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

On XX/XX/XXXX, I was contacted by a man named XXXX who claimed he was with XXXX XXXX, and that if I did not pay the bill immediately, electricity would be shut off within an hour. My husband had all of our bills in his name and passed away XX/XX/XXXX. I have had difficulty capturing all of bills and assumed I had missed one. He proceeded to walk me thru the Wells Fargo app to make the past due payment via XXXX. The first amount was XXXX. XXXX then claimed that it did not go thru and sometimes their system rejects payments with any cent value at the end and had me try again with the flat amount of XXXX. He then claimed that also did not go thru and now had me enter another transfer for the amount of both transactions ( I was in my car and did not check his calculations ) stating this is how they would be able to refund me the payments that hadn't gone thru since it was showing as pending from my checking account, in the amount of XXXX. That also 'did not go thru '. 

At this time I was transferred to a 'supervisor ' who proceeded to have me follow the same steps. The amounts were an additional XXXX, XXXX, and XXXX equaling a total of {$3400.00}. They assured me that all of the money would balance out because they were not 'posted ' transactions and all of the extra charges would drop off. 

I happened to be driving my Husbands ashes home while this all took place. I got home and looked thru our bills and we dont even have XXXX ( which is for houses/gas ) and actually have XXXX XXXX for our electricity. I immediately called Wells Fargo and filed a claim on all all 6 transactions. I was given a provisional credit for the total amount while they processed and investigated the claim. On Wednesday XX/XX/XXXX I received a letter from Wells Fargo stating that they are denying the claim due to me logging in to the Wells Fargo app via biometrics and making the transactions myself. 

I called WellsFargo to dispute the denial and they stated the claim decision was final. I contacted my Lawyer who suggested the MN Attorney General, and they pointed me to the Federal Trade Commission where I did file a complaint ( Confirmation # XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following items completely from my Credit Reports : XXXX XXXX Balance Owed : {$66000.00} XXXX XXXX Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX Balance Owed : {$12000.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$550.00} XXXX XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$110.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$750.00} XXXX XXXX  XXXX Balance Owed : {$750.00}
Product: Money transfer, virtual currency, or money service

On XXXX, I made a payment in the amount of XXXX XXXX  from my XXXX account to the account of XXXX XXXX XXXX XXXX opened in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX . JP Morgan Chase Bank was an intermediary bank in this chain. On XX/XX/2022, XXXX was appointed in accordance with Presidential Decree No. 
XXXX. Given this, my payment must be blocked by an intermediary bank in accordance with the rules of US sanctions. To unblock a payment, I need to apply for a specific license with OFAC. However, JP Morgan Chase has not yet blocked the payment and has not informed the sending bank about the freezing measures. Thus, I can not apply to OFAC for the license required to unlock my funds, because for this I have to enter some data and, in particular, the date when the payment was blocked. Otherwise, OFAC may not find the record of the blocked payment. On XX/XX/2022, we tried to contact JP Morgan Chase Bank via XXXX from XXXX with a request to clarify whether the payment was blocked and what was reported to OFAC and when. However, JP Morgan Chase did not respond. 
Thus, I can not apply to OFAC for the license required to unlock my funds.
Product: Credit card or prepaid card

Can a loan company take out money from your government benefits? On XX/XX/XXXX this loan company took out {$450.00} from my benefits. Is that legal in texas?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX and 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. XXXX continues to violate my rights by publishing without my written instructions. 
In light of recent investigations brought upon XXXX, I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated, also Experian responded to prior complaint that, Upon further research and re-investigation, and in accordance with the FCRA, the inquiries are in the process of being removed or not listed on the Experian credit report, except for one of them. Once the update has taken place an updated copy of the credit report will be forwarded to you for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. still on my report are XXXX XXXX, XXXX XXXX  and XXXX XXXX Im wondering why they said they would remove all but 1 and they are still there?
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE - 103 ) My personal information was stolen in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses I have listed, the following includes : XXXX  XXXX : XXXXEquifax XXXX  : XXXXEquifax XXXX XXXX XXXX XXXXEquifax XXXX XXXX : XXXX XXXX  : XXXXEquifax XXXX : XXXX XXXX  : XXXXEquifax XXXX  XXXX NA : XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXXEquifax XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX OF XXXX : XXXX XXXX OF XXXX : XXXX XXXX  : XXXXEquifax XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX : XXXX XXXX  : XXXXEquifax XXXX XXXX  : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, 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.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries, nor did I give them permission to review my credit report verbally or written, which brought down my score significantly. I requested information from the credit bureaus where I gave consent and I keep getting them constantly reporting and I was never given any proof over the last 36 days. the only one I recognize is XXXX XXXX XXXX on XX/XX/XXXX. All the other inquiries and not legitimate and asked they be removed immediately and the credit bureaus not not honored my request. These inquiries and not mine and a inaccurate. 
XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( fadulant Acct/EX-Wife ). XX/XX/XXXX All Major Credit Bureaus : XXXX XXXX TransUnion
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian, this is a self-attestation that I am victim of XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts 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 tried disputing fraudulent inquiries on my TransUnion credit report. They came back as verified when I did not make these inquiries at all. I called on XX/XX/XXXX twice waited over two hours to speak with a supervisor he couldnt tell me how they verified these inquiries instructed me to call each of these companies that I did not run my credit with to get a letter from them. Which leave me to believe they did not conduct any investigation at all. They need to remove these inquiries immediately! It is unlawful to report anything I did NOT authorize! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$100.00} Open Date XX/XX/XXXX XXXX Balance {$10000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX Date XX/XX/XXXX XXXX XXXX XXXX Balance {$2500.00} XXXX Date XX/XX/XXXX XXXX XXXX XXXX Balance {$2300.00} XXXX DateApr XXXX, XXXX XXXX XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$890.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$750.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$530.00} Open Date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Acct # - XXXX, XXXX XXXX Acct # - XXXX XXXX  XXXX # XXXX, XXXX  XXXX Acct # XXXX, XXXX Acct # XXXX XXXX XXXX/XXXX/XXXX  Acct # XXXX, XXXX XXXX  Acct # - XXXX, XXXX XXXX Acct XXXX XXXX XXXX, XXXX  XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX 15 U.S.C. 1681 sections 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 SA Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1581c. ( a ) ( 5 ) Section State : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I've been paying on my Navient loans for 10 years and stopped paying them as my balance due is more than what I borrowed. I need assistance with dealing with them because no one will help. They were supposed to send me what I borrowed and what I owed and I have not received anything in the mail.
Product: Debt collection

Block and delete the fraudulent accounts listed below, as mandated by law and the FCRA. Failure to comply within XXXX business days will result in legal action, and I do not consent to automated verification methods. I expect prompt resolution and acknowledgment of this matter. XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$32000.00}, XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$920.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}. Please delete.
Product: Student loan

In XX/XX/XXXX, a student loan for my daughter for which I was a co-signer was on the verge of going into default. This situation was because my daughter was a single parent, under-employed, and underpaid, and receiving no child support. Add this to the fact that our family was affected by the XX/XX/XXXX financial crisis during which time we lost our family home to foreclosure and defacto bankruptcy, we desperately tried to reason with Wells Fargo ( as we did with other creditors ) to offer what we could pay as good faith gestures. They would not accept anything less than what they wanted. During this time, I was primarily responsible for my daughter and granddaughter financially since my daughter 's income was insufficient. This meant that each month, apart from what little bit my daughter could afford, what was deposited in my Wells Fargo bank account was just enough to pay the rent, pay the bills, and put food on the table. During that month, Wells Fargo proceeded to garnish my wages directly out of my accounts without getting a judgment against me and without informing me or considering the consequences for my family since I was the head of household for a family that included a then XXXX-year-old. I called, and after an hour crying and begging on the phone, I was able to get someone to give me some of the money back, but they kept the rest as payment on a student loan. From there, they demanded that I come up with a plan to pay them because if I didn't, they said that the would continue garnishments. As a result, I had to get rid of all of the possessions from my home that I had lost so that I could find a way to pay them {$200.00} a month. Since then, they've made a note on my credit report saying that an arrangement was made, when in truth, it was not an agreement but a garnishment with no opportunity to explain the situation before a judge. To add insult to injury, after paying them {$200.00} a month since XX/XX/XXXX without any payments ever being late, they've refused to remove the derogatory marks from both my credit report and my daughter 's.
Product: Student loan

I declared XXXX XXXX bankruptcy in XX/XX/XXXX and it was discharged XX/XX/XXXX. Navient claims to be unaware of the discharge and that I owe them the remainder of the student loans. As the amount owing far exceeds the amount of tuition it would have been wiped out in bankruptcy. Amount currently owing is {$55000.00}, the cost of attending the XXXX XXXX XXXX XXXX was {$35000.00}, I graduated in XXXX and made payments until declaring bankruptcy. The amount owed does not include federal loans also used To pay for attending which total {$12000.00}. Navient has ruined my credit score in reporting that I have not paid them. I also
Product: Student loan

I co-signed student loans for my Daughter, XXXX XXXX XX/XX/XXXX, who works for XX/XX/XXXX. XX/XX/XXXX I became aware XXXX was behind on her payments. Therefore, made the arrangements to guarantee payments would be caught up and always on time on all XXXX loans. As of today we have upheld our end. However and incredibly XXXX of the XXXX loans through Navient ( Loan # XXXX ) continues to report as a charge-off.Eventhough, the minimum monthly payments have all been made to this date and continue to be made. Somehow Navient made an error by not including this particular loan and reported it as a charge-off after our agreement. 
Further, each month a monthly payment is made Navient reports this update making it seem as this charge-off just happen further decreasing my credit. This is the only charge off on my credit report and has ruined my credit. 
Damages include : health insurance increased by {$40.00} a month Auto insurance increased by {$120.00} a month I have been denied credit 4 times in last 6 months Auto loan interest increased on recent van purchase. 
I have disputed this with the credit bureaus twice and Navient confirmed the chart-off status. 
I have contacted Navient at least 4 times, spent hours on the phone, literally pleading with them to to the right thing. 
Navient confirmed payments have been made but say that once an account has been Charged-off there is nothing they can do. This entire ordeal is unbelievable and I am amazed at how little fear there is of federal policy. I informed Navient I would file a lawsuit an they literally do not care. Please listen to the taped conversation I had today XX/XX/XXXXat approx. XXXX. I made sure to confirm the call was being taped and after informed the representative ( XXXX ), the secure this tape for future litigation.
Product: Debt collection

On XX/XX/XXXX I received a phone call from a collection agency stating they now own a debt that was once owned by XXXX XXXX XXXX XXXX XXXX XXXX XXXX on an account opened XX/XX/XXXX. The company that contacted me was Supulative RM. During this phone call, I told the representative I was unaware of this debt being sold and asked them to send me a verification of debt. A verification of debt letter was written and sent to them later that afternoon asking for specific information. Superlative responded with a copy of statments from XXXX XXXX. Though this is part of the information requested, it wasn't all of the information requested to prove the debt. In my letter I requested information in occordinance to information provided to me from the Consumer Financial Proctetion Bureau including topics : Why they think I owe the debt, The amount and age of the debt and their athority to collect this debt. I reside in Arkansas and under the laws in Arkansas any debt collector who is attempting to collect a dept must hold a license in Arkansas, neither of the listed companies above hold that or have not provided any proof that they hold athority to infact collect on this debt. XXXX XX/XX/XXXX will be 30 days since I have requested this information and have not had any contact from them regarding this issue. Also, The XXXX XXXX XXXX still reports to my credit as owning the debt, when they infact sold it to a new company.
Product: Money transfer, virtual currency, or money service

I updated our checking account with PayPal and verified it. Since then, PayPal is refusing to let us withdraw the funds to our checking account. We are also not able to withdraw funds to our debit card. When calling customer support, they claim everything is normal and working as it should. Thre is {$3200.00} " stuck '' in my PayPal balance that they refuse to let me withdraw. Please fix this.
Product: Credit card

I received 2 emails and a text today XX/XX/year> Received emails from XXXX XX/XX/year> XXXX est " Meet your new Chime account '' XXXX XX/XX/year> XXXX est Your Credit Builder application is almost complete! '' I did not sign-up for a Chime account, nor did I consent to one being opened. I noticed the address information they have is from over 10 years ago but uses my current email and phone number. 

I logged into this account after resetting the password, locked the, and opened chat with an agent on the app on my phone. I requested that this account be closed, they gave a service request id of XXXX for my request. 

They opened this account without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX inaccurately reported an account as a charge off and provided a letter stating that it should be removed from my credit report. Equifax has yet to do so claiming XXXX XXXX XXXX XXXX is stating the charge off is accurate.
Product: Credit card or prepaid card

American Express has a history of discrimination towards people of XXXX and dont fix fraudulent issues with poor people of XXXX like myself Ive been a victim of fraud and I didnt apply for a Hilton honor credit card and my fraud case was denied due to payments were made and I didnt authorize these payments and I contacted my banks to issues a payment dispute and the bank returned the money back to me since it was fraud and American Express are not accepting my claim again I have filed a police report and send in the documents to them 4 fax numbers they gave me and each time I called them they lost them in transit and I would like for this account to be removed from my credit report I didnt apply for this card all the payments were reversed