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

I had XXXX fraudulent transactions from my Wells Fargo checking account amounting to {$730.00} between XXXX. My wallet was stolen I immediately filed a police report and disputed the fraudulent transactions. After XXXX  days, I was notified that my claim was denied after an extensive investigation. They're saying it was because my pin was used, in which I have no knowledge to how it could be used. I was also told there is no appealing process and the case is closed. The decision is unacceptable in my eyes because I have no clue how it could have been a thorough investigation after me making contact immediately and filing a police report immediately. There is nothing that I wasn't willing to do to help the investigation. Wells Fargo didn't keep in contact throughout to give an updated or communicate what could help. The decision was just made on the 10th day which seems rushed.
Product: Money transfer, virtual currency, or money service

Venmo did permanently limit my account on XXXX of XX/XX/ with the promise to release my funds 120 days later. however they keep my account locked! I can not add a new bank account to withdraw my funds. Venmo does not reply to my emails! it looks like they just fool people keep them waiting and hope that they forget about their funds! Venmo owes me {$1500.00} and I want my money!
Product: Credit reporting or other personal consumer reports

I am writing this complaint to report a case of identity theft involving fraudulent addresses and accounts. I believe that my personal information has been compromised, and unauthorized accounts have been opened in my name. Below are the details of the fraudulent addresses and accounts : Fraudulent Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX  XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  - Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX I request your assistance in investigating this matter and taking appropriate legal action against the individuals responsible for this identity theft. I have taken the necessary steps to secure my accounts and personal information. Please let me know if there are any additional details or documents you require from my end. I've attached a copy of my ID, Utility Bill and my Social Security Card. 

Thank you for your prompt attention to this matter. I look forward to cooperating with your investigation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the comp any 3 times ( 2 ti mes by email (   XX/XX/XXXX   &   XX/XX/XXXX ),   they responded that they ca n't discuss via email ) So I sent an actual letter by mail on   XX/XX/XXXX   regarding a derogatory/collections item that I discovered on my credit report.  <P/> This refers to my  XXXX  account #  XXXX , loan date   XX/XX/XXXX ,  23 month term, that I believed, and also had received email confirmation that this was paid off  on  XX/XX/XXXX .   <P/> My credit report shows a past due balance of {$110.00}. I included a check for this amount to pay off my balance in full when I sent this letter as I did not know this was still outstanding. Then I asked them to remove this derogatory item for   XXXX   off of my credit bureau report. Especially since this is the only derogatory item I have ever had on my report.  <P/> This loan was paid off as  of  XX/XX/XXXX  which was within 3 months of taking the loan out. The loan term was 23 months, so Im not sure how this small {$110.00} balance could even be considered late, even if I do owe it, and could then be reported to collections, even if this was a misunderstanding, because the loan is not technically past due until the end of the loan term, which wouldnt be u ntil  XX/XX/XXXX  . I received no correspondence from them that anything was late, past due, or still owed. In fact, I receive emails from them all the time about getting another loan because of my outstanding payment history.  <P/> After all of this, they have cashed my check for the {$110.00}, but still have not removed the derogatory item from my credit report that was put there in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm continuously having issues with XXXX and Equifax removing inquiries that they're inaccurately reporting. I've going back and forth with them about inaccuracies they're reporting and am fully aware of they're violation of my consumer rights. These fraudulent and predatory practices are a hinderance to my credit worthiness and outright wrong.
Product: Checking or savings account

I sent a wire to Coinbase company on XXXX/XXXX/XXXX and per their web site it should credit my account same day or next business day, till date XXXX they dont reply to my inquires nor do they have a phone number to call them. I emailed their bank XXXX XXXX bank and they told me that they received the wire same day I sent it and credit it to Coinbase account. They have kept my money for 5 days and Im getting no where with them and feel I got scammed or they are utilizing my funds to make profit. Please help me as I feel so desperate at this point Wire amount {$15000.00}
Product: Consumer Loan

Good Morning, on XX/XX/2016 I began the process to refinance my car through Exeter Finance Corp. I went on line and clicked the " get payoff amount '' on the website within my account window. I took the screen print of my payoff which was XXXX to my credit union. On the same day I completed the application fort he refinance of my XXXX. In XX/XX/2016 I noticed Exeter was reporting XXXX to my credit bureau. At that point I contacted Exeter an was told that the amount is under investigation and I should call back in a few days time. On XX/XX/2016 I received a letter from my credit Union indicating that they are still waiting for the title from Exeter so that XXXX ( my credit union ) can now become the lean holder. On XX/XX/2016 I contacted Exeter again and spoke to XXXX about my outstanding balance. She verified that I did have a have a 10 payoff time frame which was met and that she is not sure why I have a balance. I asked to speak to a supervisor and was transferred to XXXX. He indicated that my balance was still owed because I did not contact customer service via phone instead of acquiring the pay amount l via the internet. Next I asked him can he retrieve the amount I would have been quoted under the " pay off tab '' in XX/XX/2016. He said he has no way of accessing that information. that time. Lastly, on XX/XX/2016 my payoff became effective XX/XX/2016 however the process date was XX/XX/2016 which was told to me by XXXX a customer service representative at Exeter. As of today XX/XX/2016 I owe XXXX since this balance is accruing. I do not agree with Exeter 's decision to disregard my payoff amount generated via their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, the XXXX quoted the credit report score at XXXX, this, with two collections and a ( n ) written off/charge off indicated on the credit report. The XXXX is indicating a ( XXXX ) XXXX with no collections and no charge-off/written off. I'd like the XXXX, Equifax and XXXX notified to uplift the score given the current status of the erasures and deletions. XXXX, I'd like a score legible for the credit cards ', etc.. 
Thank You! XXXX XXXX XXXX XXXX XXXX XXXX! 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out payday loan with Amscot then got real sick and was in hospital and to top it off my land lady called and said I have to move in 30 days so I have to come up with money to do that.Amscott keeps calling harassing me. I can't pay one lump sum like they want I want to do right thing and pay my debt by setting up payment plan but they won't let me.
Product: Credit card or prepaid card

On XX/XX/2021 a fraudulent charge was made against my Apple Card by a merchant listed only as XXXX in the amount of {$340.00} I disputed the transaction on XX/XX/2021 at which time Apple gave me a provision adjustment. 

With no further communication, they reversed the credit on XX/XX/2021. 

I have no records of this purchase and Apple has provided no evidence to support their reversal.
Product: Mortgage

Loan Depot had contacted me about refinancing my home mortgage. I gave them an application, working with XXXX XXXX. He knew I was also applying at my credit union for the refinancing. Loan Depot sent me a loan offer, along with the full HUD statement. 

XXXX had told me Loan Depot could match or possibly do better than the offer I was waiting to receive from my credit union. I sent XXXX the HUD statement from my credit union 's offer, as he had requested. 

XXXX came back with a better offer than his original offer, but it was still significantly higher than the credit union offer. He stated he could not do any better on an offer. He and I agreed the credit union offer was the better one, and that I should pursue that one. We agreed I would not take the Loan Depot offer. 

Today, XXXX XXXX, 2021, I received from Loan Depot in the mail an " Adverse Action Notification '' and " Statement of Credit Denial, Termination, or Change. '' The reason given is " Credit application incomplete ''. There is also the statement, " APPLICATION DECLINED. '' I spoke to " XXXX '' at the Customer Care department, who told me the computer automatically defaults to the Adverse Action Notification. I told him this was mistaken and not factual. My application was, indeed, complete, and I had received an offer of a loan from Loan Depot. He told me he could not change the information, and he could not reach a supervisor. He said he would have a supervisor call me tomorrow.
Product: Credit reporting or other personal consumer reports

XXXX XXXX SOCIAL SECURITY # XXXX Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

Unauthorized Inquiries : Inquiry Name : XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX Removal date XXXX XXXX Inquiry Name : XXXX XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX  Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX Removal date XXXX XXXX Inquiry Name : XXXX XXXX  Removal date XXXX XXXX Inquiry Name : XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX  Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX  Removal date XXXX XXXX Inquiry Name : XXXX XXXX  Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX  Removal date XX/XX/XXXX Inquiry Name : XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX  Removal date XX/XX/XXXX Inquiry Name : XXXX Removal date XX/XX/XXXX XXXX
Product: Debt collection

I FAUGHT LONG AND HARD ALONG SIDE WITH YOUR HELP AT CFPB AND THIS XXXX XXXX WAS DELEATED FROM MY FILE AS WAS PROVEN NOT TO BELONG TO ME AND THIS REAPPEARED ON MY CREDIT REPORTS, I NEED YOUR HELP AGAIN PLEASE TO DELEATE THIS FROM MY REPORTS PLEASE?.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I sent written instructions expressing my decision to opt out of having XXXX/DEPT OF ED reporting on my consumer report. I no longer want the experiences and transactions between XXXX/DEPT OF ED and I reporting on my consumer report. Transunion, XXXX, and XXXX  are unaffiliated third parties to XXXXDEPT OF ED. Transunion, XXXX, and XXXX have no right to post incomplete information furnished by XXXXDEPT OF ED that I have previously disputed.
Product: Credit reporting or other personal consumer reports

XXXX & Experian are inaccurately reporting the account XXXXXXXX XXXX  Account # XXXX it is listed as a charge off but that is not correct. Any account charged off with a balance is should be refunded to the consumer furthermore neither agency provided me with evidence that this account is indeed a charge off. You will need to provide the documents or turn any recording you have that proves you spoke to someone to verify this information before you furnished it on my consumer report. It is my right under FCRA that each account be properly validated.
Product: Credit card or prepaid card

This is about a Consumer Credit Transaction initiated on XX/XX/2023 with Indigo financial institution executed by the way of signing an Agreement ( Document ). 
As per 15 USC 6827 ( 3 ) The term document means any information in any form.

The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for the right to opt out of certain sharing. 

In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, this institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX & XXXX ) XXXX According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. 

Further, pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named XXXX, XXXX and XXXX are nonaffiliated third parties and this institution has violated the provisions of 15 USC 6802.

This institution has also violated provisions of FCRA ( Fair Credit Reporting Act ).

Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ), the consumer report will not include any information communicated among persons related by common ownership or affiliated by corporate control. 

Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons.

Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws.
Product: Debt collection

I have reached out to the collection company multiple times asking that they send proof of any and all documents to prove that I have done business with them directly and that I owe them directly. They are not able to provide that. Ive also requested they show proof that they have a license to collect in the state of Texas. They cant prove I owe them this alleged debt and I am prepared to file a police report for fraud and identity theft.
Product: Debt collection

This is now the third complaint I have filed against NMAC. I mailed off an Affidavit of Truth, Debt Validation, and Cease and Desist Letter in NMAC had 30 days to respond. NMAC continues to dance around the facts that I have stated and I am disappointed in how the situation is being handled.

NMAC continues to violate my rights as a consumer and continues to take advantage of me. NMAC is in violation of the Truth in Lending Act, Fair Debt Collections Practices Act and Fair Credit Reporting Act.

In the previous complaint, NMAC provided the contract in which this consumer credit transaction was started. The contract showcases many violations that I have been stating before. The first violation in the contract is the seller-creditor section. I as the consumer am the original creditor, which is defined in 15 usc 1692a. Since I am the creditor, my name should be listed not XXXX XXXX of XXXX. XXXX XXXX of XXXX being listed is violation of the FDCPA 15 usc 1692j.

Among the many other violations NMAC continue to avoid, in the contract they provided, there is a section for XXXX insurance stating if the creditor requires insurance it will be included in the finance charge. I am the original creditor, my insurance should have been included in the finance charge. Again, another violation of 15 usc 1605.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Approximately 3 years ago, I opened a Sears Citi MasterCard at the urging of a store clerk but the card was closed about a year later ( over 2 years ago ). After the cIosure, I spoke with a Sears customer service representative who encouraged me to sign up for auto-pay to pay off the balance. I was told that the payments would go to the balance until it was paid off. Knowing that I had a substantial balance on the card, I just kept making the payments for over two years. This XX/XX/XXXX I decided to call the company on XX/XX/2017 and inquire about my balance because I had no online access to look at the balance. To my shock, I was told that the balance had not changed one bit! I was told that all the payments which totaled thousands of dollars had gone to paying the interest and XXXX, which was NEVER disclosed to me. Apparently, every month, XXXX was getting part of the payment made. When I began disputing this, the Sears rep removed XXXX and transferred me to an XXXX rep. I was then told that they would need 30 days to investigate. Thirty days passed so I called back and was told that they would need another 30 days. I wrote a letter to XXXX on XX/XX/2017 because I was told that there was no other way to reach anyone in that department and that they make the decisions. I have yet to receive any response from either XXXX or Sears. Sears has taken no responsibility and XXXX obviously does not care. Sears continues to force me to make payments for a balance that should have been paid off or close to being paid off and tell me that if I do n't make the payments, my credit would show that I am behind. As the only one working in my family, I can not afford to spend another couple of thousand dollars paying on this card. Sears and XXXX are literally taking food out of the mouths of my family members and they do n't care!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint against all 3 major credit reporting agencies. 

I've submitted a letter to the credit bureaus, Experian, XXXX, and XXXX, on XXXX XXXX. This letter asked for detailed information regarding how the account information on my credit report was investigated and validated. Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act states that the credit reporting agencies are required BY FEDERAL LAW, to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. 

I have demanded to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that they have on file for the accounts list below that appear on my credit report. These inaccuracies have hurt my ability to obtain credit. 

Under the FCRA, any unverifiable accounts must be removed from my credit report and if they are unable to provide me a copy of verifiable proof for these accounts listed below, they must be removed from my credit report. 

I demand that these accounts be removed from my credit report immediately seeing as that this investigation has gone on longer than 30 days and there has not been any verifiable proof ( i.e. an original customer signed contract with my signature on it ) presented within the 30 day investigation window. 

The accounts in question are listed below : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

I have a parent loan with Nelnet that I have been paying online since XXXX. I have a student loan for each year that my daughter attended college, one for freshman year, one for sophomore year, one for junior year and one for senior year. I made all payments on time, sent extra payments and never sent a payment late. The website was set up in such a manner that I could only make a single payment and the company dispersed the payment to each individual loan ( the website has now changed and now there is an option to apply a payment to each loan individually ). On XX/XX/XXXX, I paid {$550.00}, which was more than the required minimum payment. The record shows that the company did not apply the payment to the principal and took the entire amount and applied to interest. I called the company multiple times to fix this error and it was never fixed. I was told that the company made a computer error and did not pay three of the loans in XX/XX/XXXX with the money that I paid and as a result interest accrued for lack of payment. As a result, I had to pay the interest in XX/XX/XXXX. Not only does this not make sense, but the company should fix the error and reallocate the funds, apply the payment to the balance and reimburse me the interest that was charged on an inflated balance. No one has returned my calls, sent me an email, addressed the problem.
Product: Debt collection

I received a call and then a letter from AvanteUSA claiming to be a debt collecting agency for almost {$4000.00} for XXXX XXXX XXXX XXXX. I have never been there. I called the hospital and verified that they have no account under my name with my address or my birthdate. I called AvanteUSA, spoke to a woman who stated that her name was XXXX XXXX, and she stated they received the debt from " XXXX XXXX ''. I advised that I have never received care at that hospital and I believed this to be a fraud attempt. She stated that she would " remove that address from the account '' but did not state anything about a date of birth or social security number. When I told her I thought this was a scam that was part of a larger " credit repair '' scam, she hung up on me. 
This is the third time that a XXXX family member has experienced this. One of those times resulted in additional fraud from the " credit repair company '' that is listed on XXXX to " help with fixing credit from negative credit reports from AvanteUSA. ''