23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received a cash adance check from a firm based in NY named XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ny XXXX. I had this overnighted to me as a loan against a settlement that I am expecting. The package was delivered via XXXX XXXX number XXXX by a representative named XXXX XXXX. The check was drawn off of a NY XXXX bank and I live in XXXX BMO accepted the mobile deposit of the check at XXXX pm informing " This message confirms your deposit, check number XXXX in the amount of {$2000.00} has been received. You will be notified separately when your deposit has been approved and processed. '' I then received a second email from BMO at XXXX stating " This message confirms your deposit, check number XXXX in the amount of {$2000.00} has been approved and processed. It may take up to two business days for the funds to appear in your account. Please retain the check from this deposit for at least 15 days prior to securely discarding it. Do not attempt to deposit the check again. If you have questions, please call XXXX, option XXXX. '' Then at the very end of the day the bank shut down my account and when I called they accused me of committing fraud. Refused to take any of the documentation I had, refused to contact the bank the check was drawn off of, refused to allow me to speak to a supervisor, refused to give me the proper reason as to why they are accusing me of committing as crime and refused to offer a solution. I can not get any one from this bank to release my money, accept my documentation or properly do the job of verifying the check. They even told me that they were sure that I was committing fraud and they would need to revaluate the desire to continue the relationship with me. I am attaching all the documents that they would not accept. They even told me that I didn't get the email stating it was approved.
Product: Debt collection

I was connected about a XXXX XXXX XXXX that I have never had. I live in XXXX and the bill is in XXXX. I spoke to VALOR INTELLIGENT PROCESSING on numerous occasions and explain this was not my bill please provide me with a signed contract, which I have never received
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) 3 Credit Bureaus are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a request to the credit bureaus, to investigate five errors that currently appear on my credit file. They were supposed to respond within 30 days. However, 30 days have passed, and I have yet to receive my responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Military Star Card The Exchange XXXX XXXX XXXX XXXX, OH XXXX Account Number : XXXX Name on account : XXXX XXXX I have a MILITARY STAR credit card. On XX/XX/XXXX, I paid the balance left over from {$6800.00} high balance to {$00.00}. No matter the payment amount, Military Star Card has not updated the balance on any of the 3 major credit bureaus files. On XX/XX/XXXX, the balance on this credit card was {$6800.00}. Below are the following payments I have made since, totaling {$7000.00}, yet, Military Star Card sometime known as myecp.com has not updated my credit report, indicating a reduced balance of {$00.00} since XX/XX/XXXX. This has seriously hampered my ability to acquire credit without securing it with my own money. In addition, it has dropped my credit score over XXXX points in XXXX, XXXX points in XXXX  and XXXX points in XXXX. What is being reported to all XXXX credit bureaus is that the credit card is maxed out at {$6800.00}, even today, XX/XX/XXXX, with no reflected any payments. Below are the payments that I have made. In my credit card file at myecp.com, it's reflecting the {$00.00} balance but Military Star still has not updated either of my 3 credit reports. XXXX, XXXX  and XXXX  all show that there is a balance of at least {$6800.00} as of today. 

XXXX XXXX Payment - Thank You - {$1900.00} XXXX XXXX Payment - Thank You - {$4600.00} XXXX XXXX Payment - Thank You - {$190.00} XXXX XXXX Payment - Thank You - {$190.00} Total Payments made since XX/XX/XXXX is {$7000.00} Immediately, Please have Military Star, myecp.com correct this and XXXX out the balance reflected in all 3 of my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX has not been giving me a correct information on SS. Dl. On credit bureau. They re moved my present address that lived at for 4 years. I found out that my previous address is getting my copy of credit report. Post lady told me with previous address.. And I report it to all credit bureau XXXX This has been going on for years. I can't even get a copy of my annual credit. I Asked them to remove my data XXXX XXXX older. There's no activity on them synchrony bank denied me for increase said I had to much credit. I don't I only have XXXX limit. 
They can remove old data. I pay my bills on time and late. Someone is applying for credit in XXXX XXXX. That I don't have. At least XXXX stop it. Because I had fraud alert. Because synchrony bank said I had to much credit. They getting my credit with someone else.The credit bureau is reporting my address with out the apartment number. Even the old address. I bought a membership with XXXX XX/XX/2023. It's been a horrible. Called customer service. They couldn't find my account. They said my account was cancelled. Never cancelled it. So I am paying XXXX a month. Not getting my alerts when someone is using my credit. I was told by XXXX that they received my dl was on XXXX XXXX That a service they have. XXXX has service that XXXX had my SS.information. breached. I don't have cell phone from XXXX XXXX. I only have one phone. 
XXXX said that I email them a copy of my dl.ss. I told them I never did that. Or 2 other credit bureau. Never send my information over the phone. XXXX was careless. Did not call me. 
XXXX. Is mixed my information with someone else they trying to cover up there mistakes. They put threw alot of pain. I go by maiden name. XXXX has my credit mixed up with family. Some similar to my name or social security. I will never know because I am not getting an annually credit. I don't have alot credit. Investigate this please. 
XXXX cell number. 
XXXX XXXX
Product: Vehicle loan or lease

The auto loan was assumed in XXXX ( in XXXX  ), including tax for {$26000.00}. and for 18 month I have been making payments for {$510.00} a month. I called to get a payoff today and was told it was {$18000.00}. I asked how that was possible and was told due to daily interest of 11.37 % on top of the interest on the loan 22.16 % that I was not putting any money towards the car payment, only the interest. I said what I have done to cause my loan to only have my payments go towards interest and not my payments? No straight reply given to me. 
I XXXX this company to find out that in XXXX in another state, XXXX, they had to pay back over XXXX XXXX dollars to buyers they hurt during these type of scams. More recently, XXXX, their BBB   accredidation was revoked for the same scams. They settled on XXXX XXXX for consumers state in subprime auto loan settlements. There is a link provided to read the court matter, judgement, and settlement on the BBB website. You can also find this by XXXX  the company name and the word scam out beside it. 
The blue book on the car is not even worth what they are saying I owe for the payoff. I can't even trade it in and try to get a lower interest rate elsewhere now. I will be upside down. I am on this loan with my daughter. She lost her job due to covid and being XXXX. She had to quit her place of employment due to her doctors instructions. I am trying to pay my bills plus hers. I was hoping to get a different car for her, only to now find out doing that is not an option, do due shady companies like this making it impossible for people. If you look at it the way they have calculated this loan, I have only paid XXXX over 18 months for this car. That is not fair or correct. This is devistating to not able to climb out of a fnincial hole because of compaines taking advantage of people.
Product: Checking or savings account

My debit card ending in XXXX was fraudulently used on XX/XX/2018 for the amounts of XXXX, XXXX, XXXX, and XXXX for a total of {$1000.00}. After opening a claim with bank of america on this unauthorized transaction and numerous phone calls i have been told that the claim is still under research. The bank would give me a resolution deadline and fail to meet this deadline several times. The money was put back into my account and taken out two different times by bank of america. 

claim # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : addresses not mine XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Post office box XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX family XXXX XXXX  XXXX XXXX, TX XXXX FCRA violations : addresses not mine XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX, TX XXXX FCRA violations : not my names XXXX A XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance XXXX Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Collection accoun
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are incorrectly reporting a collection in the amount of {$17000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 15 of the attached credit report. ) This is a duplicate reporting of a third party collection. This item is also being reported on page 9 of the attached credit report. This duplicate reporting is a violation of the Fair Credit Reporting Act and is harming my credit score. These collection line items need to be removed from my credit report. I have contacted the bureaus to fix this issue, but I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX, XXXX  XXXX Account XXXX XXXX XXXX  Account number XXXX, XXXX  account number XXXX, XXXX  account number XXXX, XXXX  Account # XXXX, XXXX  Account Number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I am being hit with a hard inquiry from td bank/XXXX which I did not make. I never authorized any Inquiry or applied for any card. This is fraud.
Product: Credit card or prepaid card

To whom it may concern : I had made two purchases from the same seller on XXXX, on XX/XX/2021 and XX/XX/2021. The purchases were for the same item, a security camera. The first purchase was made by " making an offer '', and the second purchase was done by using the 'buy it now ' option. Despite purchasing two cameras, from the same seller, the seller only shipped one camera. They initially disputed that I purchase ( 2 ), given they are a new and ignorant seller that isn't aware how to operate the XXXX platform. After numerous secure XXXX messages back and forth, they finally realize and admit that they made the mistake. All correspondence was provided to Discover during the dispute process, since the seller never returned the money for the camera they did not send. Despite this, Discover sided with the merchant, XXXX, in a highly discriminatory favor. XXXX provided Discover with a tracking # confirming receipt of the package -- clearly missing the fact that delivery does NOT MEAN EVERYTHING WAS DELIVERED. Only 1 of 2 cameras was delivered. Again, secure, original, XXXX messages from the seller admitting they didn't realize XXXX cameras were purchased was provided and still Discover chose to neglect this information and allow a fraudulent transaction to remain on my account, violating the member agreement to accurately and properly investigate and advocate for their customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that someone changed my info on Experian, and in order to revert it, they demanded a litany of steps which were time consuming and expensive to execute. Completely unreasonable for a company of their size in 2023 to need all this : In order to help you resolve this matter, well need you to provide us with the following documents : One copy of a government-issued identification card ( such as a drivers license or state ID card ) that displays your current address One copy of a current utility bill, bank statement or insurance statement that displays your current address One copy of your Social Security card Also make sure to include a cover letter with : A description of your issue Case number : XXXX There are two ways to submit the requested documents and information. 
Fax everything to ( XXXX ) XXXX, Attn : Experian Consumer Affairs. 
Mail it to : Experian Consumer Affairs XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, my servicing lender was transitioned from Dept. of ed XXXX to Dept. of Ed. XXXX. 

On XX/XX/XXXX I checked my credit report as part of an exercise to begin purchasing a home. A lender noted that my student loans were duplicated and showed an active balance of over {$100000.00}. 

On XX/XX/XXXX I contacted XXXX and XXXX, both student loan providers for FASFA. Neither claimed responsibility or the ability to resolve the duplication on my report. On XX/XX/XXXX I filed a Feedback case on studentaid.gov, case # XXXX. 

As of XX/XX/XXXX, I still have not received a contact back or any update on the status of my case what-so-ever. I am trying to purchase a home, but because of the duplication on my credit reports, I have been unsuccessful in getting friendly lending terms. 

There are hundreds of people like me reporting this as an issue on numerous website forums.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect personal info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and Equifax have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
Product: Debt collection

I was contacted by one collection company around a year ago this time staying that I owed about XXXX $ to XXXX for an account I closed out a few years ago. I was able to talk to XXXX and obtain a letter stating the debt was closed and was an error on their part. It was settled and I provided proof to the company directly from XXXX. The debt was cleared from my Credit Report with a note and also from XXXX XXXX. 

Unifin contacted me a year after the original dispute alleging the same debt was still owed. I explain the situation and told them it has already been resolved. The people I talked to were beyond rude and almost mean. I have provided proof to them but I am worried about what information they have. They have had multiple complaints and even have been known to threaten people. I want this issue put to bed and their shady business penalized. I am happy to provide any additional information needed.
Product: Credit card

My name is XXXX XXXX, and I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My husband and I have bother XXXX twice in service to our country and are preparing for another XXXX in the coming weeks. 

I have been a loyal Wells Fargo customer for over 18 years and also have worked for Wells Fargo before joining the XXXX. Recently, I was the victim of a scam that resulted in {$10000.00} being stolen through my Wells Fargo Credit Card. I reported the fraud promptly, but Wells Fargo refused to assist my, stating that the loss was my fault. 

As a long-standing customer and a military service member- alongside my husband- I expected better protection and support from my bank, especially during such a critical time. Instead, Wells Fargo 's handing of the situation has caused immense additional stress for our family as we prepare to XXXX XXXX once again.
Product: Credit reporting or other personal consumer reports

These items were not authorized by me, and I did not grant permission for these items to be included in my consumer report. 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 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: Credit reporting or other personal consumer reports

There are multiple unauthorized uses of my credit report that I did not approve or make, I have no association with these accounts that were trying to be opened. 
XXXX XXXX XX/XX/2023 Experian XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX
Product: Debt collection

Repeated phone calls from XXXX and continues at least twenty times that after throughout the rest of the day. Kills my phine battery, takes up my time and is annoying and is irritating me know. When I answer it gives me a message with a phone number to call back. Then receive a debt letter from MRS. BPO, LLC with a side note stating, " tax time is a great time to put issues like this behind you. Consider using any possible tax refund you may receive to satisfy your outstanding obligation. '' Regardless this should never been a collection account because the dealership never refunded this amount like they should have.
Product: Credit reporting or other personal consumer reports

Experian closed this complaint with the longestttttttt explanation that is so ridiculous its not even funny AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Debt collection

Direct Recovery Services called last month and then again today. They are callilng for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They left a different number to return their call IMMEDIATELY at XXXX. The number that came up when they called me was XXXX, and when I called that number, I had to leave a message. Last month I told them to stop calling me, that I was not the person they were looking for, whoever that was. I do not owe a debt.

They left an account number on my phone for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number XXXX, various payment amounts with interest, and a ziip code of XXXX, which I believe is in the XXXX US. I live in the XXXX and that is NOT my zip code.
Product: Money transfer, virtual currency, or money service

In late XXXX I was unable to start my Coinbase app. At the time the issue was communicated to be a technical one on Coinbase 's side, and I was advised to " try again later. '' After days of trying I turned to log in to Coinbase via my web browser, but was prompted to re-verify my identity by posting my Driver 's License ( again ) and submitting a photo of myself. After that I eventually received a notification that my account was disabled, and I can no longer log into my account via a web browser. 

I am somehow still logged into my Coinbase app, which now " works, '' however I am no longer able to purchase anything and fear that as soon as something could happen to my phone/app, I will be logged out of my account forever and lose all of the funds I have invested through Coinbase. 

I have gone through numerous avenues to speak to Coinbase customer service to resolve or gain an understanding of the situation, and thus ensure my financial information hasn't fallen into the wrong hands, but each occasion resulted with me being told, " After a review of your account, weve determined we are unable to restore these restricted capabilities back to your account. Coinbase is unable to provide you any further information on the reasons for your account restriction. '' While they have informed me that I can still trade, sell, and cash out, I am still deeply concerned that I can NOT log into Coinbase any longer. I feel like my financial information has been taken hostage.
Product: Money transfer, virtual currency, or money service

Iam filling a complaintagainst cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.