posted to my account and I was forced to make yet another payment. Because of Synchrony 's error, I am out {$1000.00}. When I called to remedy the error, I was on hold for over 45 minutes before the call disconnected. The owner of the account the payments was posted to also called, with no resolution. I have attached proof of my payments and proof of the account they were posted to. I do not know where the {$500.00} posted, but it has cleared my bank.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.