23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

They have my card locked and they say they cant unlock my card for me to receive my money. Im on the verge of being homeless due to me not being able to pay my bills end Im hungry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I received communication regarding a settlement with the Creditor ( Santander ) that stated between XX/XX/XXXX and XX/XX/XXXX the company violated consumer protection laws by making auto loans accessible to borrowers who were likely to default on those loans and due to this settlement Santander is required to forgive the remaining balance on my loan and also required for the loan to be removed from my credit reports. I have sent in multiple communications with little to no response from the company. They previously advised this should be removed but nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I am challenging the incorrect information with XXXX where all 3 Bureaus Experian, XXXX, and XXXX have clearly violated the law and have put on my credit report that the account has been verified but still have not provided any details on how it was. The account is being reported as a Charge Off and by law, you can not collect on a charge-off account nor report it monthly. 
I contacted all 3 bureaus Experian, XXXX, and XXXX as well as XXXX. Well, the law states that with a charge off a company can no longer collect on the debt because they wrote it off to the IRS. This is a cancellation of debt. I received a 1099 C in the mail and had to file this with my taxes. I then know that you can not report income to the credit to my consumer report. All reporting agencies prepare a consumer report and shall follow reasonable procedures to assure maximum max of possible accuracy of the information concerning the individual. This is inaccurate information and I need it deleted immediately.
Product: Debt collection

I received en email from XXXX XXXX XXXX XXXX XXXX The email was asking for personal info as well as trying to get me to download a .pdf and/or update my XXXX XXXX which should never be done except directly from XXXX to be safe. I called them and eventually heard they were trying to collect a debt that a previously did owe and have paid. They refused to supply any BBB info or any way to verify them with the state or a license number. So, I contacted the bank they said I owed money to just to verify that the account was paid in full and NOT in collections. It was, of course, paid as I recalled.
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The info from the email I was sent included contact info ...
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, Equifax received a notice of dispute to reinvestigate inaccurate accounts that are currently reported on my consumer report. It has been 14 days since Equifax have received my letter and nothing has gone into investigation. Nothing has happened. The accounts in question are hereby disputed. Equifax has violated the Fair Credit reporting Act per 15 USC 1681d ( b ) and 15 USC 1681e ( b ). Equifax is now liable per 15 USC 1681o Civil liability for negligent noncompliance.
Product: Credit reporting

Equifax, have incorrect information in the credit files of XXXX and XXXX XXXX identical twin brothers, creating violation of the fair credit aact and fair transaction act causing adverse decision in consumer reporting.
Product: Credit card

XXXX XXXX XXXX, {$69000.00} was withdrawn from XXXX XXXX in XXXX different transactions. No $ was ever sent to XXXX for the cruise resulting in the credit of {$69000.00}. I have spent many hours on the phone trying to get this resolved with Bank of America to no avail. Below is the XXXX XXXX XXXXXXXX recommendation. 

It was a pleasure speaking with you today. As mentioned, here is the referrer for the Consumer Financial Protection Bureau ( CFPB ). The case number is XXXX. If you have any questions or need any further clarification, please do not hesitate to contact us via email or phone. 



Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have had my primary e-mail account hacked. It is being accessed only by the criminal who got into it and changed the password. I can not access it. It is the primary email that records of my  PayPal transactions are being sent. Several attempts to get PayPal  to stop sending details of my transactions using their service to my hacked e-mail address have failed. They continue to send the details to a e-mail address they have been told several times are in the hands of criminals.
Product: Checking or savings account

I am filing this complaint against Wells Fargo bank because on XX/XX/2023 I checked my Wells Fargo checking and saving accounts I noticed multiple unauthorized transactions. An unauthorized person was able to login into my account # XXXX and transfer a total of {$8000.00}. There was also multiple wire transfer from my saving account # 1937, {$30.00} was transferred 4 times to an unknown person, {$4600.00} was wire transferred to XXXX XXXX to XXXX XXXX, {$4800.00} was wire transferred to XXXX XXXX to XXXX XXXX, {$4800.00} was wire transferred to XXXX XXXX to XXXX XXXX, and {$4800.00} to XXXX XXXX to XXXX XXXX. There was also a XXXX to XXXX XXXX in the amount of {$830.00}. The bank has closed the account due to someone having access to the account. 
I called Wells Fargo several times to open claims, never investigate the claims, and they closed the claim without investigating them. They didnt investigate to find XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX , and XXXX XXXX , Instead, they try to accountable me for a total of {$28000.00}. 

I have a police report from XXXX Police Department, case # XXXX. The police report is available upon request.
Product: Mortgage

Amerisave advterised favorable rates but post application and a hard credit pull disclosed for the first time they required a {$500.00} nonrefundable fee and would refuse to lock rates. So the consumer is out {$500.00} and has no idea what the actual loan terms are. 

Worse, *after* the loan officer refused to lock I received an email saying " lock in now '' and " click here to lock your rates '' but the link just led back to the same website with no rate lock available. 

I then received at least 10 sales calls in two days from them even though I told each caller it was dishonest to say " lock now '' in marketing emails and then refuse to lock and to please stop calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that my information was stolen during the Experian data breach. I have incorrect information reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

I had processed a dispute with all the credit bureaus about this account this account seems to be almost XXXX XXXX XXXX. I have been trying to dispute this account for a few years Midland funding has yet to send me any documents or verification on this debt. L
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I have addressed the wrong reporting that the company has sent over to Experian. There is no payment history which is missing since 2015 and also the company has sold several times and passed my information along while providing inaccurate information. Each time I am ignored and responded too late. I want this account deleted from my Experian account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name listed under Personal Information on my Equifax credit report is incorrect. I followed Equifax 's guidelines and sent a copy of my correct name documented by a copy of my Driver 's Licence, Social Secuirty Card, Utility bills. I have been unable to get my name corrected. The credit union that add XXXX to the end of my name indicated that they have made corrections. Nothing I have done has corrected the problem with Equifax.
Product: Money transfer, virtual currency, or money service

The Binance exchange which is very popular has received XXXX XXXX as an XXXX  in which the infrastructure was already perfectly functional and setup for a previous airdrop XXXX XXXX XXXX in which they have announced that they will support. When the XXXX airdrop came, they decided to not distribute it to the rightful owners and keep it for themselves and we have proof that they have the XXXX XXXX  in their address by looking at their address on the blockchain. This company needs to be put back into place and ordered to distribute XXXX XXXX to the rightful owners who participated in the airdrop  and they are currently holding ~XXXX  XXXX  dollars worth of XXXX  which are not theirs.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolutions process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Product: Credit reporting or other personal consumer reports

Re : Account Number : XXXX To Whom It May Concern : I am writing to dispute the XXXX XXXX XXXX, account number XXXX, listed on my credit report. I believe this account is fraudulent and does not belong to me. 

I have been informed by external debt collectors that all collection efforts on this account have ceased. As this account is not mine, it should not be appearing on my credit report. The continued reporting of this inaccurate information is causing harm to my credit standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. The FCRA requires that you investigate and correct or delete inaccurate, incomplete, or unverifiable information.
Product: Credit card or prepaid card

I replied to an email from XXXX to see if I am pre-qualified for their card and the next thing I know, I get an email saying that I'm approved and a card is on the way. 
This is the wording on the email : XXXX XXXX risk. All reward. 


Find out if you pre-qualify for the XXXX Credit Card before you apply with no impact to your credit bureau score. If eligible, see your credit offer risk-free. 

THERE WAS NEVER A FORM THAT SAID, YOU ARE NOW APPLYING FOR A CARD. THEY NEVER SAID THAT I'M PRE-QUALIFIED AND I NEVER PRESSED THE " NEXT '' FORM ON THE APP. NOW, I HAVE TWO DINGS ON MY CREDIT REPORT. ONE FOR A HARD PULL, AND ONE FOR A NEW ACCOUNT, EVEN THOUGH I CLOSED IT THE SAME DAY.
Product: Credit card or prepaid card

REFERENCE:XXXX I applied for a PayPal credit card it said that I would receive a letter in the mail with your decision I received a letter and it says you could not approve me but not for a normal reason you're only reason listed was that you claim you're unable to verify my identity I have to say I'm shocked how is that possible in XX/XX/2019 first of all I have a PayPal account that with bank accounts and credit cards attached to it and all my personal information but in addition to that when filling out the application if I recall you asked for Social Security numbers date of birth I'm just not certain what more information I could have given you how is it possible that you can't verify my identity? Nobody called to ask me other questions you haven't asked for anything I mean I have a Michigan State ID obviously the state of Michigan can verify my identity I also have a passport that's been used to travel all over the world obviously the federal government can verify my identity do you need copies of those things I was born in Missouri I can even give you a copy of my birth certificate but the fact that you didn't even ask for anyting makes me sit here and just wonder and shake my head I mean I'll be honest it almost feels like you're discriminating against me for some reason what have I possibly definition and I'm assuming you pulled one of my credit reports which would have confirmed all the information I have provided
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of all accounts below has violated my federally protected customer rights to privacy and confidentially. Under 15 USC 1681. 

XXXX XXXX. XXXX XXXX. 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 
Has violated my rights. 15 U.S.C 1681 section 602 A. States I had the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 In alpha state, a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1861c. ( a ) ( 5 ) Section States : Also States consumer reporting agency may make any consumer Report containing any of the violation. Any other adverse itemsof information, other than records of conviction of crime 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 calls to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX  are falsely reporting incorrect information on my personal credit reports. There's a list of inquiries on my credit report that was never authorized by me. These inquiries listed below was executed without my consent or knowledge. 

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

Reporting act XXXX  DATE : XX/XX/XXXX, XXXX/XXXX  DATE : XX/XX/XXXX, XXXX XXXX  XXXX Date XXXX XX/XX/XXXX, US SM BUS ADMIN date : XX/XX/XXXX, XXXX XXXX Date XXXX XX/XX/XXXX, XXXX XXXX  Date XX/XX/XXXX & XX/XX/XXXX, also XXXX  XXXX acct # XXXX, XXXX acct # XXXX ALL HAVE 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. 

these accounts and inquires where fraud and not consented by me and should be immediately removed
Product: Checking or savings account

on XXXX/XXXX/17 I was on vacations in XXXX, XXXX I attempted to withdraw in a XXXX ATM ( Non Chase ATM ) {$90.00} DLS around XXXX XXXX. The ATM stated transaction can not be completed and gave my card back, I immediately attempted to withdraw at a XXXX ATM sitting next to the XXXX ATM i was trying. it did not work either so i called Chase to see if my card had any holds because i was traveling abroad. while i called chase i noticed on my cel phone checking the bank app that the 1st transaction was pending for XXXX dls, i told the guy on the phone the ATM did not dispense any cash so chase credited my account immediately, but on XXXX the credit was reversed claiming the owner of the ATM submitted proof the transaction went through, i asked for that proof and chase did not submit a copy to me. this proof is impossible since the ATM did not dispense the cash. This is totally unfair since the ATM did not dispense the cash.
Product: Debt collection

I had negotiated a " Pay For Delete '' with this collection agency, DIVERSIFIED CONSULTANTS in XXXX of 2019. 
I paid the debt, and they did not hold up their end of the bargain and delete the debt from my credit file.
Product: Credit card or prepaid card

Discover marked me down for a late payment in XXXX but i was able to get it waived early XXXX and was told it would be taken off my credit report. My new billing cycle began today ( XX/XX/11 ) and the missed payment has not been taken off of my credit report. I was also told it should not have ever been reported. Was never sent an email about the waive but it shows on my discover app as a " late charge refund. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have countless inquires that I don't recognize. This is my first time pulling my annual credit report and I would like to have them erased. 

XX/XX/XXXX XXXX DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX
Product: Student loan

I'm submitting a complaint about a refund from MOHELA after XXXX. I received a refund from Mohela because of overpaid student loan repayments. When I received the refund of over {$9000.00}, I confirmed the amount several times with MOHELA. Moreover, my calculations of overpayments were much higher. However, MOHELA rejected the higher amount and informed me that my refund was correct. Now, two years later, MOHELA, through XXXX, is demanding that I repay the refunded amount because it was sent in error by MOHELA. MOHELA never contacted me about the error.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act. Specifically, cash app failed to take timely & effective measures to prevent & address fraud on their platform, leaving my account vulnerable & unprotected.
Product: Mortgage

PHH Mortgage refused to work with me as a protected class as XXXX XXXX. I spoke to a XXXX  Manager who has refused to resolve this issue. I am bounced from call to to call for hours at a time. The people are not trained at all. PHH Mortgage has acted in bad faith with homeowners trying to resolve issue with the house. I have been working with several XXXX  executive at PHH Mortgage to get critical information that was never provided to me per payoff information for my loan regarding deferrals and forbearance on the back of my loan. The Escalation team deliberately sent me inaccurate information. I was denied pertinent information PHH Mortgage to get assistance get the loan payments paid. I asked for this information in XX/XX/year>. The Escalation Team refused to send what is needed such as the balance per forebearance/ deferral agreement. I have reached out to senior executives but they use low level employees as a buffer to stall the process in order to execute late fees, penalties for their predatory profit scheme against XXXX XXXX in attempt at equity theft. I received an illegal default notice in an attempt to intimidate and harass me when I have made payments. I have not received insurance claims endorsed to PHH Mortgage in time to take care repairs due to water damage. This company had me calling back and forth all day since XX/XX/year> to delay for predatory scheme to cheat me out of money for fees when I can not get help for archived information to pay off the deferments/forbearance balance. The Escalation Manager laughed and said the XXXX  Managers would not do anything to him but send me back to him where nothing would be done. This company should be shut down. They only time this company work for consumers is when the company is sued. The company reverts back to their old tired tactics and evil processes when the lawsuit is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccuracies, Incorrect, Unverified and Unauthorized accounts in my report. I have been sending letters to the company since XXXX Equifax  - XXXX XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX It is over 30Days and no response or report of investigation, According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 30days, so they should be deleted immediately.