23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Sent payoff in to payoff my personal loan. The payoff was received on XX/XX/21 but they waited to post the payoff after they received my ACH debit for the XXXX payment then paid the loan off instead of sending my monthly payment back. Lending point kept most of my money between the monthly payment and the payoff. I have all the documents to prove something isn't right with this loan transaction. Loan number XXXX. I would like my rightful amount returned to me.
Product: Money transfer, virtual currency, or money service

This case was originally filed under XXXX. The context of the original complaint is that Bank of American did not provide any terms and conditions with respect to this foreign currency transaction. 

Bank of American ( BOA ) was successful in logging the timeline of events but they failed to address two critical issues. What terms and conditions were levied for the initial transaction. And why did it take over 60 days for the reimbursement to settle for the account. 

Customer is adamant that BOA failed in its fiduciary responsibility to identify terms and conditions at time of transaction and failed in its responsibility to notify customer after the fact with respect to additional terms and conditions. 

Customer through the help of its mobile service provider has been able to retrieve and save a voice mail from BOA. This voice mail does not address any additional terms and conditions. If additional terms and conditions applied, alternative methods of pick-up could have been arranged. 

To highlight, BOA is responsible for providing terms and conditions. No terms and conditions were presented at time of transaction. No terms and conditions were provided by voice mail. Hence how is the customer to know that additional terms and conditions have been levied by the bank. 

Customer requests refund of {$470.00} as BOA broke original terms of agreement and secondary transaction required additional funds ( {$470.00} ). 
costing the customer money.
Product: Debt collection

I have inaccurate accounts and inquiries on my consumer report. By the provisions of the Fair Credit Reporting Act, I demand that these items are investigated and removed from the report.
Product: Credit card or prepaid card

I began to get emails from Chase Credit Card Services for fraudulent purchases that have been made on an account in my name. 4 XXXX gift cards totaling {$410.00} is stated in the emails I received on XX/XX/21 @ XXXX and at XX/XX/21 at XXXX. I DO NOT have an account with Chase Bank ( Business or Personal ), no do I desire one. I don't have any bank accounts or anything with this bank. On XX/XX/21 I began discussing this with the Fraud department and still nothing has been done. I spoke with XXXX, XXXX, and XXXX. This is fraud and identity theft.
Product: Credit card or prepaid card

I opened this account in XX/XX/XXXX. I closed this account due to the constant fees that it has and the small balance. 
I called in XXXX to close this account and have the fees credited back to me. I was assured that by paying the {$140.00} This would take care of the balance that the account is closed and they they would let the credit companies know that the derogatory credit will be corrected. 
I received a statement saying that I now owe XXXX due on XXXX XXXX, XXXX! 
I once again called to explain that this has been closed and if they go back and listen to the call that all of this was taken care of and that I don't owe this money, and that they need to also correct my trade lines. XXXX ( the manager ) told me that he will get back with me after he listens to the call MAYBE by XX/XX/XXXX. 
I would appreciate attention to this, I have worked hard to keep my credit scores up and this has sunk me. It doesn't seem like they plan to do anything about this.
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 719XXXX has me at a score around 590. 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 n 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 .This 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thursday, XXXX XXXX, XXXX I purchased a ring for my daughter ( who is an authorized signer ) on Saturday, XXXX XXXX at the Zales store at XXXX XXXX XXXX in XXXX, NC in the amount of {$1800.00}. The ring was never in my daughters possession as she had requested it be resized. Since XXXX XXXX fell over the XXXX XXXX weekend, the ring would take several more days than usual to be sent off and resized. 

On Sunday, XXXX XXXX, my daughter called the Zales store referenced above, and cancelled the purchase of the ring. She was told by an associate that the ring had not been sent off to be resized and they would return the ring to their inventory and credit the Zales Credit Card account immediately. My daughter was told there would be no need for additional action. 

On Sunday, XXXX XXXX, my daughter checked the balance of Zales Credit Card ( with my permission ) and noticed that the ring had NOT been returned and was showing a balance of {$1800.00} with a LATE FEE of {$25.00}. My daughter then called the Zales store the ring was purchased at and demanded to know why the account was showing the ring was not returned. She was then informed by an associate who claimed to be the manager, that in order to return the ring, my signature or my daughters as she used her Zales authorized signer card, would need to complete the return. 

Due to the ineptitude of the store associate my daughter spoke with on XXXX XXXX, my account was placed in a COLLECTION status and reported to the credit bureau. I am beyond furious at this turn of events. Store associates need to be properly trained on how to deal with returns. Because of turn of events, my credit has been negatively impacted due to a store associate not understanding the return process. If we were informed the return would require a signature, there would be no question it would have been taken care of BEFORE the first due date of the payment on XXXX/XXXX/XXXX. 

The issue with the credit bureau should be corrected ASAP. I do not want to pursue this matter further by filing a complaint with the CFPB or other consumer protection bureaus, but I am beyond furious this has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 30-Day late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with XXXX XXXX XXXX XXXX , Account Number : XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. XXXX XXXX XXXX XXXX, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer Report. Thanking you in advance for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

Westlake Portfolio Management engaged in deceptive and misleading practices to collect a debt I do not owe. I requested validation of the alleged debt, but they failed to provide any documentation or evidence to support their claim from Westlake Portoflio Management. Despite this, they proceeded to repossess my vehicle unlawfully. Their actions have caused me significant financial and emotional distress, and I believe they violated my rights under debt collection laws by not substantiating their claims before taking such extreme measures.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX having an erroneous claim against me that's in my credit report. I'm a XXXX XXXX XXXX I've tried to have them remove this it's on XXXX and the other XXXX credit reporting agencies. This is not my account, I've told them that XXXX times and they keep saying I have an account with XXXX XXXX XXXX whom I've never heard of in my life. My next step is to call my XXXX  XXXX XXXX  to get it dealt with because XXXX is sure not helping with the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is being reported on my XXXX, Transunion, and XXXX  credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Product: Credit reporting or other personal consumer reports

I checked my credit report and was still shocked by the content of my credit report.
Product: Credit reporting or other personal consumer reports

Last week i check my credit report and i noticed 2 accounts that not mine i would like to removed thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft. Checking, savings and {$35000.00} personal line of credit opened in my name at Alliant Credit Union in XXXX early in XXXX this year. I received letters with my new account number and PIN. I contacted ACU and filed a complaint. No loss of money occurred. I have not heard their response yet but their Fraud division suggested I file a complaint with the FTC. I suspect it was online enrollment. Since the letters were sent to my home address in western Missouri, I am wondering if it was someone local who then planned to steal letters from my mailbox. I filed a report with my county sheriff.
Product: Debt collection

I am sent them another letter with the attachment FCRA 605B
Product: Credit reporting or other personal consumer reports

I received a notification from XXXX XXXX that there was a hard inquiry on my account on XX/XX/year> from Capital One Cabela 's. I did not apply for this credit card, so I called them today ( XX/XX/year> ) to report the fraud. They stopped the processing of the application and submitted the fraud claim. I also filed disputes with XXXX and XXXX.
Product: Prepaid card

I bought a Vanilla Visa Gift Card {$200.00} from XXXX XXXX XXXX on XX/XX/year> and upon usage of the card, I noticed its not working and I contacted customer care but I was told it was placed on hold bc someone try to purchase item with it of {$200.00} and a new card will be resent to my mailing address which I provided and till date the card is not yet in, upon calling to confirm the status of my gift card, I was told to confirm who else called for the card and that was my brother XXXX, bc I cant talk much on phone been an old woman, later on I was asked for more documents which includes my ID and Utility bill to validated the new card, which I did and yet, no card received for my {$200.00}. 

FYI, Address on my Utility Bill is my current address where I live at but the address on my ID is an old apartment address where I dont live no more, thanks for the help
Product: Debt collection

XXXX XXXX sold my collection account to LVNV Funding. I requested validation of debt and they never responded to my request. I was being charged for charges that I did not owe.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported.

Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Bankruptcy should have been removed from credit report on time, After 7 years. 
Should have been removed in XXXX, it 's now XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt disputing with Equifax, XXXX  and XXXX. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.
Product: Credit reporting or other personal consumer reports

I am writing to address an urgent issue regarding inaccuracies on my credit report. Upon reviewing my report, I found that late payments has been incorrectly listed on my account. I kindly request your immediate assistance in correcting or removing this inaccurate information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error, and I seek your immediate intervention to rectify it. Other credit bureaus have already corrected the status of the account, and the company confirmed over the phone that they would fix this issue. 
XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a Citi XXXX XXXX XXXX and never heard back regarding my application. The website says the typical wait time is 7-10 days so once that time period passed I check the website and was told my application was still being processed. On XX/XX/XXXX, I called the company to request an update and was told that my address was on file incorrectly and that they would fix it and send me a confirmation letter to process my application. Another month and a half passed and I still received no letter so on XX/XX/XXXX I called back to request my application be withdrawn. I expressed that I did not want to bank with Citi because of the 4-month negative custom service experience. Instead of withdrawing my application, the phone attendant approved it on the phone immediately, issuing me a credit card that explicitly stated that I did not want it. After that call, I have spent 45 minutes on the phone with different Citi Bank customer service lines and no one can assist me in A. filing a complaint and B. halting the process of opening that card. So now I'm stuck with a card I do not want or having to make the decision to close the account I never opened and have it impact my credit score. I'm also concerned about receiving the card in the mail at all to begin the process of closing the account seeing as none of the previous mail correspondence has made it to my mailbox which is part of what prompted this issue in the first place.
Product: Checking or savings account

On XX/XX/2021, I had a conversation via XXXX with a local tattoo artist who was promoting their work. The tattoo artist messaged me and asked what I was looking to have done, explained the appointment process, we agreed on a date and time and he provided me with the address to the tattoo shop. I plugged the address into XXXX XXXX and confirmed that it was a valid address, 9.6 miles from my residence. He advised that there would be a deposit of {$250.00} to book the appointment, which is very common for tattoo shops to require deposits when booking appointments. I provided images of what kind of tattoo I was looking for and he confirmed price and that he would be able to do the work. He provided me with his XXXX username as XXXX XXXX and advised me that once I sent the deposit to let him know so that he could begin sketching the tattoo. I sent the money using my XXXX account and advised him that the money had been sent. He continued messaging me asking questions about the tattoo and if I wanted him to come to my house as he does mobile tattoos also or if I wanted to head to the shop. I advised that I would feel more comfortable heading to the shop. I never heard from him again. 

Around XXXX that same evening, I received a direct message from someone on XXXX advising me to not do business with this person because her daughter was just scammed. She advised me that she noticed I had commented on one of the tattoo artists pictures and wanted to reach out to me to warn me that he was a scammer. She mentioned that he provided her daughter with a fictitious address, asked her for a {$100.00} deposit and then never messaged her daughter back once the money was sent. 

I reported his XXXX page as fraud, blocked him and reported his XXXX profile as a scam and reported the fraud. XXXX finally shut his account down but it seems his XXXX profile is still active. XXXX has the ability to see how many times this person has been reported as a scam or fraud and should have shut this account down. XXXX also can see the routing and account information or debit card information as to where the funds are being deposited or cashed out to for this user, yet XXXX seems to not care and allow this type of fraud to continue to happen. 

I called NFCU on XX/XX/2021 and reported all of this information. I was advised that the report had been submitted to their Fraud and Disputes Department for further investigation. Over a week later I called back to confirm the status of the report. I spoke with an agent who advised that the case had not yet been assigned to anyone and to allow additional time for the case to be assigned and reviewed. The agent also advised that they don't typically submit reports to Fraud and Disputes for XXXX transactions due to it being a third party company who debits money from your account. The agent also stated that once the case is reviewed it's very likely it will be declined and I won't be able to recoup my funds because NFCU has no control over XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the credit information that [ Credit Bureau Name ] has reported on my credit report. Specifically, I am disputing the following accounts : XXXX XXXX XXXXXXXX XXXX late payment account XXXX XXXX late payment account XXXX XXXX late payment account XXXX XXXXXXXX charge off account XXXX XXXX Charge Off account XXXX XXXX Charge Off account I believe that this information is inaccurate and incomplete and may be in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and the Equal Credit Opportunity Act ( ECOA ). Under these laws, credit reporting agencies are required to ensure the accuracy and completeness of the credit information they provide to lenders and other entities. 

Therefore, I request that [ Credit Bureau Name ] investigate the accuracy of this information and correct any errors on my credit report. Please also provide me with a copy of my updated credit report once the investigation is complete. 

In support of my dispute, I have enclosed any evidence I have that demonstrates that the information on my credit report is inaccurate. This evidence may include payment records, bank statements, or any other documentation that supports my claim. 

Thank you for your attention to this matter. I look forward to hearing back from you within 30 days, as required by the FCRA. 

Sincerely, XXXX XXXX