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

My issue is with the company SKRILL ( they tout themselves as a XXXX alternative ). 

On XX/XX/XXXX at XXXX local time I withdrew {$250.00} from my bank account to my new Skrill account. The website says " goes to your wallet in seconds '' ( photo attached ) and below that it says up to 3 business days ( well which is it?? ). 

Not only was it NOT in seconds ... .OR 3 business days for that matter, it was 5 business days as the money finally showed up after being in pending status on XX/XX/2022. 

I called multiple times and asked to cancel and they said " sorry there's nothing we can do, you'll just have to wait ''. 

Money finally shows up and at this point I just want to withdraw it and forget I signed up for an account and cancel my account. They want to charge me {$5.00} to return my own money, UNLESS I downloaded their app on my phone, then it would be free. 

Yeah ... .not doing that ... .so I transferred the money to my online sportsbook and withdrew the money FOR FREE ( as it should be ) and CANCELED my Skrill account. 

Horrible experience, wasted HOURS of time with them and want their LIES exposed.
Product: Credit reporting

I have a judgment in a court of law in my favor against XXXX XXXX. Equifax and XXXX XXXX claim that this is still my debt although a judge has declared that it is not. The " investigation '' that equifax performed is inadequate and XXXX XXXX is not complying with the findings of the court. This case can be found online at the website for XXXX County Illinois. I do not understand how a bank and a credit bureau can defy a court judgment
Product: Credit reporting 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 1681.

The following account numbers and creditors have violated my rights as a consumer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX US Dept of Education Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX Closed Accounts - Remove XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX I have viewed my TransUnion Credit Report on XX/XX/year> and have noticed some things that are inaccurate or incomplete. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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 sent the bureau a letter on XX/XX/23 but have yet to receive a resolution or response by mail with the documents proving I signed for this account.
Product: Money transfer, virtual currency, or money service

I am a XXXX  working via the XXXX platform. In XXXX I mistakenly transferred the earnings to my bank account I had not been using anymore ( XXXX ). When the money got to the bank, I initiated a refund back to XXXX. Now it's been stuck in the intermediary bank - Bank of America- for more than 2 months ( see the screenshot attached ). 

XXXX the payment from XXXX to XXXX XXXX XXXX was started. 
On the same day, it passed the first correspondent bank XXXX XXXX  XXXX XXXX, and got to the second correspondent bank XXXX BANK OF AMERICA. 

A few times I asked my bank ( XXXX  ) and the receiver ( XXXX XXXX XXXX ) to contact Bank of America, but nothing has changed yet. 

It's been more than 60 DAYS since the money got stuck in the Bank of America. 
I do need this money for my family. Please, help me get the payment released.
Product: Bank account or service

I received an email message from Capital One on XX/XX/XXXX indicating that my checking account had been over-drawn. I logged on to my on-line account and realized that Capital One had debited my account with a check belonging to another account. I immediately sent an automated message to dispute the transaction. The following day, I called customer service to follow up since I had not received a response. The agent reversed the overdraft fee but indicated that the actual transaction would not be reversed for 2-3 days. 
I again followed up on day 3 and then was told that the reversal would not take place until XX/XX/XXXX. The customer service supervisor did indicate that he would " temporarily '' reverse the debit so my funds would be available to me. The incredibly disturbing issue with this entire transaction is the fact that I am able to see an image of the check written from a different account ... routing number, account number, customer name and address, etc ... a complete lack of security. What would stop this error from occurring again with one of my own checks being debited to a stranger 's account, allowing them to easily obtain my personal information. Capital One needs to put immediate corrective actions in place to avoid errors like this and to avoid breaches of security.
Product: Checking or savings account

Friday XX/XX/2022 XXXX am XXXX charged my CHIME Card XXXX XXXX 
I did not make this purchase. 
I filed a claim and disputed the transaction twice only to be denied. 
I will include my email i sent to CHIME SUPPORT ( i was told to do from a representative at CHIME ) after I WAS denied the first time. 


My name is XXXX XXXX XXXX dispute claim #. I was recently charged XXXX from a online grocery store called XXXX. 
CHIME has denied my claim. This is unacceptable. I did not make that charge! I deposited XXXX at a XXXX to make a cell phone payment that was past due and reconnect my service, when I was told the card was not going through. I had justade that deposit and upon checking the app, XXXX was charged. 
I have no clue what XXXX is????? I did not use my card at all for that. 
It says it's based out of Pennsylvania? I live in XXXX XXXX! 
I then had to deposit more funds that same day to get my cell phone on. 
While on the phone with XXXX I made sure they did not run the card until I told them I just made the deposit and charge to avoid any other breaches to take my hard earned money. 
I am now completely terrified to deposit any money to that card, and i pay important bills with it. Not only will someone possibly make a fraudulent Charge, CHIME does a lazy investigation only to denie my claim? 
I need every dollar I make, and to have XXXX dollars stolen and then being told there were was nothing CHIME can do is absolutely unacceptable! 
Someone need to help me. I'm an honest person only trying to pay my bills, and CHIME has allowed a breach and has does nothing for me when I need the help. 
All I want is my money back. Do whatever you have to do. Check where the card was ran, do something. But I did not make that charge and want this resolved ASAP. 
My funds are limited and I need that money. Thank you. Please contact me with good news. This is entirely unfair. I can provide any information needed with honesty. But indid not make that charge!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission concerning these fraudulent accounts, and as a result, XXXX and XXXX have removed these accounts from their records. 
I have also directly contacted the bank associated with these accounts and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates these obligation but also exposes me to further harm. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Opened account on XXXX false, some others on XXXX that I never opened any account around these times
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the years I have disputed the way the Department of Education has been reporting my information. 
Loans taken out in XXXX, -XXXX  with 36mo terms would have either become delinquent in first year or been paid in full by XXXX or aged off credit report in 7yrs of first delinquency. 
They are reporting first delinquency in XXXX as a means to keep on my report an additional 7yrs. They waited till the last moment to maximize the damage to my credit. 
Passing loans also does not make it a new loan or debt. Because multiple servicers have passed much of the information can not be verified. Loans taken out in XXXX were sent to XXXX XXXX borrowers. XXXX XXXX has informed me they do not have record of who had loans prior or information about payment history. How is it possible to enforce this debt when chain of custody of these loans can not be verified? 
Both XXXX XXXX and Department of Education are reporting one loan in 3 ways. The department of education has split it in 2 and reporting as separate loans. 
They also claim I took out nearly 100k in student loans. I went to XXXX  college not an ivy league school to be a XXXX. What lender would give a young adult XXXX to go to XXXX  college? A lender would not give a buyer 3 times a car value for purchase. It is not reasonable to believe I received this much. Both the lenders and schools have been unable or unwilling to show evidence I actually received any disbursements. I am unsure if my signature was used to falsely obtain loans I did not recieve or if signatures were forged. 
Each time I have disputed with credit bureaus or directly no changes are made except to increase balance. Even the number of loans they are reporting is inaccurate. According to the nslds.ed.gov website there are 11 loans yet reporting 15 on XXXX. Confirmed not another servicer. I believe there are duplicates. I have also requested proof of signatures and certification of debt. The only response I have received is a copy of master promissory note with an electronic signature. Not one hand signature to prove loans received. Master promissory note does not give dates, amounts, disbursements, interest rates or any financial information whatsoever. Truth in lending act states they are required to be forthcoming with this information. 
I want this information removed from my credit report as it has adversely affected my life and even cost me a job offer.
Product: Credit reporting or other personal consumer reports

I have experienced mental hardship and I am unable to refinance my home due to this erroneous account on my consumer report. 

I demand an immediate re-investigation on this account : I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, DELETE from my consumer report. ACCOUNT : XXXX XXXX  DATE OPENED XX/XX/year>. Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise. Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency. Please DELETE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Grain Technology via email and they have not responded into updating my report to correct the incorrect reporting status on my credit reports. My grain account is paid and full. I paid the full balance of {$82000.00} on XX/XX/2023, I have tried contacting this company and they never respond or when they do its weeks later. They still have not updated my reports showing account paid in full. I would very much like to get this resolved as quickly as possible as I have been experiencing XXXX  XXXX  since trying to contact this company. And in there statement email it says they promise to get a response to you in 2 business days its been almost 30 days
Product: Money transfer, virtual currency, or money service

An XXXX XXXX card holder, XXXX XXXX, recently filed XXXX credit card charge back disputes of his {$5000.00} retainer fee payment for our legal goods/services for his girlfriend XXXX XXXX XXXX claiming that " item was not received. '' However, we provided proof to PayPal ( our merchant service ) that the item was in fact delivered to the client ( attached ). Please immediately reverse this dispute and stolen {$5000.00} from our account.
Product: Debt collection

I was being proactive and reached out to the company, Synchrony Bank prior to my XXXX 2017 payment being due on my Care Credit account to advise them XX/XX/XXXX's payment was going to be late due to some financial issues but I assured them both XX/XX/XXXX and XX/XX/XXXX 's payment would be paid in full by XX/XX/XXXX 's due date of XX/XX/XXXX. They kept calling me several times a day after this conversation. I spoke with them again about a week later and explained the same thing. I continue to get several calls and voicemails per day. I finally got fed up with them harassing me all day on my cell phone while I am trying to work so I called them this evening on XX/XX/XXXX when I got off to set up a post dated check of {$180.00} for XX/XX/XXXX and XX/XX/XXXX payment plus the {$27.00} late charge they charged me, just as I promised I was going to do in the previous two conversations I had with them. They assured me after I post dated a payment with them out of my bank account the calls would stop. I set up that payment today when I called them back at XXXX ( per my phone log that I have included in the photos ). I received a confirmation # of XXXX. As you can see in my phone log I have attached in photos, they then proceeded to call me again 20 minutes later at XXXX. I called them back again at XXXX and advised them to stop harassing me and calling me that I just set up a post dated payment covering both payments and the late fee. I also told them that this has been the very first time we have ever been late on our account in approx 2 years and they needed to stop. In the past 2 days, they have called me 8 times and left me 3 voicemails ( see photos of phone logs ). This is harassing and excessive for the first time being late and not even being 30 days past due. This absolutely is ridiculous and needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review a current copy of my credit report an show inaccurate information listed on my credit report. I place a dispute with creditor and have not received any dispute results. This creditor is listing a charge off on my credit report with inaccurate open dates, Showing balances on a charge off account per the law any charge off on credit reports once show a balance of {$0.00}. 

Creditor : XX/XX/XXXX ( Original Creditor : 06 XX/XX/XXXX ) Account number : XXXX Account open dates listing on report : XX/XX/2016 and XX/XX/2016 Account open Balance reporting on credit report {$760.00} which is inaccurate credit reporting.
Product: Checking or savings account

On XX/XX/year> I was notified by a potential Mortgager that my name address, city and state were not on my baking statements and they could not accept them because of this reason. 

I notified Pentagon Federal Credit Union regarding this issue and they stated they were having technical issues and were attempting to fix them, they promised that they would write me a letter to the effect and provide transaction histories. 

I checked my email and there is nothing in my email from them for the above stated issue. 
I contacted Penfed on XX/XX/year> and was told that the request information is not in the system that someone would call me back in two hours.
Product: Checking or savings account

On XXXX at XXXX P.M. I authorized Wells Fargo Dealer Services to withdraw my car payment from my Wells Fargo XXXX Account stating the funds would be withdrawn XXXX hours or the next business day. On XXXX at XXXX I purchased XXXX XXXX tickets using my Wells Fargo XXXX Account XXXX {$220.00} XXXX. On XXXX I was debited from my checking account a NSF Fee of {$35.00}. 

I contacted Wells Fargo and they were unwilling to refund the {$35.00} and could not explain how I was overdrawn by XXXX, but able to purchase my XXXX tickets on Friday, even though I was overdrawn. I OPTED OUT of the courtesy payment when I opened the account. This appears to be quite predatory and a money grabbing scheme to cheat depositors out of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

On XXXX/XXXX/16, I received a call from a debt collector from a company called Municipal collections of America, I think. He called me to tell me that they were going to suspend my driver 's license for unpaid tickets. He said that we can file our XXXX ticket to the State of Illinois and suspend your drivers license. I informed the man that there are no tickets on my credit report. He said that we saw your disputes come thru from the major credit bureaus and we did n't dispute them. So I informed him that since you did n't validate the amounts or validate that I owed for those tickets, why are you trying to suspend my license? He said that he did n't want to hear anything other than if I was going to pay XXXX dollars. Then he could stop the process of suspending my license. I tried to ask the man why would you not validate the amounts and the accounts? He said that there is no time for all that, Am I going to pay the XXXX dollars? or do I want my license suspended? I said I am going to call XXXX to find out what is going on. He said, Im going to go forward with suspend your license. He hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid off In full but somehow during this process I guess the pay off was short due to getting the wrong info. This account also was never fully 30 days late.