23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Received XXXX XXXX Cards I did not request from CASH APP. I do not have a cash app account and wanted to know the balance and how long they have been open. The customer service rep was obstinate and refused to put me in contact with a supervisor and proceeded to tell me my case was closed with no real resolution as to why we received the cards or the information they possessed. 

To resolve the issue they requested I send more personal information and pictures of the cards, so they could " close '' the accounts. Therefore making customer service useless and the whole experience very questionable.
Product: Consumer Loan

I had a home equity loan with Bank of America. It was paid off almost two months ago. I received nothing and all information was removed from online so on XXXX XXXX I called and I told them I wanted an accounting of the payoff since there was noting online. They told me I was to receive a {$260.00} but did not send an accounting which at this point I demanded. I reiterated several times my request for an accounting bringing all information current from my last statement. Subsequently I received a check in the mail for {$110.00} with absolutely nothing else - NO explanation as to how that amount had been arrived at. I called on XXXX XXXX an again demanded an accounting of all activity in the account from the date of my last statement up to when the issued the check. Instead of an accounting today ( XXXX XXXX ) I received a letter saying that the lien on my property was released and I could contact the country recorder to verify it. STILL no accounting. I called Bank of America once more and demanded to speak to the legal department. I got the total run-around. The person who was screening my calls said she had to have my credit card number so she could identify me. I had given her the loan number probably 10 times and explained numerous times that this matter had nothing whatsoever with a credit card. I came to realize that Bank of America is withholding financial information from customers to which they are entitled and no matter what you do you simply can not get that information. I figured if this is their policy they must be making XXXX dollars on the innocent public. I intend to find a lawf irm that is interested in filing a class action suit against them. Manwhile I felt they should be registered here. All I wanted was an accounting from my last statement through to when they issued the refund check and how the amount of the check was determined. I have a right to know that information but they refused to give it to me.
Product: Debt collection

Collection Service Center contacted my employer about a debt I was never billed for by the original creditor, never billed for by their company, nor made aware of in any manner prior to their contact. My receptionist took placed a message on my desk which read " Credit company called, they are attempting to contact you regarding an unpaid debt to XXXX XXXX, please return their call. '' No attempt at all was made to protect my privacy, the most the caller should have stated was their name, that it was a personal call, and a number where they could be reached. After their contact I checked my credit online and found the debt listed on my credit report. I attempted to contact the number she gave me as well as the number listed on the credit report, however, after much searching I discovered they had given and reported an incorrect area code ( XXXX instead of XXXX ). They do not answer their phones during the day, they require that you leave a message and a phone number. I can not be reached at my home number during the day and do not want them contacting me at work again so I refuse to leave my number. They have not responded to any of my correspondence.
Product: Debt collection

I received a letter from Quest Legal Group stating I owe XXXX installment loan in the amount of XXXX but they would settle for XXXX.I called the number listed no one ever answers the phone left message explaining I have never heard of or got funds from a company called XXXX.Asked for documents related to this loan with my information.Have not received any documents from them but did receive an additional letter threatening court summons if I did not pay the XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a transaction was authorized in XXXX, without me knowing or approving Somebody was able to violate my Wells Fargo on line banking security and send money from my checking account through XXXX ( to somebody i do not know for XXXX $ ) and a second charge direclty on checking account for {$1000.00} ( Wells Fargo states still under investigation ) Regarding XXXX transaction, bank will not refund back as it states it was authorized by myself, though the authorization was done by somebody that hacked this account ( I have attached proof of change in phone number associated to my account, without my authorization ) In summary, my online banking account was hacked the hacker changed phone number ( as if he were me ) to authorize a XXXX transaction Wells fargo security was not able to avoid that I had to restate my phone number and open new account to continue operating Wells Fargo states that i authorized this transaction. In fact it seems authorized under my credentials, though my credentials were hacked and changed with no protection from Well Fargo ( all info and proof attached below )
Product: Vehicle loan or lease

I purchased a used car for with a purchase price of less than XXXX. They used Credit Acceptance Corporation to finance my loan. The interest with them was around XXXX which was extremely high. I had major issues with the car. After the struts were done by the dealership, the car literally had to be welded back together due to the fact that it was too dangerous to drive. On top of this, they installed a Starter Interrupter Device on my car which I was not aware of. I was not informed of this, instead, I was told that there would be a system if the car were to get stolen. I found out that there was a tracking device that was put onto my car without my knowledge that was " wired '' from the pedal to the steering wheel. The problem is that the device was malfunctioning and becoming very dangerous for me to drive. I called CAC back in 2019 to inform them of the dangers of this and they would not give permission to the dealership to replace the device or remove it. The device became more and more dangerous and started causing electrical issues with my car to the poinXXXX I was getting XXXX XXXX from the pedals in the car from the wiring. There was literally a live wire coming from the device. I wound up in the XXXX  and XXXX XXXX and have racked up over XXXX in medical bills and I have a car I can not drive due to the fact that it is too dangerous. The mechanics told me that the device screwed up the electrical system in the car and the one mechanic said that it had a live wire coming from it and that is why I was getting XXXX and XXXX from the car. These devices can be dangerous and Credit Acceptance knew about the issues and would not do anything to fix this until the car was paid off in full.
Product: Credit reporting

I had my report pull a XXXX 2015 and discovered some items that were either not mine own personal debt or unverified information. 
1. XXXX XXXX XXXX XXXX ) I have never lived in Texas nor do I have any such account PLEASE DELETE. 
2XXXX XXXX XXXX XXXX XXXX I have disputed this account it was never verified I HAVE CONTACTED XXXX there is no record of account please Delete. 
3.XXXX XXXX XXXX XXXX ) this account has No record and is unverifiable please delete. 
4XXXX XXXX ( XXXX ) This account does not have Date of last activity listed Inaccurate please delete. 
5. XXXX ( XXXX ) This account never done business with this company please delete no verification. 
6.XXXX ( XXXX ) This account was never verified 7.XXXX ( XXXX ) This account was disputed and never verified pleae delete.
Product: Debt collection

On XX/XX/year> had XXXX  police come to help me off the floor no injury. XXXX arrived of which I didn't ask for. I signed a paper refusing them. No treatment was done to me just asking questions not related to this. The officer is XXXX. He also did not like their attitude. I was billed for treatment not served.
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 Account # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights. 
XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights XXXX XXXX Account # : XXXX has violated my rights XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX has violated my rights. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX has violated my rights. 

XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX has violated my rights. 

( XXXX XXXX : XXXX ) Account # : XXXX has violated my rights. 

XXXX Account # : XXXX has violated my rights. 

XXXX Account # : 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 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: Debt collection

Receive a letter from cavalry portfolio about the debt that hasnt been validated, the information incorrect and inaccurate.
Product: Student loan

I have been on an income driven repayment plan with Navient ( f/k/a XXXX XXXX ) and every 12 mnths they need to " update '' your information so you have to re-apply for the income driven payment. I have a husband and they insisted that the only way to not have him on the loan was to switch my plan to Income Sensitive repayment plan. So before my plan was due in XXXX XXXX I called in XXXX, they told me to wait until XXXX, I called in XXXX I submitted my information for the income Sensitive plan. Meanwhile every year I have been paying, at the end of every 12 mnths they have placed my account in foreberance until it re-activates. I have called 5 times and not one person has advised me where my account stands. I have a payment which is due in XXXX which is over double my payment which I normally pay every month. I was told on my third call into Navient that my account would once again be placed on foreberance, I did not request it it was done for the transition time to switch to the new plan. I have an email stating that my plan is in foreberance until XXXX XXXX but my account does not show same. My account is not in foreberenace I have a large payment due in XXXX. I was last told on my last call that my Husband could have been omitted from my plan and I would have never had to pay a {$5.00} fee ( which I was charged twice for ) for to switch plans. And to be able to switch plans to income Sensitive I have to pay the payment of {$900.00} to exit the income driven plan. I was never told this information, I am now stuck with over {$1500.00} that is due in a matter of days that I made clear to them I could n't afford which is why I am on an income plan. They have not been able to help with me since I contacted them in XXXX. I have an account that is going to be past due because not one employee there can give me an answer as to what exactly is going on with my account since XXXX XXXX, everyone has a different answer. I need help, I ca n't afford this and now I am stuck with everything going against me. Not only have I been working to pay my payments every month, I have gotten nowhere. My account has been placed in foreberance so many times my loan is actually larger then the originating amount because I ca n't simply continue through the year to may my payments I have to be placed in foreberance.
Product: Student loan

I completed my IBR paper work over XXXX XXXX XXXX XXXX months ago. XXXX XXXX aka Navient states that they received everything but they are refusing to update my status on IBR. XXXX XXXX is failing its duty to the XXXX and the XXXX as the loan servicer. XXXX XXXX is dragging its feet to push me into default, so that XXXX XXXX can collect 130 % on the loan instead of 100 % of the loan.
Product: Money transfer, virtual currency, or money service

Filed a fraudulent claim with Bank of America for a wire transfer in the amount of {$3900.00} to XXXX XXXX XXXX XXXX  denied to reverse the wire transfer and we were given no reason as to why the claim was denied.
Product: Payday loan, title loan, or personal loan

XXXX uses XXXX XXXX XXXX now owned by Synchrony Bank ) to help its customers finance hearing aids. If you pay a minimum payment, there should be no interest. However, Synchrony communications are extremely misleading. Instead of providing the amount due that would have the customer avoid interest, it instead provides a lower amount due and never explains this or provides the interest avoidance amount unless you call and ask. I am a XXXX ( inactive ) so I knew something was wrong when I multiplied the amount times the 18 months. I asked to speak to a supervisor to complain about their business practices, but I was told they were all in a meeting. I know from other experiences, including the Amazon Charge card, that Synchrony is very misleading compared to other banks. Someone needs to review their business practices, or at least warn prospective customers.
Product: Debt collection

Wells Fargo & Company continues to send me letters despite the fact that I have told them to stop contacting me on over 5 separate occasions. Wells Fargo & Company continues to harass me with letters, phone calls, and aggressive collection tactics. In fact, Wells Fargo & Company also submitted false information to my credit reports, including but not limited to, submitting false address information of myself, as a retaliation method so that it would be difficult if not impossible for me to open an account at another financial institutions because my true address would not pass XXXX/XXXX  checks the other financial institution would conduct by comparing the address I provided with the false address Wells Fargo & Company submitted to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been careless in sharing my information and I'm furious. I am already a victim by XXXX carelessness and now Transition. Recently I went through my report upon finding my information was compromised in the XXXX mess. Now as I tried to secure my information Transition sent a letter with my reference number giving whomever access to obtain details on my report. I have not lived at the address they sent my credit info to in over 15 years. Their actions are completely inexcusable especially after the huge XXXX breech. Now I have to take additional steps, time, and effort. I am certainly filing action. The letter was opened when I received it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal dispute regarding a hard inquiry listed on my credit report that I do not recognize and believe to be unauthorized. The inquiry in question was conducted on XX/XX/2023, by XXXX. However, I have no recollection or record of initiating such an inquiry, nor have I authorized anyone to do so on my behalf. 

This unauthorized hard inquiry has adversely affected my credit score, and I am deeply concerned about the potential implications it may have on my financial well-being. As a responsible consumer, I diligently monitor my credit activity, and this discrepancy has raised significant alarm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take necessary actions to rectify the situation. Specifically, I ask that the unauthorized hard inquiry by XXXX be removed from my credit report as soon as possible to alleviate the negative impact it has had on my credit score.

I understand the importance of maintaining accurate credit information, and I assure you that I have not engaged in any activity that would warrant such an inquiry. Therefore, I implore the bureau to assist me in resolving this issue expediently. 

Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information. 

Thank you for your attention to this matter, and I eagerly await your prompt resolution. 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 


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

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 resulted from an 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 IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX XXXX FDCPA section 807 violation misleading false reporting. There is no way you validated this account with inaccuracies still being reported XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 6 ) I was notified in writing within 5 business days. This account is in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. FDCPA section 807 violation misleading false reporting. There is no way you validated this account with inaccuracies still being reported XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX- 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 de accounts listed IMMEDIATELY! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Citibank is reporting on my credit report charged off which was sold to a debt buyer no XXXX XXXX  sent its inaccurate and I want it removed or I will sue
Product: Credit reporting or other personal consumer reports

cMonths ago, I have sent a letter to the three credit bureaus 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 previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a payment to XXXXXXXX XXXX through XXXX XXXX, there were two payments of XXXX which were only completed and only 1 payment was received, the other was pending because what a customer service representative told me was that Since the payment was exact, they took it as a duplicate and had to investigate it. Since that date, XX/XX/XXXX, I have been calling to see the solution to the case, every time I have called to get a response they tell me that I must wait 72 hours, every 72 hours I call and it is always the same response of 72 more. It's been days, exactly 14 business days and I still have no response. I made that payment personally and in cash. As you can see, for me it is a considerable amount of money that I urgently need to recover. It seems to me that I have waited long enough to get a real response and my money back.This is the case number that I have open in Western Union CASE # XXXX. In their policies they say that they have to resolve the problem in a maximum of 15 days, and that time is about to expire and I still do not have a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been unable to access myequifax.com for the past three days in order to view my account, manage a freeze, or dispute a negative entry on my credit report. I have tried calling equifax as well and gone  through their identity verification process, yet despite providing them with balances to my various bank and credit accounts while directly viewing those balances online, they are unable to verify my identity over the phone.
Product: Mortgage

My name is XXXX XXXX and I'm XXXX of XXXX XXXX XXXX XXXX. I mailed cashier check to Selene Finance on XX/XX/2024 for XXXX payment. On XX/XX/2024, XXXX from Selene Finance called me and said I was late XXXX payments. I asked XXXX to double check on cashier check that I mailed. XXXX confirmed that Selene Finance received payment but somehow it was not applied to XXXX payment yet. I made payment over the phone with XXXX on XX/XX/2024 for XXXX payment. I checked mail today, XX/XX/2024 and I received XXXX letters from Selene Finance illegally changed interest rate to XXXX % permanently and still haven't applied XXXX payment yet. This is illegal business practice when Selene Finance received XXXX payment and still hasn't applied until now, illegal changed interest rate to XXXX  % permanently.