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

On XX/XX/2018 at approximately XXXX I received {$1500.00} from a friend of mine. I needed to make travel arrangements to get home. When I tried to transfer the money to my debit card, nothing happened. I assumed the problem was with my debit card. The next morning I attempted to send money to my son from the balance for a movie ticket, and I was informed that my account had been " frozen due to a recent transaction that raised a risk flag ''. After contacting customer service, I was told that the department handling frozen accounts only communicates through email, and they " have 24-48 hours to reach out. '' The following day I contacted customer service again and was told that they actually have 3 to 4 days to reach out. Later the same day, I received an email saying my account was unfrozen. It was not. Eventually I received an email telling me that they would look into the matter. I replied to the email asking what transaction raised a risk flag, as I had only used the app twice, both times only to receive money. I received an email telling me that unfortunately the company is closed on weekends and someone would reach out to me Monday through Friday. While ignoring my question, I was contacted through email and asked to send a copy of my identification. I sent it. A day later I was asked to send a copy of my bank statement. I sent it. I am currently waiting for ANY information, as my account is still frozen. They have refused to give me any reason as to why my account was frozen. I have received money once, and successfully transferred that money to the same debit card I have on file. What is the issue now? When will the money be released?
Product: Debt collection

On or about XX/XX/XXXX, I received a notice from XXXX credit reporting agency that a collection for past rent was place on my credit report by Hunters Warfield for XXXX at XXXX XXXX, causing my credit score to lower by XXXX points. I never received a notice from Hunter Warfield or XXXX at XXXXXXXX XXXX  prior to them reporting this on my credit report, which is a violation of the Fair Debt Collection Practice Act that regulates third party debt collections. 

On or about XX/XX/XXXX, I spoke with the property management XXXX XXXX about moving out because of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my bedroom window. 

After our conversation, the property manager XXXX XXXX email a letter referencing our conversation and stated that she were sending a new lease agreement to me by email because my current least was expiring on XX/XX/XXXX, and it was XX/XX/XXXX. 

If a new lease agreement is not sign by end of old lease agreement. An additional {$300.00} would be added to current rent. Making residents renting on a month-to-month bases, which would increase the rent from {$1300.00} a month to {$1600.00} added onto the old least agreement. ALL residents would consider renting on a month-to-month basses. 

I feel this is why a new lease agreement was not sent to me because the property manager was trying to get me and the other residents into a month- to- month situation. 

After several months have passed and no new lease agreement were sent out to me. I reiterated to the property manager XXXX that since she never emailed a new lease agreement that it was obvious that she did not want me as a resident or trying to put me into a month - to- month situation. 

So, we schedule a walk through inspection with her assistance manager and the apartment was very clean, and I handed over the keys. This is why I am somewhat baffle to having a collection reporting on my credit report for {$1500.00} after not receiving a new rental agreement or a collection notice from Hunters Warfield or XXXX at XXXX. 

Maybe I would have split the different or come to agreement. I feel not receiving a collection notice from XXXX at XXXX or Hunters Warfield has violated my civil rights and Federal and state laws. I pray that Hunters Warfield and XXXX at XXXX be fine and penalize and this collection be order to be removed from my credit report immediately. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or  deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/year>, I received a notification from Sofi Bank through my online application that my account was restricted, so please contact them. 
I immediately called them and they responded that my account was under investigation to be closed and that after it was closed I would receive a check in XXXX to XXXX  days for the amount I have in those accounts, we are talking about more than XXXX XXXX dollars. 
Until today, XX/XX/XXXX I reached to them every day, every day I call to see if they have closed the account and every day I get the same answer. ( that the account is under investigation for closure and that I will receive a check XXXX to XXXX  days after the account is closed ). 
I need that they finally close my account and send my money money back, it's the money from my savings.
Product: Credit reporting or other personal consumer reports

I did not authorize the listed hard inquiries ; please remove them from my report under 15 USC 16c-2, as theyre causing credit issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.
Product: Credit reporting or other personal consumer reports

My credit report has someone else 's information including former name, current address, open/revolving accounts, auto loan. His usage is affecting my credit score. I want to get this fixed. I am writing the last 4 digits of all the open accounts that do not belong to me ( XXXX XXXX XXXX ) but are reflecting on my credit report. 

XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 There is a closed account XXXX XXXX XXXX also which DOES NOT belong to me. 

In my entire life, I applied for one credit card from XXXX  which end with XXXX and I do not see that on my credit report. 

Now I see a XXXX XXXX XXXX XXXX which also does not belong to me XXXX XXXX XXXX and has a account number ending with XXXX. It has a balance of {$19000.00} and term duration of 72 MONTHS. How can I give this precise information about someone else 's auto loan because it is reflecting on my equifax credit report. 

There is also a COLLECTION reported on my credit report and it DOES NOT belong to me. Here is the information : XXXX XXXX - XXXX. XXXX XXXX XXXX Original Creditor Name- XXXX XXXX IL Date Assigned-XXXX XXXX, XXXX Original Amount Owed- {$200.00} Amount- {$210.00} Status Date-XXXX  XXXX, XXXX Status-UNPAID Balance Date-XXXX  XXXX, XXXX Account Designator Code-INDIVIDUAL_ACCOUNT Account Number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification-RENTAL_OR_LEASING Date of First Delinquency-XXXX  XXXX, XXXX Coming to Personal Information the following personal information is also INCORRECT : Incorrect Name- XXXX XXXX Incorrect Former Names : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Incorrect Social Security ending with XXXX Incorrect Date of Birth : XXXX XXXX XXXX 

And now I m listing all the incorrect Current and Former Addresses : Status Address XX/XX/XXXX CURRENT XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX I've attached the screenshots from my Equifax Account to support my request. All the information mentioned above needs to be removed and fixed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 section 602 of the Fair Credit Reporting Act, Congress made it clear that it requires consumer reporting agencies to exercise their grave responsibilities and adopt reasonable procedures in which is fair and equitable to the consumer. Ive sent certified letters to XXXX ( tracking # XXXX ), XXXX ( tracking # XXXX ) and Experian ( tracking # XXXX ) in which it was received on XX/XX/22 ( XXXX ), XX/XX/22 ( Experian ) and XX/XX/22 ( XXXX ) requesting the method of verification used to determine that these accounts were verified. Pursuant to 15 USC 1681i ( a ) ( 7 ) section 611 of the Fair Credit Reporting Act, it has been WELL OVER 15 DAYS allow by federal law and I havent received their method of verification. It appears to be evident that these accounts were not investigated, therefore their method of verification cant be provided to me as requested!
Product: Credit card or prepaid card

I recently noticed a credit card inquiry for Barclays listed on my credit bureaus reports I contacted Barclays and requested that they remove the credit inquiry because I did not authorize it and it was as a result of fraud Barclays responded in writing on XX/XX/2023 and advised me to call them if the credit inquiry was a result of fraudulent activity. I contacted Barclay on many occasions including today, XX/XX/2023 and I spoke to XXXX in the customer security department who advised that she would not assist me and abruptly disconnected the call while I was requesting her assistance. This company has refused to address my concerns and to remove the credit inquiry from my credit bureau reports and their fraud representatives have refused to process my requests. See attached notice from Barclays :
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX Date Open : XX/XX/year> Balance : {$2500.00} Account number : XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 602 A States I have 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.
Product: Credit card

I am complaining XXXX XXXX Synchrony Bank for not resolving my disputes. 
I received shoes from XXXX on XXXX seperate dates, first pair of shoes on XX/XX/year> and second pair of shoes on XX/XX/year>. 
I returned these XXXX pair of shoes to XXXX on XX/XX/year> ( first shoes ) and XX/XX/year> ( seocond shoes ) via XXXX. 
XXXX sent me emails on XX/XX/year> and XX/XX/year> confirming that they received my returns but XXXX refused to give me refund for {$XXXX} and {$XXXX}, total of {$XXXX}. 
On XX/XX/year> I filed disputes with XXXX XXXX Bank and XXXX evidences of my returns XXXX times, but Synchrony Bank XXXX XXXX disputes and reversed the temporary credit amounting to {$XXXX} on XX/XX/year> because according to them the merchant was able to provide information that the products were delivered to me, but they didn't consider and mention the evidences that I provided that i returned those items, I don't have the items, I never used those shoes, and the XXXX confirmed that they received my returns. It is not right for me to pay for these items that is not in my possesion and never used.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 a credit application was submitted at XXXXDick 's Sporting Goods without my consent or approval. SYNCB 's Fraud department was contacted the same day by me, and I filed a dispute for the inquiry showing on my credit file. I was told by SYNCB that I will receive a letter in the mail within 10 business days in regard to my claim. I then contacted XXXX to file a dispute for the inquiry showing on my credit file. Furthermore, I requested that XXXX freeze my credit and submit a fraud alert. The customer service representee in the fraud department instructed me to also file a report with XXXX. After attempting to file a report with FTC.gov I was redirected to the Consumer Finance Protection Bureau.
Product: Debt collection

This company is saying we owe more then what they are reporting to the credit bureau. I called today to just go ahead and pay the full amount so we can move on and the guy I spoke today was very rude, He said that they got the complaint and I knew exactly who I spoke to. He was very rude with his tone. His name was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother had a Chase freedom visa Card account and I was an authorized user. My mother passed away XX/XX/XXXX. I called Chase freedom visa card and told them about my mother passing in XX/XX/XXXX and faxed them her death certificate and chase told me I was not responsible for this account since I was not on the account but only an authorized user. This is now XX/XX/XXXX and I had my credit report run and found that Chase freedom visa card reported my mother 's account on my credit report as a discharge back in XX/XX/XXXX. I called Chase freedom visa card and spoke with XXXX who told me I am not responsible for this account and he has no idea how this ended up on my credit report. He would have this removed within five days and I will be sent notice of this removed off my credit report. It has been two weeks and I have not received anything in the mail as to this being removed off my credit report.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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: Debt collection

Creditor tried to contact me by calling my boyfriend, whose number I never gave to the company. They tried asking him personal information about me that included my date of birth and SSN
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America gave me a line of credit XX/XX/XXXX in the amount of {$750.00} for some reason they closed the line of credit, im guessing XXXX. I did pay the balance off in full, they are still showing up on my credit report as if this is a current account. I disputed this information with the XXXX  Credit dispute, they came back with a decision that the information is correct and now it is reporting that this will not be removed from my account until XX/XX/XXXX. Bank of America can not and will not have any history of me having an active account with them pasted XXXX. THIS ACCOUNT IS OLD, CLOSED AND SHOULD BE REMOVED OFF MY CREDIT REPORT IMMEDIATELY. This information is hurting my credit report.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I asked XXXXXXXX XXXX XXXX to do a balance transfer to Regions Bank in XXXX, Alabama. Transfer amount of {$18000.00}. Peoples bank use XXXX XXXX XXXX out of XXXX North Dakota for their credit cards. XXXX sent the transfer to Regions Bank, but Regions claims they never go the transfer. There was a typo in the credit card number but neither of these banks are willing to trace the money. I have talked to both of these banks on numerous occasions. I spoke with XXXX and XXXX at XXXX XXXX XXXX. And they claim it's Regions problem to trace the transfer. No one at Regions Bank would give me their names, but they say it's XXXX problem to trace what happened to the transfer.. Both banks blaming the other. XXXX gave me a trace number, but when I mentioned this to the people at Regions they didn't want to hear it or take action on it. As far as that goes neither does XXXX want to do a trace. But now both Banks want me to pay them {$1800.00}. That's not going to happen. I refuse to pay this bill twice. I do know that someone typoed a number in the credit card transfer. But that money had to go somewhere. And someone needs to find it.
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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: Prepaid card

I possess an Amex eGift card valued at {$1000.00} and have encountered issues trying to use it for transactions on XXXX and XXXX XXXX. Three attempts on XXXX ( on XX/XX/XXXX and XX/XX/scrub>XXXX XXXX XXXX ) and one attempt on XXXX XXXX ( on XX/XX/XXXX ) all resulted in failures. This aligns with similar complaints from customers regarding Amex eGift cards on various platforms. 

Amex eGift Card : Card Number : XXXX Expiration Date : XXXXXXXX XXXX example : https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Team, I was out of country when my 1 payment was Late and XXXX XXXX Credit card reported a Late payment on my account and closed my account without informing me. which i found out couple of weeks Later. kindly remove my Late payment reported and open the closed account. thank you
Product: Credit card or prepaid card

Purchased a {$200.00} XXXX XXXX gift card. Went to XXXX to make a purchase in the amount of {$190.00} and it was declined. I called the gift card company and they told me that there is a limit and I can only spend {$100.00} of the available {$200.00}. I asked to speak to a supervisor and the supervisor told me that XXXX is not an approved merchant. I informed him that this is a universal XXXX XXXX  gift card and should be accepted wherever XXXX XXXX is accepted. He told me that I was wrong and that he would send me a list of approved merchants. He never sent me a list of approved merchants and I read the terms and agreement on my gift card and there is no such limitation of the amount or list of approved merchants. It states the card can be used wherever XXXX XXXX is accepted.
Product: Checking or savings account

I continue to have a problem with mailing in deposits at a branch. I am sick-in-tried of this happening on several occasions. I called the customer service department and was told that the check came in at XXXX XXXX The branch did not post my deposit until XXXX XXXX. 
This seem to be a continuous action by this branch office. I have closed one account and plan to close my other account as soon as I pay off the overdraft credit line of {$500.00}.
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 XXXXXXXX : # 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 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.