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

On XX/XX/2022 I was offered a job as a data entry clerk for a company named XXXX XXXX. They gave me a check of XXXX to purchase equipment and they gave me a XXXX number to send the money to. My bank XXXX Bank of America ) provided me with the money before actually processing the check. The next day the bank refunded the check taking XXXX from me leaving my account- {$1300.00} plus dollars. They told me that because I was scammed they were unable to help me and the other bank was not cooperating with send the money back to my account for them to retrieve. Now Bank of America took money from my sisters account ( because we are both under my moms account as students ) today XX/XX/2022 and applied it to the negative balance that was left in my account leaving my sister with zero dollars in both her checking and savings account. They told me they could not transfer the funds back to her account. If possible I would love for my sister to be able to retrieve her money back and I would love for the other bank to give Bank of America back the {$1900.00} so I can get my {$600.00} back also.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Chase Bank shared my credit card account information ending in XXXX to a person that is not listed on my account on XX/XX/year> stating inappropriate conduct on calls with specialist which is defamation of character by Chase because that is simply not true.my rights were violated by that statement to someone not including on that account.I have included the discriminatory letter violating my privacy.

15 U.S.C 1681 section 602 ( A ) states I have a right to privacy.
Product: Vehicle loan or lease

Hello. Last Month my wife and i were worried about COVID 19 problems we call to SANTANDER CONSUMER USA about any help they can give us but they told the interes woul be ad to the extention and i no. she told me as a preventive mode do it if you don't need the help don't use it and the XX/XX/XXXX we singned the extention. today we did the payment wich belong to XXXX and they say that XXXX payment we said not it is XXXX and they say the extention can no be cancelled because we singned a document. we not not, you never told us that. we want to cancel and they said it os imposible. we are filling scamed .they are taking oportunity of the problem with COVID 19. We will no need any help and we want to do the regular payments.we singne the extention thinking it was preventive.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to EXPERIAN for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letter to them last XX/XX/2022 but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card or prepaid card

I have been locked out of my online about for two months. There is a restriction put on the account for reasons that the company somehow is not able to tell me. I've called nearly every day for well over a month but every time I call and put it in my information I hear an automated message that says " Due to unforeseen circumstances we are unable to assist you '' and then the line hangs up. After calling for well over a month I finally was able to bypass this message by NOT inputting my information ( making me believe there is a note on my account to reject my calls when my information is put in ). After waiting on hold for a few hours, I finally speak to someone and attempt to get my issue resolved. I am promptly told I need to speak to a different department who is " not in '' even though I call well within their business hours. After many difficulties, I am finally able to speak to someone who tells me I MUST fax over essentially my identity to get the restriction lifted. I do so within minutes of hanging up. I never hear back. I call again, bypass the message and speak to someone. After even more difficulties and threatening to file another complaint with the XXXX, I am finally told the issue is resolved and the restriction will be lifted within 48 hours. It has now been four days since I was told this but I am still UNABLE to log in. I have now missed two payments ( nearing on three ) because I am unable to access my account and pay my bill. I attempted to pay over the phone but was told I am not allowed because of the restrictions. I am being charged interest every month and my credit score is taking a hit with every missed payment ( I have NEVER missed a payment on any account before this ). I have tried every avenue of getting this issue resolved and it seems that Barclay 's simply refuses to lift the restrictions on my account. I need this resolved ASAP.
Product: Payday loan, title loan, personal loan, or advance loan

My information was stolen and a line of creidt was given to the suspect through credit ninja on around XX/XX/year> of the amount {$780.00} I didn't authorize my information being used
Product: Money transfer, virtual currency, or money service

I am using Coinbase for digital currency which is US based in XXXX XXXX. I created a vault option they allow to make it more secure. In order to create a vault, you have to add a secondary email so when you withdraw, an email is sent to your primary and secondary email to approve. I got an email stating my vault was created correctly under my main email XXXX and my secondary email of XXXX My ETH vault displays my secondary email as XXXX This is not my secondary email. I emailed 5 times sinceXX/XX/XXXX tilXX/XX/XXXX. I called twice to coinbase support and got the same response. " My case has been escalated to a specialist. '' I advised the support center person that I need access to my currency. I even told the support person that one of the emails from your support team suggested that they can move my coins/tokens from my ETH vault to my ETH wallet so I can have access to my own currency. I have all email proofs and need help resolving this asap. Each time I call them, they have me wait for 30+ minutes before a support person gets on the line and sometimes they dont even answer during business hours.

CASE # XXXX XXXX XXXX  XXXX ( XXXX ) XXXX
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX/ {$670.00} / XX/XX/2021 XXXX XXXX XXXX XXXX/ {$980.00} / XX/XX/2021
Product: Credit reporting or other personal consumer reports

I have a XXXX credit card listed on my credit report that was a credit card my mom opened for me that was linked to her credit account when I was XXXX. I never used that credit card and her account was originally used to pay for tires she had bought for a car. Now her balance that she owes is showing on my credit XXXX whole years later. she gave me the credit card as a backup in case I ever had a flat tire. I easily disputed this issue with XXXX and was able to get it corrected but Equifax literally won't even let me submit a dispute and just keeps telling me that it " can't process my request right now ''. I'm in the middle of trying to buy my first car and I have to dispute this first and I can't because all Equifax servers seem to be completely broken.
Product: Debt collection

Penn Credit Corporation sent us letters requesting payment on debt we never incurred or owed. They claim we lived at the address : XXXX XXXX XXXX, XXXX, XXXX XXXX. They claim we received utility service from XXXX XXXX XXXX XXXX with account XXXX. We have never lived at this address. We have lived at our current address for over 10 years. We do not even live in the state of PA currently. I called them and told them this is not our debt.

They did not believe me. They told me I had to go to the Sherrif 's office and file a document saying this is not my debt before they would stop their collections. I did not do this, I do not have time. I have requested proof of this debt in a written letter, but they have not replied yet. ( I just mailed the letter. ). I am not sure how to get them to stop their collections.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX # XXXX XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw a hard inquiry on my credit report from tj maxx/ syncb and Ive never applied for a credit card with this company
Product: Credit reporting or other personal consumer reports

This is my 3rd 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, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX WY XXXX, DE XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$1100.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVED I urge you to take immediate action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing me considerable distress. I did not authorize or initiate these accounts, and it is unjust for me to be held responsible for them. Please address this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i sent a letter regarding inaccurate and unknown things on my credit report to this day over 120 days I have not received a response yet. I feel like im being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

The whole thing started with an email I received confirming an order for an XXXX TV that was placed through my PayPal account for {$690.00}. This was an unauthorized transaction. I called Paypal Customer SupporXXXX line immediately to inform them of this fraudulent charge. I believe that the number was spoofed as I was online with a gentleman who claimed to be a supervisor telling me that the merchandise was sitting in a warehouse in California and someone had used my PayPal account to make this purchase. He then informed me that since there were no physical stores for PayPal in my city, that I would need to go to a XXXX or XXXX to offer authentication of my identity. This man had a thick heavy accent and I was following his directions because he seemed genuinely concerned about helping me protect my account, and my identity. A big red flag went up when he asked me to provide him with the last four digits of the debit card used for the fraudulent transaction. ( He said he needed this to transfer funds to protect me from being charged ). 

For if he truly was with PayPal, this information would have been accessible to him. I refused to give him this information and he became very upset saying he could no longer assure protection for me and I would be liable for the {$690.00} and he hung up. 

I immediately went to my bank and cancelled the debit card associated with my PayPal account. I closed my PayPal account and reported to the Attorney Generals Online Fradulent Division who recommended my contacting the FTC to report this case as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XXXX, How does Wells Fargo justify that someone XX/XX/XXXX took $ XXXXfrom my account when there was only {$11.00} in the account, there was no deposit that large and no accumulation of that much money? The blurred photo they have was probably me when I was at the bank to complain about this issue the first time and was referred to the manager, NO withdrawal. They said the 2 deposits of XX/XX/XXXX were taken to cover an overdraft, there is NO indication of a withdrawal or overdraft, no email or website note of an overdraft as they have done in the past when there was an overdraft. I ask the local bank manager if they showed the same blurry photo that can not identified to the police when the bank was robbed ant the robbers caught that afternoon, he said " YES ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the fraudulent inquiries that have been made on my credit report. I have never applied for any of the accounts listed. In addition, I have not authorized any person or company to access my credit report. This is a violation of 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.

I request that you investigate and remove any fraudulent inquiries from my credit report immediately.

Please provide me with written confirmation that this issue has been resolved. 

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
Product: Credit reporting or other personal consumer reports

I need your help regarding the false account reflected on my credit report. This has harmed my standing as a customer, and I am reaching out for your assistance. These accounts need to be removed because they are reported inaccurately and negatively affect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an installment loan with American First Financial on XX/XX/XXXX in the amount of {$450.00}. This account was paid in full on XX/XX/XXXX. Currently it is still showing up on my XXXX  report as being open with a balance of {$450.00} and no record of each month the item was paid on time. Approximately XX/XX/XXXX I called American First Financial to make them aware of the mistakes and to seek resolution. I was told at that time that they use a 3rd party to report to the credit bureau. They would email them and make them aware. I called back to AFF the  next day or two to make sure the 3rd party had received the request. I was told at that time by AFF that they could not give me any more information because the 3rd party doesn't have a phone number. All they could do was email them and they've already done that. I would have to wait 30-45 days to see if it had been updated on my credit report. Approximately 7 days later I followed up to AFF with another phone call. I asked if they had received any sort of response from the 3rd party at which time I was told they had no information from the 3rd party and again they could not follow up with them because they couldn't call them because they don't have a telephone number and all they can do is email them which they've already done. On approximately XX/XX/XXXX I visited American First Financial 's website where they have a section you can email them to report issues with your credit report. I wrote them an email outlining everything I am in this email. As of XX/XX/XXXX I have heard nothing from AFF and the inaccuracies are still on my Transunion report. 

I'm trying to purchase a home and I can not afford to have any inaccuracies on my credit report. I also made this clear to AFF.
Product: Credit reporting or other personal consumer reports

I recently received the results of my credit dispute investigation. I noticed that some accounts were verified, and I have several questions regarding the investigation process and the updates made to my credit report. 

What did you update? 

What did you modify? 

Did you really investigate my accounts? 

Additionally, I request the following information for each verified account : Account Name : XXXX XXXX  Date of Verification : XX/XX/XXXX Action Requested : Please delete this account from my records per USC Code 15 USC 1681, 15 USC 1681-2 Account Name : XXXX XXXX Date of Verification : XX/XX/XXXX Action Requested : Please delete this account from my records per XXXX Code 15 USC 1681, 15 USC 1681-2 Account Name : XXXX XXXX Date of Verification : XX/XX/XXXX Action Requested : Please delete this account from my records per USC Code 15 USC 1681 XXXX 15 USC 1681-2 Account Name XXXX XXXX Date of Verification : XX/XX/XXXX & XX/XX/XXXX Action Requested : Please delete this account from my records per USC Code 15 USC 1681, 15 USC 1681-2 Account Name : XXXX Date of Verification : XX/XX/XXXX Action Requested : Please delete this account from my records per USC Code 15 USC 1681, 15 USC 1681-2
Product: Money transfer, virtual currency, or money service

I have tried to verify my identity with COINBASE ( via app, via PC ) and it has failed repeatedly. I even setup my bank account, and provided them with the information that MATCHES my ID Card. I scanned the front AND the back ( NO glare, NO indistinct numbers, letters nor graphics ), and when my ID Card failed, I used my Driver 's license, and THAT failed. They have a policy that outright refuses refunds, outlined in their Terms of Use, and the money I gave them is now in limbo for EIGHT DAYS ( if not longer ), and I am not confident in their ability to lock in the rates of currency that  existed when I made the purchases. 

If I could get some information on how to take this further ( not to court, but to push this higher and higher until it can get the attention it needs ), I would appreciate it. I feel it would be all too easy for a company like this to use their " hold times '' to cause consumers to miss out on vital investment opportunities, and maximize their own profits in the meantime. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

my XXXX  account was paid in full XX/XX/2018, XXXX placed me in collections/late payment.
Product: Money transfer, virtual currency, or money service

XXXX/XXXX/XXXX Attempted enabling linking for transfer of funds with XXXX, received the following message upon attempting to link the account : " Capital One is blocking you from enabling external applications You have the right to access your financial data. Encourage Capital One to fix this by contacting them ''
Product: Debt collection

When i left from XXXX i sent all 3 devices back aith a tracking number. They confirmed that they received them, i paid my last bill and they said my balance is XXXX. After 2 years or more i got a letter from a debt collector for over {$1100.00}.