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

Scam on XXXX XXXX  involving zelle. Buyer asked to zelle me for a product. Stated they have a business account and needed email. They said they sent money and I received emails that they sent it and the email stated they needed to send XXXX more to make it a business account. They said I would need to send the XXXX back once they sent the money. I sent XXXX $ to them when I received the money. When I got the email that they sent it I send the money and never received any payment in my account.
Product: Checking or savings account

XX/XX/XXXX XXXXAlly bank purposely misled me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX telling us money would be removed from my account " in moments '', " soon '', and " before end of day '' only to wait six ( 6 ) days for the funds to be pulled causing an overdraw and a fee. 

XX/XX/XXXX due to ALLY FINANCIAL doing business as Ally discriminated against me due to physical disabilities by purposely limiting access to funds. 

XX/XX/XXXX on XXXX occasions, Ally bank wilfully denied my ability to wire funds to another account forcing me to pay {$50.00} to have the check sent. 

Check numbers XXXX, XXXX, XXXX were denied when a deposit was attempted. These checks are supposed to be funds from my account. Crippling me financially FURTHER
Product: Credit card or prepaid card

I received a letter on XX/XX/2020 from WellsFargo is stating that a ratio of credit bureau trades with a balance greater than XXXX, and the open and closed accounts that have a balance greater than XXXX for the last 6 month which is incorrect. 

In the last year I had a XXXX XXXX  card with a XXXX balance, XXXX XXXX with a XXXX balance, which are both closed. XXXX Card which is paid in full every month. They are stating that number of revolving bankcards reported by credit bureau which are closed. They are also stating that I had many closed accounts that have been closed for many years, and that they are using this information to make their decision. 

My Credit score is XXXX and have never been denied credit at all for any reason. WellsFargo is also stating that the credit report agency was not involved in this decision and that its soli their decision only. I have been with the bank over 25 years, and had excellent credit and only now they are denying me credit. 

With this information this may impact my credit score and possibly any chances of getting credit with another Bank. I
Product: Vehicle loan or lease

I called Mercedes XXXX XXXX explain to them that want to do a buy back and the remaining I would work sometime if payment arrangements they said they can not do that I would have to come out pocket. I just bought the vehicle on XX/XX/XXXX but I did not feel comfortable with there cars after seeing that they had a recall two of the Mercedes Benz caught on fire where I live. They were parked and started on fire. So I did not feel safe. I did an early lease return on XX/XX/XXXX. I have never been late with Mercedes Financial since I been with them they report me the the credit bureau that Im 30 days pass due that information is not correct. They been calling telling asking for money when I explain to them the lease car was returned with a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # XXXX ; sXXXX On XX/XX/2020, I mailed Equifax, XXXX   and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed 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: Debt collection

I had a {$50.00} per month XXXX hotspot with XXXX XXXX. I canceled the account in XX/XX/2022. However, they kept billing my credit card. I called and reminded them that I canceled the account 3 months earlier. They said they would correct the issue and refund the money. However, they charged me yet again the next month. I called XXXX XXXX and disputed the charges back to XX/XX/2022. XXXX XXXX then sent me a bill for {$190.00}. 
Now they have hired a collection agency demanding {$240.00} and they have placed a derogatory mark on all three credit bureaus. 
I have disputed the claim either all three of them. 
This sounds like mail and wire fraud to me. 
It is impossible to get an XXXX from XXXX XXXX on the phone unless you are opening up an account. All other calls are outsourced to XXXX. 
In my reasonable opinion this is a deliberate tactic to get people to just pay rather than go through all the hassle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for a personal loan with " PROSPER '', with an understanding that, it will only be a soft inquiry, unless i'm approved, during the cause of this, they pulled my credit! and i received a letter stating, they were unable to extend the loan Due to a low Fico and late charges, it seems they were just making up excuses, because non of these is true, my Fico is in the mid 700s, and never been late in anything on my credit, however, i have made several attempts to have the hard inquiry removed, but all efforts proved abortive, this ' a complete deception on the part of this bank " PROSPER ''
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting a Bankruptcy on my account that they claim they validated through the courts. They have falsely verified this debt and completely unlawfully sent documents stating they investigated it. This is FALSE because I myself contacted the courts and they provided me with proof that they DO NOT SEND THEM ANY VALIDATION so why is EQUIFAX STILL REPORTING THIS *FIND ATTACHED*? 

Under the Fair Credit Reporting Act, this item may not appear on my credit report if it can not be supported by any documents or evidence. This account is inaccurate and in violation of Congress law according to US Code 15 Section 1692g. I do not validate this debt as the original creditor. Please remove immediately. Attached please find ALL my identifications and remove it.
Product: Credit card or prepaid card

My Citi Bank Costco credit card was stolen from my gym locker on XX/XX/2021 between XXXX and XXXX. The credit card was used to make a {$500.00} purchase from a XXXX location. Citi Bank alerted me to the likely fraudulent activity via the Citi Bank App. I attempted to use the app to lock the card and report the card as stolen. The app was unable to lock the card of course and gave an error message. I called Citi Bank and reported the card as stolen and the charges as fraudulent. I successfully reported the card as stolen via phone at XXXX on XXXX. A provisional credit was issued to my account. Following an investigation, the credit was reversed and I was held liable for this {$500.00} charge from a stolen credit card. The reason for this reversal is that a request for additional information was mailed to me with a due date in XXXX. I called and provided this information after the requested due date on XX/XX/XXXX. 
I should have called sooner, but I still reported the card as stolen within hours of having it stolen. The credit should never have been reversed and the information they required was not relevant to the fact that the card was stolen.
Product: Credit card or prepaid card

Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. 

Please also stipulate for the record whether or not my loan has been securitized, and if so, the name of the REMIC/Trust my loan is bundled with. 
6 ) If my loan has been securitized, then please provide me the pooling and servicing agreement that names my loan as well as any documentation that explicitly gives you the right to service my loan as well as enforce the promissory note in the event of a foreclosure. If you are hiding these facts from me despite my request, then you are hereby notified that you are committing fraud and shall be named in a wrongful foreclosure civil action.
Product: Credit card or prepaid card

I have been a identity theft victim for years and struggling to get the account erased on my credit report. Since becoming member with XXXX XXXX, they have worked things out and closed almost all the fraud accounts for me, except the one with Capital One ( which we've tried for approximately 9 months ) already. We tried to call them many times ( approximately 10 times ) and nothing ever changed. The amount is {$310.00}. We ( XXXX XXXX and I ) already sent them the proof of residency and things that they required from us. I'm trying to buy a house for my family ( my wife and XXXX-daughter ), but this thing has made my life so hard now. I'm willing to pay that amount if it doesn't affect my credit report negatively, even though it is not my account. I just want to move on. So please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report showed credit inquiries that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 



The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible 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 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 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

Changed terms in XXXX membership rewards shortly after opening of credit card and paying {$75.00} annual fee.
Product: Student loan

My stated minimum monthly payment on the Nelnet website was {$130.00} after getting approved for the Extended XXXX Payment Plan. I setup a monthly auto debit from my checking account for {$130.00} on the XXXX of each month. The month of XXXX went as expected. XXXX did not. On XX/XX/XXXX, I was auto debited {$57.00}. On XX/XX/XXXX I was auto debited {$63.00}. Then on the XXXX I was still auto debited the {$130.00}. I never signed up for, nor approved the first two auto debits during the month of XXXX.
Product: Credit reporting or other personal consumer reports

the credit agency EXPERIAN NEVR provided the documnts from the furnisher they also provided an ILLEGAL paper stating they did contact the furnisher and i did not have to be provieded with the documents that states i gave EACH furnisher consent to report the accounts or unauthorized inquiries
Product: Credit reporting or other personal consumer reports

@ XXXX I attempted to open basic debit/checking acc. at local bank.My application was denied with explanational, to many inquires in last 6 months.Most of them are soft pulled inquires via credit karma but in total at XXXX XXXX over XXXX! 
XXXX XXXX, XXXX and XXXX were not cooperative to remove and corect informations based on my stolen identity including fredulantly added fake address without making official XXXX report. 
Focus of my complaints are related to CREDIT KARMA who made over XXXX + inquires without any consent or notifications related to me as stolen identity also credit bureau without red flag acceptance of growing issue filing fake facts without any responsibility and consequences ruining peoples life.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several student loans that is reporting inaccurate status. They are reporting that I was 90 + days late and this information is incorrect. Please remove this inaccurate status. I was never 90+ days late on the following accounts : Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$5200.00} ; I was never late 90+ days late Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$11000.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$4800.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3500.00} ; I was never late 90+ days late Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$1400.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$6800.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3300.00} ; I was never late 90+ days late Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3900.00} ; I was never late XXXX days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$5300.00} ; I was never late 90+ days late XXXX XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$0.00} ; I was never 60 days late XXXX XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$0.00} ; I was never 30, 60, 90, 120 or 180 days late XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$35000.00}, XXXX, & XXXX ; I was never 30 or 60 days late
Product: Credit reporting

I have disputed several accounts, several times with Transunion and they keep showing it as verified or remains. I have contacted the creditors directly several times for information regarding these alleged debts and they have been unable to provide me with anything to prove these are my debts or they completely ignore my requests entirely. 

XXXX 
XXXX 

I am requesting information on how Transunion conducted their investigation into my previous dispute ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

5ths disputes have been sent through the year of XXXX ; and recently still being updated XX/XX/XXXX and XX/XX/XXXX ; as if my disputes and pointing out several violations never existed. This is my last attempt pointing out these inaccuracies before taking legal actions. On ALL XXXX XXXX XXXX XXXX accounts multiple inaccuracies and violations continue to happen on a monthly basis and destroy my credit! 

1 ) 15 USC 1681 ( a ) accuracy and Fairness of credit reporting has been violated MUlTIPLE times 2 ) 15 U.S.C 6801 protection of nonpublic personal information has been violated on multiple occasions.

3 ) 15 U.S.C 6802 Obligations with Respect to Disclosing Information, I have never received the 3 disclosure forms this law states I am suppose to have received 4 ) 623 5 ( a ) duty to provide notice of delinquency of accounts It is to notify the agency of The alleged delinquency date on the account, which shall be the month and the year. IT DOES NOT STATE to CONTINUOUSLY REPORT MONTHLY and yearly!

5 ) Also, according to the IRS charge offs are considered gross and ordinary income and you are to receive a 1099C from any alleged debt that is above {$600.00}, I have not received this for any XXXX XXXX XXXX XXXX account, So why are these alleged charged off accounts still reporting as debt on my credit report? 

These disputes are not to inform if the alleged death belongs to me it is to point out that these consumer reporting agencies have been in violation on multiple laws and has not been accurate and fair according to the FCRA, and they are allowing these accounts to continue to cause me distress and ruin my credit report! In XX/XX/XXXX, I asked for proof of verification, including the method of communication, documentation used to verify, to whom they spoke with, the date, what number did they call, the creditors address, what position did the person that they spoke with works? That has been longer than 30 days ago and I have yet to receive that! I asked that if they could not provide that to delete all of these XXXX XXXX XXXX XXXX accounts off of my report because it seems like their reinvestigation is computerized Or just telling me, the information is accurate!
Product: Credit card or prepaid card

XXXX sent me two promotional offers for the XXXX XXXX XXXX XXXX cards that I have that were recently forced to convert from XXXX XXXX cards. The offers state that I would earn a {$50.00} statement credit for each after spending {$500.00}. However, XXXX did not send me the XXXX cards when they said they would, and therefore I requested they send me the cards and that somehow changed my account number and they are now saying that the promotion will no longer apply.
Product: Vehicle loan or lease

American Honda Finance strikes again with their ridiculous billing/customer service practices. Due to an ongoing billing issue beginning XX/XX/XXXX, and their refusal to accept their responsibility for the system billing error, I was able to obtain a new refinancing offer from a local credit union in XX/XX/XXXX and initiated a refinance. American Honda Finance was contacted by the bank to obtain a 10 day payoff. In XX/XX/XXXX, I was granted a deferred payment, which was the least the company could have done for their initial botching of correcting the main issue in XX/XX/XXXX. The payoff that was provided, did not include the the amount that was deferred, so American Honda Finance accepting a payoff check for {$32000.00} on XX/XX/XXXX. The current status of the account reflects the account is paid until XX/XX/XXXX with an amount due of {$520.00}. This is completely ridiculous as this amount was for the deferred payment which is actually does not constitute the full amount of the monthly payment which was {$680.00}. The amount of {$520.00} appears to be late fees that American Honda Finance Company assessed on the account from XX/XX/XXXX ( when assessed ), due to the ongoing dispute. This is the reason why they did not include this in the payoff, although they could have. They intentionally did not include this amount in retaliation from the long standing dispute situation, as there is no other reason why they would not have included the entire balance to include any and all amounts due. The intentionally left this amount off, and then later notified the new lender that they did not send enough money to cover the balance. This was malicious and done in retaliation to jeopardize the new refinance offer out of spite for all of the continuous complaints I have filed. 

This is a violation of my rights as a consumer and is a willful and knowing inaccuracy from a malicious place to interrupt my refinance. American Honda Finance has engaged in a pattern of illegal reporting and billing actions throughout the course of my loan which have been retaliatory in nature. They are spiteful and do not follow the law. This is the worse company I have ever dealt with in my entire financial history.
Product: Debt collection

Constant emails in regards to missed payments and owed debt that I do not recognize.
Product: Checking or savings account

Opened account with Wells Fargo, XX/XX/XXXX, the website gave me two options to open the account, in office or online, and had the offer real big on that page for the {$300.00} and I even read through to the terms so I knew what to expect and continued on their website to open the account and then called ( same day ) to ensure Id have the promotion, ( there was no place to enter the promotion code ) the lady said it would be on account after the initial 30 days, called again and again and again, everyone confirmed I would the promotion, and had to wait until first week XXXX and no bonus so I called the first week and the agent told me the deposit of the promo would be made this month due to it being past the 90 day window and then n XX/XX/XXXX I get a letter saying I didnt click on the link to open the account on the webpage, oh yes I did and it gave me a code BUT when I went through the application it never gave me a place to enter the code but definitely opened my account, I knew something was wrong and thats why I called the very first day and have been calling. They scammed me and have been lying to me buying more time for me to have my account open. Now I want the {$300.00} promotion as promised! Just spoke to another woman XX/XX/XXXX and she spoke to a supervisor and they say that they can not backdate this to get me the promotion and want to transfer me to another department to file a complaint, I said sure I am definitely pursuing this as I have spoke to so many people in this company who assured me I would have that promotional deposit this month and still dont. This is false advertising and fraud! I want my promotion.
Product: Checking or savings account

called customer service at Chase bank XXXX and local branch XXXX. Both lines stated they are busy and did not pick up, hung up on me. XXXX XXXX stated this phone issue was " beyond their control ''. 

XXXX phone requires that a debit, account number or user ID be entered. User ID doesn't work and debit card is not activated and I don't memorize a checking account number. Automatic system requires one of the above 3 items to get transferred to CSR for account servicing, or customer is hung up on. 

I am unable to track and receive a XXXX payment. This was the reason for call today. This has been a problem in the past with not receiving XXXX payments. This electronic transfer of funds is slow and inconvenient. Not quick as bank advertises in XXXX ads and banners online.
Product: Checking or savings account

My name is XXXX XXXX, I opened a business checking account with Bank of America, ( account number XXXX XXXX XXXX ), for XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX registred in Wyoming. Last saturday I couldnt get in my online business banking, and the Bank told me they will close the account, with no reason or any kind of explanation why they will close the account, the money is freeze in the account and the bank told me they will send the funds to the company in 10 working days and they not give any explanation why they took such decision creating me and my company a problems and no support