23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Nonpublic Information is being reported on my consumer report. This is a violation of federal law pursuant to 15 USC 1681
Product: Debt collection

Simons agency has also called numerous times to collect I assume from XXXX. I will upload the same documents showing I was divorced from a previous wife XXXX XXXX XXXX in XXXX ( Remarried in XXXX to XXXX XXXX XXXX along with medicaid id etc. My medicaid should have paid this.
Product: Credit card or prepaid card

First there was a cash back when I purchase that was supposed to be {$50.00} it came out to be {$500.00} prepaid card.com is not giving back the {$450.00} I did not ask for XXXX I asked for XXXX then my card was stolen from me from a person that was living here this person is now in jail they did not want to hear anything about police reports Etc and they denied my dispute claims totaling up to {$1000.00} I waited to 10-day grace. And on the tenth day they came back and they said they denied it and I had to call to find out which was yesterday XX/XX/2020 I had also called their headquarters XXXX XXXX XXXX XXXX XXXX without any resolve to this matter
Product: Credit card

I did an online order from Best Buy and never received the product. They said a delivery person delivered it and had a picture of it on my porch. I never got a confirmation from them so I wasnt looking for it. A couple days later I realized I never received the order and called them to confirm that I never received it but they keep insisting I did. They said I still have to pay for it and have the police find it.
Product: Credit card

I asked Citi Bank executive response unit to delete their inquiry off my XXXX credit report because I wanted a business credit card not a personal credit card & they used my social instead of my EIN. XXXX XXXX XXXX.
Product: Debt collection

dont know why this account is on my credit report. I need it verified.
Product: Checking or savings account

On XX/XX/year> I attempted to make a deposit at the ATM machine located at at the XXXX & XXXX at XXXX XXXX XXXX, XXXX, MA XXXX ( atn # XXXX ). The person in front of me had a problem with depositing a check but I thought ok I have cash so there shouldn't be a problem so I asked the representative to witness my deposit because the other ATM wasn't taking deposit either. I deposited {$500.00} and he saw me do so and the machine took a long time and then gave me a receipt stating " we encountered a problem returning your cash '' with no $ amount of the deposit slip. The representative proceeding to start a claim ( XXXX ) he also stated by the end of the night the machine will see that the it has an overage of {$500.00} and with the claim I should see the deposit the next day or so and that did not happen. On XX/XX/year> I called the claims department and they told me that he should not have said that because the claim may take up to XXXX. This is unacceptable on ALL level because it shouldn't take this long to see there was an overage on the machine. I then started to panic, if the machine had malfunction it could have also returned the money to the next person in line. In addition I had bills to pay, so the represented started a new claim ( XXXX ) in order to give me a credit for the amount of my deposit. It is now XX/XX/year> and there has been no resolution to this matter. I am really concerned about this matter, I should not had a temporary credit because they should have resolved this issue because by now. 

If in fact the machine took my money and there is proof of this, then I loose {$500.00}? If this is the case I will considering filing a complaint with a lawyer against the bank due to my my stress and anxiety. Even If I have to dish out more money for a lawyer, close my account and post this on social media so that everyone is aware that this bank robbed me my money!
Product: Debt collection

I received a letter from Medical Revenue Service dated XX/XX/2021 XXXX # XXXX accusing me of a bill owed to them. In the letter it stated that I have 30 days to dispute the validity of the debt. Without my dispute of validity, Medical Revenue Service took the liberty on XX/XX/2021 placing the debt of {$140.00} on my XXXX  credit report before the 30 days I was given to dispute the validity of the debt. I just received this letter less than 5 days ago and they put this on my credit report. This is a violation of my rights. Which is grounds of a law sued. This debt is not mine. Medical Revenue service has never had any contracts me, Medical Revenue service has never taken any money from their account to loan me any money.. This is not my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my two year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

I have continually contacted XXXX, Equifax and XXXX about the addresses that are showing on my credit report are not my addresses. XXXX XXXX XXXX XXXX, TX XXXX and po box XXXX XXXX, TX XXXX have never been my addresses. My current mailing addresses are XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX. I have had XXXX XXXX XXXX for over 5 years. XXXX keeps stating that the company contacted the Office of the Attorney General of Texas and they are the ones who gave them XXXX XXXX XXXX and XXXX. It is wrong. Those are not my addresses. The XXXX XXXX XXXX has repeatedly had to put mail sent to XXXX XXXX XXXX and XXXX with my name on it into my box which is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I believe this information is inaccurate, incomplete, or unverifiable, and I request an investigation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

Under 15 U.S. Code 1681i, I have the right to dispute any information that I believe is incorrect. You are required to investigate this charge o and verify its accuracy, including compliance with XXXX XXXX standards for reporting. XXXX XXXX guidelines outline strict formatting and reporting requirements to ensure consistency and accuracy. If this account does not meet the XXXX XXXX compliance standards, or if it can not be verified, it must be corrected or deleted from my credit report. 
Furthermore, under 15 U.S. Code 1681s-2, the creditor ( or furnisher ) of this information is legally required to report only accurate and up-to-date information to the credit bureaus. If they fail to provide proper documentation to validate this charge o or meet XXXX XXXX requirements, the entry must be promptly removed. 
Please treat this dispute with urgency and provide me with verification within the legally mandated XXXX  day time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reflecting lates on credit report. 

In compliance with the fair credit reporting act this creditor has violated my rights. under 15 USC 1681 section 602, states I have a right to privacy 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditorI may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I was summoned on XX/XX/19 for a pre trial mediation on XX/XX/19. The law suit claims that XXXX XXXX is the plaintiff but the documents show that Pollack & Rossen, XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX are the actual plaintiffs. The summons itself is a cut and paste document poorly done. Once googled they are notorious and have had class actions against them. By law XXXX XXXX would have charged of this debt in 180 days of non payment. I suspect they purchased the debt and by using XXXX XXXX as plaintiff is fraud, a practice for which they have been sued for in the past. 

I am no stranger to this tactic as a business owner for over 35 years. Mediation is to see what assets I have, such as homes stocks etc. which I have none. I am a XXXX year old retired single man living on social security. Their threats for garnishing wages, seizing bank accounts and property are disturbing to say the least. And I am sure violate best practices. 
Their assumption that I sought out the credit card is false. XXXX XXXX is natorious for sending out cards for free, not requested.
Product: Credit reporting or other personal consumer reports

I think my there was a breach in one ( or more ) of the credit agencies. I'm now getting a signifigant amount of junk mail and calls who have my basic information as well as inquiry calls.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Several listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX, XXXX, XXXX XXXX XXXX CT XXXX, VA XXXX XXXX XXXX XXXX XXXX WY XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been contacting the credit bureaus to have ALL unknown accounts, inquiries, jobs and address removed from my account, as the such items I have no knowledge of. As Ive been trying to resolve this matter for 2 1/2 years now, nothing has been done. This is stopping me from owning a home, I am a single mother and its defamation of character along with my credit profile.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

This is fraud account. I have not done any business with company. I do not recognize this debtor.
Product: Money transfer, virtual currency, or money service

Hi end of XXXX, a friend of mine i had not seen in a long time came back to XXXX where i live and stayed at my place several weeks. During that time, he commented he had learned trading and made very good results on XXXX. He showed to my husband and i and we were impressed. He offered us to invest money, do all the trading job and share revenues. I paid with my debit card from US bank an amount around XXXX XXXX .. during XXXX XXXX. He had had access to my card number. I sent this amount to E.toro, i got ALL the proofs, he had to give us access to platform so that we can check what was happening, we never had the info .. for many reasons i wont detail here, we realized in XXXX, that something smelled bad .. and at this specific moment, he disappeared .. i also got to know that i was not the only one. I IMMEDIATELY began to inform and claim to US bank, called XXXX ... canceled my debit card ... and of course, went to Police, as this guy already had a file for drugs. On a first hand, US bank recognized the fraud, and WITHOUT my consent, gave me a LOAN, i thouht it was an issurance compensation. but realized NOT when i received the paper letter XXXX weeks after. Also noticed the bank I had not given consent to a loan, and that is was putting me in a very bad situation as i now had lost XXXX euros and ALSO had to refund bank. Then, i re chec ked ALL account statements during XXXX XX/XX/XXXX, and DETECTED that HE had used my debit card number to send around XXXX MORE to XXXX. The movements are concentrated on very few days, like 2 days in XXXX, same for XXXX. Amount sent was ALWAYS THE SAME : around XXXX euros., EACH TIME. I immediately informed bank telling them THEY NEVER SEND ME ANY ALERT TO THESE UNUSUAL MOVEMENTS.. They gave me another XXXX that i didnt want, and then rejected my cxase .. telling me i should not have given my vard number to the scammer.. I DID NOT .. asnd there is no PROOF i authorized these payments as US bank NEVER send validation codes or anything. Its been XXXX and a half and i have got NO help or responsability from US bank that YES can have alerts when it comes to my account being OVERDRAWN .. they send me emails for XXXX USD., ... HOW come they never noticed this???? Now i have lost ALL my savings .. and i want US bank to take responsibility. I offered them to CANCEL the loans that I DIDNT SIGN FOR ( its absolutely illegal, there is NO refund plan.. NOTHING ) and they have refund themselves already, leaving my account very negative, me in debt, and impossible to work as it's a professionnal account. I request your kind help, i was in a very bad period of my life, broke, divorcing .. and i was fooled. My. XXXX husband also lost XXXX.
Product: Credit card

In XXXX I was sent a postal letter from Verizon/Synchrony regarding a 'Pre-Approved " credit card which would enable me to get a lower bill from Verizon. 

When I logged into the Verizon site there was a banner stating I was pre-approved for the card. I applied thru the Verizon site using the banner. 

I was denied. The reason was vague. I contacted both Verizon and Synchrony. No more explanation for the denial was given. but I was told to immediately reapply despite the rejection notice telling me not to reapply within 30 days. 

The reapply was denied. 

Verizon/Synchrony 's bait and switch offering a 'Pre-Approved " card to lower my Verizon bill is fraud, The lack of complete explanation of why someone with over XXXX on their XXXX score would be denied is very strange. The lie about reapplying is also fraud. 

These actions by Verizon/Synchrony is unfair and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request for Equifax, XXXX and XXXX to investigate a few things that are reporting on my credit report that I believe are inaccurate. My request for them to investigate was on XXXX and then again on XXXX. They have failed to respond to any of my request. After my research online, I was under the impression that they are required to respond to any request to investigate from a consumer based on the FCRA rules. I have waited way past the 30 day rule and even sent a 2nd request asking about my first request and still no response. I pay a credit monitoring system every month so that I can view my credit report to see if they are at least updating or acknowledging my request and unfortunately every month I am disappointed to see that nothing has been updated or removed. They are showing last active dates updating but no responses as to how or what they did to verify or update the account. We are now going into XXXX and I am frustrated with this as my credit is suffering because of these inaccuracies reporting on my report. I am sending now my 3rd set of letters in hopes that they will finally respond and help me with a solution of my request. After further research, I found this site and am hoping to get a response and now a resolution since they have failed to respond to me.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX XXXX credit cards are lost/stolen. The lost/stolen XXXX XXXX XXXX accounts is currently showing and listed on my XXXX XXXX XXXX XXXX and Equifax credit report. My lost/stolen XXXX XXXX XXXX XXXX account numbers is : XXXX and XXXX. Some of the transactions on my lost/stolen XXXX XXXX XXXX XXXX credit card accounts are fraudulent and unauthorized transactions.
Product: Credit card or prepaid card

I am a customer of TDBank credit card and on XX/XX/XXXX or XXXX called them regarding the deferred Covid-19 payment option which was advertised on their website. I was found to qualify for the program and they allegedly informed me the next month I would not have to make any payments, only in the beginning week of XXXX which covered their 90day period. I was informed that on the day and month that I called, XXXX that I needed to pay whatever balance due on my account which I did. The issue is that the following month after I was allegedly enrolled in the deferred payment option, a balance due of XXXX dollars was shown in my online statement. I called them and they stated I do not need to pay it, and according to the TD representative at the time that it was probably a computer glitch as the amount should have been XXXX I actually paid that balance due of XXXX despite their assurance and my fear was that they could report me to the credit bureau if the payment didn't post. The next month was the same issue, and I called again to inquire about why do I have a payment due when they enrolled me in the deferred payment option and the TD representative reply was the same as the other one from a month prior which is to disregard and don't pay it. The following month which is this one, XXXX came and I saw another due date for XX/XX/XXXX for XXXX dollars and I called them concerned that I have been taken advantage of and told them what is going on, wasn't I enrolled in this program or not. Her reply which was on XX/XX/XXXX was that I now needed to pay the XX/XX/XXXX balance as the deferred payment option only covered until XXXX. I was irate and respectfully mentioned to her that it ends in XXXX not XXXX. The phone connection either on her end or mine was suddenly disconnected and I called again and this other TD Bank representative said no that the deferred payment option for me ends in XXXX. Not only this is confusing, either deliberately on their part but the issue at hand is that I ended up paying them for those 3 months and the balance on each month was always XXXX and despite their assurances there was no XXXX balance due but an amount which I had to pay or they could of reported me to s credit bureau. This deceptive advertising on their website to help those during this pandemic has made me question their tactics and what they have done is deceive those into paying them instead of having a supervisor or someone send an official letter stating this.
Product: Credit card or prepaid card

Re Barclay card XXXX XXXX Plus Rewards card ... I received a text message about possible fraud on my account and replied that the charges were fraudulent. My son was overseas and a company listed as XXXX XXXX in XXXX, XXXX repeatedly charged enormous amounts of more than {$2700.00} on his cc which is linked to my primary account.I have checked this company and they have multiple claims against them and class action lawsuits for this type criminal behavior and worse! They had the card with the chip and repeatedly charged the card before returning it to my son.Barclay card should have had a security protocol that prohibited such large charges overseas until I replied to their text to confirm their validity or lack there of. Every other cc dies this in this day and age of scammers. By the time I replied to the text message that Those charges were unauthorized, it was too late for barclay card to care! Barclay card customer service was rude and robotic and once the merchant produced signatures that anyone can forge once they have one signature, that was good enough for barclay card. They closed the case and instead of backing up me as the consumer backed up the criminal merchant and insisted I pay for fraudulent charges on my card.
Product: Credit card or prepaid card

XX/XX/XXXX, a detailed complaint letter faxed to Bank of America disputing with timelines of a fraudulent charge by an international vendor to a credit card in my name that was closed ~ XXXX or XXXX and no activity in the account since this period. The fraudulent transaction was initially discovered and reported to BoA on XX/XX/XXXX. Since this time, BoA has not responded satisfactorily and their method of addressing the complaint is opening a new credit card account without my consent and transferring the the balance of the fraudulent to the newly opened account. BoA 's credit card department subsequently harass me by placing frequent telephone call to collect on the debt. I have spent many hours contacting BoA with the intention of resolving their errors and lack of basic controls to mitigate risk from vendors submitting fraudulent transactions. The last conversation occurred at XXXXXXXX XXXX. on XX/XX/XXXX with XXXX of BoA to address another credit card account opened and transfer of the fraudulent balance transfer. After spending over an hour discussing the background with XXXX, he confirmed BoA never filed a fraudulent claim since my initially reporting it to them on XX/XX/XXXX and that this will be the next action taken by BoA. Needless to say this came as a surprise and demonstrates BoA 's lack of basic controls in managing consumer complaints and mitigating risk from fraudulent transactions submitted to them. I'm familiar with CFPB 's recent record $ XXXX fine assessed on BoA for lack of similar controls in opening fraudulent accounts on behalf of their customers without the customer 's consent. I have similar experiences with fraudulent transactions and accounts opened by BoA which again I have brought to BoA 's attention since XX/XX/XXXX. This is the basis for this request to CFPB for assistance achieving satisfactory closure to this long standing complaint and assurance BoA 's failure to address the complaint timely does not adversely affect by credit rating in the industry.