23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Purchased {$23.00} item online, month later it never showed up, so I went back to original purchase site and called the number that said it was XXXX. 
I spoke to a female who connected me to another person who was in the fraud department. 
Found out later that was the scammers the whole time he claimed he was reversing the charges. It never happened he was using me to purchase more XXXX XXXX gift cards with my credit card. 
It totalled 8,000+ in charges. 
I finally got thru to the real XXXX and they reversed the {$23.00} dollar charge, they said I need to speak to citi bank for the rest. 
I called citi Bank they did an investigation and determined I was liable, they suggested I call XXXX XXXX for help getting this reversed on there end They have an investigation open for a week now but will not respond to any of my inquiries for an update. 
I've sat on hold multiple times for up to 40 mins only to get hung up on..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX XXXX XXXX with no successful resolution. XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

Hello, awhile back I opened up a complaint regarding payments that were marked as missed on my credit report. It had severely set us back in terms of payments and applying for other things, and we were certain we had paid them. My " investigation '' had taken much longer than the estimate I received, and I even had to call in order to finally get a response. Having waited on this response we had to catch up on the extra payments that were deemed missed, and it has affected us negatively. Seeing these articles regarding improper investigations I am a bit concerned on whether this issue had actually been looked into properly back then
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to express my extreme frustration and anger regarding the recent findings of inaccuracies in my credit report. Upon conducting an investigation, I discovered numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported correctly.

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report is 100 % accurate. However, the accounts in question are clearly in violation of this requirement, as outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). This negligence on your part has not only caused me severe emotional distress but also jeopardized my financial well-being.

I demand immediate action to rectify these errors and ensure that my credit report reflects accurate information. I have attached copies of all previous correspondence sent to your agency for your reference.

Failure to address these issues promptly will leave me with no choice but to take legal action to protect my rights under the Fair Credit Reporting Act.
Product: Checking or savings account

I applied for and opened a TIAA Bank checking account on XX/XX/XXXX. I applied under a {$250.00} promotional bonus offer, which required qualifying direct deposits of at least {$1000.00} within 90 days of account opening. I successfully fulfilled this requirement by having an employer payroll direct deposit of {$1000.00} posted on XXXX. 
The promotional offer terms stated that the {$250.00} bonus amount would be deposited into the checking account within 120 days of account opening date. The 120 days date for my account would have been XX/XX/XXXX. This date has now past and no bonus has been credited to my account. 
I sent TIAA a secure message on XX/XX/XXXX within my online banking account inquiring about the status of my promotional amount being credited. TIAA bank took 4 days to respond to my message, only to inform me that I am not eligible for this promotion. I find TIAA Banks response to be unacceptable and deceiving as a customer because I applied for this promotion from a public offer landing page and successfully signed up and completed all stated requirements. Only after I followed up via secure message to inquire on the status of my promotional being credited to me, was I then told that I am not actually eligible for this promotion, which makes no sense. It is ridiculous to me that the bank can only tell me this after I followed up, when it was previously communicated by approving my account and allowing me to apply for a checking account from a {$250.00} promotional page that all signs pointed to the fact that I am indeed a properly eligible and qualified customer for this promotion. 
With consideration to the information provided above, I respectfully request that TIAA Bank rightfully issue the {$250.00} promotional amount to my checking account as part of the offer I signed up with and successfully fulfilled the requirements for.
Product: Money transfer, virtual currency, or money service

I made a wire transfer of {$53000.00} on XX/XX/2021 to Coinbase. My money was deposited successfully, I left it there and trusted Coinbase is a safe platform and left my balance untouched. A week later, I wire transfer {$18000.00} to Coinbase again. When I checked it hours later, my balance was only 0. Nothing left in the account. I contacted their customer service and no one answered the phone. Just yesterday they email me and let me know my account was hacked and locked my account as well. I dont share any information to anyone, Coinbase is the only one who had control over my balance and my money just vanished without any proper reason. I lost my savings of over {$70000.00}. They still hang me on without any follow up emails. 
I want to report this company and ask them to give back my money.
Product: Debt collection

Source rm federal violated my consumer rights and they must pay me XXXX for 6 diffrent violations on my consumer rights They have received my affidavit of truth, cease and desist, and a invoice on this matter also questions that must be filled out completely and sent back to me with in 30 days. All certified mail.
Product: Checking or savings account

Direct deposit for paycheck not received as of XXXX on the day it is due. Reached out to them on XXXX  and they claim an issue with a third party vendor.
Product: Credit reporting or other personal consumer reports

I did not give consent for these inquiries and firmly suspect they are fraudulent. I request a comprehensive investigation and swift removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}
Product: Debt collection

I was speaking to a manager named " XXXX '' he was ok to talk to and when I called to speak with him to pay it off as it was a pay to delete the woman on the other end of the phone who was the " manager '' on duty she told me to go XXXX myself and other prophanity they do not pay to delete. I was promised over a recorded line they would delete this and it would not affect my credit score.
Product: Credit card or prepaid card

On XX/XX/2020 and XX/XX/2020 there were charges at XXXX XXXX XXXX XXXX AZ for {$310.00} and {$200.00} supposedly purchased with the chip. 

I called the fraud services and immediately received a new card and they began the resolution process. On XX/XX/2020 they charged back these charges to my account stating that there was no fraud. I called customer service and they said that I needed to submit documentation but would not tell me what type of documentation. I then found a receipt that I was at a doctors appointment in XXXX, California where I live the day of one of the charges. I faxed the information to US BANK. I then called to follow up and they said I needed to talk to a fraud specialist and they would call me within 24 hours. I have not heard from them and it has been over a week. They also stated it was not fraud because chip cards can not be duplicated.
Product: Credit card or prepaid card

I have used my Best Buy store credit card ( CitiBank ) twice this year. I noticed that I had been charged for Debt Protection twice, yet I never agreed to this service. I sent a secure email through their online service and have requested a removal of this service and a reimbursement yet I have not received a response from Best Buy on the matter. 

Two Transactions. 
XX/XX/2019 - {$0.00}. XXXX. 
XX/XX/2019 - {$0.00}. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing a medical collection account from XXXX XXXX XXXX. In that first dispute letter i asked Equifax for proof of verification for the account or delete it. An original consumer contract signed by me. Equifax verified the account without sending me proof of any verification. Meanwhile i contacted XXXX XXXX XXXX to have this account verified, they sent a statement with my medical records on it but didn't provide a HIPAA medical records release. Violating my HIPAA rights. So I sent another dispute to Equifax with documentation of the HIPAA Violation on XX/XX/2019, notifing them my HIPAA rights are being violated and that Equifax is also violating my HIPAA rights if they don't provide me with a HIPAA release or delete this account. Once again Equifax ignored my request and verified this account without providing me with proof of varification or a HIPAA medical release. I sent a third dispute only to get the same result no proof and no HIPAA release.
Product: Debt collection

Im not familiar with the debt I believe I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed a fraudulent account on my report this account is not mine and it need to be remove from my credit immediately because it's hurting my financial needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

three credit bureau reporting inaccurate information and violating my rights under United States XXXXode 15 USC 1681 ( a ).
Product: Bank account or service

Recently, a representative with U.S. Bank National Association encouraged me to sign up for a feature that will cover any Debit/Check transactions, and still charge you the {$36.00}. They said whether or not the charges are actually covered, is up to the Bank 's discretion. And what I have found, is that the Bank actually covers only XXXX-XXXX % of those charges, thus setting up a system where they can be resubmitted by the Creditor to U.S. Bank so that I will be charged recurring {$36.00} fees. Furthermore, recently I made a trip and made XXXX-XXXX purchases with my Debit Card. At the time of purchase, all of these charges were covered by current funds in my account. But due to the 4th weekend, they delayed processing them for several days, and because I had a subsequent purchase after that fact, they ended up charging me about XXXX-XXXX {$36.00} Overdraft Fees. After speaking with a representative over the phone, They did reverse XXXX of the fees, but I was still left suspecting that U.S Bank National Association is manipulating the system and the time frame in which they cover charges, to maximize the number of NSF and Overdraft Fees they can charge a customer. This is illegal and criminal and should not be allowed to continue. I can imagine the Class Action against USBNA is going to be in the XXXX of $ 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX XXXX  XXXX HAS INFOMATION ON MY CREDIT REPORT THATS NOT MINE AND THEY REFUSE TO REMOVE AND DELETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I was getting prepared to purchase a home. The lender pulled my credit report and Experian has someone else 's information on my credit report. I have disputed the items including accounts, names, and addresses and some have been removed but some items are still listed. They are listing several open student loans when there should only be one open student loan that I consolidated. The remaining loans are the other person 's as well. This upsets me because I am very credit worthy and this is n't fair. Experian is the only credit reporting agency that has this incorrect information. I am sending pages of my credit report showing the incorrect accounts that I disputed with them and have yet to be removed. As of today 's date they are still reporting. The most frustrating part is I had to send them proof of my identity and they still did not confirm the information. The other person has the same first name but NOT last name. Also I believe the other person 's social may be very close to mine but that is no excuse for Experian not to be thorough in their investigation.
Product: Credit reporting or other personal consumer reports

Multiple misspelled names & addresses that do not have the correct zip code and 2 addresses I have never lived at as they a business
Product: Credit reporting, credit repair services, or other personal consumer reports

1. TransUnion 2. XXXX 3. XXXX The/XXXX  I 'm authorized XXXX XXXX is primary account I  am an authorized user on these accounts or cards and you still have n't place them on my credit file. I would like for you to immediately place the accounts on my credit report please. The card user contacted you several times and authorized me on the cards for all 3 bureaus but you never performed the task by placing me on the accounts why is it taking long. 

TransUnion and XXXX accounts not reporting : 1. TheXXXX Opened XXXX XXXX balance is {$2100.00} 2. XXXX XXXX opened XXXX/XXXX/XXXX {$3300.00} reports on the XXXX of the month good standing on all of my payments current last payment XXXX XXXX. XXXX XXXX accounts not reporting 1. XXXX XXXX Opened XXXX/XXXX/XXXX {$3300.00} reports on the XXXX of the month good standing on all my payments current good standing. Last payment XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the XXXX XXXX XXXXXXXX in 2010. At the time the proffessor failed to enter my grade into the system and I was notified that I had a balance due because dropping the class meant I was now a part time student not full-time student so Financial Aid was refunded. I went to my financial advisor XXXX and explained that was incorrect. I never withdrew from the class. As a matter of fact I A'ed it. I went back to the proffessor, he said he's correct the error and brought proof to my financial advisor XXXX. At the time I explained that I will not be returning to school due to the fact that I was going through a XXXX, pregnant, seeing a therapist, etc and didnt want to mess up my GPA XXXX He said no problem. However, for me not to be responsible for the funds they returned to Fianacial Aid, he's going to have to put me in classes, apply for the funds from Financial Aid to get the class they mistakenly send the money back for covered, then he'd withdraw me from all the classes and I'll be OK. I specifically told him I don't want this to effect me in any way or have issues. It didnt sound right. He said not to worry, I'll be fine. Of course, as a student, you'd think I could entrust in my financial advisor. Once I saw it on my Credit Report, I immediately starting trying to resolve this issue with the school through phone calls and emails. I just kept getting transferred. Then I tried disputing it with the credit beureaus, they would come off and reappear as something new because the accounts keep getting sold. I contacted XXXX XXXX XXXX last week to find about my transcripts which still shows as me dropping the class. i never noticed before due to the fact I never requested them till now. I explained everything to them and they didnt want to hear anything. they said I waited too long. I told them I complained immediately when everything happened and was told it was resolved. now I see it hasnt. I asked to speak to the proffessor or my advisor, they said the campus closed so I cant do anything. I don't know where else to turn. It is frustrating being responsible for something they made an error on, and fraud just to get paid and still didnt give me my credit for a class I took which was difficult for me to get through. The accounts are currently showing under US DEPT OF EDXXXX {$9700.00} XXXX XXXX and the other is {$7300.00}. 
They need to remove this off my credit. It is not valid. I also have a letter clearing my debt.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX number : XXXX
Product: Mortgage

Because of the holiday, they posted the payment when they received it which put us over 30 days late which means that the company we are trying to refinance through cant do it. We would like to have Carrington to either change the date to when the payment was made XX/XX/year>, or at least send or note the account to show that the holiday caused this
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX, I applied one time for an auto loan with XXXX XXXX XXXX XXXX in XXXX, Oregon using a finance company doing business as XXXX XXXX. On XX/XX/XXXX ( XXXX years later ), XXXX XXXX XXXX based in XXXX, Oregon made at least two unauthorized inquiries known as " hard inquiries '' into my personal credit report by way of at least two credit reporting agencies known as XXXX  and Equifax. Again, these inquiries were done without my permission. I called XXXX XXXX XXXX XXXX, Oregon and spoke to a woman who answered the phone. I told the woman that the company she answered the phone for had no authority or permission to do a hard pull on my credit report. I also requested that the inquiry be withdrawn from the credit bureau record. The woman disagreed with me and went further to say that she believed that ( XXXX XXXX ) could and would perform a hard inquiry once a month with all three credit bureaus until the end of time. I contacted the credit bureaus listed above and their customer support people told me that the only way to dispute the unlawful inquiries was through a form or process through the Federal Trade Commission. The Federal Trade Commission forwarded me to this website.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX-I have never been late on a payment pursuant to 15 usc 1666b , late payments can not be reported onto an open line of credit, this late payment remark is a defamation of my good character, please remove. 

The following hard inquiries are not attached to an any open accounts on profile, nor have i given written consent for them to be placed onto my report. Pursuant 15 USC 1681 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries in my report that I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

Lobel has been reporting inaccurate information to the credit bureaus and on multiple occasions they will fix it and then the next report they will revert back to the previous reporting. They have also had major gaps in reporting and then tack on added unspecified fees to the account. I have asked to verify these fees added to the Charge off and it has yet to be sent. They also are reporting inaccurate dates and amounts paid and owed. I request that this account be removed immediately because of the unethical reporting and failed communication from this company. I have not received one letter in regards to this charge off since the car was picked up in 2019 after 45 days! This is ridiculous and should be looked at the way this company conducts business. The amount of times i have had to dispute these false reportings ' has continually been a burden to my credit and affecting my credit history in a major way. This company should be shut down indefinitely.