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

I was the victim of an internet scam. I had sent an email inquiry about a boat listed for sale on XXXX XXXX. I received an email from a guy named XXXX XXXX claiming to the seller. He stated he was selling the boat through a broker service named XXXX XXXX XXXX. There was a link to website and it looked like a legitimate company. I agreed to buy the boat and followed the payment instructions for a bank wire transfer which was sent on XX/XX/XXXX. When the boat didnt arrive as scheduled I called the number listed on the website and an agent told me I would be receiving an email within 5 minutes updating the status of my order. I got an email and it stated there was a minor accident and that the boat would be delivered the next day which was Friday XX/XX/XXXX. When the boat didnt arrive the next day I started having a bad feeling and I went online and found a XXXX  complaint that was identical to my experience. I called the bank immediately and the agent with the fraud claims department said I would need to go to a XXXX XXXX brach since I done the wire transfer in person at a branch. When I arrived at the bank on Friday at XXXX it felt like everyone was reluctant to assist me. A banker did call the fraud department and I explained the situation again and was told the same thing. I told the agent that I was at a XXXX XXXX branch using their phone. I set the phone down and found a banker to take the call. XXXX XXXX helped me after talking to the agent on the phone. She did a XXXX wire transfer reversal and gave me a case number. The money was sent to a JP Chase Morgan bank account and as it turns out my boat partner XXXX XXXX has a bank account with Chase bank. She had given me half the money for the boat purchase by depositing a check into my account the day before I did the transfer. On Saturday XX/XX/XXXX she went to Chase bank to make complaint because the bank was allowing scammers to use Chase bank. The agent she spoke with said that Chase was aware of the issue with account as of 4 days prior to her visit. XXXX called me on XX/XX/XXXX and said they were still waiting for a response from Chase bank about the reversal. I received a letter from XXXX XXXX dated XX/XX/XXXX that I didnt receive until XX/XX/XXXX that I would not get a refund as Chase would not return the money and the inquiry was considered closed. I called XXXX today XX/XX/XXXX because I missed a call from her last Friday. She said they had made several attempts to reverse the response. I also called the fraud department to verify this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I disputed a collection account XXXX XXXX XXXX, on my Equifax online stating it was not mine/no knowledge of this account. XX/XX/XXXX I received a response back stating remains/verified *but with no status date. * Which indicates no investigation was done. XX/XX/XXXX Mailed a dispute letter for collection accounts XXXX XXXX XXXX  XXXX. Mailed a redispute for XXXX XXXX XXXX. To this day XX/XX/XXXX still have not received anything well pass 45 days. XX/XX/XXXX Redisputed online about XXXX XXXX XXXX. XX/XX/XXXX Received same response remain/verified but with no status date. Which means no investigation. Called Equifax on XX/XX/XXXX re-disputed XXXX XXXX XXXX with representative. Received the same response by mail with no status date. No investigation. XX/XX/XXXX Mailed re-dispute for XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX XX/XX/XXXX Spoke with a representative today explained my situation that no one is investigating they are just sending me information or nothing at all, I feel to be quiet. I am only asking for my information on my credit report to be accurate. She began to tell me she couldnt delete my information. I explained to her I know my rights if there is any inaccurate or incomplete information on my report then it has to be deleted. I politely ended the call when she kept reminding me what she couldnt do. Which is the same thing I been complaining about them not doing a proper investigation. So now Im filing a complaint with you to hopefully assist.
Product: Credit reporting

Tax lien that has been released is still showing as unsatisfied on Transunion. Disputed several times with sending a copy of release and it is still misreporting
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX, XXXX XXXX creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$51.00} ; XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account : XXXX  XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, and Equifax has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

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

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, LA XXXX
Product: Debt collection

On XX/XX/22. Me and XXXX got paid and the founds were deposited inti our XXXX XXXX joint account in XXXX, that afternoon all the money were from our saving account ( XXXX ) and XXXX from our checking account because of a credit card balance judgement on me only ( not my XXXX ). Under XXXX laws the joint account between XXXX and XXXX is protected from garnishement. But the bank XXXX XXXX still processed the transaction illegally even after speaking with their legal department on XX/XX/22 twice, they were very rude and did not care about the law nor my situation. So we were left with only XXXX dollars on our account, we have XXXX kids and now we cant even survive. This was illegal!! Please note that the judgement is only on my name and it said that the send the paper work for the court to an old adress that I have nt live there in years. This whole process is illegal and XXXX XXXX bank did not care about the law!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting agency : please help me I'm suffering from these scams for a few years I looked for a solution I couldn't find it, until a friend told me to get in touch with you he told me that you guys are excellent now solve these scams I'm very confident in you for please help me!
Product: Credit reporting

I have been requesting verification of the following account that Equifax continues to report on my credit file : XXXX FED Bk CT- XXXX XXXX Case ID XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX as the source of their verification on XXXX XXXX, XXXX. 
On Monday XX/XX/XXXX I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Lei agent ID # XXXX and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. 
She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my Lexis Nexis credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/XXXX. 
I demand that this public record XXXX FED Bk CT-XXXX Case ID XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agent assured me that Equifax '' s so-called " verification '' on XX/XX/XXXX WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX XXXX FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : XXXX FED Bk CT-XXXX XXXX CASE ID XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I demand and request this public record : XXXX FED Bk CT-XXXX XXXX CASE ID XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. A XXXX XXXX agents XXXX XXXX ID XXXX ) assured me that Equifax 's XX/XX/XXXX " reported date '' and " verification date '' DID NOT come from XXXX because they DO NOT disclose information on accounts with a security freeze placed on them. Please help! 
________________________________________
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED/ MISUSED CREDIT REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It has come to my attention that my personal information has been exposed in the XXXX data breach. Upon reviewing my credit reports I notice many accounts and one inquiry that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of proof that my information was impacted during the XXXX data breach, and a validation of debt letter.
Product: Credit reporting or other personal consumer reports

The credit reporting bureaus, in general, have become very difficult to deal with. I will try to outline the difficulties I have encountered today as an example of the general difficulties and roadblocks erected in dealing with these companies. 

XXXX : Can not get a printed or PDF copy of a credit report online. This must be requested thru another party ( XXXX ) that requires additional sign-up involving deeply personal information ( SSN ) creating yet another leak source XXXX calling the company. That phone call took over XXXX minutes on hold and involved giving all of the personal information to both the IVR ( telephone interactive voice response system ) and the human rep that eventually answered. In the end they would not allow me to have a copy of the report without providing a copy of my driver 's license through an additional procedure. I declined in frustration and left polite feedback about the specifics of my difficulty with them in this interaction. The human I dealt with was fine ( even wonderful ). It's the System that is the problem, and they have no real motivation to fix it. 

TransUnion : The login credentials used for XXXX XXXX are not the same as a " front door '' login. I was able to get logged in thru the XXXX XXXX angle then navigate to the Credit Report location. The website said I recently received a report ( which I had not that I am aware of ) and would not process my request, directing me to call a phone number, which lead to an IVR that was impossible to get through. 

All of the bureaus are VERY MISLEADIING in wanting users to signup for a paid service. 

Please address this. 

Thanks
Product: Credit reporting or other personal consumer reports

To whom this may concern, After checking my credit reports I have found some false inquiries listed on my most recently reviewed consumer reports, there are unverified inquiries that does not have accounts attached. Also, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
Inquiries Listed Below : XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX, Inquiry : XX/XX/XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XX/XX/XXXX XXXX  XXXX, Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX, Inquiry : XX/XX/XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I want to be explicitly clear with my request. I am not requesting validation of debt, but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. 
Starting 30 days from the date on this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX XXXX Without Prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 5 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

No one is above the law. 
Any debt collectors have to obey the law, no matter how rich or powerful you are I want 100 % accuracies.

Permissible purposes, its there to protect consumers privacy. This company has not received and written consent from me the consumer or an order from the court to report this alleged debt. The law states anything that has been issued by the government and its related to me is my identity, such as ssn, address dob. I decide what can be reported or not. 
Therefore who transferred my information to a different company its illegal.
Product: Debt collection

Client called XXXX after closing account and switching to another carrier to see if she owed after paying her last received bill. She was told that if she did owe anything, they would send a bill. She never received any bill or notification of amount owed. She later reviewed her credit report and found that she had a collection account from XXXX for {$240.00}. When she called XXXX to resolve this issue, they refused to acknowledge that the error was on their part, that the client had attempted to confirm any remaining balance owed ( which XXXX did not confirm ), and that the client had never received a bill for the amount.
Product: Vehicle loan or lease

When I first purchased the XXXX XXXX in XXXX I asked the dealer for GAP insurance. My daughter totaled the vehicle XXXX. I found out that day that the dealer did not add GAP insurance as requested. The insurance company paid XXXX towards the XXXX that was still left to pay. The loan company did not apply the check right away which caused more interest to be added to the account. I called to request a reasonable settlement amount so that I can pay off the car, I have always paid on-time and have always payed over the loan amount. The balance is around 1900. They offered XXXX as a settlement. I believe that they have been excessively charging interest and intentionally did not apply the insurance check to the account immediately so that more fees could accrue. I was told that the only option was to pay the XXXX, or else the full amount which is still accruing interest. After experiencing this, I would like to have my account looked over due to believing that I have been paying more interest that is actually owed.
Product: Checking or savings account

In XX/XX/2023, I applied for a {$5000.00} loan through a text message I received. I believe the company was called XXXX. Shortly after I applied I received a phone call from the company stating I was approved for the loan. The person I spoke with name was XXXX. Sounded professional seemed legit and he was asking who I banked with and asked basic questions ( name, address etc ) then XXXX asked me for my banking info. Thinking this loan and company was legit, I gave him my banking info. He asked how much was in my account. I had - {$89.00} in my account. He asked my credit score and told him XXXX and he said my score is to low but they will honor the loan. XXXX mentioned that once they contact the bank, there will be a hold on funds by my bank. He then asked if I had XXXX XXXX and had Bitcoin. I said yes and XXXX asked for my info and funds were being transfered from bank to cash app to Bitcoin repeatedly. While at the same time I was being told that I would be getting the loan. This all started on a Monday and by Thursday night I emailed my bank to say something didn't seem right and if they could check it out that Friday on the XXXX  I was getting a social security XXXX check direct deposited and the check went through but then I was XXXX negative in my account and they took my social security check and then disabled my account I called that Friday and they said that since I was willing to get my bank account info to this company that I was responsible for paying back the money the money dropped from {$14000.00} down to roughly XXXX I didn't know I was getting scammed I thought this was all legit and now I got to pay it back to my bank I talked to the front department I talked to customer service and all they could tell me was you were held responsible and I asked why and they said because you were willing I then received a letter in the mail saying that I benefited from these transactions how could I benefit from these transactions when I was negative {$89.00} in the hole I did not come I didn't get the loan and now I'm XXXX in the hole how is this right my bank will not refund or reverse it I can't get into my bank accounts until they said my account is XXXX XXXX so my account is on hold disabled how am I supposed to take care of it when everything 's on hold or disabled I am not going to pay the negative amount this is craziness not very happy
Product: Money transfer, virtual currency, or money service

I used the service CashApp to send a payment to a merchant/individual for a moving service that promoted a 50 % discounted price for household items. The merchant/individual requested that I send {$890.00} through CashApp for their service, in which I sent the payment on XX/XX/2023. After sending the payment, the merchant/individual did not complete the service and upon asking for a refund, the merchant/individual blocked me from communication through XXXX and from their mobile number. I submitted a dispute on on XX/XX/2023 to get my funds back in which CashApp said it would take 10 business days to investigate the dispute on XX/XX/2023 CashApp denied my dispute and stated to call to receive supporting documentation of their findings upon calling, they did not provide support to base their decision and refused my supporting documentation that I was indeed scammed. I spoke to two representatives, the first representative hung up in my face and refused to let me speak to a manager, the second representative told me that they don't have supporting documentation of the decision but that the decision was made because I sent the money and they are unable to refund a transaction and to contact the merchant/individual to request the money back which I have attempted to do and no longer can do because they blocked me. The second representative sent a request for management to contact me and I have not received communication from the manager.