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

On XX/XX/XXXX, I received a check from a job that I had applied for. I applied for a job with a healthcare company and the check came from a healthcare provider so I assumed it was a legitimate job. I went through the interview process and was told I had been hired but I needed to go through training. I was told that I needed to purchase the equipment to be able to do the job and since the company was out of the country I would need to buy the equipment myself. When I received the check my manager wanted me to deposit the check into my account but wait until it cleared before spending any of the funds. I thought that once the check cleared it was fine because what bank would clear a bad check? I waited until it cleared and notified the hiring manager. She proceeded to tell me to send the money via XXXX to 2 different accounts. I was told that I was sending money to Vendors who had the equipment and they were going to come install it at my house. I was told to send {$2000.00} to one person and {$1500.00} to another but the transfers were broken up into separate amounts. She also wanted me to send money via XXXX XXXX but XXXX XXXX refunded it back to me. Her last request was for a {$500.00} gift card. She asked me to take a picture of the card and send it to her. She wanted me to buy the gift card so that I could use it to get a landline installed at my house. I was told to go to XXXX XXXX and purchase a printer and headset for the job as well. 
The hiring manager sent me a {$4500.00} check asked for nearly all the funds back and once the check bounced I was left with an account that was {$4500.00} in the negative. Bank of America cleared the check but they are refusing to take responsibility for it. I also quoted Federal Regulation E, from the EFT Act that the Bank must reimburse you even if you sent the money yourself and someone induced you to send them money. When I called the Bank, I was told that this is a common scam but they are unwilling to do anything about it. 
The bank cleared the check so I thought this was a legitimate job opportunity. There was no protection for me from the bank, they should have stopped the transactions immediately.
Product: Debt collection

I have attempted to resolve the following issue with the company listed on multiple occasions. They are attempting to collect on a debt not owed of XXXX for medical. I have not any record acquiring of such debt, nor has the company provided any proof of validation or signed documentation that we have ever done business. I have requested that they remove the following item from my report and they have failed to comply or provide a response to my request.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Experian, XXXX. XXXX, Experian, XXXX has violated my consumer rights and violated federal law. This is multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts on my credit report that do not belong to me they are not mine I have not applied or used these accounts as well as many inquiries I need these off my credit ASAP1!!!! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX 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 INQUIRIES Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : US SM BUS ADMIN ODA Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, XXXX XXXX XXXX is currently showing 30 days late for the month of XX/XX/2021 and 60 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update/delete the current status to reflect accurately.
Product: Credit card

Dear Wells Fargo Bank, I am writing to formally demand the immediate refund of {$700.00} that was fraudulently removed from my account. As an XXXX XXXX senior and a loyal customer of Wells Fargo since the XXXX XXXX I am appalled that such an issue has not already been resolved in my favor. 

Neither I, my wife, nor any authorized users of my account initiated or approved the transaction in question. The fraudulent nature of this transaction is indisputable, and your failure to rectify it promptly is unacceptable. 

This letter serves as official documentation of my dispute. I expect the total amount of {$700.00} to be credited back to my account without delay. If you fail to address this matter immediately, I will escalate my complaint through all channels, including the Consumer Financial Protection Bureau ( CFPB ). 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two unauthorized inquiries done on the same days one from comenitycapitol/XXXX & & XXXX  Ive never even applied for any credit cards when I looked on my credit report it couldnt even provide information on the companies. When I tried disputing it the results came back fast to as if they didnt even check it because both of these were not done by me, nor did I apply for anything
Product: Debt collection

A service provider for a doctor tried to over bill me without authorization. I had stated in writing to my doctor that no third party service providers especially ones out of network were authorized to be used without prior approval. A company called XXXX XXXX XXXX  started billing me without any authorization. I spoke to them and disputed not only the fraudulent nature of the service and they they had no right to bill me since I was not notified nor approved their service as required in my agreement with my doctor 's office. After acknowledging the dispute they submitted it to collection company CMRE Financial Services.
Product: Credit card

I gave the permission for a separate charge that isnt disputed. The merchant decided to charge my card for a transaction that wasnt authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquires below are not mines and may have been used to commit fraud. 

XXXX XXXX XXXX XXXX, New ( XXXX ) XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXXXXXX Inquiry : XXXX  XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY The accounts below has been paid off since XX/XX/XXXX. 

1. XXXX Last reported XX/XX/XXXX {$35000.00}
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for n
egligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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  Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance : {$41000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX  XXXX XXXX Balance : {$460.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00} ; DEPT OF EDXXXX XXXXXXXXBalance : {$0.00} ; DEPT OF EDXXXX XXXX Balance : {$0.00} ; DEPT OF EDXXXX XXXXXXXX Balance : {$0.00} ; DEPT OFEDXXXX XXXXXXXX Balance : {$0.00} ; DEPT OFED/XXXX XXXX Balance : {$0.00} ; DPT XXXX Balance : {$0.00} ; DPT EDXXXX XXXXBalance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT XXXX Balance : {$0.00} ; DPT EDXXXX XXXXBalance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX  Balance : {$0.00} ; DPT EDXXXX XXXXBalance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$10000.00}, {$12000.00}, {$18000.00}, {$35000.00}, {$30000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

3. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 


-- AUTO ACCOUNTS -- 5. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$35000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account.
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 confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX has violated my rights. XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights., has violated my rights. 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 without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer reporting 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 information relating to a consumer reporting agency if the persons know or has reasonable cause to believe that information is accurate.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 usc 1681 section 602 states I have a right to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) it also states that a consumer agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a credit card under a consumer plan as late for any purpose
Product: Money transfer, virtual currency, or money service

Hi. PayPal limits the accounts of their clients being that all the information is sent I have a mobile phone shop, my account was limited on several occasions, in all I managed to demonstrate what my work methodology was and what my business was. On Friday they limited my account and asked me for information, I sent the information and everything was perfect. On Saturday in the early hours of the morning they removed the limitation on my account and everything was perfect. On Monday I was again limited and asked for a bank statement and XXXX information, I did so and on Tuesday my account was unrestricted. On Wednesday my clients tell me that they can not send payments to my account and when I check my account to my surprise my account is limited again ... when I enter the account in the resolution centre I see that they ask me to provide information again and a statement of account again. I call customer service and they tell me that it may be a mistake but that PayPal still wants to recognise what XXXX XXXX is all about. I tell the representative that I have no problem sending additional information, such as a document of the registered business, where the address appears, then they tell me that they are the safest platform in the universe and that they take care of their customers ... then recently I get an email without further words that I represent a potential risk for Paypal and that I can no longer use my account and that I have to wait 180 days for the money to be released. I find out reading their terms and conditions of use, that the money I have in my PayPal account represents an unsecured credit for them. This means that they use the money of the users to make money while they retain the money of those of us who already had money there. In short PayPal is a total fraud a mini ponzi scheme. Many times I wanted to withdraw MY MONEY and I couldn't because the system always made me a " mini block for attempts '' whenever I logged in from my work or home computer and never from anywhere else. PayPal is a scam. It limits your account and makes money on your account. Please the US government can not allow this scam. Help me get my money back and my rights enforced.
Product: Credit reporting or other personal consumer reports

It appears that your financial institution may have violated federal laws related to the sharing of your personal financial information without providing you with the opportunity to opt-out. According to 15 USC 6801 ( a ), financial institutions are required to notify consumers of their information sharing practices and offer the right to opt-out of certain sharing.

Additionally, 15 USC 6809 ( 4 ) ( A ) defines " nonpublic personal information '' as personally identifiable financial information obtained from consumers, and 15 USC 6809 ( 5 ) defines " nonaffiliated third party '' as an entity not affiliated with the financial institution. 

Based on these definitions, it seems that Transunion, XXXX, and XXXX are considered nonaffiliated third parties. If your financial institution admits that they are affiliated, they may still be in violation of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ) states that consumer reports should not include information communicated among entities related by common ownership or corporate control unless clearly and conspicuously disclosed to the consumer with the opportunity to opt-out.

In conclusion, your financial institution has infringed on my right to privacy and potentially violated multiple federal laws regarding the sharing of my personal financial information. I demand
Product: Credit card

I called back in XXXX and asked why my card was locked. They said they randomly needed identity verification. It needed to be mailed in. I did twice. Still can't use the card. They closed it which affected my credit score. Now all of a sudden there's purchase interest fees. And other ridiculous fees which put my XXXX dollar usage to XXXX which is XXXX negative to my usage limit. They are a shady credit company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and JPMCB Card. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$38000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Student loan

Re : Account Number : XXXX To Whom It May Concern : I would like to make arrangements to settle the above referenced matter. Please provide me with your statement of the amount owing as of XX/XX/2022 together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 
Each financial institution has an obligation to respect the privacy of its customers and to protect the security and confidentiality of the customers nonpublic personal information. DEPT OF EDXXXX reporting information on me to any consumer reporting agency and transferring my nonpublic information without my consent is a breach of this privacy obligation policy. DEPT OF ED/XX/XX/XXXX has failed to protect my nonpublic personal information which has resulted in substantial harm to my creditworthiness, credit standing, my general reputation of consumer and has inconvenience me with moving forward with my life. DEPT OF EDXXXX shall promptly notify all consumer reporting agencies of the inaccurate information and provide to the consumer reporting agencies any corrections to that information which should report all late payments from LATE as PAID AS AGEED. 
I am also aware that NOTHING under the Fair Credit Reporting Act requires a financial institution to furnish negative information. I am also aware that an original instrument should have provided to me which I have yet to receive. If DEPT OF EDXX/XX/AIDVANTAGEdid in fact, send me my original instrument of indebtedness in its original form, please provide those documents as well. 
Per the Freedom of Information Act, DEPT OF ED/XX/XX/XXXX has 15 days to respond. If any of the above information I requested can not be proven or DEPT OF ED/XX/XX/XXXX is unwilling to provide this information, this account must be UPDATED on my consumer report from LATE and PAID AS AGREED immediately to prevent further harm to me and my financial reputation. 
It is my belief that DEPT OF ED/XX/XX/XXXX is engaging in unlawful extortionate means to collect on extensions of credit. Reporting inaccurate information on me without my consent and demanding I pay an alleged debt is a form of extortion. What lawful authority do you have to violate my right knowingly and willingly to privacy with forethought and malice?
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership and I had my credit ran more times than I agreed to. Here are the companies that I did not authorize the dealership to run my credit with 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

Failed to proper investigate account and respond in a timely manner.