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

I had posted furniture for sale on the XXXX app. I got a request to buy one of the items by a person named XXXX XXXX on XXXX XXXX. While discussing the pick up and payment, he decided to buy more and we finalized on the overall amount of USD XXXX. He was to pick up the items on XXXX XXXX. I asked him to XXXX the amount but he did not have that set-up and instead requested that he pay by check. On XXXX XXXX we shared several texts on the number XXXX ( XXXX ) XXXX. He also requested if I could help pay the movers a fee of USD XXXX. I told him to handle that on his own but then he said he was in the hospital taking care of his son and would be grateful if I could help. I felt sorry for him and in good faith agreed to paying the movers. He sent me a check via email through XXXX XXXX the email ID on this XXXX XXXX was XXXX. I deposited the check in my account in Bank of America via mobile deposit. The next day, my account showed that the check amount had been credited and the balance in my account had increased by that amount giving me assurance this was all good. He had requested that I Zelle the movers fee to an email ID he shared - XXXX, with the name- XXXX XXXX. Once the amount showed as credited in my account, I zelled the movers amount to the email ID that XXXX had shared. I also sent him a confirmation of the text on this email ID - XXXX. The next day he texted again saying that he had the amount of the movers wrong as they had helped him transfer his cars too and requested if I could help transfer an additional amount to the mover. He sent me a check of USD XXXX. The next day the amount showed as credited in my account and I zelled the money. He had shared a new email ID but I said I was not comfortable sending amount to same mover on another email ID, he said I could send it to the same email ID. So I zelled the {$1800.00} to the same email ID XXXX, XXXX XXXX XXXX . On day of pick up, XXXX XXXX, he messaged saying the truck had a breakdown, so will not be able to pick up that day and requested for a reschedule to XXXX XXXX. After that he did not pick up the phone or respond to my texts. On XXXX XXXX morning, I saw return check fee and the checks returned. I called Bank of America to understand why the check was showing as returned when it was already credited. They said that for privileged customers they credit the check amount before the check is actually cleared. This was misleading as there was no such message or notification when the amount was credited to my account leading me to believe that the check was good and i could XXXX the amount further. They have raised a claim to help recover but there is no guarantee. The havre aware that scammers are using this loophole on sites like XXXX and XXXX XXXX and have seen several such cases. If they know this is happening, they should have fixed it so people like me are not being scammed continuously! I have lost USD XXXX because of this loophole. Request that I am returned this amount and banks fix this loophole to stop these scams.
Product: Credit reporting or other personal consumer reports

Bank of America- I paid off my credit card balance of {$430.00} in XX/XX/year>. I requested a 1099C from Bank of America to write off as income since they wrote my account off as a charge off with the IRS. This means not only did they get the credit from IRS they also received a payment from me.

My credit report from Bank of America is being reported as a written off. This is fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX - XXXX, XXXX  - XXXX, XXXX  - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX
Product: Mortgage

PHH Mortgage notified me in mid XXXX that I was delinquent making my XX/XX/19 payment. I had made the payment on time. I have made all my payments on time. Upon querying my online account my payment history indicated I had made the payment on time. However, my home page indicates I currently owe the payment plus late fees. I have been unable to speak with any PHH employee due to 17-28 minute customer service wait times. I submitted a message through the company message system with no response. PHH has threatened to report to the credit reporting agencies that I am delinquent.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of an account and several inquiries from my credit report due to being a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that accounts resulting from identity theft or data breaches be blocked and deleted from my credit history. 
The following account is to be addressed : Unauthorized Account : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$320.00} Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Payday loan

I apply payday loan the company name is check into cash and I fail to pay them because I lost my job since last year. Now they send me notices to pay it back. The worst thing happening now is that they giving a warrant of arrest that 's what they said if I do n't pay the amount I owe them. The word that they said they will give the case to XXXX Attorney file a suit against me writing bad check and fraud and they keep harassing me. And they used the XXXX. No XXXX XXXX and the XXXX of XXXX in XXXX XXXX I call them and verify what is this about, at the end they are to collect money from I owe this company. They to call people whom is put in reference in my application.
Product: Credit reporting or other personal consumer reports

Equifax : On XX/XX/year>, I mailed a dispute letter to Equifax disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Equifax that was issued by them on ( date Equifax sent the letter ) that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Equifax do its job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.
Product: Checking or savings account

Bank Of American has an account opened with my name, SSN & other Personal Documentation provided to them Fraudulently I have never opened an account with them
Product: Credit reporting

My score dropped over XXXX points in less than 7 days, NOTHING on my report indicates what may have happened to indicate such a drop in score. I have reached out to XXXX out of the XXXX credit companies and am being offered general information on how scores are calculated. I am aware of how they are calculated, which is why it doesnt make sense or adding up HOW so many points were dropped from my score in a short amount of time ... it is discouraging and need specific help! Thank you
Product: Credit reporting, credit repair services, 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 ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with EQUIFAX since XXXX of XXXX, it is now XXXX XXXX and my identify theft concerns have still not been addressed/deleted. I have sent over my police report, my FTC report, my personal statement, full SSN card with all corners reflecting, utility bill, Photo ID & etc. I am a victim of identify theft and EQUIFAX keeps choosing to look the other way and not help me. EQUIFAX opened my dispute again XX/XX/XXXX and closed it right back up XX/XX/XXXX Confirmation number : XXXX. A proper investigation in a sense has not been conducted. My documents have all been ignored and they want me to keep sending the same files via postal mail which cost me about {$35.00} for mailing charges to expedite. I have spent over {$300.00} in the past year of mailing to them the same documents they are requesting. I am tired of going through this process and EQUIFAX wants to keep playing games with victims of identify theft. It should not take me XXXX days to get identify theft removed from my report. There are several factors including XXXX DEALER CHARGE OFF and DEPT ED /XXXX  that still shows on my report. I hope this will be my last and final dispute to CFPB. EQUIFAX is holding me back from living my life, liberty and pursuit of happiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a XXXX of all letters sent below. 

XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the XXXX opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : I have sent multiple letters to each XXXX XXXX XXXX, ( XXXX, Experian, & XXXX ) asking them to verify that my report is correct. They have updated my accounts improperly as of XXXX. I have done a thorough investigation of my own and found that my credit reports are still showing inaccuracies. 

In accordance with the Fair Credit Reporting act. The list of agencies and accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

[ LIST OF ACCOUNTS ] 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 EXPERIAN : ( 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$10000.00} ) VIOLATIONS : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681 SECTION 602 A. States that I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

CFR. 1006.18 ( C ) ( 2 ) False, deceptive, or misleading representations mean. A debt collector must not : Communicate or threaten to communicate to any person credit information that the debt collector knows or should know is false, including the failure to communicate that a disputed debt is disputed. 

XXXX XXXX XXXX XXXX XXXX is illegally reporting on my credit report. XXXX XXXX XXXX XXXX has failed to report this account as disputed since XX/XX/XXXX. This is also a medical account with XXXX privacy laws. 

XXXX, EXPERIAN, and XXXX have failed to complete proper investigations after several requests for corrections to be made. Each agency is improperly using my information and violating my rights to privacy and confidentiality. 

I have included copies of credit reports to show these violations. I have also included copies of letters requesting that these companies correct the inaccuracies and improper use.
Product: Credit reporting or other personal consumer reports

This company states my account is in the red, but I have paid it in full and it has been closed for years! 
Also this is still on my credit report and it is 6 years old.
Product: Credit reporting or other personal consumer reports

Date of Letter : XXXX XXXX XXXX Attention Dispute and Complaint Departments of : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Unauthorized Charges That Were Not Made on My Physical Card With XXXX XXXX XXXX XXXXXXXX XXXX Resulting in Negative Mark on My Credit Bureau Report Refusal of the Bureaus Willing to Delete The Negative Mark Despite Reversal of Charges That Were Found in My Favor Due to Fraud Dear Supervisors and Those in Charge of Complaints, Earlier this month I contacted customer service of the XXXX XXXX  via telephone after I was notified by XXXX XXXX that there was a negative mark/report added to my almost perfect credit due to a supposed late payment of 30+ days. Upon calling XXXX customer service, it was discovered that charges for several months were made not on my physical card but digitally perhaps from XXXX phones I donated. Therefore they reversed over {$700.00} in charges which obviously would not have made me late on a payment. However, the credit bureaus are still keeping the late payment report on my credit and worse yet, its not scheduled to be deleted until XXXX. Thats ridiculous! My credit score was over XXXX prior to this incident that was not of my doing. XXXX XXXX now owes me a check of {$720.00} due to all of these fraudulent charges. Therefore, I am demanding that these negative 30 day late reports be taken off all three credit bureau reports, which are greatly affecting my credit score of near perfect. 

XXXX XXXX
Product: Credit card or prepaid card

To Whom it may concern : I signed up for and received credit for BestBuy through Citibank in XX/XX/XXXX. 
I was not made aware of the add-on service " Debt Protection ''. I had other monthly recurring services on the card and did not notice the monthly charge until XX/XX/XXXX of this year when reviewing my account for recent purchases and balances. 

I did not sign up for this service when I opened the card and have no need for it. 

I called onXX/XX/XXXX to cancel the service, request a copy of my signature acknowledging the service and requesting a refund. I was advised that I should recieve an update regarding the issue by XX/XX/XXXX.
Called back on XX/XX/XXXX and was advised that there was no status update available, updated address info on file. 

Called back again on XX/XX/XXXX, was advised that no update was available and no record. Rep advised that they were sending a 2nd request for review and refund. 
Requested address to mail a written request as well. 
Was provided the following address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Sent letter the same day via USPS. 

Called back on XX/XX/XXXX to check that letter was received and check the status of previous requests. Spoke with an individual by the name of XXXX. Was again advised that there was no status update and an escalation would be submitted and that I should personally receive a call back within 30 days regarding a refund. 

Called back on XX/XX/XXXX to follow up as nothing had been received via mail and no call had been received. Spoke with XXXX, she was unable to assist and transferred me to XXXX in Oklahoma. XXXX then transferred me to XXXX who said she would speak to a manager and again escalate the issue as well as request a copy of my signature acknowledging the enrollment in the Debt-Protection program. 
XXXX came back after speaking with her manager and said they were waiting on an email from their refunds department and to call back on XX/XX/XXXX and they should have an update/resolution for me. 

Called back on XX/XX/XXXX to follow up as instructed. Spoke with XXXX in Oklahoma who advised that there was no update and it can take up to 30 days. This was conflicting information with what I was given the previous week and was following up on. I requested to speak with a manager and was directed to an individual named XXXX who claimed to be the on-call supervisor with a username of XXXX. 
I requested a status update as I had been told to call back for the previous week. XXXX told me that they had no update and try again in a week. I expressed that they had told me to call back on XX/XX/XXXX for an update and that I am tired of the runaround and lack of follow through on the commitment that they had given me for an update on XX/XX/XXXX. I also expressed again that I was still waiting for proof of enrollment as well. 

As it stands, it looks like I will again try to call in sometime in XX/XX/XXXX as I still work to get this resolved. 

I have asked for a case/claim # for my issue numerous times and been advised that there is not one for my issue.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. 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 UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

UNKNOWN ACCOUNT # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this company is still reporting these fraudulent accounts ; XXXX XXXX, XXXX, XXXX XXXX XXXX on my credit report. This needs to be deleted from my credit report IMMEDIATELY as this is a violation of the FCRA & my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recent inquires that I do not know about about my Equifax report. The companies are XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite careful examination of my credit report, I identified inaccuracies. The three credit bureaus are legally obligated to verify this account according to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is impermissible to refrain from validating these reported account as unverified without providing supporting evidence within the stipulated legal timeframe. The listed account on my credit report that necessitate an investigation and correction due to erroneous reporting is as follow : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I need Help i was making a netspend account and my cat walked over my keyboard when i put social security in, the enter button was pressed and my account got locked pls help me now
Product: Debt collection

Dynamic XXXX Solutions calls our home is not specific who they want to speak with or what debt they are referencing. They have not sent anything in writing to our address related to any debt of any of our household members. We have been be very attentive toward any debts we do have, so we found this very disturbing. After some on line searching we appeared to be just another victim of a company with long history of questionable activity. They call from a Michigan cell number XXXX and want to call XXXX, not saying who they are calling why they are calling, or to what debt this could possible relate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed XXXX XXXX XXXX Georgia XXXX # XXXX with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be DELETED immediately.