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

XXXX XXXX tricked me into a fraudulent subscription, and now I'm being required by PayPal, which was used as a payment provider for this fraud, to pay the outstanding balance for this charge. I've filed a dispute with PayPal but it was denied without any explanation. 

Please read the attached document for a detailed explanation of how the fraud was perpetrated. 

Thank you!
Product: Debt collection

Recently I was notified by XXXX  that a fraudulent account XXXX {$340.00} was being reported by Radius Global Solution. Radius Global Solution has never communicated with me about this fraudulent account. This account is not mine. Radius Global Solution has violated my rights under the FCRA. This fraudulent account they are reporting to XXXX  is having a adverse effect on my credit rating.
Product: Debt collection

There was no category matching my complaint, so apologies for selecting " calling before XXXX XXXX or after XXXX XXXX. '' This is regarding Moore Law Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, phone number ( XXXX ) XXXX. My issue is that the company is very hard to get a hold of, and has not sent me a contract for my payment plan with them, so I am currently making payments without a signed contract acknowledging our agreement. I have been making payments since XXXX. I have called them frequently, but am most often sent to voicemail. Last time I was able to get through to someone, I asked for a contract, and they told me it would take some time. When pressed, they explained that it was not their department that took care of contracts. When asked to be transferred to the department handling contracts, I was told that was not possible. I just want a contract so I can continue making my payments toward my payment plan in good faith. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX XXXX XXXXXXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX 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 need a refund for a scam. Cash App only let me send {$32.00} thankfully to this fraudulent seller. I was attempting to purchase, at a steep discount, a XXXX XXXX for my boyfriend 's use for XXXX. We are way below the poverty line and not in good shape financially, and I've never had much issue with people on XXXX that are members in groups local to me. This XXXX XXXX XXXX turned out to be dishonest and consequently blocked me or made me unable to work something out. I know it was scam because Cash App did, thankfully, block my sending the remainder of what was requested to cover shipping ( up to {$50.00} ). I then realized this seller was problematic/fraudulent.
Product: Credit reporting or other personal consumer reports

these hard inquiries are fraudulent and doesnt belong to me and need removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

XXXX XXXX automatically filled in my direct deposit information to my credit karma account ( they are a connected entity I believe ) though my credit karma account was deleted months ago. I tried to contact credit karma and they gave me the run around to close my support request only to contact me a day later to offer help which has gone no where. They have my tax refund and will not give it to me.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the electronic funds transfer act as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you for your attention and assistance in this financial matter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for some personal loans on a few sites, and apparently my information was sold to numerous foreign groups who started calling repeatedly and aggressively saying they were from legitimate companies like XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I spoke to numerous representatives who were all promising loans but needed a deposit first. One company did not want money, but {$200.00} in XXXX cards saying that the money would be refunded after the first payment. I called the police and they have opened a report. I called XXXX XXXXXXXX XXXX   and they are aware of the scam. Everyone seemed to be aware but me. I had sent them my ID, and they already had all of my banking information as well.
Product: Money transfer, virtual currency, or money service

I purchased XXXX concert tickets and was scammed out of my money and tickets. I purchased XXXX tickets for {$1600.00}
Product: Mortgage

I lost almost everything after my divorce and had a had time putting my life back together But I did get things turned around and back on track I am working and making good money I can pay for my family home. I need and want to keep my home Please Help. This is all I have left the house has been in my family for years and the one place the kids can still call home I know the house needs a lot of work and is only worth XXXX of what is owed the bank today but I am willing to do the work to fix it up and pay what is needed to keep it. I also know the Bank has someone they know trying to buy it for next to nothing .Now that it not worth it and I have paid on it for years why should n't get a chance like that to help me afford to save my home Please Look into This and help Me Save My Home Before They Take It From Me.
Product: Money transfer, virtual currency, or money service

I was arrested on XXXX XXXX XXXX and was released on XXXX XXXX XXXX while I was in jail with no access to my Chime account, app, or card. There was {$1200.00} taken from my account. On XXXX XXXX XXXX I contacted Chime regarding the transaction and explained everything and emailed them my dispute with proof that I wasn't able to do these and I didn't authorize it. So in 15ins minutes I got a denial and said no errors, I kept dispute because I knew it was fraud, they kept denying it and then closed my account and said to bad nothing can be done because your account is closed.
Product: Mortgage

My mortgage company offered Covid assistance payment deferment ; however, once the deferment payment period ended I was allowed to set-up a payment plan to pay back payments. I completed the payment plan as scheduled-but my credit was reported late while on the payment plan ( docking my credit XXXX points ). For people struggling with payment the assistance was greatly needed, but at the detriment of someone in need credit is unfair, at the very least ( especially without notifying consumers that this would happen by using the assistance program )! I think that an assistance program should help and not hurt-especially when consumer does everything asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted transition and XXXX and they have not corrected a collection account that does not belong to me. I dont have money to subscribe to their membership. I already pay for XXXX with XXXX. XXXX opened a fraudulent account and has not been able to prove its legitimacy. Transition and XXXX need to remove this collection account under identity theft rights. These companies do not show a security freeze for identity theft despite my requests.
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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit card

I visited a Best Buy store a few weeks ago to apply for a Best Buy credit card from Citibank. The employee conducted a credit check to determine my eligibility for the card. After completing all the necessary steps and running my credit report, we received the results within 4 to 5 minutes, which unfortunately showed that my application was not approved. According to the Fair Credit and Reporting Act, I have the right to be informed if any information from my file was used against me. If a credit report or consumer report is used to deny credit, insurance, employment, or take any other adverse action, the person or entity must disclose the agency 's name, address, and phone number that provided the information. 

Citibank failed to comply with the law by denying me a credit card without providing a reason. I am seeking the name of the furnisher responsible for this adverse action so I can pursue a tort claim against them for denying me credit without justification. This is not a representation but a warranty of fact. An adverse action was used against me in the act of trying to obtain credit using my own credit through my social security number that states that the social security number is an unlimited credit up to {$25000.00}. So, why am I getting denied to use a partial of my unlimited credit?
Product: Debt collection

My name is XXXX XXXX, I was continually bullied on all calls made to me to collect a debt by Capital Accounts Llc in Tennessee. I was told I was a no it all after i requested a DNC and I was told I could n't speak with a manager. When I told them I filed a complaint with the XXXX I was told I was better than that. The gentlemen continued to bully me. When I filed a complaint with the company I never received a response. I am a debt collector also of a very well profound company and can not believe how I was spoken to. When I told them I planned on retaining an attorney the man " XXXX '' laughed at me and said well we 'll see .. Send that in writing.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Late Payment {$0.00XXXX XXXX XXXX XXXX XXXX  {$300.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX  {$82.00} XXXX  XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Collection {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Collection {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX Charge-off {$1300.00} XXXX XXXX  XXXX Charge-off {$2500.00} XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Charge-off {$0.00} It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Credit reporting or other personal consumer reports

I formally dispute the reporting of an XXXX XXXX business account on my personal credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy in credit reporting. Including this business account, for which I am merely an authorized user and not the owner, constitutes a clear violation of this mandate, as I bear no financial responsibility for this account.

The inclusion of this account has severely impacted my credit score and, consequently, my financial and personal life. It has caused difficulties in securing financial opportunities, including higher interest rates, denials of credit applications, and undue stress. These consequences have arisen solely from the inaccurate reporting of a business account that does not belong on my personal credit file.

Additionally, according to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), information providers, such as XXXX XXXX XXXX XXXX prohibited from furnishing information they know or have reason to believe is inaccurate. The attached documentation from XXXX XXXX explicitly confirms that this account is a business account, further substantiating that it does not belong on my personal credit report. 

I hereby request the following actions : Immediate re-investigation of this account in compliance with 15 U.S.C. 1681i ( a ) ( 1 ), including a review of the attached evidence, which establishes the account 's status as a business account.

Removal of this account from my personal credit file, as required under 15 U.S.C. 1681c ( a ) ( 6 ), to ensure compliance with accuracy standards mandated by the FCRA.

Please confirm the completion of your investigation and any corrective actions taken within the 30-day period stipulated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Equifax : XXXX XXXX : XXXX XXXX XXXX, XXXX Responsibility : Individual Open/Closed Closed XXXX  Account number XXXX Individual Open/Closed Closed Date Opened XX/XX/XXXX XXXX Responsibility : Individual Date Opened XXXX XXXX, XXXX Date Closed XXXX XXXX, XXXX Thank you for your attention to this serious matter.
Product: Credit card

In XX/XX/XXXX JCPenney credit card switched to JCPenney mastercard. During this switch I was notified I would be sent a new card which I was. Though the number and logo on the credit card were different all my account information was the same. On their website I still logged in under my old username and password. Even my bank information to make payments to them had been saved. Apparently the only thing that did n't get carried over when they made the switch was my enrollment in auto bill pay. I was never notified of this and assumed my monthly minimum payment would be deducted from my bank account as it always had for nearly two years. A few days after my payment to JCPenney mastercard was due I noticed no money was deducted from my bank account. I went online and noticed I was not enrolled anymore in auto bill pay! I called their XXXX number and resolved the {$25.00} late fee they had charged me. In XX/XX/XXXX I re enrolled in auto bill pay. XX/XX/XXXX auto bill pay again did not go through! When I called them again to find out why they explained that sometimes it can take a full billing cycle for the enrollment to go through. Though no one notified me of this previously. This time they denied my request to refund the {$35.00} late fee. At this time I closed my account with them and paid the late fee as well as the normal minimum payment. XX/XX/XXXX my minimum payment increased from {$25.00} to {$35.00} despite my total balance going down. 
I ca n't understand how I was enrolled in auto bill pay for two years then suddenly need to re enroll without any notification. I have never had a late payment with them before and I feel it was sneaky on their part and wonder how many other customers went through what I went through. I am upset that this will show up on my credit report as a late payment as well as having to pay the {$35.00} late fee. 
Interestingly enough XXXX also made the switch to XXXX slightly before this and yet I remained enrolled in auto bill pay with them. I am very upset with JCPenney and would like my late fee refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one auto finance is reporting late payments monthly when the debt was reported as a charge off 3 years ago. They additional reported it as released debt to government. They seem to be double dipping and should not be reporting late payments when the account is closed.
Product: Money transfer, virtual currency, or money service

I am formally expressing my concerns regarding Zelle 's handling of disputes. there has been several attempts made to solve discrepancies with both my banking institution as well as zelle. They have told me that lost funds are unrecoverable. I have lost more than enough with them and my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Money transfer, virtual currency, or money service

I was scammed- did not realize at the time. 
Went Bank of America was transferring approx. XXXX. 
( First of all this should be a red flag for BoA ) Week or so after BoA called me and said there is a problem with the transfer I tried SEVERAL TIMES TO call the bank No answer. Around here you can just walk in to the bank you have to make an appt. So my appt wasnt for a few day later. 
When I went to my appt the person at BoA said since I could not reach you I TRANSFERRED the money ( which is a total scam ). 

Also there is a company swift logistics provider keep threatening me!