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

On XX/XX/XXXX I reserved a condo in XXXX XXXX and transferred {$800.00} to the " owner '' of the condo through the XXXX app in my Wells Fargo 's online bank account. After the money was transferred, the " owner '' of the condo cut off communication with me and I have n't heard from him since. I opened a claim through Wells Fargo and it was closed. I re-opened the claim and a representative of the bank called me yesterday stating I would not be receiving my money back.
Product: Debt collection

XXXX XXXX XXXX billed me XXXX sometime in XX/XX/2018. I called them to make payment arrangements. They stated that within 2 months I could initiate payment arrangements by sending them {$500.00}. Then I could make monthly payments of XXXX. I mailed them XXXX as a XXXX payment. I called them again to make the payment arrangements. XX/XX/XXXX, I paid them XXXX. They sent me another bill and it stated that if I didn't pay the entire balance it would be sent to a collection agency. I called them again and stated that we had made payment arrangements, that I was to pay XXXX per month for a year. She said okay. In XXXX, I sent them a check for XXXX which they cashed on XX/XX/XXXX. They sent me a statement to pay the balance or they would send it to a collection agency. I called them again and stated that I didn't understand. We had made payment arrangements. I am paying them XXXX, which was the amount they decided ; why would I come up with a number like that? They said, oh ... .it 's because you did not submit a debit or credit card number. I told them I don't give out debit or credit card numbers. I told them that I had a credit score of over 800 and I would faithfully pay them the amount we agreed upon, and she said okay, and she would  make a note of it. On XX/XX/XXXX they cashed a check for XXXX. On XX/XX/XXXX, I received a letter from a collection agency. I could have borrowed the money to pay them off, if I knew they were going to send it to collections. I would prefer to stick to the original interest free payment. It was my understanding we had payment arrangements. I can not afford for them to ruin my credit. I paid them what we had agreed to, but yet they have threatened to ruin my credit score by sending my account to collections because I refused to give them my credit or debit card. This is unfair! 
I pay my bills on time! And I have paid them on time, and they should stick to the original agreement!
Product: Credit card

After submitting a claim again for canceling a charge for defective goods I returned to retailer ( using their prepaid shipping label ), my claim was approved by card issuer. The retailer then refunded half the money to my account for the returned goods. Then the retailer submitted a new transaction for the full amount of the charge for goods that they still possessed. I am getting charged for merchandise that the retailer has. A dispute was filed again to the lender but no decision was ever even sent to me. I have requested any data related to this case to be sent to me so that I can file a lawsuit, but the lender has not provided me with any documentation for this case. The last time I called the lender just stated that I should be receiving a letter in a couple of days but none has ever arrived. The lender was not able to even give a decision to the case over the phone, but I am receiving notices of past due amounts. The last time I tried contact lender the person that answer was just silent the entire time and then hung up without saying a word.
Product: Debt collection

XXXX XXXX is attempting to collect a debt that we have spent months trying to work with them on, and they are refusing to settle the debt for less.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received an inquiry from XXXX which I did not apply for. I have no recollection of ever applying for their credit products and live about 1 hours away from the nearest XXXX
Product: Debt collection

There is an account listed under my name for the original creditor of XXXX XXXX, however, I never signed a contract with XXXX XXXX, and after attempts to obtain a copy of a contract, I have received no response from Diversified Adjustment Service. 

I have sent faxes and letters requesting copies of my signature on a contract or agreement, and would like to see where this information is coming from.
Product: Money transfer, virtual currency, or money service

I sent a transfer to my mom in XXXX through Zelle on XX/XX/year>. She still has not received the funds. The account was later closed because of a fraudulent transaction. The bank provided her with a new account. I am unable to transfer the funds to the new account and the funds never became available in the old account. I was told if the transaction was not successful the funds would be refunded but still nothing. I am unable to get anyone on the phone for Zelle. XXXX informed me they can not help. Only Zelle can.
Product: Credit reporting

This was never reported to the credit bureau by the presiding judge. It needs to be removed, and Equifax is refusing to remove it. I have disputed this with Equifax , with evidence, I have disputed this with CFPB with more evidence, and I am disputing it again. This is incorrect and if it is not removed in 24 hours, I am contacting my attorney, XXXX XXXX, to sue Equifax for damages for illegal reporting.
Product: Credit reporting or other personal consumer reports

There are collections on my credit report that I do not recognize.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX, I withdrew {$20.00} from an in-network ATM. On my Chime account it said that I withdrew {$500.00}. I immediately called Chime and told them what happened and they told me to fill out their form and send it to them, but I would have to wait until XX/XX/XXXX just for a PROVISIONAL CREDIT! I told them on the phone, I can not wait that long! I have severe XXXX, XXXX, XXXX and have had multiple serious back surgeries. I am on XXXX and on a fixed income and have bills to pay! They gave me a credit on XX/XX/XXXX, just in time for my car payment on XX/XX/XXXX. Without notice they reversed my credit on XX/XX/XXXX and said there was no error! I said are you kidding me? Now my car payment got kicked back and I got charged {$30.00} for HAVING INSUFFICIENT FUNDS! I called Chime on XX/XX/XXXX and said I have the ATM receipt to prove it! The associate said that I was supposed to send the receipt to them as well. I told him that nobody told me that I needed to attach the receipt! He told me if I send the receipt that I will get my money back! I sent the ATM receipt immediately and I just called on XX/XX/XXXX at XXXX XXXX  and I was asked " did you get an email from us? ", I said no I did not. The associate said that upon reopening the claim with the ATM receipt I provided proving I only took out {$20.00}, they still decided that " no error occurred ". I was furious and said I gave you the ATM receipt proving I only took out {$20.00}. That is irrefutable evidence. He told me nothing else can be done that this was their " final decision ". When I thought things couldn't be any worse, they made my account go negative so I also lost my deposits of {$160.00}, {$160.00}, and {$50.00} because it went towards the negative balance because they reversed the credits that are MY MONEY! Now my car loan is past due and I am facing my car being repossessed! I can't afford to lose my car. I need it to get to my doctor appointments, pharmacy to get my medication and to get my XXXX treatments. Now my credit is going to be ruined as well! This is all due to Chime banks negligence!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX transunion XXXX after ID theft won't allow me to look at my score it's against the law if i have been a victim i want to see my socre online will send proof in the attachments
Product: Debt collection

Spire Recovery Solution contacted my brother and family members yesterday and the day before about my debt. They have been harrassing them for 3-4 times a day. They do not owe the debt it is I so why are my family members suffering the consequences.
Product: Credit reporting or other personal consumer reports

On XXXX account was originated based of XXXX XXXX XXXX letter I received. On my Experian account date open date of account says XXXX XXXX. Which the date is incorrect on credit report..credit bureaus chapter laws this case must be removed due to incorrect information provided above.will submit pdf.file photos of letter and credit report file of both incorrect date published by company and whats shown on experian
Product: Mortgage

Mr. Cooper took over our loan in a transfer on XX/XX/year>2024. They have not reported our mortgage to the credit bureaus. This caused our credit score to drop over XXXX points. The credit bureaus only see the mortgage closed from XXXX although it does say it is a transfer. The credit bureaus said nothing they can do until Mr. Cooper reports the mortgage. Because our credit score dropped we had XXXX other creditors lower our credit limit and XXXX closed our account. They all said it was because of the drastic credit score drop. Mr. Cooper has been lying and telling us different reasons why they have not reported and tried blaming XXXX and the credit bureaus. We are getting the run around and our credit is now ruined. They kept telling us when they decide to report it will come back but no one can get our credit limits or closed account restored. They need to fix this immediately
Product: Debt collection

XXXX XXXX National Enterprise Systems from XXXX ext XXXX  and XXXX XXXX from National Enterprise Systems take turns calling my place of work is at a high time record of 16 calls in one day. They threaten my co workers and bosses to give them my work schedule so they can call me and harass me during my work shift. I only work 4 hours a week, and they call even when I'm not there, they won't give me any information on the debt owed without first giving them my personal information and my social security number. I have not received any notification by mail. It is not my debt, so make them stop calling me at work. My bosses and myself have ask them to stop calling me at work, but they seem not to care and keep calling even after the threat of hiring a lawyer to sue them. I won't have a job if they keep this up.
Product: Vehicle loan or lease

Wells Fargo repososessed my car with no notice. I had requested XXXX assistance twice for thre month deferments. They claimed to have sent a request form for a third deferment, however I never received such. They never sent it. Each time I would talk to a different customer service representative and they would give me inconsistent information. They repossossed my car and destoyed my credit.
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. Equifax, XXXX, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XX/XX/2022 I deposit a XXXX XXXX check in our account through the ATM. The check was for a refund from a money order in the amount of {$480.00} XXXX  # XXXX & {$480.00} MO # XXXX. Total of both checks was {$970.00}. Wells Fargo stated the checks had a stop payment on them and the funds were not collected. My account will close due to fraud on XX/XX/2022. I reached out to XXXX. A female representative repeatedly says the funds were available. I received a copy of the cashed money order showing the funds were paid. I called Wells Fargo again on XX/XX/2022, explaining what XXXX sent me. The representative insisted the checks were fraudulent. Wednesday, I sent copies of the checks to XXXX and asked them to waive the processing fee, because my account was closing due to the checks being fraudulent. I asked a for a XXXX or supervisor to call me or at least email me. I received nothing. I still have outstanding checks that XXXX insisted they couldn't cash due to a stop payment order placed on them. Here are the other XXXX money order numbers XXXX  # XXXX Amt {$500.00}, XXXX  # XXXX Amt {$50.00}, and XXXX Amt XXXX. Please have the fee waived on all XXXX money orders and include {$30.00} additional fee for the previous money order that caused my account to close for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN IN CONTACT WITH XXXX  FOR THE LAST YEAR OR SO ABOUT THESE FRAUD ACCOUNTS AND THEY STATE THEY WILL DO A INVESTIGATION AND THEN THEY RETURN WITH THE ACCOUNT IS MINES, HOW CAN A ACCOUNT BE MINES WHEN I SUBMITTED VERIFCATION OF MY ADDRESS FOR THE LAST FIVE YEARS IN CA, AND THE ACCOUNTS MAILING ADDRES WAS GA. I HAVE SUBMITTED POLICE REPORTS SIGNED DOCUMENTATION WITH MY SIGNUTURE IN FRONT OF A NOTARY.I HAVE BEEN GETTING NO WHERE WITH THEIR COMPANY THEN THEY SAID I WAS BEING HANDLED BY THE SPECIAL INVESTIAGATION TEAM AND THATS XXXX BECAUSE THEY DID NOTHING DIFFERENT THAN BEFORE. I HAVE BEEN DISPUTING THE SAME ACCOUNTS FOR MONTHS AND ITS BECOME UNBEARABLE THAT THEY HAVENT CORRECTED THE ERROR. XXXX XXXX XXXX XXXX XXXX, XXXX, AND XXXX XXXX ALL ARE FRAUD ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have tax Leins on my credit reports, that should have been remove by XXXX XXXX, 2017. They have aready been released from trans Union an XXXX, but no matter how hard I try to get them remove them they wo n't. I guess the credit bureaus are above the law. I have but up a hard fight to correct my credit, but feel I 'm fighting a losing battle. I 'm just the little guy trying to get things corrected, it 's not like I 'm asking for any favors. I just want them to follow the law, which I 've done extensive research on. I am XXXX and should n't be made to undergo this much stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based On 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged Identity theft, not later than 4 business days after the date of receipt. 


It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Account : XXXX XXXX XXXX XXXX Account : DEPT OF ED/XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal line of credit opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX amount of {$13000.00} ), A XXXX  XXXX credit card opened on XX/XX/XXXX under the Account ( # XXXX in the amount of {$6300.00} ), a XXXX Credit card open on XX/XX/XXXX under the Account # ( XXXX in the amount of XXXX ), a line of line of Credit with XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the Account # ( XXXX in the amount of {$600.00} ), And XXXX XXXX  opened XX/XX/XXXX Reference ID XXXX, XXXX XXXX XXXX opened XX/XX/XXXX under the account # XXXX, These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, showing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint reference number : XXXX, and reference number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I, the consume and natural person, was denied a car loan by USAA when I applied on

XXXX.XXXXAdverse action against a consumer is AGAINST THE LAW according to 12 CFR Part 1002 of the Equal Opportunity Act. In which Regulation B protects applicants from discrimination in any aspect of a credit transaction and aspects of credit transactions include the following : Consumer credit Business credit Mortgage loans Refinancing Open-end credit Credit applications Standards of creditworthiness Denial of credit Servicing and collection Revocation, alteration, or termination of credit The Equal Opportunity Act is codified in 15 U.S. Code 1691 ( c ) and is pursuant to civil liability under U.S.C 1692k . USAA is subject to criminal liability for violating 15 U.S. Code 1691 as I have the proof that I was discriminated due to the response I received. I the consumer made the application in good faith, but loan was not issued.

Furthermore, because USAA as access to my social security number, described as a credit card under 15 U.S. Code 1602 ( l ). I received no benefit. This is proof of fraudulent activity ( unauthorized use ) o
n behalf of USAA.

I am the original creditor by means of my social security number. 12 U.S. Code 1431 - Powers and duties of banks, stipulate USAA can ONLY borrow, and is only loaning the funds created from my social security number and signature on file.

If USAA fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card ( social security ). I will indeed make USAA criminally liable for all actual damages pursuant to 15 U.S. Code 1681 ( n ) and 15 U.S. Code 1681 ( o ).
Product: Checking or savings account

XX/XX/XXXX in the afternoon, my Chase bank checking account was randomly restricted/frozen without warning. They told me on XX/XX/XXXX that they dont have any info to provide me on the reason why it froze and it has to go through a process to fully close the account and then they will send me a check for my remaining balance. On XX/XX/XXXX I received my IRS tax refund of XXXX $ and the next day my chase account froze. After making a few payments my account went down to XXXX XXXX I need my money back I was counting on my tax refund to pay a lot of backed up bills. Pleaseeeeee help me resolve this with chase bank.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I placed a request on experian.com to reinvestigate a dispute and provide me with the method of verifying the information in dispute to which they answer item will remain on credit report but did not provide method of verification such as who they talk to will investigation did they complete or any other verifying information to which is a FCRA violation.
Product: Mortgage

I have been waiting to finalize a Deed In Leiu for a year with Seterus. I received douments Saturday XXXX XXXX from XXXX County Circuit court containing suspicious content for the same mortgage. The document contain XXXX XXXX XXXX and his ex wife XXXX XXXX XXXX. 
It also contains the Quit Claim Deed executed XXXX/XXXX/XXXX. This house was my Mother 's who has been deceased since XXXX/XXXX/XXXX. 
The Plaintiff is XXXX XXXX XXXX XXXX. 
Please give me a fax number to fax these documents. 
XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, AR XXXX P XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by XXXX XXXX ( XXXX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX  XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is violating my rights as a Federally Protected Consumer, according to the Fair Credit Reporting Act 15 usc 1681 ( a ) ( 4 ) ( b ) As I have a right to the pursuit to Life, Liberty and Happiness, Equifax is disruptive in my life, Also have Traffic my Personal Identifying Information without written consent, Also Affiant has a right to privacy according to 15 usc 1602
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a with BANK OF AMERICA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XXXX, XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.