23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This is the second complaint I have filed about Wells Fargo 's online banking system. I use Wells Fargo only to pay my private student loans. Their online system will not allow you to schedule a payment for a future date. I believe this system was created with the intention of keeping people in debt for longer than necessary. No other online banking or loan system that I use prohibits customers from scheduling payments in advance. 

The last time I complained, my online account - which again, I only use to pay my student loans - showed a record of someone applying to refinance a mortgage online via my name. I did not do this. I called and asked for more information about how to protect myself from fraud, but was told to just change my online user name. Their fraud department did not take this seriously and said they could not see the transaction on their end. I am still fearful that my account has been used for fraudulent purposes.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill legal obligation under the fair act credit reporting act ( FACRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverified accounts unresolved. The consumer financial protection Bereau has recently filed a lawsuit against experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts, as experians inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

money was sent via XXXX  to the wrong person and they would not get it back
Product: Money transfer, virtual currency, or money service

My wife and I bought a number of Western Union Money Orders at several different retailers including XXXX XXXX and XXXX in XXXX XXXX, SC between XX/XX/XXXX and XX/XX/XXXX. We paid for them with our debit cards. We received the money orders and receipts for payment. We deposited them via mobile deposit into two separate bank accounts. Several days later they started getting returned with the message stop payment or altered/fictious. Western Union told us that the store had put a stop payment on the money order. When we called the store they said they did not, and didnt think they had the ability to do that. 
While weve had over 40 money orders returned unpaid, here is a very specific example : On XX/XX/XXXX, we purchased {$2900.00} of money orders from XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, SC. We were given five {$500.00} money orders and a {$490.00} money order. The {$490.00} money order was deposited online and then returned by the bank. We called Western Union and provided the money order number and amount. They told us that {$490.00} was the incorrect amount. We asked if it was {$500.00} and they said yes. We told them we were looking at the money order and it clearly was for {$490.00}. They said we needed to go back to the store to get it straightened out. We spoke to XXXX, a customer service manager, and XXXX, the regional manager at XXXX XXXX in XXXX XXXX. XXXX ran the Western Union report and all of the money orders and amounts lined up correctly. Weve contacted Western Union call center customer service multiple times. All theyve been able to tell us is go back to the store and we cant help you, go back to the store. 
I believe that a technical glitch, possibly with the Western Union positive pay file to their bank, is causing this issue. I need to speak to someone who can get to the bottom of this issue. Customer Service at Western Union is not equipped to handle this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, have 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 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: 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 3 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 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 removed my work phone number from the Navient website about one month ago. Someone at Navient placed my work phone number back on the website and they called me at work.
Product: Mortgage

My mortgage note was recently tranferred from XXXX mortgage servicing company to another. It was with XXXX XXXX XXXX, but as of this month it is now with Shellpoint Mortgage Servicing. I have an interest only loan based on XXXX rates. The rate for my last payment to XXXX was XXXX. My payment was XXXX. My mortgage is {$250000.00}. That has been pretty consistent for the past couple years. My current rate under Shellpoint is XXXX, yet they debited {$1800.00} from my checking account for XXXX, approximately {$1000.00} more than what should have been debited. I canceled the automatic debit and contacted their servicing department. They had absolutely no explanation why they were debiting {$1800.00} from my account and why the same was scheduled for XXXX. I asked several times to speak to a manager. They could n't give me anyone to talk to. I was put into voicemail. I tried calling again the next day and had the exact same results. I am currently trying to refinance with a local bank, but I feel that {$1000.00} was stolen from my account by Shellpoint and that they had every intention to do it again in XXXX. I need help getting back the money they stole from me for XXXX. I 'm at a loss right now as to what I should do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 unauthorized inquires reporting to my XX/XX/XXXX report. These are lenders that I did NOT submit a request for any lines of credit. The lenders are Navy Federal Credit Union and XX/XX/XXXX I contacted XX/XX/XXXX on XX/XX/2021 in regards to this matter and was told to contact the creditor/lender directly to verify. Each lender has informed me that no accounts exist or lines of credit have been issued under my social however, there was an application submitted that resulted in the inquiry. XX/XX/XXXXis not working proactively to resolve this matter even with the lenders confirming that I have no active accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting of misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Product: Credit card or prepaid card

On XXXX of XXXX  I filed a dispute for a charge for a service I never received /item never received and submitted all required documents in timely matter when requested and investigation has taken over 6 months which breaks the prepaid card rule and i was never updated every time I called and was told I would have a resolution by the end of day each time I called and no one contacted me and they said I didnt need to do anything else. This is predatory abuse of consumer.
Product: Money transfer, virtual currency, or money service

XXXX XXXX- XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. All these transactions occurred on the same date XX/XX/XXXX. I contacted Cashapp several times through their app and they refused to refund the money that was taken from both of my accounts due to the scam. I contacted XXXX regarding both of my checking accounts that were connected to my XXXX cashapp accounts and they refused to refund the money that was stolen due to the scam. I was told since they were my accounts and I've done transactions in the past they denied my request despite how I told them the process that the scammer used to get into my accounts.
Product: Debt collection

Oxygen XL debt collector y trying to collect a debt that I supposedly owe to XXXX XXXX XXXX XXXX. 
I parked In XXXX XXXX XXXX. On XXXX  the pay booth was not functional, it was off..therefore I went half a block down to the next pay booth and purchased my parking at XXXXXXXX  and paid until XXXX XXXX 
When i returned to my vehicle i had a parking ticket that was given on XX/XX/ at XXXX for {$45.00}. 
I sent the company proof of receipts and they tell me that the parking charge was legally issued and that I had XXXX days to pay or request an appeal..told me that I paid in a booth that belongs to another parking company? ..when it is the same XXXX XXXX XXXX XXXX.. I requested an appeal and again was denied..supposed to pay {$85.00} now.. was contacted by Oxygen XL debt collector and I again disputed the charges and sent them my receipts.. again was told that I needed to pay but were willing to settled for like {$52.00} or something like that, which I of course refuse to pay .. now I'm threatened to ruin my credit and boot or tow my vehicle. This is fraud and there are hundreds if not thousands of complains against this company taking advantage of customers..How can the state allow this to happen? Where are my rights? I am XXXX XXXX XXXXXXXX veteran too..have some respect.
Product: Credit card or prepaid card

In the past, I had subscribed to the local news paper. I cancelled this subscription in writing, via email, pursuant to the requirements laid out in the card holder agreement in early XX/XX/XXXX but the merchant never stopped charging my Citi Bank credit card every month. 

I've filed disputes each month, have called the bank over 10x, and provided the emails I sent the merchant to cancel at least 15x via email to the bank. There are now 6 disputed transactions ( XXXX through XX/XX/XXXX ), and 3 have been resolved in my favor, but the bank somehow found against me- in conflict with the facts proven by my supporting documentation AND 3 other findings in absolutely identical situations on one of the other months and are STILL investigating 2 others. 

On the XXXX, XXXX, and XXXX charges that I'm disputing from this merchant for cancelled services, Citi has closed the disputes, and refunded the money. Somehow for XXXX, they found in favor of the merchant ( in contradiction of their findings in the other months which contained the exact same facts ) and they are still somehow investigating XXXX ( by have closed XXXX? Makes no sense ) and now XXXX as of another charge that Citi let go through, which I disputed today. 

I've called 2x to have a new card issued as well, and was told it " was not necessary. '' Please help! I'm tired of doing everything I'm suppose to do in this situation and the bank refusing to process the identical disputes properly, apply credits, stop the merchant from making the charges, and reissue the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX the consumer, sent TRANSUNION, XXXX, and XXXX ( The CRAs ) certified mail informing them that XXXX a victim of identity theft. In that correspondence I made notice that the CRAs have 4 days upon receipt to block all information inside my identity theft report ; pursuant to 15 USC 1681c-2 ( see attached file ). The CRAs are in violation of 15 USC 1681 for failing their grave responsibility of reporting with fairness, accuracy, impartiality, and violating my right to privacy. All of the items inside my identity theft report are unauthorized, unvalidated, And being fictitiously reported. As stated, I am a victim of identity theft and will not be sending any non public information to an elaborate mechanism. I will attach my proof of identity, statement of identity, along with my proof address Via CFPB ( see attached file ). Inside my correspondence I made The CRAs aware of my disapproval of generic responses or E-Oscar. I dont consent to any computer generated responses or correspondence outside of the first person. My FTC report, Proof of Identity, Statement of Identity, Proof of Address, Last 4 of Social, as well as clear specification of the fraudulent accounts, stands as enough identification to prevent stalling tactics and non compliance. This is an Urgent Matter ; the false misleading reporting is hurting my ability to obtain credit. ( For this complaint The CRAs or the Credit Reporting Agencies XXXX XXXX XXXX XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding a credit bureau named in the company section of this complaint. I am reporting this credit bureau because they are listing a public record that they got from a third-party data broker such as companies like XXXX XXXX XXXX XXXX has recently moved that public record per my request per the FCRA guidelines. So I am also asking that you demand that this credit reporting agency quickly do the same otherwise that will be grounds for a lawsuit for them not following The law. I have requested such information such as this public record for the bankruptcy to be removed and they have refused to do so so Im petitioning you to demand that they do it now that the data broker XXXX has removed it from their database. If after you demand that they do it and they dont do it that will be grounds for a lawsuit for not following the law.
Product: Money transfer, virtual currency, or money service

I am filing a complaint because money was taken from my account and I dont understand how
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 15 U.S.C 1681 602 A. states I have the right to privacy.

15 U.S.C 1681 602 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 1681 s-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: Credit card or prepaid card

I applied for a credit card at Best Buy when I purchased my cellphone. I got offered the card by the agent and he told me several times that it has a couple of months of interest deferment plus a 10 % reward. Due to this I applied for the card and got approved for it. When I received the card it didnt show the interest rate, or any information regarding the deferment, so I went online to look for it. The website didnt work well, neither the app. It took me a long time to find out where the interest rate was, and didnt find information about the deferment. I sent a couple of emails and never got accurate information. Today, I called the customer service department and got told I selected to get just the 10 % reward, because the offer was either or, not both ( different from what I got told at the store ). The agent just apologized for the misunderstanding and told me theres nothing I can do. After arguing for some minutes, he told me I could go to the store ( which I cant do as Im in quarantine ) or try to call to see if theres a way to contact that specific store so they could maybe do the change. I need to mention that I already used my rewards and I was not aware I was already paying interest on my purchase. This is fake advertisement and all the agents gives confusing information that makes it harder to understand. Today, when I asked about my interest rate, the agent told me 3 different rates, both of the times that I asked. I believe these are predatory practices that hurts consumers and should be prohibited
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1692c ( c ) Account : XXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, Account Name : XXXX Acct XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. All of these accounts has violated my rights. Section 1692c ( c ) states that a debt collector must stop contacting the consumer if the consumer askes them in writing to cease all contact. If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me a email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I did a consumer credit transaction with XXXX by XXXX XXXX. The total amount of the transaction was for {$14000.00}. In XXXX of 2017 i received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( B ) ( d ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer reports. The credit card is my social security card and is what I used to originate this transaction. XXXX XXXX is in violation of 15 USC 1605 ( a ). I was charged an additional {$14000.00}. As per the installment loan agreement the only payment that should have been calculated was the finance charge of {$11000.00}. The finance charge is the sum of all charges. XXXX XXXX failed to process this transaction appropriately and is in violation of 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) and is required by law to pay twice the amount of the finance charge ( {$23000.00} ).
Product: Credit reporting or other personal consumer reports

Equifax is still reporting blatant errors on my credit report. 

I disputed XXXX XXXX XXXX XXXXXXXX account. Equifax said the account was not on my report. It is still on my report. 

I disputed 2 XXXX XXXX XXXX accounts, and a XXXX XXXX XXXX account. 
Equifax reported all 3 as closed accounts. They are all 3 inaccurate collections. 

I disputed XXXXXXXX XXXX. Equifax has the account closed as XX/XX/XXXX. The account has incorrect payment history. The account has a reported payment of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 received a statement from the hospital on XX/XX/2020 showing a balance due of {$480.00} and sent them a letter on XX/XX/2020 asking them to validate the debt and requesting an understandable itemized list of charges and documentation that I agreed to these charges. I continued to receive multiple requests for payments and responded to each request in a timely way but they continue to ask for payment including phone calls that I have asked them to stop. The most recent communications seems to come from a debt collector firm called NPAS instead of the hospital.
Product: Credit card or prepaid card

I have a card with Care Credit. I have been trying to get 2 remaining balances zeroed out for a year. I made a payment & a few days later I called & spoke with an agent. The agent assured me the balance would fall off my account in 1-2 billing cycles-it hasnt. Each time I call, an agent tells me the 2 balances I have are off my account, but they cant be because theyre still there when I login in to the app to check. I have provided a screenshot of the two balances that I am referring to. The balances have since gone up since the photo was taken. I know these balances are still there because Im still getting charged interest. I am being lied to each time I call. I think theyre lying to me so I keep getting charged interest.