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

The tickets XXXX sold me did not work at XXXX XXXX. XXXX XXXX tried scanning them and they showed refunded prior to the day I purchased/tried to use them. I had XXXX XXXX management check to make sure this was correct and they researched the tickets thru their system and it indeed showed they were refunded prior. Meaning XXXX sold me tickets that were invalid the day they were bought. I had to rebuy tickets thru XXXX XXXX directly and suffered wasted time of over 1 hour plus extra costs incurred by their higher pricing compared to XXXX  prices. The XXXX XXXX XXXX told me they may have been refunded prior as they were over a year and a half old as XXXX company purchased them on XX/XX/2021. He said after a year tickets can become inactive. 

I contact XXXX multiple times to resolve the issue and even sent XXXX ( XXXX from XXXX ) an email detailing the events with photos of the managers screen from XXXX XXXX showing the tickets as inactive ( not working ). I called numerous times and each time the manager does not return my calls. I filed a chargeback thru Goldman Sachs ( Apple Card ) but it was awarded in XXXX favor. I have proof of tickets being inactive and proof of my repurchase of tickets direct from sea world the same day for my family to actually be able to enter the park. 

I haves filed another chargeback thru Goldman Sachs and have again tried to contact XXXX but they do not answer. I have been duped out of {$310.00} by this XXXX company selling fraudulent tickets. Attached is the photo of the managers screen showing tickets inactive and also attached are my 4 tickets bought directly from XXXX right after the manager told me my tickets from XXXX were worthless.
Product: Debt collection

To Whom It May Concern. I had made a Complaint On XX/XX/year>. I have Spoken to Someone about the problem. I Called the bank that I had the loan from. From the Store I Receive my Furniture from the place. The bank and the store I Receive my furniture from Did Over Charge me. {$3800.00}. for XXXX things that does not come to that amount. They Gas Light me. The man In The Store Just put Down {$3800.00}. He Didn't Even Right Down all The things I Received .So I Called the bank and they told me I have to pay {$3600.00} When I paid {$900.00}. Would've Left my Bill around to {$3000.00} to {$2900.00} and Change. So Now They want me to pay Close to {$700.00} Extra. when they New I am On a Fixed Income. So Did The Store New as Well. Now They are trying to Mess With my Credit. I Need Help With Problem. My Complaint Number From C.F.P.B # XXXX. And By The way The Owner of the Store Closed Down 2 Months ago. So I Can't Even Go After him With This Problem. They said There Percentage Is 29 %. No Told me thing until just now. if so I would not have bothered My S.S # XXXX. My Phone ( XXXX ) XXXX thank you. XXXX XXXX
Product: Checking or savings account

My XXXX card was lost/stolen. Someone found it and started to withdraw money from my XXXX account. My complaint is that the bank did not take appropriate measures to secure the bank account. The card was used over and over again to withdraw money. My family and I are never sick so I did not actively monitor the activity on the card. I was unaware that cash could even be withdrawn from an XXXX account. I have been reimbursed according to Optum Bank policies and FDIC federal laws. I understand my rights however, the bank should be liable for taking measures to protect money I have placed in their bank in good faith- I feel reasonable measures were not in place. 
1 ) How did the unauthorized user get a pin to withdraw cash from a teller machine?

2 ) There were 182 unauthorized transactions, why didn't the bank have appropriate safeguards in place to protect funds set aside for the specific purpose of healthcare and notify me that there were anomalies in my account like other banks do? 

The FBI is reporting, " causes tens of billions of dollars in losses each year. It can raise health insurance premiums, expose you to unnecessary medical procedures, and increase taxes '', a simple pin or notification that a cash withdrawal took place would have prevented this. 

I was approximately 25 days past the 60 day requirement to notify the bank of unauthorized activity. I have lost over {$17000.00} in XXXX funds and was reimbursed for about {$20000.00}. Optum Bank should put into place basic security for XXXX account holders.
Product: Mortgage

The lender is in violation of RESPA due to not postponing the FC sale set for XXXX/XXXX/17 - as of XXXX/XXXX/17 the lender deemed the package complete and are not requesting any docs for the review - Sale should have been postponed around XXXX/XXXX/17 when they stated the package was complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal law protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of each of the accounts listed IMMEDIATELY!
Product: Credit card

I have contacted Discover and other affiliates several times to request records of security registration of my credit card receivable. They have not provided the appropriate records. The statements sent in response to my requests only reflect the payments which I made out of my checking account. Those statements did not include security registration confirmation. Based on Discovers SEC filings, I believe that the my security is registered on the issuers books in the name of XXXXXXXX XXXX XXXX. This registration was done without my knowledge or consent.
Product: Credit card or prepaid card

I received a notice from XXXX the week of XX/XX/XXXX that I had a missed payment on a Citibank card. I do not have a Citibank card. I called the company and the name and social were used but the address, phone number etc. were not accurate and the card was used at a XXXX that I had never been to. They stated that their fraud investigators would contact me and complete the claim. As of today no one has. I have called several times to Citibank in XXXX XXXXXXXX XXXX ( I live in XXXX XXXX ) and have not had any success. I want this off my credit report. It has already had me get denied for XXXX different loans. Credit Report states that the company verified it is me. It is not and the company customer service has even stated as much. Any help in this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I have just learned that my identity was breached and data was hacked through XXXX 's website. I have had ongoing issues with IDme.gov sending me pings at various times when I personally am not on their website or using any services online. This was the first sign that something was wrong then I kept getting my XXXX card declined because of Fraud again and spent over XXXX hours on the phone with them paying extra fees to have new cards expedited to me so I could pay bills. I also noticed on my credit report that my data was distributed on the dark web. I am currently in school and will be graduating soon and am also in the market to buy a house for me and my XXXX daughters. I am a single parent who is struggling financially and can not believe I have this many issues with credit cards, that I also had to call and have charges removed multiple times ( XXXX hours ), that is to CITI and XXXX XXXX over the past year. I am severely affected by all of this and sometimes feel XXXX  and XXXX due to the amount of harassment from the credit card companies with no resolve. I chose to walk away and file with a debt management company out of desperation. I don't know where I went wrong until I found out about my data/identity theft yesterdayXX/XX/23on the XXXX website now it all makes sense. And why did nobody tell me earlier this is disappointing and scary! If my data is already being used elsewhere my business is also at risk. I am a business owner and recently signed up on the XXXX and XXXX website that also reported suspicious activity that was unknown but a large amount of unknown information? Where do I get resolve I am only one person work full-time and attend school online ( bachelors ) and am worried my student loans may have been impacted too. I don't know where to start or to end because I have had multiple inquiries on my credit report recently I wouldn't know where to start. This data breach is ruining my chances of ever owning a home or making large life purchases and its not only one card or one loan its multiple accounts please help.
Product: Vehicle loan or lease

Sent in a Notice of Rescission and was told that it wasnt acceptable
Product: Debt collection

Letter was sent XX/XX/year> asking for them to validate this debt and prove that this debt is mine. They have provided nothing proving this is my debt and that I have a legal obligation to pay them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Whom It May Concern I am writing to formally request the removal of a bankruptcy filing from my credit report, as I believe its inclusion is in violation of my rights under consumer protection law. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605, negative information, such as a bankruptcy, is required to be removed after a specified period. Typically, bankruptcies are allowed to remain on a credit report for 7 to 10 years. However, the information currently listed on my report does not adhere to these guidelines, and I believe it may be unlawfully reporting beyond the allowable time frame.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), it is prohibited to report inaccurate or incomplete information that can harm a consumer 's credit. If the bankruptcy information on my report is inaccurate, outdated, or otherwise erroneous, I request its immediate removal. 

Please review this matter thoroughly and remove the bankruptcy record from my credit report. If you need any further documentation or clarification, I am happy to provide it. 

Thank you for your prompt attention to this issue. I look forward to receiving your confirmation that this matter has been resolved. 

Please have these bankruptcy accounts removed from my credit report it is violating my rights in the law 15 U.S. Code 1681 ( c ) 2, 15 U.S. Code 1681 ( a ) 4. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

PayPal credit is repeatedly calling numbers that don't belong to me and I never provided to them. I am in the process of filing for bankruptcy and want no further contact from them.
Product: Prepaid card

I have a rushcard. I transferred {$630.00} from one rushcard to the other. It was a card to card transfer. Both cards are under my account. The transaction shows " complete '' on ny end but " failed '' on their end. Neither of the balances on the card reflect the {$630.00}. Therefore, I am not able to use any of th money. They told me they have to put it in manually and it wo n't be available to use for 1 to 2 business days.
Product: Credit reporting or other personal consumer reports

This is my twelfth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX : {$0.00} XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

One main financial is stating that I have a closed loan that is was taken XX/XX/2021 but I am unaware of this loan I tried disputing it multiple times from being on my credit report I have also contacted them to provide me with proof of paperwork of the loan that I have haven't received
Product: Checking or savings account

On Tuesday XX/XX/2023 I received a call from a man that identified himself as XXXX from Wells Fargo. He told me I had some suspicious activity on my account. He called from a number that is the common number called for Wells Fargo assistance. He asked me if I was in XXXX because that is where the suspicious activity was taking place. I told him NO. He asked me to authenticate my identity through sending texts and providing the code back to them just like Wells Customer Service requested from me the next day. He then said they were attempting to wire money out of the account. He put me on hold a number of times and then told me the wire had gone through. He said he was escalating it and it would be resolved and returned to me in 24 hours. At no time did I provide him any confidential information. He did ask if the last 4 of my SS XXXX was XXXX but I never volunteered any information nor provided my username or password. When I called WF the following day they had no record of the 'fraud '. When I reported it to WF fraud they took my info and said I would hear something in a week or so and also said there was a 95+ % chance the money would be returned to me. When I did call on Friday XX/XX/XXXX I was told that they traced it to a bank and the money was not there so the case was closed. Shocked! I asked to speak to a manager and was transferred to a 'Spencer ' and was met with a very brief response. We did not recover the money from the bank it was traced too and the case is now closed. We see that it came from your username so we can not return any funds because it appears you initiated it. I did not. 

Being a XXXX XXXX customer I think this was handled very poorly. I was never asked by anyone from WF to provide any specific details of the incident. There was no 'personal " communication at all. It was all basic questions and then days go by and was basically told. Sorry we did not find the money. I lost nearly {$25000.00} and was treated as if it was pennies. No explanations. No education. Nothing. My goal is to recover what was mine. It can not be that easy to remove a customer 's money from a highly secure institution. The customer can not be treated last! 

I have been told the case is closed because I authorized the transfer. I did not! but the customer is always last.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and disappointment regarding the handling of the 2nd attempt to correct late open accounts during [ Specify the Process/Action ]. It is essential to address this matter promptly and effectively to ensure fairness and transparency in the process. 

[ Describe the instances of late open accounts during the 2nd attempt, their impact on participants, and any evidence or documentation supporting your claim. Emphasize the importance of punctuality and adherence to timelines in maintaining the integrity of the process. ] Despite assurances and a previous attempt to rectify the issue of late open accounts, I regret to inform you that the problem persisted. This recurring issue not only disrupts the proceedings but also undermines the confidence and trust of participants in the integrity of the process. 

It is essential to demonstrate a commitment to accountability and transparency in resolving this issue and restoring confidence among all stakeholders. 

Furthermore, I request transparent communication regarding the steps taken to address this matter and ensure the timely opening of future rounds. Timely and clear communication is crucial in rebuilding trust and confidence among participants. Failure to do so not only compromises the integrity of the process but also undermines the trust and confidence of stakeholders. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$1500.00} ; XXXX XXXX  XXXX Balance : {$450.00}.
Product: Checking or savings account

Hello, On XXXX2024 I found a used Laptop on XXXX XXXX I wanted to Purchase so sent a message to the seller to try to arrange a purchase. I asked them to send me a picture of my name on the screen of the laptop in word processor. They were able to send me a picture and the laptop in the picture they sent matched the description and the pictures in the for sale posting. I asked the seller what payment service they have and they indicated XXXX and XXXX XXXX. Since I regularly use XXXX we agreed to use it. The total cost of the used laptop and shipping came out to {$340.00}. So I asked the seller if it would be alright if I sent {$100.00} then, and after they shipped the laptop and provided a tracking number I would send the remaining {$240.00}. About an hour later the seller was able to send me a copy of the shipping label and told me they had dropped it off at the post office. At that time I sent the {$240.00} payment to complete the transaction and pay in full. The next morning of XXXX2024 I tried to track the package on the USPS website and there was no history of the USPS receiving any packages with that tracking number. I then opened XXXX messenger to ask the seller if there were any problems with the shipping, and I found out their XXXX account was completely deactivated. So I then immediately opened a dispute with XXXX, but their support was not any support for me unfortunately. I thought they would be able to track down the person that scammed me since I thought they had to verify users identity when opening an account on the XXXX platform. Even though I requested to speak to a real XXXX support representative, all of the responses I received seemed to come from an automated computer or something. I then called my WesBanco Bank, since the funds came from by checking account via their XXXX Debit Card. I though they would take Fraud and Scamming as a serious matter as they had when I was scammed in years past. That was not the case this time even though I took the time to provide documents for my case to prove I was scammed online and I never received the goods I purchased. As a XXXX debit card holder and a long time loyal WesBanco customer, I thought they would take time to at least look into the same since {$340.00} is a substantial amount of money. The bank representative said I would here back from them in about 10 business days. I happen to stop at my local WesBanco branch 2 days later and the case has already been closed without the chargeback crediting the amount of money I was scammed. I don't even know how they could conduct a thorough investigation on less than 2 business days, when in other instances it had taken about 10 business days. I'm very upset that they weren't able to take me being scammed and losing my money more serious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a report from XXXX stating two accounts from XXXX XXXX XXXX were opened and closed shortly after without my authorized written consent. Account numbers XXXX and XXXX. These accounts were open in 2016 and closed less than a month after open.
Product: Debt collection

I have been contacted multiple times by a collection agency that goes by two separate names ; Central Financial Control & Syndicated Office Systems. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a US Citizen. Attached are my letters my XXXX advisor told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX XXXX