23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2023 I checked my Way2Go account and all of the funds had been stolen- almost {$12000.00}. Way2Go ( Conduent Bank ) is the bank that my child support funds are deposited into. I immediately called Way2Go and reported that my money was stolen. I filed a dispute over the phone and was told that a questionnaire would be mailed and I would receive it in 7-10 days. I did not want want to wait that long so I spoke with the dispute department and they told me I could hand write the dispute letter with all of the dates and amounts of charges that were not authorized by me. I faxed that letter in on XX/XX/2023. I called on XX/XX/2023 and was told that the dispute was denied on XX/XX/2023. They said they would send an email letter with details about how they came to that conclusion and letter contains no information whatsoever besides " conflicting information. '' I asked to open an escalation so that they would truly investigate the fraud and 3 have been opened and still pending over 6 weeks later. I have spent countless hours calling Way2Go and they just say call back in a few days. 

Way2Go had sent out a new card in the beginning of XXXX and allowed someone to activate the card and steal all of the money within days. There is an {$500.00} limit per day yet the thieves were allowed to steal thousands a day and it was not flagged by Way2Go. I have asked how this could happen and every single customer service representative has said " I don't know. '' A police report was filed with my local police department and also filed a fraud report with the FTC. Way2Go has yet to communicate with the police department even though I have sent them the reports and told them that the PD has gathered additional information and suspects that would help their investigation. They have yet to cooperate with police.

This experience has been life shattering and Way2Go has not provided any support or even a true investigation into this obvious fraud. I asked about a provisional credit and they said it is not guaranteed but I would have had to get my documents in within 10 days and I absolutely faxed the documents in the day I discovered the fraud. Way2Go needs to be held accountable for their negligent practices and lack of communication while handling such a horrible situation. I was told I will never be able to talk with the investigation department and I can only speak to managers which can give me no information. I have kept track of all calls, dates, names, and information given during each of my calls to Way2Go.

This company has shown zero concern with this situation and what makes it even more sad is that is child support money that I have been saving for years that will help my child with his future education.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Information on my Credit Report Dear Credit Reporting Agency I am writing to formally dispute inaccurate information on my credit report that I believe in harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by the federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax, XXXX and XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. Theses practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently applying with my bank, XXXX  XXXX XXXX, to refinance a property in XXXX XXXX. My representative total me what my credit scores are and I was suprised because they greatly differ from the scores provided to me by Experian. Experian said that my score was XXXX before the lender pulled the score and after the lender pulled the score. I also asked a second lender who performed a soft pull (? ). Both of these lenders received a score of XXXX for Experian. Even XXXX  ( XXXX to the Banks and XXXX to me ) and XXXX XXXX ( XXXX to the banks and XXXX to me ) scores were different than the score given to me. Both banks received the same score - XXXX. 

Note, I paid Experian to see what your lenders see. Yet, the scores given to me were remarkably different that the scores given to the two banks. I dont know how this is not fraudulent. 

This has resulted in a higher interest rate of a {>= $1,000,000} loan, very frustrating. They tell you that you can " see you credit score, '' however, this is meaningless if the credit score they show you is different than the credit score that they supply to others. I am sure there are people who have paid these credit reporting agencies to access their files and to raise there scores ( At least that is what they advertise to borrowers. ), yet the information provided is not accurate and is horrifically misleading. I am sure that many borrowers are mystified when they are denied loans. All the while, these credit reporting agencies are raking the money in from millions of people with false hopes of being able to see what the lenders see. 

I have tried to reach Experian, but their numbers are automated, recorded responses. There is no option that provides a human on the phone and no choice for a disparity between the credit report given to the lender and yourself.I have written a letter, and have not received a response. I asked my Bank to inquire why there is a difference and the bank said that it is always different. How is this OK?
Product: Credit reporting

Each year, I review my free annual credit report to make sure all information is correct. However, I first noticed on my TransUnion credit report where one of the accounts had the remarks, BANKRUPTCY DISMISSED ; PLACED FOR COLLECTION. I immediately filed a dispute and waited a month later on XX/XX/2016 for the investigation to be complete. On the dispute, I explained I had never filed bankruptcy ( or attorney for that matter ) and I wanted the remark to be deleted for accuracy. When the dispute was finish the same information is listed on my credit report. I became frustrated that not only FICO score dropped on all three credit reporting agencies and I followed the instructions of the customer representatives and no one listened or resolved matter. I need help - I can not buy a car or anything because my credit is affected. My report contain error that have harmed my ability to obtain credit. 
TransUnion provided no straightforward way for me as a consumer to correct erroneous blemishes affecting my credit. When I filed a dispute, TransUnion reflexively finds in favor of the debt collector that reported the debt. In this case, the debt collector was XXXX. TransUnion has failed my trust to maintain accurate credit reports and its refusal to investigate consumer disputes after I pleaded for help
Product: Credit reporting, credit repair services, 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 items ( A ). It is not permitted to report these items 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 deletion 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 XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I was billed {$59.00} a month XXXX, XXXX, XXXX, XX/XX/XXXX by a company XXXX XXXX  on my Cerulean XXXX. I notified the credit card co. on XX/XX/XXXX by phone. I received no response back. I notified XX/XX/XXXX them by mail to the address it says to write to on my bill. i received no response. I called again on XX/XX/XXXX and I requested a new card. The person said they would refer to the fraud unit. on XX/XX/XXXX I received notification fraud unit received complaint. on XX/XX/XXXX fraud unit sent letter cant reach me by phone. I called the # provided and gave them all the information. on XX/XX/XXXX I received letter from card services to file a complaint with fraud unit ( which I did on XX/XX/XXXX ). I received a 2nd letter on XX/XX/XXXX also from card services they are working on case. may take up to 45 days.on XXXX I received a letter from fraud management services they began a review. ( by now I am frustrated feeling like this is a run around. ) On XX/XX/XXXX I received a letter from fraud management services I was issued {$170.00} credit. I mailed a letter on XX/XX/XXXX stating this is appreciated but unacceptable as I was charged unauthorized charge 4 times at {$59.00}, credit should be {$230.00}, {$59.00} x XXXX is {$230.00}. I do not understand the {$170.00}. I still have no response back from them. I am getting the impression they are not refunding to me what I was charged.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from XXXX Bank of America account to fraudulent investment firm ( XXXX ).
Product: Debt collection

I have been receiving calls from several different numbers stating that I am " a person of interest '' and must file a statement within 48 hours or the case will be forwarded for further legal action. 
The first time I actual spoke with a person, I was asked to verify my SS and I refused. I told them to stop calling me and that if this involved a debt they needed to contact my attorney who works with XXXX XXXX XXXX. ( I work in the XXXX ), I gave them all the contact information to reach XXXX XXXX XXXX, XXXX, which they have not done. 
They continued to call me and leave automated messages on my phone. 
When I call them back after a few weeks, I had to verify the last XXXX of my SS. Then the man ( XXXX XXXX ) said I took out a payday loan in XXXX 2013 from XXXX XXXX, and still owe {$480.00} on it, how do I plan to take care of this debt. I said I never had this loan and have never heard of XXXX XXXX. I told him he would have to talk to my attorney, and that once I got validation of the original loan I would have my attorney call him. He claims to be with Concord Resolution and his numbers are XXXX and XXXX.
Product: Student loan

Please see emails attached. I was sent an email on XX/XX/XXXX to sign up for Auto Pay. I signed up for Auto Pay and received a confirmation email on XX/XX/XXXX. On XX/XX/XXXX I received an email that my Auto Pay was cancelled. I called an spoke to three different people that reassured me there was a glitch in the system and everything would be correct. I asked them to send me a confirmation email that my interest rate would be at .25 % and they reassured me it would be correct after XX/XX/XXXX. They showed on their end three confirmation emails that my Auto Pay was set up correctly and confirmed there was something wrong with their system and to ignore the cancellation email. I signed up for Auto Pay again on XX/XX/XXXX. A payment was made for {$12000.00} on XX/XX/XXXX, but my account does not reflect that. I was cancelled again, but was never sent an email. I set up Auto Pay again on XX/XX/XXXX and received another confirmation email, but my interest rate does not show .25 %. I was assured over the phone that their system was having issues and everything would be correct after XX/XX/XXXX. It's not, my interest rate is 3.86 % on 4 loans and 4.66 % on 2 more.
Product: Debt collection

On XX/XX/2018, A.R.M. Solutions ( Collection Agency ) from CA claimed a debt due from me to a 3rd party. I responded with a written signed letter on XX/XX/2018 asking for : 1 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 2 ) Proof that you are licensed to collect debts in Connecticut ( The assumed debt is in CT for both parties ) I disputed the debt : I further : " disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA '' On XX/XX/2018 I received another letter from them threatening me with further collections, Notification to credit reporting agencies and further legal action. The letter from them was dated XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I wrote a letter about unknow and unauthorized inquiries on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I wish to complain about the fraudulent withdrawal of money from my account. This is the first time in the two years that I have owned this account where money was transferred out without my authorization. This is a card that was issued to my by the California XXXX service. 
A total amount of XXXX was stolen from my account in two transactions that were not executed by me. Looks like on XX/XX/2022 the thief tried to transfer out {$3000.00} but the transfer was reversed on XX/XX/2022. However on XX/XX/2022 a transaction for {$3000.00} with reference number XXXX and on XX/XX/2022 for {$2100.00} with reference number XXXX, were successful in taking my money. I did not make these transactions. 
I filed for a bank dispute previously when I noticed that money was missing from my account. I had a very hard time trying to file a complaint through the customer service line, I needed help from someone that spoke XXXX ( I am able to read and write in XXXX, however Im not comfortable speaking it ), the agents would just put me on hold, and/or transfer me continuously and/or even hang up on me. When I was finally able to submit the claim # XXXX, a few days later I received a response to this claim notifying me that the charges are legit, therefore my claim was being closed. This is OUTRAGEOUS. Both transactions are unauthorized. I did not transfer money out of this account, the only funds I ever withdrew from this account have been at the ATM in cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern i am writing because something about a collection was noticed by me after checking my consumer report recently. i never received any notice in the mail or by email of this account nor any phone calls to my understanding. this account just appeared and thats how i found out about it so i am asking for assistance in this matter i have also mailed letters to Experian, XXXX, and XXXX because people are putting inquiries and accounts on my profile without permission. 
Please Assist me in this matter
Product: Credit reporting or other personal consumer reports

A hard inquiry was done on my credit account which I did not request or apply. This made a dent on my score and Equifax report, an inquiry from : XXXX XXXX, XXXX XXXX Date : XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX
Product: Credit card or prepaid card

Hi, The capital one is ridiculous. I payed {$1000.00} last month and my balance on XXXX XXXX was showing {$790.00} due, today its showing {$1900.00}. I contacted the bank, they dont know explaining and wants to charge me it! Ridiculous!!!
Product: Mortgage

Hello. I made my 1st mortgage payment to Everett Financial dba Supreme Lending. Payment should have arrived no later than XX/XX/2022. However, as of today, XX/XX/2022, they have yet to process my payment. The only option they provided to make a mortgage payment was to mail in a check, despite the significant risk to doing so because of the likelihood of mail theft. I have verified the mailing address to ensure the check went to the correct location. I have also verified that I provided the correct loan number on the check- Supreme Lending has not provided me an account number. I have called Supreme Lending twice taking time away from my work schedule because they are only available doing general business hours. They have said that they have not received the check & implied I should have sent it certified mail. I don't believe I should have to spend the time or money to do that. They also said they may be behind in processing & will check with their processing department to see if the payment is awaiting processing. They have not gotten back to me with that information. I am at risk of being in default on my home mortgage payment or risking making a 2nd payment only to have them cash both checks. I don't have the money for that. Nor do I have the time to spend on multiple calls to them and my bank to resolve this issue. In the year 2022, they should have provided me a secure method to make my payment online. They did not. They are now making it my problem to address this issue and it's costing me money because I have to do it during my normal working hours.
Product: Credit card or prepaid card

I erased the complaint but saved it as a download. Please see attachment file complaint is there. Thank You. Capital One has all this information and has copies of complaints I filed with the XXXX  and the e-mails to and from this company and myself stating refund was sent also they have recordings of all phone calls or so they say.
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 1 ) ( A ) : The specific provision is part of the introductory section of the FCRA and states the following : ( a ) Accuracy and fairness of credit reporting : ( 1 ) In general : ( A ) Accuracy and fairness of credit reporting : Consumer reporting agencies must maintain reasonable procedures to ensure the accuracy and fairness of the information they collect and report about consumers. These agencies play a crucial role in providing credit reports to lenders and other entities, and this provision emphasizes the importance of accuracy and fairness in the information they compile.

Practical Implications : Accuracy Requirements : Consumer reporting agencies are required to take steps to ensure that the information they report about consumers is accurate and up-to-date.

Fairness Requirements : In addition to accuracy, the FCRA emphasizes the importance of fairness in credit reporting. This includes ensuring that reported information is not only accurate but also fair and just in its representation of a consumer 's creditworthiness.

Consumer Rights : Consumers have certain rights under the FCRA, including the right to dispute inaccurate information on their credit reports. If inaccuracies are identified, the consumer reporting agency must investigate and correct them.

Responsibilities of Consumer Reporting Agencies : This provision places a responsibility on consumer reporting agencies to establish and maintain procedures that reasonably ensure the accuracy and fairness of the credit information they handle.

It's important for consumers to be aware of their rights under the FCRA and to review their credit reports regularly for accuracy. If inaccuracies are found, they have the right to dispute and seek corrections. Additionally, the FCRA imposes obligations on consumer reporting agencies to handle information in a manner that is both accurate and fair to consumers.
Product: Debt collection

There is are accounts on my XXXX, XXXX and XXXX credit reports that I have no knowledge of. It's clearly identity theft and fraud and I would like the accounts removed from my credit reports immediately. 
There is an account by the name of XXXX XXXX XXXX reporting derogatory in the amount of {$250.00} on my XXXX, XXXX and XXXX XXXX profiles I have no knowledge of. 
There are XXXX accounts from a company by the name of Affirm reporting derogatory in the amounts of {$210.00}, {$95.00} and {$77.00} on my XXXX profile that I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX  account # 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.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX filed 3 lawsuits against me on accounts that have not been verified to be mine. They started in XX/XX/XXXX, second one XX/XX/XXXX and third XX/XX/XXXX. I've not had anything like this happen before, so I wasn't familiar with going to court. It all happened so fast because they were sending one right after another and they got default judgements. Which in turn they sent to my employer and my checks have been garnished for the past 6 months. They keep sending letters to my employer and have sent information on the details of the debt which is a violation of the FDCPA directly to my employer via email and regular mail. They keep sending letters to my employer over and over. To the point my employer is tired of dealing with it and I could be in jeopardy of losing my job of almost 10 years. This has been a completely humiliating for me being harassed on a debt that I don't even know that I owe. Not to mention ALL the charges and fees that added to it. Something needs to be done about this company ASAP. They're violating numerous laws daily! Misrepresentation of being an attorney but they're really a collection agency, they have and still are called harassing my family and my employer, and misrepresentation about the debt and how much is owed and verification that I even owe the debt.