23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Fraud on XX/XX/2019 I provided XXXX  with my legal information and XXXX  helped the child support enforcement agency continue the fraud and Usury by updating the fraud with my legal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I tried to apply for a card, I was told that there would not be a hard inquiry on my credit report. I was told that it would be a soft inquiry instead.
Product: Checking or savings account

This bank doesnt offer latest card technology contactless like other banks I wish they did they only offer chip which is so old it makes the checkout longer if they had tap card it would be faster I called to inquire and they were rude to open an account I asked if they plan on having this technology they said no
Product: Debt collection

A collection agency by name " Bureau of Account Management '' has sent me a letter for collecting debt for amount {$4600.00} on XXXX XX/XX/XXXX. This is for the medical services provider " XXXX XXXX XXXX XXXX '' for date of service on XX/XX/XXXX. 

The amount due as mentioned in the letter for {$4600.00} is incorrect. I called up the provider and had a conference call with collection agency representative on XX/XX/XXXX, where the amount due as confirmed by the provider was {$1100.00} The collection agency was supposed to send me a letter confirming the revised amount, but I did not received any letter. Instead the collection agency representative keeps calling me and leaving phone messages.
Product: Credit reporting or other personal consumer reports

recently Bank of America reported an inquiry that I did not apply for. 
I already haver had the same card for years the in query is not me and had been on on alert on my report
Product: Credit reporting or other personal consumer reports

I sent my 2nd letter to XXXX, EQUIFAX, AND XXXX on XXXX, about reporting inaccurate and incomplete information on my consumer report. I had notified them that they are reporting inaccurate and incomplete information per 15 usc 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
they are in violation of 15 usc 1681e ( b ) as well by not reporting 100 % accurate and complete information. 
this is causing me XXXX and suffering by way of denial of certain things
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX  Acct XXXX XXXX, and XXXX XXXXXXXX Acct # XXXX have violated my rights as a consumer. 
15 U.S.C.1681 Section 602 A. stated 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the Equifax data breach. My personal information has been confiemd to be have been compromised. This includes name, DoB, SSN, State ID/DL #, address and potentially credit card numbers.
Product: Vehicle loan or lease

Nissan infinity Lt, I have 2 late payments that were not late and I was told it was theirs mistake they will be removed for the simple fact we had automatic payment setup then down the line as I spoke with different customer services reps every one had a different story all of a sudden they say we didnt set up automatic payments so I assumed they were automatically taking the payments XX/XX/2016 they gave me a late payment and XX/XX/2016 they also gave me a late payment for that month even tho I had setup automatic payments with them and on several different Occasions I was told they would be removed but they never removed the late payments.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to  misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Checking or savings account

I have opened a business account with Wells Fargo and by the time I told them I'm going out of country it will be different countries that I will login. But a week later from my traveling they called me about identity theft even though that I said it was me they blocked the account. And they said that I need to come to branch with ID for reopen otherwise they will close the account. I have booked a flight come to the branch provide my ID then they said we decided to close the account but I have come for what they said. I have talked with XXXX customer service to verify that if I come it will be reopen they all said yes. They can find that in their record of the conversation. Right now they are saying we will not give you the money cause it's not yours but it's a business account and I had business with people then they paid me over this account. They do not listen and they have taken my money. I have proof of payments but they do not even ask me to prove them. It is my money and they are stolen from me. Wells Fargo has been stole my XXXX dollars. There is proof of payment from customers that I uploaded
Product: Credit reporting or other personal consumer reports

I am intersted in processing disputes on my credit report for all invalid accounts an data that is listed on my credit report. all of the information listed has been reported as identity theft. please review an remove the listed items to correct my file asap.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed an address and phone number on my Experian Report. The dispute was specifically in regards to the XXXX  number as there were more than one listed on the report. The street address was correct. 

Within 3 hours of filing the dispute, I received an alerts saying we have an update on your dispute. Then again at XXXX XXXX the following day, the dispute was updated. 

However, my current address was completely removed. 
instead of removing the wrong XXXX XXXX. The address was completely removed.
Product: Credit card or prepaid card

I purchased a soft cooler on XX/XX/XXXX. I received a tracking number on XX/XX/XXXX. The tracking number said it was delivered on XX/XX/XXXX. That the first sign of a fraud. I contacted the post office. They told me it was shipped to a completely different address. They explained this common fraud tactic. The shipper doesnt respond to me. I contacted Bank of America. They offer fraud protection with this card. Bank of America prematurely closed the case. Denying me. 
I contacted the bank two more time. The agreed that it was their error and that they would reopen the case. Each time they reopen the case they closed it less than 24 hrs later. Zero chance for me to give no info.
Product: Checking or savings account

Complaint Details Transaction Overview : Date of Fraudulent Transactions : XX/XX/XXXX ; Location of Transactions : XXXX, NJ ; Transaction Amounts : {$340.00} and {$350.00} ; Merchant Name : XXXX XXXX XXXX  ( Unverifiable ) ; Complaint Summary : I am filing a formal complaint against Wells Fargo Bank for improper handling of a fraudulent debit card transaction and failure to provide adequate fraud protection measures. 
Detailed Chronology of Events : Fraudulent Transactions : XXXX unauthorized charges were processed on my debit card on XX/XX/XXXX ; I was physically located in Georgia at the time of these transactions ; I have documented local, legitimate transactions from the same day using my card and PIN, proving my physical location ; Immediate Fraud Reporting : Reported fraud immediately upon discovering the transactions on XX/XX/XXXX ; Immediately cancelled the compromised debit card ; Card was in my physical possession at the time of the fraudulent charges. 


Bank 's Response and Failures : No immediate fraud alert was sent despite suspicious out-of-state transactions ; Temporary credit was only issued after a follow-up call a week after initial reporting ; XX/XX/XXXX : Received a letter claiming transactions were legitimate ; Merchant " XXXX XXXX XXXX '' could not be verified ; No explanation provided for the alleged purchases ; Bank refused to prevent credit reversal XXXX for XX/XX/XXXX Specific Concerns : Lack of proactive fraud monitoring ; Absence of transaction verification ; Failure to provide substantive evidence of transaction legitimacy ; Inadequate customer protection protocols. 

Supporting Evidence : Transaction records showing local concurrent purchases ; Proof of location during fraudulent transactions ; Communication records with Wells Fargo ; Copy of fraudulent transaction notification ; Regulatory References : Electronic Fund Transfer Act ( EFTA ) ; Fair Credit Billing Act ; Consumer Financial Protection Bureau ( CFPB ) regulations on unauthorized transactions. 

Conclusion : I request a thorough investigation and immediate resolution of this fraudulent transaction claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX reporting negative information on credit report. According to 15 U.S. Code 6802 ( B ) it's illegal to
Product: Student loan

Hello, In XXXX 2017, I received an email from a group called XXXX XXXX saying they were a third party servicer that worked with MOHELA to pay off my loan. About a month later, I received a call from MOHELA again asking why I had n't made a payment, I told them I had been and was confused why they had n't received my {$100.00} a month I had been paying and we discussed lowering my bill to {$50.00} a month, but it never applied and XXXX XXXX continued to take the {$100.00} a month out. A few days ago, I get an email from XXXX XXXX saying I 'm past due. So I immediately called MOHELA and told them what was happening and they informed me that this third party is scamming me and taking my money. I 've paid them {$700.00}, and they are withdrawing another {$100.00} on XXXX XXXX, yet I 'm past due on my actual student loan because they are just keeping my money. Is there any way to get my money back? Or can I apply it to my actual loan? Luckily, it has n't started hurting my credit but it 's very close. 
Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate unverifiable items on my credit report on XX/XX/XXXX  after not getting a response I resubmitted response onXX/XX/XXXX along with the FCRA 611 ( a ) ( 1 ) ( a ) and FCRA 623 ( b ) ( 2 ). And as of XX/XX/XXXX Equifax has yet to send me any updates.
Product: Debt collection

I have a washer and dryer through Conn 's home plus. I am trying to find out if it is legal for them to continue to call me 8 times a day. I am not even one month behind. I am behind on my payment but not even a month behind. I talked to someone yesterday XX/XX/2023 at Conn 's and told them I will make a payment. This coming Friday XX/XX/2023. The man proceeded to tell me I owed two months. I asked how much my payment was a month and when it was due. He told me it was due on the XXXX of the month, and it was XXXX $ I said Well then how come I owe two months if I am only behind on it for XXXX and the payment for XXXX is not even due yet, but I owe it? He told me I didn't need to pay XXXX, but I have to pay XXXX. Thats when I set up the arrangement to pay it. They still feel the need to call me 8 times a day from different phone numbers. All because I wont give them permission to take the money out of my bank account. If they do not get there money on the XXXX, they are calling my husband and I 8 times a day starting the XXXX. and by husband and I mean they call his phone then call my phone. and His name isnt even on the loan for the washer and dryer. Please help with this. I have even asked about how to turn the washer and dryer back over to them. They told me I had to go to the store to even see if they will take it back.they called me 6 times on XX/XX/2023, 8 times on XX/XX/2023, 8 times on XX/XX/2023 and 8 times on XX/XX/2023. XXXX just lost and tired. please help if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal medical laon for a XXXX XXXX was taken out in my name XX/XX/22 without my knowledge. Online contarct with lender was fraudulent signed using my name. Documents that was submitted with my information I was mislead into providing under false pretenses. One payment on the loan was made in XX/XX/22 using billing information that did not belong to me. I never received one billing statement from XXXX XXXX XXXX who provided the loan. Did not become aware of loan until it was XXXX flaged my credit due to late payments. On file with XXXX XXXX credit that had phone numbers, email addresses and mailing addresse that did not belong to me as well as place of employment Proving that the was a fraudulent. As of today I have put a fraud alert on my credit, have called both XXXX and XXXX XXXX XXXX several time file a dispute with XXXX anf Trans Union and in the process of filling a police report once the lenders provide me with all of the necessary documents. Thanks for listening and providing me with some kind of assistance with this unfortunate matter.
Product: Checking or savings account

XX/XX/21 Opened Citi Accelerate Savings account online and funded account via ACH transfer from my external personal checking account. 

XX/XX/21 Initiated a wire transfer online as Citi to send of the funds back to my originating external checking account, to eventually be transferred to my brokerage account. The wire was placed on hold, and never processed. 

XX/XX/21 Received an email from Citi wire transfers, requesting I call them for verification. 

XX/XX/21 Called Citi to verify wire. Representative told to call back XX/XX/21. 

XX/XX/21 Called Citi ( XXXX ) as requested, verified my identity as requested, and I was told account is under internal review which takes up to 48 business hours to complete. 

XX/XX/21 Called Citi ( XXXX ) for an update, and they told me they sent an email to internal fraud requesting update. 

XX/XX/21 Called Citi ( XXXX ) for an update, and they said they would send an email to their supervisor to expedite the issue. 

XX/XX/21 Account is still locked, with no access to funds. Cant use ATM card, or initiate an external transfer. 

When looking at complaints about Citi on XXXX, I see that this is a common complaint about Citi. Canned responses from customer service, and deadlines for responses not being met, locking people out of their accounts, with no recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I tried to use pal pal credit to purchase an item from XXXX. When I tried to use pay pal to purchase the XXXX app froze and would not complete the purchase. I got ahold of a pay pal customer service rep to rectify the problem they said there was nothing they could do to complete the purchase and instead directed me to XXXX site representatives. I did contact XXXX however, they offered no solution to the transaction not processing and directed me back to pay pal. Over a period spanning the next week I spent no less than 20 hours trying to get the problem fixed. I never received the item and to this day the item shows it is still processing. I have included a complete XXXX statement which shows my purchase history and explanation to the company, XXXX Synchrony Bank ) who has determined that I am labial for the incomplete transaction. I have included my transaction history with this complaint, ( and as I did to Synchrony Bank ) and am asking that this false credit reporting be investigated. I have also talked with XXXX at XXXX several days ago who said they would " look into it ''. I should not be held liable for a faulty transaction. I received nothing as their payment would not process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX 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 account without my written instructions 15 U.S.C 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

I opened a high yield savings account on XXXX with citibank and they debited my account for $ XXXX. I called on XX/XX/2020 to activate my debit card and was told that my account was being closed due to fraud and to call XXXX ( XXXX XXXX ) to obtain details for negative activity. I called the number 3 times over the course of an hour and NO ONE answered. i called citibank and told them I wasn't getting a response and they said there was nothing they could do. I asked when I would get my $ XXXX back and they told me between 30-60 days, and that is unacceptable especially when you took the money a couple of days after opening the account and I expect the same expediency in returning my money. They told me the decision to close my account was final and would not be reversed even though I haven't done anything wrong. So I'm writing this complaint to get my money back and dispute their closure of my account. They're basically stealing/withholding my money for 2 months putting me in financial hardship.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has my private information which is fraud! And IDENTITY Theft! and has sold it off to a third party named RENT RECOVERY SOLUTIONS.. 

They are using my social security number to send information out saying I have a debt which is IDENTITY THEFT! MY PRIVATE INFORMATION HAS BEEN SOLD AND monetized.. as well as mail fraud my name is not spelled in all capital letters they have broken countless laws and need to face suit ... FRAUD, MAIL FRAUD, BLACKmail, identify theft. Etc. None without my written expressed consistent. 
All unlawful. I am requesting that rent recovery solutions delete said debt ... Contract legal and send me funds for Fraudulent claims and IDENTITY THEFT!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

I made a purchase on XX/XX/2024 through PayPal in the amount of {$110.00} for a trio of ducks. Initially, I filed a dispute because I believed that the name of the recipient was incorrect. I was contacted by the recipient and asked why I had filed the dispute. I explained and learned that the email used for the payment was an alternate email used by the business. Subsequently, I withdrew the complaint. The recipient of the funds refuses to send the purchased items and, although stating twice that the items were being sent the next day has failed to do so. All attempts to contact individual have failed or have received no response. I have reached out to PayPal for assistance in resolving this case of fraud and, because of the initial dispute claim and withdrawal of said dispute, albeit for a totally different reason, have not been allowed to file a claim or actually speak with a human being. I have sent messages, chatted with AI assistant and jumped through all the hoops but can not get any assistance. Obviously the individual to whom the money was sent for products is running a scam and PayPal is allowing transactions to occur through its business and fails to address the issue. The payment was for {$110.00}. PayPal has the ability to recover my money and refund it to me but will not allow me to speak to anyone to explain the situation, thus I am in limbo and cheated out of {$110.00} plus the fee that I paid to PayPal for the transaction.
Product: Consumer Loan

This company Loan Key - Lend Key is the most dis-functional people I have ever dealt with. I took out a small {$2000.00} loan for medical. Payments were set up on auto pay for the XXXX of every month for {$92.00}. Plus i was making extra payments on top just to pay it off quickly. I noticed that online said paid but nothing was pulled from my bank. I called a number of times always getting the same answer. Your account is paid and no payments due. Then I called again to make sure on XXXX. After receiving an email my account is past due. Talked to XXXX at XXXX XXXX confirmed my {$300.00} payment and next payment due XXXX He guarantee everything was good. Got a call not but 20 mins later from lend key saying my account was past due. Told her I just talked to XXXX and he said all good. She said your right. Its all automated and I apologize. Then Saturday morning XXXX I got another email that my account is delinquent. Tried to call and closed on Saturdays. First thing today Monday morning i called to get the pay off amount. Again talked to XXXX he told he {$1900.00} I let him know would be paid off today. I was very unhappy with this company. Again not but 30 min later I get a call from lend key that my account is past due. These people are insane!!! I was n't very nice to her. She said OK have a good day. I made the pay off payment this morning to be done with this company. An absolute joke!! I have all my transaction history papers and notes. 
Someone really needs to look into this company and shut them down! No communication between there systems and people. Clueless customer service. Worst loan experience I have ever had.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX