23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Amazon online a good start up credit secured card so I created an acct.started an order using XXXX credit card which they approved an then denied.So I decided to apply for the secured credit card and got approved in {$50.00} or {$100.00} increments to Load.Each time I tried loading {$100.00}, {$50.00} or even {$150.00} it would decline several times with different amounts.Call my XXXX XXXX debit card, they told me card is good and funds are available.When calling Amazon several time, reps would give me the same response NO RE ORD, TRY IT AGAIN ( XXXX ) ... I stopped calling them. So I decided next to try ordering and buying a {$5.00} gift card AMAZON ACCEPTED THAT but NOT for the secured credit.By the way I used the gift card and re ieved the order. Lastly ) in closing I call Amazon back and let them know you accept my card for orders and gift card buy NOT FOR THE SECURED CREDIT YOUR APPROVED ME FOR, then they said I must reapply OBSURED BUSINESS PRACTICES for a HUGE COMPANY.Please help me rectify this and give me what was offered to me.Sincerely, XXXX XXXX
Product: Debt collection

This I C solutions has been on my credit for pro a let the last 10 years and it shouldn't be I've already disputed it with XXXX and they deleted it now it's back again and it shouldn't be
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I hired a content provider order to proved the contents for my website XXXX, using paypal.com since paypal guarantees against fake providers and for products not as described, however this person was not who claimed to be, she turned out to be not qualified and not able to provide the documents as agreed. I contacted paypal in many occasions and they refused to base the facts eventhough i provide the detailed information and files to prove my case, its seems that they are interested on resolving it. I have called many times, filled disputes to only get denied for no reason what what so ever.
Product: Student loan

We were victims of predatory private student loans that were used for non-school expenses. As a result we were forced to declare bankruptcy. After the bankruptcy Weltman , Weinberg & Reis claims they acquired the covered loans when our lender themselves went bankrupt. We have been paying them per the plan but the file delinquent payment history on our credit report each month. My lawyers have sent them letter but they refuse to do anything.
Product: Credit reporting or other personal consumer reports

As per my previous correspondence, I would like to dispute the following collections accounts on my credit report : XXXX. XXXX XXXX - Account Opened : XXXX - Amount : {$210.00} XXXX. XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$570.00} XXXX. XXXX XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$860.00} XXXX. XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$1100.00} XXXX. XXXX XXXX XXXX  - Account Opened : XXXX - Amount : {$2400.00} XXXX. XXXX XXXX XXXX  - Account Opened : XXXX - Amount : {$3100.00} I have thoroughly reviewed my credit history and have found no evidence to suggest that these collections accounts belong to me. Despite my initial dispute, these accounts remain on my credit report, negatively impacting my credit profile. 

I kindly request that you conduct a thorough investigation into these accounts and provide me with a detailed explanation of the findings. It is essential that you verify the validity of these accounts and provide the necessary evidence to support their inclusion on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting the following actions be taken : XXXX. Please provide me with a written confirmation of the investigation conducted, including any supporting documents or evidence collected during the process. 

XXXX. If the investigations confirm that these accounts are indeed inaccurate or do not belong to me, I insist that you remove them from my credit report immediately. 

XXXX. I also request that you provide me with an updated and accurate copy of my credit report after the removal of these collections accounts. 

I understand the importance of maintaining accurate and fair credit reporting. It is imperative that
Product: Money transfer, virtual currency, or money service

The following information is supported by the .zip file of the XXXX chat along with screenshots. I was the victim of a cryptocurrency scam that happened on XX/XX/XXXX, several days before XXXX XXXX. The scam began on XX/XX/XXXX, when I matched on the XXXX XXXX XXXX. In the early conversations, I felt pressured to talk on XXXX instead of the XXXX site. We began talking on XXXX for a week and I shared that I was going to be out that weekend for a wedding. We talked about meeting up after the wedding. During that time, my match began sharing some photos like selfie photos and cryptocurrency " deals. '' I was curious but not too interested. The match said that she'll teach me about cryptocurrency. We tried using crypt.com to purchase cryptocurrencies but luckily XXXX does not allow cryptocurrency purchases with debit cards. Instead, we went onto the coinbase app to do a wire transfer from XXXX bank to XXXXoinbase which uses the XXXX XXXX Bank. The following is the information to which the wire transfer was sent on XX/XX/XXXX : Account number from which the wire transfer was sent : XXXX Name on the account : Coinbase Inc Date : XX/XX/XXXX Wire Amount : {$5000.00} TRN : XXXX The match and I did some XXXX foreign exchange using a fake company XXXX hosted on an open-source web server on the evening of XX/XX/XXXX. Next, the match showed me how to cash out and asked me to put in more money by suggesting ideas such as pulling loans or whatnot. I was firm with my stance that $ 5k is what I am comfortable with. After this conversation, we wished goodnight and the match went offline. This was when I realized that I was scammed out of $ 5k. I looked at the XXXX website again and realized that the website was fake. 

At XXXX, XX/XX/XXXX, I immediately froze all my credit scores and sent a secure message to XXXX XXXX recalling the wire transfer because I was scammed and the wire transfer was pending. XXXX tried to recall the money from XXXX XXXX Bank. The wire transaction/reference number : XXXX The following reply from XXXX is as follows XXXX XXXX was opened on XX/XX/XXXX. 
We received ad fed service message from XXXX XXXX Bank stating " DEBIT AUTHORITY DENIED BY CREDITING PARTY AS FUNDS CAN NOT BE RECOVERED FOR RETURN. ACCOUNT BLOCKED FOR FRAUDULENT ACTIVITY. THIS CASE IS NOW CLOSED. '' As your other option, please consult law enforcement and try to settle the matter directly with the beneficiary. 

What I don't understand is why I was denied because obviously, I was a victim of a scam/fraud. I have the XXXX chat saved which I forwarded to XXXX, contacted Hinge about this account, reported to the FTC, and sent a scam complaint to the FBI. I want to use CFPB to start a complaint about XXXX XXXX Bank and get clarity if the $ 5k wire transfer can be recovered. I will also send an email to Coinbase Inc as well to see if a resolution can be arrived. This scam was a week-long process that happened on Tuesday, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, This is my final attempt to have you willfully abide by the United States law before pursuing formal litigation against your corporation. I have sent numerous reports to your corporation and you have chosen not to comply with the United States law. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card per 15 usc 1681 and 15 usc 1602 ( i ) is ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. CONGRESS SAID ANY CARD, In this case the credit card is my social security card. This card was used to originate every consumer credit transaction below. Every item listed below shall be removed from my credit file immediately pursuant to 15 usc 1681a ( 2 ) ( B ). Furthermore, I have never given your agency the written consent to furnish my credit report pursuant to 15 us 1681B-In accordance with the written instructions of the consumer to whom it relates. Again I am demanding that you remove these transactions from my credit file immediately as you are willingingly violating my rights as a federally protected consumer under title 15 chapter 41. Results of your deletion should only be delivered as a response to my CFPB complaint. If you deliver your deletion results anywhere outside of where I the consumer consented you WILL be fine {$1000.00} for mail fraud pursuant to 18 U.S. Code 1342.

Continuing your non compliance will result in litigation and a {$1000.00} fine per violation. 
Items to be deleted immediately : XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/XXXX I disputed account Jefferson capital for the amount of {$840.00} stating as date open XX/XX/XXXX because I do not recall having this account open. I have disputed asking to verify debt or delete immediately. Credit report shows that account has been disputed, but I have not been notified that account investigation has started nor have I received any sort of documents stating that account has been verified as mine. I have not heard back from bureaus or creditor. This account is not mine. For that reason I have asked to verify or delete immediately. More than 30 days have passed, and I have not heard back from anyone regarding this account.
Product: Credit card or prepaid card

XX/XX/XXXX Ms XXXX USAA lies again to Federal Authority CFPB. NO RESPECT OF AUTHORITY. See attatched statement AGAIN presented to USAA previously XX/XX/XXXX. Beginng bal was XXXX. Credit paid by XXXX XXXX {$120.00} included in the other credits of {$340.00} see it at bottom of page XXXX XXXX Credit and XXXX credit NO USAA CREDITS LEAVING THE BALANCE OF {$470.00} ** AFTER ** AFTER ** AFTER {$120.00} is Removed. THE BALANCE LEFT ** AFTER THE XXXX XXXX CREDITED IS {$470.00} ** MEANS THE XXXX  XXXX  IS NOT PART OF THE {$470.00} BAL REPORTED FRAUD. USAA STOP LYING AND SLANDERING MY NAME. RESPECT AUTHORITY ENOUGH TO TELL THE TRUTH.
Product: Credit reporting or other personal consumer reports

Subject : Complaint of Fraudulent Activity and Identity Theft I am writing to file a formal complaint regarding a distressing incident of fraud and identity theft that I have recently experienced. This fraudulent activity has caused significant harm to my financial well-being and personal life. 

I encountered an individual who posed as an online seller offering a machine for sale. Under the guise of a legitimate transaction, this individual maliciously obtained my personal information without my consent. Subsequently, they used this stolen information to fraudulently apply for credit in my name, with the intention of funding the purchase of the machine. 

To provide a brief overview of the incident : Initial Contact : I initially made contact with the individual, who presented themselves as a legitimate online seller offering a machine for sale. At no point did I authorize the use of my personal information for any purposes other than the intended purchase. 

Identity Theft : The individual, however, misused my personal information, including my name, address, and financial details, to apply for credit without my consent. This act constitutes identity theft and a clear violation of my privacy and financial security. 

Non-Delivery of Product : Despite the credit being approved, I never received the promised product. It became evident that the entire transaction was fraudulent, and the individual responsible for this scam has since disappeared, making it impossible to hold them accountable. 

Harassment from XXXX XXXX  : As a result of the fraudulent credit application, I have been subjected to harassment and undue pressure from XXXX XXXX, the credit card company involved. This situation has added to my distress and has had a profoundly negative impact on my life. 

The implications of this fraud and identity theft have been devastating. My credit profile has been tarnished due to the fraudulent credit application, and the associated consequences have led to significant suffering and hardship. 

I kindly request the Federal Trade Commission to investigate this matter thoroughly and take appropriate actions to address the fraudulent activity and identity theft. Additionally, I urge the FTC to work with relevant authorities to locate and apprehend the individual responsible for this. 
My primary goal is to have the fraudulent credit report removed from my profile and to see the responsible party brought to justice. 

Thank you for your prompt attention to this matter. I eagerly await your response and any guidance you can provide on how to resolve this distressing situation. 

Sincerely, XXXX XXXX
Product: Student loan

It was a loan taken for my daughter to attend XXXX College of XXXX XXXX, in XXXX XXXX, Mn and I co-signed the loan for her. In XXXX my husband and I filed bankruptcy due to a preditory lender situation and this loan was in the the Chapter XXXX filing. United Guaranty owned the loan and filed XXXX claims against us against our Chapter XXXX filing and received payment through our Trustee. United Guaranty had purchased this loan from XXXX XX/XX/XXXX when our Bankruptcy was filed. The Bankruptcy was discharged XX/XX/XXXX. On approximately XXXX/XXXX/XXXX we received letters from XXXX XXXX XXXX and XXXX XXXXstating that they had a debt we owed and it was being sent to collections on a delinquent account we had never received any information or bill on, and had no knowledge of owing. After reviewing our bankruptcy it appears as though they had been paid through the court by claims they had made against us when our bankruptcy was filed. I ( XXXX ) made copies of the claims made and the discharge paperwork and sent it to both XXXX XXXX and XXXX XXXX Firm. XX/XX/XXXX a processor came to our home intending to serve our daughter with papers regarding a judgement against her and we explained the situation to him and that our daughter did not reside with us and we had not had contact with her for seven months. He advised I ( XXXX XXXX ) call the law firm he was representing and explain what I had told him. I did that the next day and was told by XXXX ( representing the law firm ) that they had our lawyers name and he asked me if the name they had was correct which it was and that they would not talk to me they would take care of everything necessary through our lawyer and that was the end of the conversation. I ( XXXX ) made copies of all the documents regarding the claims filed by United, copies of our bankruptcy, and the dismissal document and brought them to the law office of XXXX Law Firm on XXXX XXXX, XXXX again stating that XXXX XXXX does not live here. We have now received documents that there is a motion filed and I must appear in court. To the best of our knowledge they have received their claim amount and the bankruptcy is closed. United Guaranty did not file any further claim when asked by the court to do so before the final discharge was approved. They continue to hassle us and have continually threatened us with judgments and to make false statements regarding our credit to creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I've taken numerous steps to have " Experian '' to correct items on my credit file. However, time and time again Experian has choose to ignore federal law. On or before XX/XX/2018. I've written to Experian expressing my frustration with them not following correct procedures to properly investigate. Incomplete, erroneous, misleading, and out dated/ old account that are way beyond their Statue of limitations in my state of New York XXXX But they refuse to adhere the law by removing or delete these accounts.
Product: Debt collection

Smith and Rouchon Associates very rude company I receive harassing calls from XXXX till XXXX daily the company has been leaving 2 to 3 voicemails daily demanding they hear from me before the day is over I even agreed to set up payments monthly what i could afford they wouldn't accept the payments I wanted to make they demanded I pay what they wanted me to pay XXXX XXXX or XXXX has a very nasty attitude just sick of the harrassment and calls all day.
Product: Payday loan, title loan, personal loan, or advance loan

I initiated a personal line of credit with Citizens One and their partnership with the XXXX XXXX XXXX program and was approved on XXXX 

I immediately setup my account and registered auto-pay using my existing credit union checking account. 

On XXXX I received a late payment notice via text, and immediately called their customer support. I was directed to the website for payment inquiries ; when I logged in I noted that the auto-pay date had been set to XXXXXXXX  ( documented ). As this was not an option for me, it was apparent this was a technical issue on the lender 's end. I attempted to make a manual payment bringing my account current and received an error message ( documented ). 

On XX/XX/ I called back to their customer support line and received assurances that the issue was on their end and this would not impact my credit. The representative manually corrected the auto-pay draft date and initiated a manual payment for the outstanding balance. I immediately received an email thanking me for my payment ( documented ). 

On XX/XX/ I received a XXXX credit report notice including negative feedback from Citizen 's One ( documented ). I immediately initiated a dispute as Citizens had made it clear this was an issue on their end. 

On XXXX  I received a response to my dispute, which included that the lender found the feedback as correct and in fact was still delinquent despite the recent payment confirmation. My credit report even showed recent payments of {$0.00} ( documented ). 

On XX/XX/XXXX  I logged into the Citizen 's One website to find my auto-pay draft date had yet again been set to XXXX and I was unable to make manual payments ( documented ). 

On XX/XX/XXXX  I sent a certified letter to Citizen 's One with the above timeline and documented examples of their failure to provide adequate payment systems, and my willingness and desire to keep the account current. They responded that they found the negative credit feedback to be correct, and included the terms and conditions of the loan. 

I stand by the fact that Citizens One internal systems failures ( as acknowledged on their own recorded lines ) made it impossible to maintain a current payment status using the approved methods they advertised. Their misleading payment confirmation emails and inability to take payment continue to impact my credit history two years later, well after the loan has been paid off.
Product: Bank account or service

I cancelled my Bank of America debit card to stop automatic debits on my account. The vendor in particular was XXXX. After a few months the debit reoccurred on my new card account without my permission. I did not authorize Bank of America to furnish this new account information to this company. I did not provide the information to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following fraudulent accounts are on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX  {$370.00} XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX A {$240.00} XXXX XXXX XXXX   XXXX  {$380.00} Account number XXXX ( no name provided ) {$120.00} I have been trying to get this resolved since last year with no luck. please help
Product: Mortgage

I set up payments with Ditech on or about XX/XX/XXXX for XXXX, XXXX, and XX/XX/XXXX. During the conversation the representative never told me my loan was transferring to another loan servicing company. I set up payments for XX/XX/XXXX - {$600.00}. XX/XX/XXXX - {$820.00} and XX/XX/XXXX - {$820.00}. The XXXX and XXXX payments have been processed. I received a letter from Ditech dated XX/XX/XXXX advising me the servicing of my Mortgage was being transferred effective XX/XX/XXXX, with my payment due XX/XX/XXXX. It further stated that Ditech would stop accepting payments received after XX/XX/XXXX. It said if I was currently participating in an automated payment plan with Ditech, my payment plan would be cancelled as part of the transfer of servicing to XXXX. This is not what happened in my case. Ditech processed a payment through my checking account on XX/XX/XXXX. 
After receiving the XX/XX/XXXX letter from Ditech I started researching to learn more regarding the transfer of servicing. XXXX XXXX  XXXX had a welcome to Ditech customers on their website. It said the transfer date would be XX/XX/XXXX. I am finding Ditech to continue with Deceptive trade practice. I requested a copy of my original paperwork before and never received it. My loan should have been paid off or close to be paid off but the practice is deceptive and as a customer I do not know where I am because they fail to be honest. My loan has gone from XXXX XXXX  to another servicer, to Ditech and now XXXX although Ditech just processed a payment. They are just taking money from me and saying I owe fees and not being honest. Please help this fraud to stop. I filed a complaint over and year ago and it was partially resolved and now this is happening gain. These are scandals to cause homes to be paid for over what they are worth and what was in the original contract. Ditech even changed my loan number a few months back. Their practice is deceptive and unfair. Ditech unlawfully deducted money from my account on XX/XX/XXXX according to the letter they sent dated XX/XX/XXXX. Please help.