23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working tirelessly to get items removed off my report because I was a victim of all my data being stolen off the OPM database ( I was a federal employee ). However this item is of a different circumstance. XXXX XXXX XXXX XXXX is trying to collect a debt for XXXX CO in the amount of XXXX I purchased a XX/XX/XXXX XXXX from XXXX XXXX in XX/XX/XXXX and financed it through XXXX but I only had the car in my possession for less than 60 days as the car engine was making a knocking noise and the transmission was not shifting properly. I took the car back to XXXX XXXX and they put me in another car, XX/XX/XXXX XXXX XXXX but because it was past the 30 days they had to roll in the negative equity of {$4900.00} for the XXXX into my new loan with XXXX XXXX XXXX. Needless to say I was furious but I had no choice because my daily commute was long and I needed a reliable car. 

I have contacted XXXX XXXX and spoke with the Finance Manager and he told me that I absolutely DO NOT OWE this debt to XXXX because they were paid when I financed the XXXX. Unfortunately, he could not find the sales order for the XXXX because they have changed systems since XX/XX/XXXX. 

I believe this is nothing short of a CRIMINAL ACT by both XXXX XXXX XXXX and XXXX as they are trying to collect a debt they have already been paid on and have ruined my credit in the meantime! 

I am desperate to get some assistance with helping me get this item removed from my Experian credit report ( it is not showing on XXXX or XXXX ) as it is a large amount ( XXXX ) and it is seriously affecting my credit score. I feel I have done all the right things to get this removed but I am being ignored.
Product: Credit reporting

I have been trying to get a freeze on my report lifted from Equifax for 3 weeks, I had no problem getting the lifted with the other XXXX agencies. Equifax has refused to let me lift it online where I placed the freeze, they have given me the run around when I call, telling me to call back in 1 hr because they ca n't help me because they are doing a system update, when I call back later they tell me the same thing - they are having a system update and can not help me. I am so frustrated I want to scream. They have also refused to give me my free annual credit report. They have caused me significant distress and problems as I have been unable to obtain utility services for my XXXX residence because of their refusal to lift the freeze. Please help.
Product: Credit reporting or other personal consumer reports

The company is Affirm I paid a third party a company call XXXX and a company call XXXX XXXX in full. Affirm is still showing on my credit report like I still owe the money and refuse to change the status of all three accounts.
Product: Checking or savings account

Wells Fargo has changed terms on my account multiple times without me requesting them to do so, and without notifying me. 

-they removed overdraft protection on my account without notifying me. 

-they did so because I complained that they had changed the time of day that my account settles, without notifying me. Usually my account closes at XXXX PST daily, this was changed at some point within the past few months to ( I believe ) XXXX EST. 

-I am used to having until 12 to deposit money if I would happen to overdraw the account. 

-This change caused me to overdraw multiple times without realizing it. 

-Oddly, the WElls Fargo app, did not reflect this change. And it still showed that my ending daily balance was positive. Even though this was the case, and I informed Wells Fargo of this, they refused to assist me. Instead they did not respond to my inquiry and removed over draft protection on my account without informing me or gaining my consent to do so. 

This has caused a material loss, and I believe that these practices were not only deceptive, but intended to abuse the power Wells Fargo has over consumers.
Product: Checking or savings account

Fraudulent ACH Payment Transfers on XX/XX/2023 Received Fraud Alert Text from XXXX Received follow-up call back from XXXX During this phone call, the Chase rep stated her name was XXXX XXXX XXXX She asked me to verify with codes several times. We went through several troubleshooting tests with emails and texts for about an hour. She noted that they would need to freeze the account while they investigated the fraud charge from XXXX. She gave me a new username and password and said that my new debit card would be in the mail after about a week. 

Once all my information was verified, they had access to do several fraud ACH transfers. I was not able to login to my online acct because I was told I would be getting a new card in the mail and while the acct was under investigation they had to freeze it. 

XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$8700.00} to XXXX Total transfers stolen out of my business checking account = {$250000.00} I've been working with my bank ( Chase ) since XX/XX/XXXX and they have told me there is nothing that they can do and that there is no way to verify this was fraud. They have never asked me any followup questions and/or interviewed me or done any real investigation to see that this has been a phishing scam. They claim that the scammer was able to verify, which is exactly what happened because they had hacked into my acct online and were able to forward the codes to themselves. I have had no support from my bank even though the phishing phone calls and texts were spoofed as their customer services lines. I have been offered no protection from this huge catastrophe that is affecting my business in a very dramatic way. I have given them my phone history, text history and still no aid has been given. If you look at our two year history of this account, there is no other transactions that even come close to these transfers. It is common sense that these have indeed been fraud, but I have been left with nothing and no protection. If anything, I have been treated like a criminal by Chase by them continually closing out my claims without asking me a single question. I feel completely vulnerable and not protected by my financial institution. It has been laughable how quickly they have washed their hands of this very serious incident.
Product: Credit card

As a Platinum Card holder, I was denied access to several AMEX and its partner lounges at the XXXX and XXXX XXXX on XX/XX/year> and XX/XX/year> despite meeting all the eligibility criteria outlined in the cardholder benefits. I presented my valid card and travel documentation, but access was refused. The reason provided by the lounge staff and American Express customer service was, capacity issues and lounge partner policies. 

I raised this issue with American Express, and they conducted a very long yet unfruitful investigation. Their explanationblaming partner policies and capacity constraintsdid not address my concerns and failed to meet card member benefits adequately. I feel this response contradicts the advertised benefits of the card and the assurance provided to cardholders regarding lounge access and benefits. It also invalidates the over {$600.00} cardholder fees that promises these benefits. 

This incident caused significant inconvenience during my travel and diminished the value of a benefit that was a key reason for choosing this card. American Express has failed to honor their advertised benefits and has not provided a meaningful resolution. 

Desired Outcome : 1. Remediation for the inconvenience caused, such as compensation and/or a membership fee adjustment.

2. Assurance that American Express will take steps to ensure lounge access benefits are upheld in the future. 

I am seeking the CFPBs assistance in resolving this issue, as the companys failure to honor its commitments and its lack of accountability and unprofessionalism are unacceptable. 

This description ensures your experience is clearly communicated while focusing on a resolution. Let me know if youd like to refine it further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have an employer and I've asked the TransUnion, XXXX credit reporting company to leave that space blank and they have ignored me. 

The employer status has been reported for over 10 years to date by Transunion, XXXX. XXXX finally removed the employer status and post office box from my report this week. 

I requested for my telephone number to be removed from my credit file reported by XXXX and any other credit reporting companies that are reporting in my name. 

Experian is reporting a post office box for my address which the mail is undeliverable and belongs to someone else. 

I've asked them not report any variations of my name only report my first and last name. 

Also, I requested to not report my social security number and birth date on my report they ignored that too. 

I requested my free credit score from them but I was told I had to pay for it.
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. 

Account Name : XXXX  XXXX XXXX  : Date Opened : XX/XX/XXXX Account Name : XXXX  XXXX XXXX  : Date Opened : XX/XX/XXXX Account Name : XXXX : Date Opened : XX/XX/XXXX Account Name : XXXX : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX, XXXX. : Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 a 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 item 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased a pair of XXXX XXXX through XXXX. The order number is XXXX. On XX/XX/XXXX I received a sealed, yet completely empty XXXX XXXX envelope with tracking # XXXX. The package weight was 1lbs or less, obviously and empty envelope. 

I contacted XXXX to file a dispute. They told me to send a message to the seller to try to resolve it. The seller responded and basically said they sent the item they aren't going to do anything to resolve the issue. They told me to file a claim with XXXX  XXXX. I explained that wasn't acceptable. I contacted XXXX and explained the situation. They said they would get me a refund if the seller didn't resolve the issue by XX/XX/XXXX. 

I spoke with XXXX again today as I haven't heard back from the seller of the item and requested a refund. They now directed me to PayPal and said they can't help me and PayPal would need to take over from here. 

I contacted PayPal and explained my situation and that I wanted to reverse charges as I have been a victim of fraud. The first agent hung up on me when I asked for their legal department. The second agent I spoke to told me to file a police report and then MAYBE I could get a refund. I asked to speak to a manager and waited on hold for 26 minutes before I spoke to " XXXX ''. Nice enough guy, but still didn't do much to help. He just said to check back in 10 days. 

It's clear that this is a pattern of PayPal. They do not intend to help consumers with disputes or matters of fraud and instead try to make the consumer go through unreasonable steps after being taken advantage of. I'm sure they save millions by making consumers go through unreasonable steps as most consumers don't have the time or resources to complete the scavenger hunt PayPal puts them on. I called my local police department and they laughed and said there was nothing they could take a report on. There's no criminal law broken when someone sends you an empty envelope. They said its a " civil matter ''. 

So now, I am just a solo consumer trying to battle with two behemoth companies XXXX and PayPal. As they are both refusing to refund my payment I have no option but to eat the loss. Or file a smalls claims lawsuit which would cost me nearly as much as I am trying to get refunded. I am hoping the CFPB can help me rectify this matter as soon as possible.
Product: Consumer Loan

On XXXX XXXX I went into my auto loan website to make a payment as I normally do each month. I received a " website experiencing difficulties '' message try again later. 2 days later I tried again and the process completed. On Tuesday morning when checking my bank account I noticed 2 payments processing at the same time one after another. The duplication was obvious and since it was in the " processing " I called my bank right away - my account became overdrawn by {$600.00}. My Bank ( XXXX XXXX XXXX ) told me to contact the loan bank ( Wells Fargo ) I called them and asked them to please correct the duplication since it had not completed processing. The customer service person worked with me and got back to tell me there would be a refund within 48 hours. After Thursday and no refund I contacted them again ( Wells Fargo ) and they checked the notes and told me the refund was processing. I was in bad condition with my account with {$140.00} more in nsf fees and items returned. I had to file a claim with XXXX XXXX XXXX for the duplication and they helped me a bit by crediting back the payment. After XXXX weeks I never received the refund and when I called Wells Fargo the story changed now, they credited my second payment to XXXX XXXX - almost 2 months after the website issue. I am still struggling to get my budget back to normal but it has been hard. Now I am unable to resume making payments in the Wells Fargo site and they are blocking my bank account number from being used. When I contacted my bank ( XXXX XXXX XXXX ) to lift the hold, they stated they had no hold and Wells Fargo initiated the hold., Wells Fargo will not allow me to resume my online payments and I am being charged {$86.00} in late fees. This is more than predatory in nature, it is dishonest and bad. I do not earn that much and it has been difficult for me to try to catch up with the damage that continues. I am thankful at least my bank helped me a bit but this nightmare is not over.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT ALREADY SUBMITTED. # XXXX I NOW HAVE THE INFORMATION FROM MY XXXX LOAN DEPT  AT MY BANK PROOFING THAT TRANSUNION IS CONTINUALLY REPORTING INCORRECT INFORMATION REGARDING THIS MORTAGE LOAN. IF YOU NEED IT TO SETTLE THIS PLEASE LET ME KNOW THE NEXT STEP. IT HAS BEEN 13 DAYS NOW SINCE I FILED WITH YOU XX/XX/20. I UNDERSTAND THAT I SHOULD GET SOME KIND OF NOTIFICATION WITHIN 15 DAYS. THANK YOU AS YOU CAN SEE I AM PRETTY UPSET ABOUT THIS IRRESPONSIBLE REPORTING ON TRANSUNION 'S PART AND THEY ARE DOING NOTHING TO RESOLVE THIS. I HAVE DONE ALL THE LEG WORK FOR THEIR MISTAKES. AND IT'S MY CREDIT REPORT THAT IS SUFFERING. 
TRANSUNION MAKES IT ALMOST IMPOSSIBLE TO CONTACT THEM TO RESOLVE ANY ISSUE. I HAVE ALSO WRITTEN TO THE CEO OF TRANSUNION ABOUT THIS. 
NO RESPONSE XXXX XXXX XXXX. XXXX  XXXX XXXX IL. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First off I am the victim of identity theft, someone used my info to open up a few accounts in my name sometime in XX/XX/XXXX - XX/XX/XXXX I realized this when I was denied a loan from my bank and the loan officer showed me my credit report last XX/XX/XXXX. 

I have tried my hardest to fix this without paying a service to help me, I want to buy land to build a house not get more monthly payments. 

Experian fraud depeartment misread my FTC ID theft report, and deleted the wrong account off of my report, well they also sent a block request to the other agencies, as well as sent a letter to XXXX XXXX who closed my account today because of Experian misreading dates, as well as amounts and just assumed it was the same thing. 

I have tried to contact them to fix this problem before XXXX XXXX closed my account today, and the fraud depeartment st experian admitted that there employee messed up and just assumed they where the same accounts but they are 100 % unwilling to help me fix there mistake and tell everyone that they sent false alerts to that they messed up and that the account is in fact mine. 

I just dont know what to do, now because of this mistake on there employees behalf, XXXX XXXX has closed my secured credit card account that was due for a unsecured review in literally 5 more days : -/ it's so wrong that there company can have the power to make XXXX XXXX close my account because they messed up, and the worst part is they sent XXXX XXXX the notice AFTER I talked to the rep so they are not doing anything to fix it : -/
Product: Debt collection

Several friends and family contacted me that a company called XXXX at XXXX used illegal phone tactics. In particular a person identifying herself as XXXX XXXX, like telling them they have a file ( # XXXX ) and they needed to talk to the owner of the property I live in regarding a legal issue against me. I have at least 3 people who corroborate XXXX XXXX tactics. When I called XXXX, she refused to provide any info such as their address, and hung up on me.
Product: Credit card

My father passed away XX/XX/XXXX. His wife spoke to Bank of America and they confirmed my father XXXX XXXX was the sole borrower and had two authorized users. Around XX/XX/XXXX I received a collection call attempting to have me pay the card. They advised that in their system I am the lone account holder and am financially responsible. The account in question was opened while I was a minor, and so it would not be possible for me to own the account as well. 

I have a car loan with Bank of America, and I believe they are using my information from that account and are trying to commit fraud in order to get me to pay something I am not responsible for. I spoke to multiple representatives and all of them kept telling me I was the coborrower. I never applied for this card, never used it, never paid it, or did anything in connection with that card at any time. I was an authorized user for years, and never signed anything to change that. 

I advised them of the error around XX/XX/XXXX and yesterday, XX/XX/XXXX. They have reported it to my credit and now I have to figure a way to fix that. It is the only derogatory mark on my credit, and it will be having a very negative effect on my career as a mortgage loan originator. I need to get this resolved, and Bank of America doesn't seem to care about the facts or even want to research the matter in a timely manner.
Product: Credit reporting or other personal consumer reports

I WAS RECENTLY NOTIFIED THAT MY INFORMATION WAS INVOLVED IN A DATA BREACH AND SOMEONE TRIED TO OPEN A BANK ACCOUNT IN MY NAME. I PULLED MY CREDIT REPORT AND NOTICED INQUIRES THAT I DID NOT AUTHORIZE, AND I DIDN'T TRY TO OPEN ACCOUNTS WITH ANY OF THESE COMPANIES. PLEASE REMOVE THE FOLLOWING INQUIRES AS THEY WERE NOT AUTHORIZED BY ME. 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
Product: Payday loan, title loan, or personal loan

Good Morning, I received a loan with the company Netcredit in XXXX of 2020. I must admit at the time I was beyond desperate, my XXXX XXXX was a XXXX months out of XXXX XXXX and medical bills was killing me. A couple weeks after I lost my main source of employment. However with my children child support I maanged to scrape by and make payment to avoid credit reporting. The original loan was {$3000.00}. I have been making payments since XXXX, however the company is saying that i have a balance of {$2500.00}. How is that possible? On XX/XX/XXXX, I lost my dad, had to take emergency leave to go to the XXXX, I sent an email to the company to let them know that i will not be able to make a payment, however they tried to withdrew payment, sending my account in negative. 
I tried having loan refinanced as I have never missed a payment and was unsucessful. Please help in anyway dealing with high interest company. I am struggling to get by, honestly can't afford XXXX XXXX monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX and submitted a letter from the Bankruptcy Court who stated and verified they do not share personal information to third party agencies. I have not given XXXX any rights to share my personal information nor have I signed a release to release my information. I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor or Court to receive and publish my personal information.

2. The contact information for the Court that provided my personal information 3. The name of the person who verified the item to you and proof of my signature that you had permission to search for my information, publish it and share my personal information.

4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth and a signature.

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I learned that I had been a victim of Fraud for over 20 years. I was born in XX/XX/XXXX, and there had been accounts in my name dated as far back as XX/XX/XXXX, when i was only 6 years old, far before i could legally apply for anything. I immediately filed a 90 day fraud alert and had a credit repair service further investigate. They were able to prove to all companys ' for which had fraudulent accounts, inquires and background information in my name, that i had not opened or consented to any of these accounts and consequently all accounts were removed/deleted from my report, besides these 4 inquiries that remain on my report with XXXX. I have had two different credit repair companies, again, try to prove that i did not consent to any of the below listed inquiries, sending in disputes of the information at least 5 consecutive times. I eventually began to receive letters from XXXX stating that these companies would not remove the inquiries as they were found to be " a factual record of file access ''. Again, I state that this is not true, i did not consent to the below inquiries and I request that they be removed immediately. 

( 1 ) XXXX XXXX, XXXX ; XX/XX/XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX