23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/23 somebody took {$24000.00} out of my Checking Account. 
My mistake was that I had the Bank page open when I was talking to this person. I was complaining about getting many emails about XXXX subscription expire ( about dozen emails ) .He said ( fake of course ) he will see If I was charge and he will cancel such subscription. In the mean time he managed to move {$50000.00} from my Saving to my Checking. You can't make a transfer from Savings Account. Once money was in my checking account he transfer this {$24000.00} to his account at XXXX Bank. 
I think he installed a malicious software ( XXXX XXXX ) in my PC. I was told this at XXXX. 
I called my Bank immediately and they said it was a Fraud and cancelled my XXXX accounts. 
They connected me with Fraud Department and they said they will communicate situation to XXXX Bank for them to not let money go. 
It seems both Banks acted to slow. XXXX let money go next day even knowing it was a fraud
Product: Credit reporting or other personal consumer reports

I started the process of repairing my credit as it is important to me. I settled and closed the accounts that were listed on all XXXX credit reports. I also disputed any inaccurate information on all XXXX credit reports. I followed all instruction given to me by all XXXX credit bureaus. I called all XXXX credit bureaus to confirm that all information and payments were received, they sent me letters confirming that the paid/settled accounts were closed. I lowered the balance on all active credits cards and made sure they were all in good standing. I also registered with XXXX XXXX to make sure I monitor my credit report daily as instructed to do so. However, there has been XXXX change in my credit score, all XXXX credit bureaus are providing completely different information as well as XXXX XXXX. Example : XXXX site is stating my credit score is XXXX, but XXXX site is saying my XXXX  credit score is XXXX. I pay a monthly fee to monitor these XXXX reports and I feel like no matter what I do or what instruction I follow or what monthly fee I pay, I am being scammed because I have yet to see any significant changes in my credit report & score. I am being given the run around and non of my questions answered, and if I want " more access '' its a different fee added. Now that I am complaining to them, all of a sudden I have no access to my accounts. This is exhausting and discouraging. I am trying to make things right with my credit and I am getting no where. I truly need assistance with this matter as I feel I am being scammed by all XXXX credit bureaus and XXXX XXXX
Product: Credit card or prepaid card

Dear CFPB, Today I contacted Wells Fargo Bank again, and the call lasted for 50 minutes. They informed me that they have processed the following four transactions and provided claim IDs : XXXX XXXX XXXX XXXX However, the issue is that when I asked whether I need to pay these pending claims next month, they kept transferring me to different departments without providing an answer. Finally, they told me that these claims are still waiting for me to provide documentation! 

I have already mentioned that I reported each claim to the bank over the phone, providing all the specific information based on the questions they asked. Yet, they refuse to process them and continue delaying intentionally. They claim that I havent provided the information, but how is it possible when I already have the claim IDs? It is clear that this bank is taking money without taking action! 

I hope the authorities will step in to supervise and address the disgraceful behavior of this unscrupulous bank!
Product: Credit card or prepaid card

On XX/XX/2023 XXXX XXXX got into my cash app account and took XXXX out my account without my consent and I have a locked passcode and she still got into my account
Product: Checking or savings account

Merrill XXXX over a 5 week period gave me wrong info on my moms account so It made it horrible to try to convert her single name account to her trust and it took Merrill XXXX 5 weeks and 13 phone calls to even learn Merrill Lynch/Merrill XXXX had their own POA form I had to fill out. I should have been told about this in the first phone call. I have provided all the proper info and for the last two weeks that I found out they were closing my moms investment account when we did nothing wrong. They lied about mailing out the check twice hung up on me once and refuse to send my mother her money. The branch people at B of A are no longer allowed to speak to me. Merrill XXXX is holding {$30000.00} of my moms money and wont move it into her B of A account. My mom and her father banked with B of A for 80 years. I NEED YOUR HELP!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian displays inaccurate FICO Scores for XXXX and XXXX, that are XXXX points lower than what those bureaus show on my credit report when I pull from their site. This data is incorrect and was ( I think ) responsible for a credit denial. I have copies ( pdf ) files of what Experian is showing for these two bureaus which are vastly different than what my XXXX and XXXX actual report shows. 

This information is inaccurate and needs to be updated from the system of record, which are the two other credit bureaus themselves. Their information is blatantly incorrect, and when I run a report that shows side-by-side by Experian score shows as 4, which does not even exist on the SCALE of XXXX
Product: Debt collection

15USC 1681a ( d ) ( 2 ) ( AXi ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) i ) on a consumer report is a clear violation of First Point Collection Resolution- Original Creditor XXXX XXXX XXXX XXXX. Provide me with the XXXX XXXX XXXX XXXX XXXXXXXX XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to the CRA because of an account that is showing up on my credit report. I notified them letting them know that the account # XXXX was incorrect and doesn't belong to me. I asked them to remove the information because it was reporting wrong information. I asked them to send me information about hw they verified it with the original furnisher and they didn't send me anything from the city of XXXX. They said they already looked into it and wasn't going to do it again. At this point I feel like my request is being ignored and pushed to the side. I don't undertsand how transunion is saying one thing, XXXX is saying something else and XXXX  doesn't show anything at all. There is no account on XXXX and I told XXXX  and transunion the say thing.
Product: Credit reporting

Experian Information Solutions failed to block fraudulent information being reported on my Credit Report dispite my police report and fraud affidavit previously sent to them as well as the creditors. The accounts are as follows, Experian Report # XXXX 1 ) XXXX Bankruptcy Court 2 ) XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, a {$39.00} credit was applied to my account. However, Per Prosper, on XX/XX/year>, an unsolicited refund of {$39.00} was issued for this credit, and at the same time, a {$39.00} annual fee was charged to my account. I never received the refund Prosper states was issued. Also the refund was processed before the six-month period had passed from when the credit was issued, based on my billing cycle. 

I did not receive statements for XXXX, XXXX, or XX/XX/year>, nor was I notified of the refund or the annual fee charge in XXXX. According to the last statement I have access to ( XX/XX/year> ), I had a credit balance, and I do not use this card for any additional transactions that would result in a balance. 

The {$39.00} credit should have fully covered my balance, as per the cardholder agreement, meaning no minimum payment should have been due, and no late payment should have been reported. 

The XX/XX/year> statement showed a XXXX balance, despite an attempt for autopay on the XXXX, which was returned same day per transaction history. The statement closed on the XXXX. Late fees were later charged to my account in XXXX and XX/XX/year>.
Product: Mortgage

Case # XXXX Ref : XXXX XXXX DISPUTEIn response to XXXX XXXX Executive Mortgage Specialist for Wells Fargo. After doing a lot of research, hence my delay for getting back quicker. I have to say that XXXX XXXX did not include all the correspondence that I have received from Wells Fargo. She failed to include the letter dated XXXX XXXX. XXXX and another dated XXXX XXXX,, XXXX, the letters included in HER response dated XXXX XXXX and XXXX XXXX, XXXX were not received by me, and looks like they were computer generated letters. She also did not answer my complaint about XXXX XXXX XXXX foreclosing my property in violations of NOTICE TO MITIATION CONFERENCE PURSUEING RHODE ISLAND GENERAL LAWS & XXXX, which states the NOTICE must be mailed no later than 60 days of the sale Date. Enclosed is a copy of Chapter XXXX Section XXXX XXXX XXXX XXXX ( RI ). First notice was sent on XXXX XXXX and XXXX Notice on XXXX XXXX. I am also attaching all the correspondence and the monthly financial worksheet reflecting my monthly income and expenses ; the modification that was awarded on XXXX XXXX, XXXX was a standard modification and by HAMP guidelines if the first modification fails I should qualify under the HAMP Program, also my circumstances changed as I got divorced on XXXX XXXX and was a loss of income. Once again, I want to thank you very much for your assistance in this matter. I definitely do not want to lose my property and its bad enough my tenant is being harassed by XXXX XXXX XXXX who continues to come to the property attaching letters on all doors. I hope this matter will be resolved in good faith, so the foreclosure can me recinded and I can be approved for loan modification and go on with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not remove the errors on my account they are derogotory i don't owe this money i called XXXX  they cant explain anything about my account because there is no record. XXXX  has it down as four accounts owing {$1100.00} i called XXXX XXXX they have me down owing XXXX not XXXX i called XXXX  coul not explain any account owing with my name, they need to remove this i have a new account with XXXX  they wouldn't of given me an account without paying the old one because i don't have a owing account closed for XXXX  equipment returned {$380.00} is wrong someone made a big mistake because of this i have been denied credit for four years. i have been so stressed out about this big error. I m trying to own the American Dream this mistake that XXXX  is doing to me has ruined my name. please ask XXXX  they have it wrong please remove i attempted to remove myself and XXXX wont do it they lied to me and i have been denied credit so many times i'm so stressed out my heart can't take it. my goal is to own the American Dream, i have been turned down so many times. i don't have dates of this error because there shouldnt be one. Its ruin my life! please help me ask XXXX  to remove. and i should be compensated for the errors they made im depressed they turned my life upside down. my name is ruined because of this. thank you.
Product: Credit reporting or other personal consumer reports

I was notified that my personal information was hacked and potentially could be a target for identity fraud. It was recommended that I put a freeze on my credit files to prevent any fraud or theft using my identity. I was able to do this successfully with XXXX and XXXX. In the period of two days I attempted to accomplish this freeze online with TransUnion without success. Their 'self help ' guide was recommended via on online chat without success. Additionally, I followed their guide for creating a new account, changing password, receiving and inputting 'temporary authorization code ' after multiple attempts I began an online chat with a live agent. The agent suggested I try the guides that I already had attempted without success. The agent chat lasted for 33 minutes without any suggestions other than those identified in their self help. After 33 minutes I was advised they were transferring me to another agent. I agreed if the agent could reset the password so that I could complete the login to put the freeze in place. I was told " sure '' and then transferred. The system message indicated it would be 14 minutes before I would be able to chat with the new agent. At this point I indicated I would file a complaint. It should be noted during the live chat the connection was dropped twice requiring another attempted logon sequence involving keying three screens with personal information. I am attempting to complete a freeze on my credit lines to ensure I don't become an identity theft victin.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of account number XXXX XXXX XXXX XXXX  on my credit report with Experian. I initiated a dispute regarding this account on XX/XX/2024, stating that I have never had a contract with this debt collector for any debt. I requested proof from the original creditor demonstrating that XXXX XXXX owns the debt and has the legal authority to collect it. However, Experian failed to properly investigate or follow up on my dispute. 
Additionally, I was recently made aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for alleged violations, including accepting unreliable information and failing to properly notify consumers of dispute results. This directly aligns with my experience, as Experian has neither corrected nor removed this inaccurate information from my report.

This derogatory remark is negatively impacting my ability to secure a vehicle and job opportunities. I am requesting that this account be immediately removed or corrected as required by federal consumer protection laws. Experians failure to take appropriate action violates my rights under the Fair Credit Reporting Act ( FCRA ).

I appreciate your prompt attention to this matter and expect a resolution in accordance with federal regulations. Please confirm receipt of this request and provide an update as soon as possible.
Product: Debt collection

XXXX XXXX we were moving to XXXX from Fl. and we were trying to set up XXXX XXXX XXXX XXXX while traveling back and forth. First we were told that we could not get XXXX and just ordered a phone from a XXXX and/or XXXX in XXXX XXXX ( XXXX ) to be installed on XXXX/XXXX/XXXX and we picked the number ( XXXX ) XXXX. XXXX or XXXX called back the same day and said that we would be able to get phone, internet and XXXX, but that by getting the combined package the number we picked would go away and the installer would give us a number upon installation. The new number that was installed is ( XXXX ) XXXX and we have paid for that number every month since installation. We received a bill dated XXXX XXXX, XXXX for {$68.00} for the number not installed. Called customer service, got XXXX ( ID XXXX ) in the XXXX and he stated to disregard. Between then and now we have also spoken with XXXX ID XXXX in XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX and she said it shows no service for that number and will send to a supervisor to cancel and would call back-no return call came-the bill has escalated to {$160.00} and for some strange reason late charges and long distance credit removed and the last bill we received was {$140.00}. We also contacted XXXX ( XXXX ) XXXX ) ID XXXX on XXXX/XXXX/XXXX who again cancelled everything, but the bill came again with a threat of collection company and reporting to the credit bureau which could damage our credit rating. I posted a comment on XXXX & XXXX XXXX page in early to mid XXXX and shortly thereafter XXXX called and said to give her to Saturday to get it taken care of. We have n't heard from XXXX since. 
On XXXX/XXXX/XXXX we received a call from Gatestone XXXX XXXX ( XXXX ) and we explained the bill was bogus and they should never call us again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate negative information listed on my consumer report. As a consumer, I am protected by several laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ), which fall under Title 15 of the United States Code. 

The FCRA requires that credit reporting agencies like your company provide accurate information to consumers and investigate any disputes related to the accuracy of the information contained in a consumer report. The CCPA further regulates the collection, reporting, and use of consumer credit information. 

After reviewing my credit report, I have identified several inaccuracies that are negatively affecting my credit score, including late payments, accounts in collections, and charged-off accounts that do not belong to me or have already been resolved. These inaccuracies violate the FCRA and the CCPA, which require that credit reporting agencies like your company provide accurate and complete information. 

Additionally, under Section 605B of the FCRA, you are required to notify me when you provide negative information to a third party. However, I have not received any such notification from your company, which further violates my rights as a consumer under the FCRA.

Moreover, the Electronic Fund Transfer Act ( EFTA ) and the Truth in Lending Act ( TILA ), both of which are contained in Title 15 of the United States Code, provide additional protections to consumers. The EFTA requires that consumers receive accurate and complete information about electronic fund transfers, including any fees or limitations, while the TILA requires lenders to provide accurate and clear information about the costs and terms of credit.

Therefore, I am requesting that you immediately investigate and correct the inaccurate information listed on my credit report, provide me with a notice of negative information under Section 605B of the FCRA, and ensure compliance with all applicable laws, including the EFTA and TILA. Failure to do so may result in further legal action and complaints to the CFPB.

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to file a formal complaint against LVNV Funding LLC and Resurgent Capital Services L.P. regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) and the emotional distress and hardship this situation has caused me. 

On XX/XX/year>, I submitted a request to LVNV Funding LLC and Resurgent Capital Services L.P., seeking validation of a debt they are reporting on my credit report. In my request, I specifically asked for various pieces of information, including the original creditor 's name and address, the date and amount of the original debt, a copy of any agreements bearing my signature, proof of their license to collect debts in my state, and the name and address of the collection agency if different from their own. 

While LVNV Funding LLC and Resurgent Capital Services L.P. provided some information regarding the account, such as the original creditor 's name, the date and amount of the original debt, and copies of statements, they only provided a card agreement that does not bear my signature. This does not fulfill my request for validation of the debt according to the FCRA. 

Furthermore, I want to emphasize that during the time XXXX XXXX XXXX  opened this account, I had an extended fraud alert in place requesting all creditors to contact me directly for verification before opening any new accounts. However, I did not receive any such communication from XXXX XXXX XXXX, indicating that this account is not mine and that my identity was not properly verified. 

This situation has caused me significant emotional distress and hardship. The uncertainty and frustration resulting from LVNV Funding LLC and Resurgent Capital Services L.P. 's refusal to provide the requested documentation have impacted my mental well-being and financial stability. 

I am requesting that the Consumer Financial Protection Bureau intervene immediately and require LVNV Funding LLC and Resurgent Capital Services L.P. to remove the debt from my credit report until they can provide the requested validation in accordance with the FCRA.
Product: Credit reporting or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have contacted PayPal and Paypal credit about the issue the Credit provider. is saying there is no issue but no one and the Paypal is claiming no issues
Product: Debt collection

I tried to purchase a computer for my child in best buy, when I never received the product, I called best buy and was told it had been delivered. I let the rep know i never received the product. upon checking best buy informed me they had made a mistake and sent the product to the wrong address. that they would issue a refund. its been over a year and im still having issues.