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

I was offered part time XXXX XXXX XXXX at XXXX XXXX. This offer came from XXXX. I send my resume and they offered me job and in that offer letter, it was clearly written that they will send me cashier check and I have to purchase equipment to perform this job. I XXXX company and recruiter too. everything looked ok. then I received cashier check of {$2900.00}, I waited when bank said fund available then only I transferred money to buyer who was supposed to send me equipment 's. Once I transferred later like 2-3 hours, bank took that cashier check amount and I call bank stating that and I asked them to stop money. this was done via XXXX of Bank of America. They saw money was going to XXXX XXXX. but they could not do anything stating that let the transaction be completed then call then. I asked that rep at least file my complain, and he did same day. I called XXXX XXXX too they said they could not do anything until they received complain from BOA. 
I keep calling BOA to get update they keep saying their standard processing time for complain like this is 10 days. they send me letter stating that BOA is not responsible for the transfer and they are not liable for any part of money I lost because it not their problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

So XXXX/EQ both reported that they verified a bankruptcy on my credit report using XXXX. I am trying to figure out how they both verified this information as accurate when XXXX has removed such information from their report for inaccurate reporting. I ask that both credit bureaus provide a proper method of verification or remove the information from my credit report immediately.
Product: Credit reporting or other personal consumer reports

You are reporting incorrect information for the account XXXX XXXX XXXX. Experian is reporting that I was late on this account 19 times, while XXXX is reporting 8 late payments. XXXX reports that this account was paid off. How is this accurate reporting. XXXX XXXX informed me that they submitted a request to update the tradeline on XXXX XXXX so why is this incorrect information still reporting? This is a violation of the FCRA and if this account is not removed due to inaccurate reporting, I will be taking legal action against your company. Please see the attached response letter from XXXX XXXX and the credit report showing the inaccurate reporting. The data being furnished on my credit report is not credible and therefore has to be removed immediately.
Product: Credit card or prepaid card

My XXXX VISA card was previously with XXXX XXXX XXXX where I had a 10 year perfect payment record. The account was transferred on XX/XX/XXXX to Comenity Capital Bank. Since the transfer, my payments were never posted on a timely basis and always just past the due date and incurred late fees. Payments were made through XXXX XXXX so the date of the payments is verifiable. One check was " lost '' and I was instructed to stop payment and reissue. The check was deposited the following day and I was charged a return check fee of {$28.00}. The replacement check for {$6000.00} was sent via certified mail on XX/XX/XXXX. The USPS confirmed it was picked up on XX/XX/XXXX. It was not posted to my account until 12 work days later on XX/XX/XXXX, one day after the due date incurring more interest. 
The total late fees, returned check charges and interest as a result of Comenity Capital Bank delaying the payments is {$300.00}. In addition, the cash back amount I earned of {$260.00} is not available for me. 
Please see the attached letter to the FDIC for additional details.
Product: Debt collection

On XX/XX/XXXX XXXX my debit card was stolen. Once I noticed my debit card missing I call the bank to cancel my card. XXXX XXXX told me to file a police report which I did on XXXX. I have file a fraud claim to dispute for the charges, on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX they have denied all my claim. I have sent them all the information they have requested and still DENIED. XXXX XXXX has closed my account and send me to collections. I just received another letter today. When I call the collection office refer me back to XXXX XXXX.XXXX have denied my claim even after sending them a police report. Its discrimination, Belittling, just plain harassment and gender profiling.
Product: Checking or savings account

ON XX/XX/20 I FILED A DISPUTE WITH WELLS FARGO ON XX/XX/20 WELLS FARGO FAILED TO ADEQUATELY INVESTIGATE THE FRAUD CLAIM IN THE AMOUNT OF {$2800.00} INSTEAD THEY CLOSED MY ACCOUNT UNDER THE PRETEXT OF A BUSINESS DECISION. I AM NOW LEFT WITHOUT MY MONEY BECAUSE WELLS FARGO DOES NOT WANT TO ABSORB THE COST OF THE FRAUDULENT CHARGE OR PROPERLY INVESTIGATE SO THEY IMPROPERLY CLOSED ME OUT. THIS WILL HURT MY CREDIT AND NEGATIVELY IMPACT MY RELATIONSHIP WITH OTHER BANKING INSTITUTES. I HAVE BEEN UP ALL HOURS OF THE NIGHT TRYING TO FIGHT THIS BATTLE WITH THEM. ONLY FOR THEM TO HANG UP ON ME AND TELL ME TO TAKE IT AS A LOST BECAUSE WELLS FARGO DOES NOT RE-INVESTIGATE. EVEN AFTER I EXPRESSED TO THEM THE REP THAT TOOK THE DISPUTE DID NOT WORD THE DISPUTE HOW I EXPLAINED TO HER. I REQUESTED FOR THEM TO GO BACK TO CALL AND LISTEN TO THE RECORDING THEY REFUSE TO TELLING ME THAT NOT ALL CALLS ARE BEING RECORDED. THE REP PUT FOR THE REASON " I DID NOT REMEMBER MAKING THE CHARGES '' WHICH IS INCORRECT SHE WAS VERY DISRESPECTFUL AND WANTED TO BLAME ME FOR THE FRAUD BECAUSE MY PIN WAS THE LAST 4 DIGITS OF MY SOCIAL SECURITY NUMBER. WHILE SHE WAS TAKING THE DISPUTE I REQUESTED TO SPEAK TO ANOTHER REP AND SHE DECLINED. I TOLD HER THAT I HAD LOST THE CARD OR IT WAS STOLEN. I ASKED THE PEOPLE I WAS AROUND AND THEY DENIED USING OR HAVING POSSESSION OF MY CARD. SHE ASKED IF IT COULD BE ONE OF THEM I TOLD HER I AM NOT SURE I HAVE NO PROOF. WELLS FARGO HAD SENT ME A VERIFICATION FOR THE CHARGE AND I REPLIED BACK " NO '' AND THEY STILL PROCESSED THE CHARGE. THIS IS THE SECOND TIME THIS BANK HAS CLOSED AN ACCOUNT FOR ME ONLY TO WRITE ME 4 YEARS LATER AND TELL ME IT WAS A MISTAKE AN NO ERROR/FRAUD WAS FOUND ON THE ACCOUNT AND I COULD OPEN THE ACCOUNT BACK UP. I HAVE CALLED, EMAILED, AND REACHED OUT VIA SOCIAL MEDIA WITH NO LUCK. I HAVE ATTACHED THE DISPUTES AND ALSO ATTACHED A LETTER THEY SENT ME REGARDING A PREVIOUS ACCOUNT I HAD WITH THEM THAT THEY CLOSED ONLY TO WRITE ME YEARS LATER TELLING ME THEY WERE WRONG AND SORRY FOR THE INCONVENIENCE. ITS NOT FAIR THESE BANK ARE SCAMMING INNOCENT AMERICANS AND GOING AGAINST BANKING PRACTICES.
Product: Credit reporting

I have a bankruptcy filing that was dismissed, within two weeks. I never had a discharge and it was my choice not to proceed. I have requested numerous times to have the dismissed bankruptcy removed, as it is reported as a bankruptcy to potential creditors. It is false and misleading. 

I was advised to file the bankruptcy from an attorney so I did. His advise was that it would not be reported on my credit report if it was dismissed and not discharged. 

You can see by the attached documents from potential creditors how Experian is reporting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax is reporting a Public Record Released Tax Lien XXXX I wrote them many letters along with the letter Released and withdrawal letter but this public record is still on my Equifax credit report where all other credit bureaus deleted this public record. 
Attached is the letter from IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

OnXX/XX/XXXX i refinanced my home with Flagstar bank. It is a VA loan. Right at that time the VA who i get XXXX payment from withheld multipke months of payments which caused me to become delinquent pn my loan. I started working with a rep at the company XXXX XXXX. I filled out loan modification packets, sent letters of explanation, bank statements, pay stubs etc. I have sent over 5 packets. Last XXXX they said i would be approved finally. They said my payment would go up by XXXX ( XXXX to XXXX ) my interest rate by 1 % and principle by 20k+. I questioned the rate and the rebp XXXX XXXX at this time said he would check. I never heard anything back so i called on XX/XX/XXXX. At that time XXXX said the loan mod was denied. Said the loan had to have 12 months of payments for the va to approve. I contacted XXXX XXXX at the VA who informed me that flagatar just needed to submit to VA and they would approve. Which she tried to contact the company and didnt hear back from them. I wrote an appeal letter immediately and sent the form plus another loan mod application in. Once again didnt here anythimg foe awhile. Finally when i called they said it was approved but at the higher rate and payment. They also said i haf 14 judgements in the property all in someone else 's name. They are still trying to figure that out. The housr was built in XXXX and i bought it in XXXX. There was only 1 other person that owned the home for like 6 months and that peraon was a female with a name not even close to mine. I got in touch with someone at the presidents office XXXX XXXX. He said he would look into it. He said he was going to run a title search. I asked why that would not have been done when i refinanced. Couldnt give me an answer. How could i have bought the hime and refinanced twice and this issue hasnt come up. I have NO judgements against me. I did not have a problem paying my mortgage before. Thr VA is now paying my full XXXX % XXXX payment. I talked to XXXX XXXX again a week ago. He said he wouldnt do anythi g about the rate. He tried to blame the va for my increased interest rate. When i asked why it has taken months to process my loan modification he said that i hadnt turned in complete packets. 2 outright lies. That is what is so upettting is that they have delayed ao long it is impossible to pay the delinquent payments. I was told when i started my payments would ramp up when approved. None of which is happening. I feel they have delayed the process so long and to increase my paymwnt right off the bat with less than a month to pay is rediculous. They are making money off of this misfortune. I have sent them EVERYTHING they have asked for. I have been in constant contact with XXXX XXXX ( XXXX ). I have emailed all of my packets, letters, bank statements, pay stubs so i have all the documentation.
Product: Money transfer, virtual currency, or money service

I began talking to someone by the name of XXXX XXXX XX/XX/2022 online. I met him on the dating website XXXX. During our conversation he introduced me to short term investing and convinced me to also invest in an effort to make money. XXXX walked me through step by step how to set up an account with XXXX XXXX and create an account with both XXXX and XXXX XXXX on my cell phone to complete the investment transactions. XXXX constantly pressured me to invest large sums of money. I reluctantly took out a personal loan totaling {$7500.00} and invested {$7400.00} of it. I invested an additional {$3000.00} of my own money for a total of {$10000.00}. XXXX would provide me with times to either buy or sell over XXXX XXXX and what profit range to be within when I closed out the transaction. XXXX instructed me on doing this at a minimum two to three times a week for maybe seven weeks. When I went to try and withdraw money to pay off my personal loan, I was informed by XXXX XXXX that I needed to pay taxes on my profit totaling {$7900.00}. I took out a second loan for {$6500.00} and used {$1500.00} of my own cash to pay the amount. XXXX walked me through the steps of how to pay the taxes and I was informed by XXXX XXXX customer service that my account had been flagged as abnormal and I needed to verify my account by paying an additional {$6000.00} to withdraw my money and that I would get the {$6000.00} back upon paying and verifying my account. This is when my father informed me I had been scammed and to inform the FTC. I have had minimal, if any, contact with XXXX over the past two weeks due to this. XXXX also has no idea I am reporting him to the FTC for investment fraud. XXXX informed me, when we first began talking, that he lived in XXXX XXXX, XXXXXXXX with his mother and stepfather. XXXX is allegedly currently at XXXX XXXX XXXX  XXXX in Washington D.C. being treated for COVID, but when I called the hospital and requested to speak with him, I was informed that there was no patient with the name " XXXX XXXX '' admitted. His mother is supposedly also a patient there, but I never learned her name. XXXX told me that he owned a company with a friend/business partner in Washington D.C. and he was currently trying to sell his shares so he could return to XXXX  XXXX XXXX VA and open his own company there. I failed to get the name of the company. XXXX XXXX and his mother are both originally from XXXX and XXXX said he moved to the US with his mother when he was 15 years old after she married his stepfather. XXXX told me he went to college in XXXX and for a time lived in the XXXX area before moving to XXXX  XXXX.
Product: Credit card or prepaid card

Discover Card called Mom to ask for an over the phone payment of {$5.00}. 
1. They provided her the FULL account number to her non-Discover checking account.

2. They asked her to verify information about herself. 3. They pressured her to make a payment over the phone for a 30-day balance. 

We called Discover Card the next day to ask the following. 
1. They remove her ACH Banking Information from their records.

2. They not call her to ask for payment information over the phone.

They said that they were unable to remove her personal information regarding her checking account from their records. To our knowledge, this information was never provided and Mom did not authorize ACH debits from her account.

This is further proven by the checking account in question being less than 6 months old. 
To resolve the matter and prevent further fraud, we closed the Discover Card account.
Product: Credit reporting or other personal consumer reports

As the consumer, I mailed an opt out letter to XXXX, XXXX and Trans Union on XX/XX/2024. I requested that they send me written proof of them applying my opt out request to my account. They ignored me and didn't process my request as the consumer.
Product: Student loan

I have been harassed by phone from a collection company for XXXX XXXX. This company is called Weltman, Weinberg & Reis co from XXXX XXXX Oh. Not only do they harass myself the Harrass my parents. We had no idea the loan was in default never contacted until XX/XX/2018. At which they demand full payment. I asked for options they advised undoable options. They also are suggesting to how I should pay the loan by taking on more debt with loans. The continue to call sometimes over 20 times a day. Not willing to work with me when I had no idea they were even buying my debt from XXXX.
Product: Credit reporting or other personal consumer reports

This company is reporting false information. I have sent them a cease and desist letter.
Product: Credit card

I filed a complaint, # XXXX XX/XX/XXXX. The " company '' is reviewing as of XX/XX/XXXX. I called the customer service number today, XX/XX/XXXX, and I spoke to XXXX customer service rep who informed me payments are applied to the highest XXXX on the account, then applied to the promotional balances. I informed her she was wrong. She stated she sees that on my account and asked if I would like to discuss with a manager. I was transferred to " XXXX '' and account manager over the phones. He informed me that payments are applied over the account by computer to the highest XXXX then promotional balances. He also informed me I, as the customer, have to call the company every time I make a payment and tell them how to allocate the money I am paying. I argued with him that this is not how the credit card agreement reads and as a customer for over 10 years, I have never had to call the company to tell staff how to apply the payment monies I pay. According to their credit card agreement all monies paid are to be applied to promotional balances first until paid off, then standard purchases. I told him I wanted my current payment applied correctly, which he processed as a request to my account to be handled in this manner while on the phone with me. In addition, I told him I wanted a copy of the current credit card agreement sent to me since he can't tell me when this might have changed, other than " long time ''. I also informed him the company is required by law to send a new updated credit card agreement to all customers every time they make a change. He informed me he sent the request and I will receive a copy of all requirements, agreements to me within 30 days. He also kept stating that I will have to call the company every time I make a payment and tell the customer service rep how to apply the monies. 

I have never had to tell the company to apply my payments first o promotional balances, it has been automatic because of the promotional balance rules of 6 months interest free on purchases of {$200.00} or more. 
I think the company is trying to XXXX customers out of the deal and make them miss the 6-month free interest date and cause the account to be charged for the full interest rate from the time the charge is incurred.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX 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 XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

I received a call from a XXXX XXXX on XX/XX/2022 from AA recovery solutions XXXX. He said he was looking for XXXX XXXX and that I may go by XXXX XXXX, which is incorrect. He left a voicemail and then immediately called XXXX  XXXX  my daughters ; XXXX XXXX and XXXX XXXX. He told them he was trying to reach me in regards to a debt and asked if my maiden name was XXXX, which is totally incorrect. I called him on my break while I was at work. I told him the information was incorrect and he could send anything to me in writing but to not call me or anyone else in my family. I also told him not to call my children again. I never received anything in writing from him and today XX/XX/2022, he called my daughter XXXX XXXX and left another voicemail on her cellphone in regards to reaching XXXX XXXX or she may go by XXXX XXXX in regards to a debt from AA recovery.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXXXXXX XX/XX/year> REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  {$3900.00} This auto loan was taking out in  XXXX , I paid on this car until  XXXX , this vehicle was then sold by the auto loan company to a auction, they told me I was no longer liable for the vehicle due to no longer having a contract and the vehicle was sold and this company received money for it. I also received a letter from a collection company saying I owe {$1900.00} and still trying to collect debt. This account is now closed and a charge off on my credit, however, they are reporting to all  XXXX  credit bureau 's each month updating on my credit as if im paying the account late on  XXXX  currently they just reported I was late 90 days , 34 times  and all other credit bureau 's says different amounts. I have disputed this with all  XXXX  credit bureau 's  on two occ asions, telling them I am no longer liable for this account and I have no contract with this company, I asked ach credit bureau to send me the documents validating debt, along with information showing this vehicle was sold and they received the remaining balance for, they have fail to send me any documents and will not remove this from my credit report.