23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I Was told thatr I will be getting a credit line increased by XX/XX/XXXX to XXXX and I didn't received it from capitol One and I was told from the higher dept that I have to wait until XX/XX/XXXX for credit line increased and I'm getting few different answers that I have to wait on the XX/XX/XXXX and XX/XX/XXXX ... and I have made my payments on time since XX/XX/XXXX ... I'm so confused of when I will get my credit line increased and no one isn't giving me a accurate answer ... .. And second Complaint is that I have a hold on my account in the amount of XXXX from XXXX XXXX service fee and I was charged twice and I spoke to capitol one about this problem and spoke to higher supervior and they call XXXX on three way twice and at the end of the call I didn't get my second transaction fall off in the amount of XXXX and was told to wait 5 days and its been 5 days
Product: Credit reporting or other personal consumer reports

Another lie from this predatory company STILL WORKING ON THE ISSUE WHICH REALLY MEANS THEY ARE NOT WORKING ON ANYTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my home XXXX/XXXX/XXXX. Bank of America Home Loans reported that my account was 90 days past due. Due to hurricane Irma Bank of America put me into a temporary 3 month forbearance which allowed me not to make payments from XXXX. 
The payments were not to resume until XXXX XXXX however my home was sold by then. I spoke to Bank of America, XXXX, XXXX and XXXX regarding this matter and none of them have resolved this issue. I am trying to purchase another home and this is making that process impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

-- -INQUIRIES -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On or about XX/XX/XXXX I pulled a copy of my Credit Report to find an erroneous posting by HELVEY & ASSOCIATES located at : XXXX XXXX XXXX XXXX XXXX, IN XXXX  where they claimed I owed them {$180.00}.

OnXX/XX/XXXX I sent HELVEY & ASSOCIATES a Certified Letter disputing their claim. HELVEY & ASSOCIATES either failed or refused to respond to my letter which is a direct violation of the FDCPA and the FCRA.

On XX/XX/XXXX I sent a follow-up letter via Certified Mail to HELVEY & ASSOCIATES warning them of their violation and my intention to file suit to correct the issue.

On or about XX/XX/XXXX I received a letter from HELVEY & ASSOCIATES stating that the account in question had been canceled and that it would be removed from my credit reports ( see enclosed letter ).

To date, the removal of this erroneous account from my Credit Bureaus as stated in their letter has not happened.

I am filing this complaint in order to exhaust my administrative remedies prior to filing a lawsuit against HELVEY & ASSOCIATES.

Thank you for your prompt attention to this matter.

Very Truly Yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report.Please remove these accounts from my credit report, they are hurting my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

PayPal close my account for no reason and will not help me with getting it back up and going I am not sure if this is some mistake as I assume it has to be I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and its affecting me a great deal as I used PayPal quite frequently my email linked to my PayPal is XXXX XXXX
Product: Bank account or service

Another discrimination case proving Wells Fargo XXXX is Highly Opposed to People on Fixed Incomes who are also XXXX. I logged on to wells fargo.com whereby my husband wrote a secure email REQUESTING A REPLACEMENT Check/Debit CArd because his strip does not work and card is physically cracked. The wf c/s rep.did not read correctly the message so she ordered me a NEW card in ERROR. I tried writing to this rep to explain her error, but she still did not understand. How sad. Then a different rep contacted me telling me my husband had to request the card himself. I wrote back and told him, MY HUSBAND did request it himself ; he would understand that if he read it English. Then he tried to tell me my husband has to submit the request by logginin online himself. In our house we all use same email, and same login for wells fargo for allof our accounts. So Sorry if he does not like the way we handle things, but that 's how we choose to do business, and we have NEVER been told we could not do things this way. 
See documentation of back and forth communication via secure online email. The last emails I do not have a copy of but wells fargo XXXX does. Finally we got a change to stop by the local Wells Fargo bank at XXXX mall to have him in person request it. XXXX XXXX waited on us and she checked online notes in system, NO ONE EVER ORDEREDhis replacement check/debit card. So gave him a temp card, plus ordered replacement. When my new check card arrived XXXX ) which was ordered in ERROR, my ATM w/d limit is {$510.00} and my daily pos limit is only {$1500.00}. When XXXX check/debit card finally arrived XXXX the ATM w/d limit is {$310.00} and HIS daily XXXX limit is {$2500.00}. Wow our account together barely gets used for {$300.00} per month. Yet my checking account which ends in XXXX is seeing transactions per month in excess of {$2000.00}!! So why is my POS daily limit so low and ours together is so much higher???? More discrimination proof. See my other Auto Refinance Loan Case Currently OPEN with Consumer Protection Bureau. see attached documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Vehicle loan or lease

When my vehicle was purchased it was explained we had a 10 day grace period to make a payment. I do not receive a monthly statement and even the online portal shows nothing about payments or fees. However, after a lot of searching found out the company has no grace period and we have been charged an unspecified amount in late fees. I have XXXX clue how much of my balance is even fees due to a lack of statements.
Product: Credit card or prepaid card

Last month, I set up my capital one Venture credit card payment from our existing capital one accounts. The payment was sent on time and hit the credit card account on time. Several days later, I was informed the payment was returned and I was hit with a late fee. I paid the account the same day I was told the payment was returned. After spending more than an HOUR being transferred from department to department to find out what happened, I was informed that the account was savings only and could not be used to make an internal payment. If that is the case, why would you make the option to pay with that account available? AND, Capital 1 reps tried to blame me! Any non-valid account should be grayed out for use as it is everywhere else. After this hour of time, the representative did reverse my late fee and agreed that no other changes would hit my account. Yet I have a {$70.00} interest change on my account and just spent the last 45 minutes on the phone with XXXX from Florida who refused to look at the notes from my last customer service call and refused to adhere to what I was told on my XXXX customer service call which was that I would not see any more fees on my account. His bad attitude was remarkable and I am shocked that I would be treated with such hostility. I can not fathom being blamed for your own back-end, technical mishaps that put me in this position in the first place. It is also not my job to point out the companies own short comings only to be penalized. 

Now, on my next bill, I have an interested charge even though I did pay my bill in full. I should NOT have an interest change when my bill has been paid in full. Please refund the {$70.00} and the {$12.00} in interest charges. I would also like a call back from a representative to fully explain what is going on and why my recorded line call has not been revisited.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, just after XXXX XXXX, XXXX XXXX contacted me by phone saying that my account information was different than before and that I had applied for a credit card through XXXX XXXX. The most recent bill on the use of this credit card had not been paid and needed to be paid by me and would have to be reported to the court if not paid. After confirming that the account was in my name but that I did not own the account, I was advised to file a report with the location of the XXXX credit card ( XXXX, XXXX XXXX ). During the reporting process, the XXXX police said that I was in possession of the stolen money from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a month later, and then eventually handed me over to the prosecutor and submitted my personal funds to be inventoried. I sent a message to the prosecutor on the evening of XX/XX/XXXX ( US time ) stating that our family could only provide {$150000.00} and he said he understood and would negotiate with me for the remainder. My parents transferred the money to me on XX/XX/XXXX XXXX time and XXXX XXXX XXXX asked me to send him a screenshot of the amount in my account and said he would record it for me. On XX/XX/XXXX and XXXX, I was asked to submit the amounts. He also asked me to take pictures of the documents after submitting them to him. He also told me to report to him if the bank called to confirm and the amount was transferred. XXXX XXXX XXXX said the one submitted on XX/XX/XXXX arrived on XX/XX/XXXX US time, and the one submitted on XX/XX/XXXX informed me on XX/XX/XXXX that it arrived. On the morning of XX/XX/XXXX U.S. time, XXXX XXXX XXXX sent a message to me saying that after their meeting they said that I needed another {$50000.00} for my review funds. After I explained to my family, they transferred the money to me on XX/XX/XXXX and the submission was made on the same day, also to a different XXXX XXXX account. In the early morning hours of XX/XX/XXXX, the same day, XXXX XXXX XXXX changed to a new XXXX account to contact me. In the early morning hours of XX/XX/XXXX US time, XXXX XXXX XXXX sent me a message and said the funds had arrived. During this time or daily reports until XX/XX/XXXX, the XXXX XXXX XXXX said he would meet today and asked me to restore my phone to factory settings and to re-register my apple id. He then gave me a code word and told me that a special agent would contact me in about 10 days for the funds to be returned. He would contact me again after the funds were returned and his account would be sent for testing and reported suspended. Until today ( XX/XX/XXXX ), no one has contacted me.
Product: Checking or savings account

XX/XX/year> $ XXXX Zelle XXXX Company indicated they could not stop the transaction and unfortunately nothing could be done
Product: Debt collection

I am being brought to court for a debt that has been paid and removed from my credit report 6 months ago. Just last week I got a summons to appear in court to pay a debt that has already been satisfied. Now my credit score is down. How is this legal? If I do n't go to court the law will favor the collection agency and garnish my wages. Yet I 've already paid this debt, and have proof of payment
Product: Credit reporting or other personal consumer reports

THIS IS NOT MY ACCOUNT, I HAVE NO KNOWLEDGE OF THIS ACCOUNT XXXX XXXX XXXX '' XXXX XXXX XXXX DISCHARGE XXXXXXXX XXXX XXXX XXXX DISMISSED XXXX XXXX XXXX XXXX DISCHARGED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX Account # ( Original Creditor ) XXXX Account # ( Original Creditor ) XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX Account # XXXX  XXXX Account # XXXX XXXXXXXX Account # XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. The alleged obligation must be referred to the United States for collection of said obligation [ per 18 USC 8 ], not to me. 2. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 3. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes with credit bureaus XX/XX/2017 Received REFUND check for overpayment from XXXX BUT account was sold to Diversified Consultants {$650.00} listed on credit bureaus Diversified offer the settle and delete when debt was NEVER ACTUALLY OWED! Refund check was proof. 
Settled but debt still remains on credit report and is inaccurate and should be deleted. Pursuant to the fair credit act 609, no signed contract was ever provided
Product: Money transfer, virtual currency, or money service

Starting on XX/XX/2022, I received a call from Wellsfargo customer service number as it showed up on my caller ID, I spoke with the representative who informed me of a suspicious EFT that was initiated and wanted to confirm if it was me and if I knew the person it was going to. I said that I Do Not authorize that transfer and have no idea who that person is. 
They informed me that they would start an investigation on it and verified me through the Wellsfargo text message ( as usual ). They went on to say they would call me with an update the next day. They called me on the XX/XX/XXXX and advices that one of my XXXX  devices ( phone or laptop ) appears to have been hacked and that I should NOT log into my online bank account while there investigation is continuing. 
Monday XX/XX/XXXX, they call me back with another update. After verifying me they inform me that a few more EFTs were initiated and asked if I had authorized them. I said absolutely NOT. They suggested I should schedule an appt to go into the branch to close out my account and open a new one. They offered to help coordinate the appt for the next day Tuesday afternoon at XXXX. 
Tuesday XX/XX/XXXX, I receive a call in the morning from them again, after they verify me, they inform me that the banker who was scheduled to meet with me called out sick and we would need to reschedule to the following day. So we scheduled it again. 
Wednesday XX/XX/XXXX at XXXX, I arrive to my local branch for my appt to find out that nothing was on the calendar. Once I was informed of this information I immediately contact the Wellsfargo fraud department to verify if they have any notes on my account. They did Not. 
This whole time I was speaking with scammers impersonating Wellsfargo, while at the same time calling Wellsfargo and impersonating me. The whole time I was being asked to verify myself it was the scammers who were having WF sending me the verification code so they could repeat it back to WF. At no point did I authorize any of the 4 EFTs that were taken out of my bank account, totaling in the amount of {$75000.00}. 
According to research, this should fall under the category of a Regulation E claim, but Wellsfargo is claiming because it was a domestic transfer that it would not qualify. 

So far, out of the {$75000.00} loss Wellsfargo was able to retrieve {$16000.00}. They claim {$23000.00} is for sure gone and the remaining missing balance might only result in a partial payment. 
Given the sophistication of this scam of impersonation and lack there of on the part of Wellsfargo for properly authenticating me. I believe that I should be refunded in full on all my losses within the specific timeframe. As a consumer I would think there would be liability protection for any fraudulent activity in which I did not initiate nor did I give any verbal authorization for.