23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The CFPB needs to review the billing dispute process at this banking institution. Never in my life, have I had such difficulty resolving a small dollar dispute with a credit card provider. Timely filed billing dispute case XXXX for a total small dollar amount of {$310.00}. Attached is just a part of the lengthy amount of information submitted to the business. In fact, the business sends an email dated XX/XX/2022 asking for an unnecessary piece of information requesting a " letter from a neutral third party ''. As requested, a letter was submitted, about seven days later, the business reaches out and asks for " a letter on business letterhead ''. The individual is self employed. The business needs to fix the wording they use if they expect a cardholder to hire a third party company for an expert opinion. 

Attached is a service invoice from the business dated XX/XX/2022, the business removed ALL of the equipment referenced in my original dispute. The dispute is valid, remove the charges from my account.
Product: Credit reporting or other personal consumer reports

INCORRECT INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The company has repeatedly called the listed employer after several requests for ALL calls to them to cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/2022, I received a letter from Transunion consumer reporting agency stating investigation results. The file number is XXXX and date issued XX/XX/2022 stating that XXXX court XXXX  Arkansas docket # XXXX has been verified. The results state the account is verified as accurate but failed to list the company that verified this account as accurate. I have tried to work with Transunion to get their verification and validating process of the accounts that are being furnished by them. I have asked Transunion to send me this information in writing through a compliant and they have failed to do so. I also asked Transunion to furnish me the written consent I gave them to furnish a consumer report on my behalf. Transunion is reporting information of mine that violates my right to privacy to any person that alleges I gave them permission. Please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give Transunion neither direct nor indirect permission to furnish my information. Transunion is violating my federally protected consumer rights. I am hereby demanding this entry be permanently removed from my consumer file within 30 days from the day they receive this complaint. I have lost faith in the consumer reporting agency as they do not follow the federal law by furnishing my private information.
Product: Debt collection

This debt appeared on my credit report. I am not sure what it is or who it is or why they are harassing me. I do not have anyone to have a joint account with. I am not married and I have no children. It could possibly be identity theft or theft
Product: Checking or savings account

I have some concerns about how my deceased fathers bank account at TD Bank was managed prior to his death. The TD Bank Fraud Department was informed by XXXX, who managed his IRA, that he was a victim of on-going fraud and scams. This notification was shared with the TD Bank fraud team on XX/XX/XXXX. While a customer of TD Bank, I also personally reached out to two branch managers at the TD Bank XXXX branch to alert them that my father is a victim of fraud. This did not result in any changes to their handling of his account. 

Between XX/XX/XXXX and XX/XX/XXXX, when he took his own life as a result of financial distress, I believe that TD Bank did not follow proper procedures in order to protect him and his assets. 

My father sold his home and made a large deposit of {$280000.00} into his TD Bank account on XX/XX/XXXX. On several occasions, my father walked into different branches on the same day and withdrew large amounts of cash without question. On XX/XX/XXXX, he went into a branch and withdrew {$15000.00} in cash. The very next day, on XX/XX/XXXX, he withdrew another {$15000.00} in cash. On XX/XX/XXXX, he took out another {$16000.00} in cash. On XXXX, he pulled out another {$33000.00} in cash. 

In addition, he made two large wire transfers out of his account. On XX/XX/XXXX, he wire transferred {$65000.00}. And, again on XX/XX/XXXX, he wire transferred another {$95000.00}. 

He essentially was allowed to drain his entire TD Bank account between XX/XX/XXXX and XX/XX/XXXX. As far as I can tell, there was little oversight to his suspicious transactions. He eventually took his own life on XX/XX/XXXX, stating in his suicide note that his death was a result of financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts nor is this Chapter XXXX BK is mine. I have attached a letter. I am also a XXXX XXXX XXXXXXXX XXXX Veteran in which I am exempt from all student loans. I have attached a letter for that as well.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX XXXX XXXX wired XXXX to a fraudulent account set up at the Wells Fargo Bank. XXXX believed they wiring the money to a Boat supplier they had done business with for over 40 years. The owner of the Wells fargo account had sent emails to our bookkeeper over a period of months establishing themselves as a representative of XXXX XXXX XXXX and instructed us to wire this payoff amount on a new boat to fraudulent Wells fargo account. XX/XX/XXXX Wells Fargo contacts XXXX XXXX that the received a wire on intended for them to the fraudulent account. XXXX XXXX contacted us and we instructed our Bank in MD to contact Wells Fargo to request a reversal of the funds. 1st request XX/XX/XXXX XXXX 2nd request XX/XX/XXXX XXXX 3rd request XX/XX/XXXX XXXX 4th request XX/XX/XXXX XXXX. XX/XX/XXXX XXXX Wells Fargo finally acknowledges receipt of inquiry and they will respond in due course. XX/XX/XXXX Wells fargo we are unable to to comply with request and requests indemnity form from XXXX Bank XXXX Bank fills request immediately. XX/XX/XXXX XXXX Bank only receives XXXX of the funds. XX/XX/XXXX, after repeated phone calls and emails by XXXX and XXXX XXXX XXXX ( owners of XXXX XXXX XXXX ) with no response. Wells Fargo again requests indemnity form from XXXX XXXX because XXXX XXXX accepted a Wells Fargo Cashier Check in the amount of {$28000.00}. XX/XX/XXXX Wells Fargo sends letter to XXXX XXXX that funds in the amount of XXXX were recovered from XXXX XXXX account. Wells Fargo did not in anyway do their due diligence on the fraudulent account. In addition Wells Fargo let critical hours and days and weeks go by before responding or making any attempt to retrieve the funds they knew were in a completely fraudulent account. We are a small family business and these funds are crucial and meaningful to the operation of our business. Wells Fargo failed at all to respond to us and treated the stolen money in their account as meaningless to them. Contact XXXX XXXX XXXX XXXX XXXX XXXX or XXXXXXXXXXXX
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 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 : 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: Debt collection

Real Time resolution has been fleecing my mortgage payment. I have over payed them by least $ {$600.00}. My 2nd mortgage payment should have been completed with XX/XX/XXXX pmt of {$240.00} this was made over the phone on XX/XX/XXXX. I show them pmt coming through my bank acct on XX/XX/XXXX. They have padded my account with multiple legal charges of which I have nothing do with. They should have sent me a letter showing that I have completely paid but instead I just received a letter showing that am 30 days past due. This is totally unacceptable and this company has very deceptive and fraudulent business model. Am asking your agency to intervene on my behalf
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Mortgage

XXXX, Im sending you this link to the Consumer financial protection bureau You need to submit a complaint and let them know that the balance of the mortgage has been paid off and you are entitled to the remainder of money that they owe you plus interest for holding it all this time. 

Tell them that PennyMac wont release the funds until you submit contractor bids but that you dont know what you are going to do with the house yet and the balance of the mortgage is paid off so it is not necessary and it is none of their business
Product: Debt collection

This dept is not mines. I have disputed over 5x but it is still on all 3 of my credit reports. I also have reported this collection acct to the FTC. The address listed for the collection acct is not my address nor has it ever been.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above accounts that is currently reporting to my credit report is is holding up the process of me buying a new home. The accounts is FRAUDULENT and UNAUTHORIZED. -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above accounts has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Credit reporting or other personal consumer reports

I received an email from XXXX XXXX about a new XXXX XXXX approval on XX/XX/XXXX that I had not applied for. I had then checked XXXX XXXX email about a Hard inquiry had been made. It was not until I checked my XXXX XXXX  account the night of XX/XX/XXXX, that I realized someone had my information and had made 12 hard inquiries for credit card applications. I was unaware of this and did not sign up for any of these new credit cards. XX/XX/XXXX and XX/XX/XXXX, I contacted the 3 Credit Bureaus and put a freeze to them all as well as fraud alerts. I also contacted all of the inquiries made for those Banks and notified them that it was not me and marked them as fraud. I am afraid whoever this person is had my personal information as well as social security number. Below is a list of Banks for other Credit card applications. 

XXXX XXXX XXXXXXXX -Comenity Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My car was repossessed on XX/XX/XXXX or XX/XX/XXXX after bankruptcy was discharged on XX/XX/XXXX. The vehicle, a XXXX XXXX XXXX financed with GM Financial, was included in the Bankruptcy and the last payment I made on the vehicle was XX/XX/XXXX. I did not receive any notice that the loan reaffirmation was not approved and I did not receive any notice that my vehicle will be repossessed for amount owed before/after bankruptcy. I called GM Financial on XX/XX/XXXX to see if there is any option to get the vehicle back, but the GM representative who helped me said I have to speak with a certain center handing my account that might not be there because of the holiday. I asked for the phone number of that location in case they are not available, but she declined giving me the contact number saying I would have to leave a message.
Product: Student loan

1. Nelnet lied to me and said consolidating my loans would not affect the time that had tolled towards forgiveness under the IDR plans. I have paid on my loans since XXXX and thanks to Nelnet, now they are all reset to be paid on for another 25 years. My loans were going to be forgiven in 13 years before Nelnet illy advised me.

2. Nelnet convinced me to consolidate my loans so that all of my loans would benefit being under the SAVE Plan. Upon consolidation, they reached out once saying my IDR application is in progress. My statements say I owe XXXX dollars a month now and my application status hasnt changed or been updated since XXXX. When you call them, you get someone who tells you to relax and that even though theres no record of your IDR application on Nelnet website, that they are just busy. Keep in mind it takes about 2 hours to talk to someone who has no idea what they are talking about. They are just trying to calm people down, not resolve anything.

3. As it stands, all of my emails about the status of my IDR application have been answered with generic responses that say stuff like : we might place you on an administrative forbearance, so dont pay attention to our emails saying you owe {$2000.00} on XX/XX/XXXX. 

4. Nobody at Nelnet can tell me the status of my IDR application that I submitted in XX/XX/XXXX. Nelnet customer service continues to lie and tell me that once my IDR application is complete, the time that I have paid from my loans for the last 12 years will be taken into consideration, I dont believe this is even possible.

6. Nelnet continues to lie and say that there is no action needed from me at this time all the while, they are assuring me that my IDR application is in progress and they should put me on admin forbearance until the application goes through.

7. At the same time they send me emails that say my payments that arent under any IDR plan, are due.

8. On Nelnets website there is no record of my IDR being in progress. They acknowledge it, and I did submit it. I verified This on the government website.
Product: Credit card or prepaid card

I ordered XXXX jerseys from an online store that are clearly counterfeit. I have provided the proofs of such counterfeiting to Chase ( see attached documents ), but they are requiring me to get a letter from XXXX stating that the jerseys are not authentic. I have attempted to get information on the authenticity of the jerseys from XXXX, but they indicated over chat that the only way to guarantee the authenticity of the jerseys is by buying from their authorized resellers. I don't see the reasons why XXXX would want to write a letter stating the jersey is authentic or not. Moreover, I have attempted to return the jerseys to the online merchant, but they have ignored my communications. Chase is making it extremely difficult to protect my rights as a consumer, asking me to provide proofs that are very difficult to obtain in a case in which I have provided plenty of evidence the jerseys are counterfeit.
Product: Credit card or prepaid card

I have been getting the checks that are for balance transfers in the mail roughly every other month since I opened the card. 

I have called four times to have these checks canceled. Each time I am assured they will be canceled and yet I still receive them.
Product: Checking or savings account

I went to cash a check. I was informed that my account was closed and could not be reopened. The banker at the bank stated he had never heard of this before. So he called and the informed him and myself that the cut ties and there will be no reason give because they have that right. He asked fir a supervisor and they stated the same and told him to cash me out my balance. This happened on XXXX/XXXX/2017. I need assistance please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXXXXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXXXXXX Balance : {$65.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/scrub>XXXX XXXX XXXX I requested a dispute investigation into the item associated with Ability Recovery Services, as I believed it was not being reported accurately. On XX/XX/XXXX, I received a partial response from XXXX, stating that this account was deemed accurate. 

However, I am requesting additional information regarding the methods used to verify this account and the documentation supporting its accuracy. 

Please answer the following questions : 1. What certified documents were reviewed to conclude your investigation?

2. Please provide a complete copy of all the information transmitted to the data furnisher as part of the investigation, as required by the Fair Credit Reporting Act ( FCRA ). This should include : Who did you speak with? 

What was the date of the communication? 

How long was the conversation? 

What was their position? 

What number did you call? 

What is the name of the employee that spoke directly to the creditor? 

What is the position of your employee who spoke to the creditor? 


XXXX. Additionally, please provide all documents containing my signature that demonstrate any obligation to owe Ability Recovery Services the amount of {$1500.00}, opened oXXXX XXXX XXXX XXXXXX/XX/year>. This should include any original agreements, contracts, or acknowledgments that bear my signature and substantiate this debt. As per the FCRA, Section 611 ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation and provide supporting evidence. If no such signed documentation exists, I request that this item be deleted from my credit report with all credit bureaus, as unverified debts can not be reported. 



Please reply within 15 days to the above questions or delete the item. I have a legal right to an accurate credit report under the FCRA.
Product: Credit card or prepaid card

On XX/XX/2021 money was taken from my account. I reported this illegal activity to my Bank of American the following day when I saw that this activity had taken place. I realize that my Bank of America debit card was missing from my wallet. I provide Bank of American a written statement about this incident and even provided a police report. Bank of American refused to reimburse me for the XXXX dollars that were taken from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is being sent by me, not a third party. My proof of identity, and address are attached. On XX/XX/2020 I sent a certified letter with return receipt to XXXX. They have sent the return receipt back but as consumer ignored the requested of proof. I have attached along with this statement the letter I sent. I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by law to verify through the phyiscal verification of the original signed consumer contract. Under FCRA I requested verifiable proof that they had on file of ( an original Consumer Contract with my signature on it ). Because of there failure to do so by law under the FCRA, unverified accounts must be removed and if unable to provide me a copy of verifiable proof, they must remove the items of the accounts I listed : 1 ) XXXX XXXX ( 2 accounts ) : sitll on my credit report supposed be deleted 2 ) XXXX. XXXX XXXX XXXX : still on my credit report supposed be deleted 3 ) XXXX XXXX : still on my credit report supposed be deleted 4 ) XXXX XXXX XXXX  : was deleted 5 ) XXXX XXXX XXXX : still on credit report suppose be deleted There failure to positively verify these accounts has hurt my ability to obtain getting a house and other credit. As actived military solider serving my country this has cause me and my family much sadness. None, of the credit agencies, creditors and collection companies have given me proof of what I requested in writing. So, by law these items should have been deleted if this proof wasn't given.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account XXXX  XXXX XXXX XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of XXXX XXXX. This Account is is Inaccurate And Has To Be Removed
Product: Payday loan, title loan, personal loan, or advance loan

My company has XXXX equipment loans from Commercial Credit Group. The loan company has cross collateralized our equipment and charging and adding fees from nowhere and are not trying to give us the information we need for property taxes and to identify where some of the money from the loan went. The lender have given us numerous buyout amounts that the dollar amounts keep changing in the same day. Falsely noted we were XXXX  months behind when we know that was not. I have a XXXX discrepancy that they will not discuss and send over statements that make no sense and has a loan number on the payments that is not part of any of our loans.. We sent a certified letter out as it states to do in the contract if there is any accounting questions or discrepancies. We also emailed these concerns and was told to send an outrageous amount of money or they will repo our machines. 

We did not pay the amount for it was no where near the amount due and they have no started taking our machines without proper due diligence.