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

I have recently in the month of XX/XX/2021 on the XXXX day at XXXX PM received a call from from Wells Fargo stating that there had been misappropriation of funds and that I needed to stop those funds from going in order to do so I need you to put my name into my XXXX account To reverse the transaction they requested requested that I follow through with a 4 digit authentication code And I continued to send the {$3000.00} to who I thought was myself they followed up with another {$490.00} a second authentication code I checked my balance in my account while they were on the phone and realized I'd just been taken for all the money after a few choice words to the agent I was speaking to into I immediately called my bank and repetitively called my bank every day thereafter for 2 weeks weeks I've yet to get my money back and have been told via letters that I'm not going to get my money back I am currently working with XXXX XXXX news on your side here in the XXXX area and they are assisting me or at least trying to get my money I have made reports I filled out forms I've called my bank and I've yet to get my money back I inform as many people as I can on social Media do not take calls from what you may think is your bank always hang up and call your bank your bank will never call you and tell you that funds are being misappropriated I know this now it's a {$3500.00} lesson a class I did not want to take help me
Product: Prepaid card

This is to address the issue that is still on going with Rush Card. I have been dealing with this very unfortunate situation and have since lost my Satellite TV service, my car insurance is threatened to lapse in a day, and I had to borrow XXXX to pay my cell bill that had been given a XXXX hour extension due to this outage. I do not who told the commission that this issue was fixed but I 'm here to tell you that today XXXX/XXXX/2015 @ XXXX XXXX Est. That issue is still ongoing. I hope they will compensate peole for reconnection charges that we will be charged this is the most horrific experience I have ever had to endure with any financial institution and for them to tell clients they have no idea when this issue will be resolved is ludicrous. People are being evicted, losing daily home resources such as power and telephone services this is really really bad and I hope that something is done to assure this wo n't happen again. My son sure would appreciate it after he had to miss his home coming because we could n't purchase his anything not even a haircut. I 'm very disappointed and I hope they pay for all that we had to endure.
Product: Credit reporting or other personal consumer reports

These XXXX inquiries are fraudulent and where not authorized by me XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX According to The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I need these items deleted immediately.
Product: Checking or savings account

My daughter XXXX XXXX and I XXXX XXXX have account for social security XXXXXXXX, our deposit didn't come in XXXX or XXXX. My daughter account was closed and I was told there was no deposit but social security was about to deposit it on the XXXX. We still have not received our funds and bills are not paid. Contact social security XXXXXXXX to investigate. I also have an account with XXXX. My credit limits on my cards started to disappear and this is all happening after my auto accident on XXXX XXXX, my XXXX was also closed with out my permission thats why I opened us chase account. Please help me figure out what going on with social security account for us. Contacted bank about multiple accounts and user names. Please help
Product: Credit reporting or other personal consumer reports

Upon checking my credit file I found several accounts that should not be there. I'm now writing to dispute the following XXXX ). XXXX # XXXX {$230.00} CHARGED OFF XXXX ) .XXXX XXXX XXXX XXXX {$2600.00} CHARGED OFF XXXX ). XXXX # XXXX {$13000.00} CHARGED OFF XXXX )XXXX XXXX XXXX XXXXXXXX {$0.00} CHARGED OFF XXXX ). XXXX CLUB # XXXX {$0.00} CHARGED OFF XXXX. ) XXXX # XXXX {$9900.00} CHARGED OFF XXXX ). XXXX # XXXX {$15000.00} CHARGED OFF XXXX ) .XXXX XXXX XXXXXXXX {$9900.00} CHARGED OFF XXXX ) XXXX XXXX  # XXXX {$9900.00} CHARGED OFF XXXX ) XXXX XXXX XXXXXXXX {$75.00} XXXX ) XXXX XXXX XXXXXXXX {$4500.00} CHARGED OFF XXXX ) XXXX XXXX  # XXXX {$1000.00} CHARGED OFF XXXX XXXX XXXX  # XXXX {$6700.00} CHARGED XXXX XXXX ) XXXX XXXX XXXX {$1000.00} CHARGED OFF XXXX ) XXXX XXXX XXXX {$550.00} XXXX ) XXXX XXXX  XXXX {$170.00} XXXX ) .CNS PORT SVC # XXXX {$10000.00} REPO XXXX ). XXXX  # XXXX {$720.00} CHARGED OFF XXXX ) XXXX XXXX # XXXX {$5200.00} CHARGED OFF SOLD TO XXXX XXXX ) XXXX FINC XXXX XXXX {$12000.00} CHARGED OFF XXXX ). XXXX XXXX XXXX XXXX {$1000.00} CHARGED OFF. ALSO THERE ARE SEVERAL INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Uder the Fair Credit Reporting Act, Section 15 USC 1681 ( b ) it is required that consumer reporting agencies only furnish consumer reports for specific permissible purposes. The conclusion of inaccurate or unverifiable information in my credit report does not meet these permissible purposes.

Please delete all the disputed items as soon as possible. And update my credit report in the time required by law.

Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

I applied for a loan with Upstart, the request was not approved. It was required to create an account with Upstart to submit the application and since I was not getting a loan with Upstart I no longer needed an account with them. Upon my request to delete / close my account, I was told that my account was not able to be deleted at the time of my request to do so. I then asked when will I be able to delete / close my account, was then told that federal regulations prohibit Upstart from deleting / closing my account. I asked what federal regulation it is that prohibits the closure and was given their privacy policy instead. I asked again for the federal regulation they were abiding by and was then told that I already received a response to my inquiry and that Upstart considered the matter resolved and that there we be no further communication concerning my inquiry. I then called to ask what federal regulation they were following that prohibited them from deleting / closing my account and was told they aren't allowed to divulge thier practices. If there is a federal regulation that prohibits the deletion of my account, fine but if there is not, is it legal to maintain an account on someone against consent?
Product: Payday loan, title loan, personal loan, or advance loan

A company called XXXX XXXX promised a contract that stated participants had the opportunity to buy marketing campaigns in exchange for a share of the profits. The company was run by XXXX XXXX, a resident of Virginia who is now on the run from federal authorities, and XXXX XXXX, who is now " no longer affiliated with the company, '' per sources. They convinced me to sign the contract and used me to get a loan from a company to pay for the service. The account under which the loan is serviced is now run by Universal Account Servicing, a company that has been uncooperative with my inquiries and has not taken investigative account while basically opening a token support ticket to try and keep me quiet. 

The company, XXXX XXXX, stopped the service without warning and disappeared, despite the contract we had stating that " at any point, the client can be entitled to a refund and be made whole '' if you send them an email with the key words to their support line. I sent the email and received no response for months. I have very little money and can not afford to pay this loan as it was under the condition that a money making service would be provided. 

The credit amount from UAS was for {$16000.00}. The original loan, however, came from a company called XXXX, and they transferred the account to a new service without my knowledge. The financing application was approved on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer, XXXX XXXX checked my credit report recently to find that a bill related to my medical visit was reporting on my credit. I did not give XXXX XXXX XXXX XXXX XXXX  written consent to share my medical information, nor did I sign a HIPAA. Which they failed to comply with HIPAA regulations detailed in 45 CFR Parts 160, 162, and 164. They illegally sold my information to XXXX XXXX XXXX. According to 15 usc 1692g XXXX XXXX XXXX were to reach out 5 days before in writing to notify me of this alleged " debt '', and they did not. As a consumer only I can validate this debt and I XXXX XXXX do not validate this debt.
Product: Mortgage

My mortgage was sold to PHH Mortgage. They refuse to send statements, tax documents, or any documentation of my mortgage. They refuse to give me online access to my account. Each time I call to discuss the issue I am told a special agent needs to help me, that they are not available, and that the agent will transfer me to their voicemail. I called today XX/XX/XXXX and was told the same thing. They refuse to give me written notices of what I owe and why. I need help as they refuse to work with me.
Product: Payday loan, title loan, or personal loan

I have been making payments for this RV for almost a year now using auto-draft. On the month of the 1st full year making payments, my auto-draft feature turned itself off. I originally had it set up through Bank of the West 's application. When I called them the first time, I was on the phone with XXXX, an XXXX XXXX XXXX, they told me I had not used bank of the west for auto-draft. They suspected that I used my XXXX bank to set up payments, which again I used the application their bank provided. They couldn't help me try to figure out how the feature turned itself off in the first place. It was originally set up to be taken on the XXXX of each month and my billing statements all support that. However, now that it was 6 days past due because of this, while on the phone with the first representative, I opted to pay a {$5000.00} to the account. I received confirmation number XXXX on the XXXX of XXXX at XXXX central time. He also helped me set up auto-draft through Bank of the West at that time. The next day I made a smaller payment to send a payment with a faster authorization time to show the account current. Since it was Sunday, I scheduled it for Monday. Monday comes and it did not get authorized nor was a confirmation email sent. I called customer service again, this time speaking to a XXXX. She also said that she couldn't understand how the auto-draft feature turned itself off. That only the customer can do that. I assure anyone, I would not do that. It was working flawlessly before. Again I was told I must've used my own bank, which was incorrect again. Then I was told XXXX was the one making the payments. I only used their application. If they can't see who they use to process their own electronic payments, and make their customers feel afraid for their credit score, how can I continue to be a banking customer nor want to expand their own specific services? I only used their online website and application. My account is showing late and no matter what form of payment I try whether online or through their application, it does not work. I tried again while writing this complaint at XXXX central time on XX/XX/XXXX ; nothing. I'm almost reaching the 10 day grace period for this payment and I can already hear and see the automated debt collection response I will receive. I'll probably talk to someone who wont know that I have been trying since the 1st day of it being late, that I have been trying to pay it.
Product: Credit reporting

XXXX XXXX OpenACCOUNT INFORMATION DISPUTED BY CONSUMERClosed by GrantorDisputed by ConsumerCOLLECTIONI have disputed this account because it not my account and still has not been removed from my account and it has been over 3 months.
Product: Debt collection

I have send mail register company with important message inside the XXXX they I had sent through the company they assumed those the one they calling me every 30 minutes non-stop different number!!, I send the form 1040-v, with the internal revenue form 56 with my ucc-1 file with the state of New York, Treasury with my private security agreement Non Negotiable, XXXX trademark /copyright I am protected under my ucc-1. Those the trying to collect to the own Debtor, Everything is recorded in a public office.
Product: Money transfer, virtual currency, or money service

Its been plenty times when Ive made mistakes and sent the wrong person money and because they have to refund it from their end CashApp say its nothing they can do. Some times the branch isnt even open to explain the situation. Ive lost count less of dollars over this issue. Also I had someone i personally know stealing money of my card from an atm and I had just taped my phone to use my card in a store in XXXX. I noticed immediately and called and they told never gave me my money or told me the store the atm was in.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report the following inquires & ACCOUNT continues to be reporting improperly and incorrectly correct. PLEASE DELETE AND REMOVE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 checked my credit reports with Transunion, XXXX, and XXXX after being a victim of identity theft and found erroneous and inaccurate information on my credit report. The FEDERAL Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. These reports are not accurate, fair, nor is my privacy being upheld. There are multiple names listed on XXXX and an inaccurate spelling listed on the Transunion credit report. There should only be one spelling of my name, XXXX XXXX, all other spellings are inaccurate and must be deleted. There should only be XXXX address on my credit report, which is XXXX XXXX XXXX XXXX, XXXX, IL XXXX ; all other addresses are erroneous and must be deleted There should not be any employers listed on my credit reports all employers must be deleted. There is an account listed on Transunion, XXXX, and XXXX report as XXXX  XXXX, acct. # XXXX, the date of last activity is not the same on each report, Transunion XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX, these are inaccuracies and must be deleted immediately. There is an account listed on Transunion, XXXX, and XXXX as XXXX XXXX XXXX # XXXX, the date of last activity is different on each report, Transunion XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX, these are erroneous and must be deleted immediately. There is an Inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX that appears on Transunion that I did not authorize. There is an Inquiry from XXXX XXXX XXXXXX/XX/XXXX that appears on XXXX and Transunion that I did not authorize. There was no permissible purpose and these inquiries must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company took there truck back as a LEMON after I only had it two weeks . This should not be reported on my credit as if i didnt pay it off
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT. This complaint is sending due to the new evidence. Experian credit Bureau is violated the law of FCRA and my rights. In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.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 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 any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. 
Besides Experian is reporting incorrect information on the account XXXX XXXX XXXX- the payment history of this account is incorrect from XX/XX/XXXX to XX/XX/XXXX. None of the payment was missed. 
Please remove incorrect information from my report immediately.
Product: Credit card or prepaid card

I learn my credit line was decrease on XXXX XXXX, 2019 after two years of perfect payment history since opening the account. I was sent a conflicting letter that the decision was base on XXXX  Reporting. I did not understand why my credit line would be decrease with a perfect payment history and perfect credit. I call Macy and ask for the reason why my credit line was decrease? They said I need to call XXXX  and refuse to tell me or send me a letter telling me the reason for the decrease.
Product: Debt collection

I called XX/XX/2018 at XXXX to talk with a manger to see if I could settle this dept with the company the young lady could not find a manger at the time for me to speak with I was put on hold for 30mins to her coming back on the phone saying the company only has three options for me Is a XXXX dollar offer or 20 payment at XXXX dollers that will add up to XXXX over the amount I own or pay nonthing and theyll going to sue me for the whole loan amount I told the lady I didnt not have that type of money I have XXXX dollers to my name I XXXX and not working and they can have the XXXX I dont even have a place to sleep she said thats all theyre offering I said can I please spread to the manger thats told you that why cant he get on the phone she said he in a meeting I repeat it I did not have XXXX or XXXX for 20 payments Im XXXX and not working she said well well going to sue you and hung up on me than I got a email saying theyll going to pursue any legal action against me the dept is 4years and 2 mos old I was calling for help and I didnt get it
Product: Debt collection

I have been contacted for 3 days in a row by a " Debt collection agency '' called XXXX XXXX XXXX from the phone number XXXX stating that I owed a {$780.00} to best buys credit card company. I told them I would not be giving them my information and I would settle this issue with the BestBuy themselves. 

I had previously closed my best buy account roughly 10 years ago and verified this by not being able to connect to their billing department because they did not have my social security number on record
Product: Credit card or prepaid card

I purchased a product from Mayfair online at the time covid 19 was at it high point XXXX  I bought a awning for my house, the ironing was {$350.00} I made contact with Wayfair to return the product, Wayfair at that time was not excepting any returns because of covid 19 and they told me to keep the product and they were going to give me a store credit as though it was returned, the awning also had insurance on it at the time... Comenity Bank took over Wayfair account and claimed I owed them for the awning, l sent them 4 certified compliants with documents from Wayfair showing the account was paid in full and the account was closed, they continue to change me and add late fees to the account and place a negative report to my credit report, please advise me to what I should do ... thank you
Product: Credit reporting

Experian fail to delete personal wrong information on my report. Moreover, dispute results show that wrong information was deleted but it has not.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Experian has failed to remove the account when a validation of debt letter was sent to the creditor over a year ago, and they did not validate the account or send a 1099. Lastly, this account is closed yet Experian is continuing to increase the number of days late. I will attach my credit report to show proof. XXXX and XXXX have since removed the account and I am requesting the following accounts to be removed from my Experian credit report within 7 days : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To my surprise I received a deliquent tax notifcation for my XXXX second half of my property tax. I was so surprised because I've never experienced this before. My mortgage company was bought out by a company I have never heard of called Selene XXXX in XXXX of XXXX. I reached out to them back in XX/XX/XXXX and notified them and they kept giving me the run around and transferring me to someone else. I called the Property Tax division at XXXX multiple times and spoke to XXXX and she told me that they will be sending a payment. 6 weeks have passed and they yet to pay my past due property tax. I reached out to them again and they gave me a run around. I show they deducted {$1300.00} on XX/XX/XXXX from my Escrow account to pay the past due property tax, however XXXX County Treasurer has yet to receive payment. I have been working directly with XXXX XXXX from XXXX County at XXXX and she confirmed again today they have not received payment. We were both on the phone with Selene Finance for 2 hours and they still do not know what happened to the check that was sent out. XXXX advised them to reissue and wire the funds otherwise if payment isn't made by XX/XX/XXXX a lien will be applied to my home. I am astounded how Selene Finance forgot to pay and then removed money from my escrow and it's been a month and they don't know where my payment is. I have been on the phone with this mortgage company for several hours for over 6 weeks and nothing is resolved and they do not take this seriously. XXXX from XXXX County told me that this mortgage company she has never heard of however she said she read the reviews on this mortgage company and it appears they forget to pay property taxes of others. They don't put an effort to pay my property taxes. I don't know what to do at this point. They purchased my Mortgage last year and it's been a horrible experience. Is there any way I can transfer to a diffferent Mortgage company without having to refinance since the rates have increased?