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

Made a agreement for a bag listed on XXXX with XXXX XXXX ( XXXX  username- XXXX XXXX. She posted a bag and I made her an offer. She messaged me in a comment saying she would accept my offer if I did it off PM and send her money via Zelle. I said I would pay half ( {$400.00} ) and the other half ( {$400.00} ) when she sent a video fo her shipping and the XXXX tracking. I just got the box today and it is a weighted ball. No bag! The XXXX  label says name XXXX XXXX ( XXXX ) XXXX ( which is the number we later texted on ) and the address XXXX XXXX XXXX XXXX In, XXXX ( not sure if this is her real address ). No recourse from Zelle.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as i requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information I have submitted the correct information, but the continue to report what they want instead of what i sent them about me. 

addresses phone numbers names jobs
Product: Credit card or prepaid card

XXXX XXXX solicited me an offer for a XXXX  one capital one card, there was a promotional over if you spent XXXX in a 90 days period you got XXXX dollar reward, or spend XXXX in a period of time you got XXXX, I qualified for the XXXX, was given the card at a XXXX credit limit, I intentionally spent XXXX on the card called in to see when my XXXX reward would come, none of the customer service agents seem to know anything about the program they referred it over to the rewards program they investigated and then called me told me that I didn't qualify for the program I tried to explain to them that no I was qualified for the program I signed up for that particular rewards program and was given paperwork supporting that the lady was extremely rude when it allow me to speak to a supervisor make a long story short I ended up hanging up calling back was on the phone for over an hour and a half finally they found that I did qualify I have this on recording and I was told that when my next statement came out that I would be rewarded XXXX dollars, and she noted it in the account that I had just reached my XXXX mark and that's why the first lady said I didn't qualify, here I am past the 3-month mark I've called in several times customer service acknowledges that they see the note in my account and it sure me that it should be applied at some point after the 90-days.XXXX XXXX is still offering the same reward perks online now. The only reason why I applied for the XXXX  card was for that reward program that's what caught my eye the only reason why out of my for credit cards I put {$500.00} on that card during XXXX time was for the XXXX reward, they are offering promotions and not following through with what they offer that is misleading and wrong.ive had to call in numerous times and spent alot of hours dealing with this on the phone the rewards department will not acknowledge it but yet supervisors in the customer service department and other departments to recognize it have noted in my account I want what was offered to me and what I qualified for I have paid off all of my capital one cards and prepared to close all of the accounts over this matter I refuse to use any of my capital one credit cards until this matter is concluded
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax took insufficient steps to properly secure sensitive financial data. My data and 143 million of my fellow americans data have been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 11 accounts on my credit report that are showing up and these are definetly not my accounts I have tried resolving this wqith the bureaus as well as the furnishers in my credit report and they are not being much help. This is a result of identity theft and I need this taken care of ASAP it is affecting my personal life and it is stressing me out!! 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : SXXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint to EXPERIAN regarding inaccuracies in the reported data on my credit file. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. 

I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Product: Credit reporting or other personal consumer reports

I got my tax return intercepted by this loan company or federal loan. I was not aware of their attempt to collect a debt from me. I was unaware of this debt and didn't have the prior oppurtunity to dispute its validity. 
Furthermore, I did not receive any proper notification regarding this debt. If you believe proper notification was attempted, I request that you send me a copy of the certified letter containing my name and signature as proof of receipt. Also the original loan note/contract signed. Not sure what year they are saying I was loaned money or from what school. Additionally, I am concerned about the legality of your actions. The Fair Debt Collection Practices Act ( FDCPA ) prohibits collection from furnishing negative information to credit reporting agencies without providing all required disclosures by law. Specifically, you may be in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). I am aware the money was taken and paid a debt that is on my report. I need the information from this debt and its validity. Also, it is showing Collection for XXXX and XX/XX/year>. How is this even possible when it should show or report 30 day, then 60 day late, then 90 day then 120 days late. How is this even legal in reporting??? I have tried and tried to contact them directly, and through XXXX and other credit reporting agencies. So I am assuming I need to go to CFPB to get this done. Or next step I will have to look into. This has been harming my credit report for years. Where I can not get a loan, it is doing major damage. It is the ONLY negative item on my report. Becauase I was not aware of this. And how this looked at my employer from garnishing wages as well.
Product: Credit card or prepaid card

I have been a Macy 's customer for decades. On my last CC bill of XXXX I was 9 days late making a payment of {$28.00}. I believe I simply read the bill incorrectly. First time I was late in 30 years. For the lateness, Macy 's charged a {$42.00} late fee. I immediately called Macy 's CC Services and they refunded the charge. 

You might ask yourself what more could I want, but I think of all those folks, including myself who don't review their bill carefully. I think it is shameful that Macy 's is engaged in this kind of skullduggery. I believe that taking advantage of people who are too intimidated or too busy or possibly coping with COVID in this matter may not be illegal ( although it should be ) but it is unethical and needlessly punitive I think most people would agree. 

We know that there are loan sharks out there but Macy 's?!
Product: Bank account or service

Ally Bank charged me an overdraft fee on a debit card. 
1. Sufficient funds are on deposit. Ally delays all deposits for several days. I do not know why - and frankly, I do not care why. They have MY money. 
2. If there are not sufficient funds for a debit card purchase, they should decline the transaction. This is law. The FACT remains - I have sufficient funds on deposit. 
3. If someone came into my home and stole from me, I could shoot them. 
I DEMAND MY MONEY RETURNED IN FULL. 
Further, I request a {$35.00} fee for theft.
Product: Credit reporting or other personal consumer reports

Experian has dialed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging system issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed item despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to removed or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. The disputed accounts in reference are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015 purchased XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX sold me XXXX XXXX the car and financed it thru Santander Consumer USA XXXX XXXX XXXX TX. XXXX ( XXXX } XXXX XXXX I found out that the car should of never been sold in the United States I called XXXX XXXX XXXX   XXXX about the problem and they blew me off said they new nothing about it.There was a class action law suit against the XXXX Companey they had altered the computers on the vehicles so they wood pass smog they were foundy Guilty I called the finance company and had them pick up the vehicle I explained to them what XXXX had done they paid no attention to me .The finance company picked up the vehicle sold the vechile once again and sent me a bill for {$13000.00} THE VEHICLE SHOULD NEVER BEEN SOLD IN THE UNITED STATES
Product: Checking or savings account

On XX/XX/XXXX I had someone access my online banking account through USAA, on four different occasions ( XX/XX/XXXX, XXXX ) they transferred money into my account in the amount of XXXX $ from a XXXX XXXX XXXX based out of XXXX, Iowa Routing XXXX Account XXXX USAA then credited the funds to my account while the transaction was pending, the person with access then transferred the funds out of My USAA accounts to an XXXX bank based out of XXXX, West Virginia XXXX XXXX Account XXXX The Funds that were pending then turned out to be declined so USAA took those funds they credited back from my accounts even though the money was no longer there I am now XXXX dollars in debt. 
I have spoke to USAA multiple times and they are saying that I am liable for this.
Product: Checking or savings account

Bank of America allowed XXXX XXXX car company to withdraw funds electronically for over XXXX right before XXXX, I had a stop payment in place with them at the time. Bank of America denied allowing this. In addition there was fraud on my business account and I was put through hoops for months, they still haven't done anything. My account was still being charged fees when the account was compromised I refused to pay so they now have closed my business and my personal account. 
I also due to this I had no access to my account which caused a dominoes effects with bills and my vehicle was repossessed. They have allowed Levy 's and garnishment to be taken from my account I also applied for a ppp loan at the start of covid but was put through loops and asked to do numerous things then was denied for the exact same thing I was advised to do. I filed a complaint and nobody ever responded Last I had to deal with EDD prepaid for unemployment on behalf of my dad who passed and I was trying to collect the money from his card and was put through months of disrespect just to retrieve his money.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received my credit report from XXXX after disputing incorrect information my confirmation # XXXX to the dispute nothing was resolved they stated that upon investigating with credit agengy the information is correct and will not remove the inaccurate information on my credit report I would like to know what is the method used to verifify that what is being put on my credit report is accurate its unbelievable the mistakes being made without proper documentation to verify that it belongs to me I was a victim of identity theft providing police report also putting a freeze on my credit report still it was over looked and disputes came back as verified without providing me how it was verified XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX # XXXX I have never heard of this company I ask for contract or purchase agreement that this belongs to me or removed from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX requesting purchase agreement or contract validating it belongs to me Multiple Inquires made without my consent I'm requesting be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My Home loan service company was XXXX XXXX  until XX/XX/XXXX. Loan # was XXXX. In XXXX they transferred my file to a new servicing company name is XXXX XXXX. XXXX XXXX had this loan under the file number XXXX. This loan has been totally paid off on XX/XX/XXXX. The XXXX XXXX XXXX XXXX have mistakenly reported this loan " more than 180 days late '' to all XXXX Credit Bureaus which is false! I have been on forbearance plan with XXXX XXXX  from XX/XX/XXXX up to XX/XX/XXXX ( The agreement, the extension letter and two snapshot of my XXXX dashboard are attached ). As you may see I have been on forbearance plan, so how possibly I could be late? As the result of their mistake my credit score decreased from XXXX to XXXX today. I have called both XXXX XXXX XXXX and asked them about this and both accepted this was a mistake but they say it may take up to 60 days to finish their own investigation and send correction to the credit Bureaus. Problem is I am in the middle of applying for another home loan and the lender just received my poor credit score and denied my application. I am very upset with these two financial institutions and want you please let them it will have sever consequences to play with peoples life. They have to send the correction to to the 3 Credit Bureaus ASAP. Thank You, P.S. I am XXXX XXXX and I am the owner of this account. I once used this account to file a complaint for my ex wife XXXX XXXX, but now I see the account comes under her name which is not correct. Please make necessary correction and put my name as the owner of this account.
Product: Credit reporting or other personal consumer reports

I have been trying to upload documents to have items removed from my credit due to XXXX XXXX. I have called and was advised to call the department directly. I was informed documents were not submitted but I have emails stating it has been submitted. Please review these documents and remove from the agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working for almost a year to get these items removed on my credit report. I am a victim of identity theft and have been sending letters to the bureaus but they remained in my credit report. I hope you can do something about my situation. Thanks
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX ga XXXX XXXX : DISPUTE/RESOLUTION SPECIALIST RE : ADVERSE ACTION ( REMOVAL OF INQUIRY ) I did not authorize these inquires list below XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX You are in viollation of the Fair Credit Reporting Act 15 usc 1681b ( a ) ( f ) ( i ) for unlawfully obtaining my consumer report without my authorization or permissible purpose under the 15 usc 1681 FCRA and its guidelines for permissible purpose.

As you may be aware, it is aginst fedreal law in accordance with Equal Credit Opprotunity Act to proclaim an adverse action aginst a consumer. Pursuant 15 usc code 1691 ( k ) and these follwoing compaines have done so and has violated my federal rights : 1. 15 us code 1642 2. 15 us code 1681 ( m ) 3. 12 cfr 1002 A person shall not use or obtain a consumer repor for any purpose unles ; 1. The consumer report is obtained for purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) 15 usc 1681b ( c ) Furnishing reports in connections with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquires ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agencyshall not furnish to any person a record of inquires in connection with a creditor insurance transaction thatis not initiated by consumer.

intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; I have not initiated any transaction with with the companies listed above. I do not have an account as defined under 15 usc 1693a ( 2 ) with credit for review or collection.

Since you see I have no accounts listed to those inquires this shows proof and evidence that i have been discriminated aginst, you are also criminally liable. You should resort to reasonable procedures to rectify this affiar and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorize use since i have not recieved NO BENEFIT. 

Following this initial attempt to rectify, i will be sending and invoice to collect actual damages for said violations.
Product: Credit card or prepaid card

There is a Home Depot credit card reporting on my credit report. I have never applied for this credit card, and I have never signed anything or authorized this account to be opened. As soon as I found out that this account was reporting on my credit, I immediately contact this business and had it closed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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
Product: Bank account or service

On XXXX XXXX, 2015 Chase Bank, XXXX XXXX XXXX XXXX XXXX, XXXX Michigan XXXX sent a Fraudulent Wire Check Transfer to my XXXX XXXX, Michigan Account for {$1500.00}. I withdrew this {$1500.00} out of my checking account on XXXX XXXX, 2015 not knowing that is was fraudulent. On XXXX XXXX, 2015 XXXX XXXX, Michigan informed me that the Wire Transfer Check had Bounced from Chase Bank, and I was being charged for {$1500.00} and all subsequent overdraft fees. XXXX XXXX subsequently took my deposits into my checking account Veteran 's, Unemployment, ect. to pay for this bounced Wire Check From Chase Bank, and closed the account leaving {$800.00} unpaid.
Product: Checking or savings account

I opened the account with Chase in XX/XX/2019. I didn't get charge monthly fee initially so I just put direct deposit into the account for saving and paid no attention to this account afterward. However, this week I notice that I have been charged $ XXXX monthly fee every since XX/XX/2019. Up till today, I have been charge {$320.00} in total ( Technically {$350.00}, when I called them today, they reimbursed me {$25.00} for this month and said that's how far the system could go back. And I know it was not true. They should be able to see all the record just as I can see ). 

As a customer, I wasn't given the right disclosure on how the monthly fee would be charged ( I thought the requirement would be direct deposit just as a lot of other bank debit cards. And I wasn't charged fee in the first few months when I did that ).
Product: Credit card

I used to have an AppleCard issued by Goldman Sachs with a {$750.00} credit limit until Apple declared my email address as " fraudulent '', due to unauthorized payments coming from the address. They said that all I needed to do was switch email addresses of the Apple Card from my old email address, XXXX over to my new email address XXXX. Long story short I wasn't able or allowed to switch my email address over to the new from old so, Goldman Sachs closed my AppleCard account without notice. My credit has improved since the original credit pull, but to no avail I can not get an AppleCard. The reasons were recent delinquency. Time since delinquency is unknown or too recent, and Length of time since accounts were established. Now the answer is I have applied too many times, yet it tells you to reapply if you feel the decision was in error.