23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX I authorized XXXX XXXX on XX/XX/2021 to pull my credit only with XXXX XXXX and XXXX XXXX XXXX they made an error and ran with my credit with XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX I reached out to the XXXX XXXX XXXX to have the unauthorized pulls removed he refused and gave me a letter saying I should submit it to the credit bureaus since then Ive spent money sending certified letters and making phone calls to have these items removed my credit went from the 600s to the 500s the credit bureaus have come back stating the inquiry disputes were upheld even with the letter from XXXX XXXX stating it was their error
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report and noticed some fraudulent accounts appearing on it. Reinvestigate and remove the accounts listed below. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. Based on consumer law 15 U.S.

Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Credit card

I am attempting to include information on my report explaining the reason for the negative reflection. I am XXXX and want the reason documented on the report. Prior to my XXXX I conducted good payment history.
Product: Mortgage

I am appalled of the way US Bank has handled my loan. I have tried to work directly with my specialist however, US Bank has only sent me letters stating they will have a decision soon but nothing is getting done. US Bank is prolonging my case and not providing me my settlement. I am livid because I have wired over {$200000.00} to US Bank and they still want more money. I do not have any additional funds available I gave US Bank all the money my husband received from a severance package of {$20000.00}. I wired all the funds to US Bank and they did not give me any credit until I started to complain. I need my settlement as I was told through a recorded call. I do not want to involve any attorneys therefore, I hope US Bank can pull the recorded calls because is not fair that I gave them all the money me husband received. To make matters worse I was not able to use any of the funds to pay my husbands hospital bills ; this is really devastating.
Product: Money transfer, virtual currency, or money service

I ordered some merchandise and it was lost.Was paid for on XXXX XXXX, 2017 from XXXX XXXX For XXXX .Instead of reversing the charge on XXXX XXXX She sent me the money like she was buying something from me so instead of going back onto my card it went into a paypal account .After I realized I was unable to withdraw the money out of the PayPal account because they have limits on how much you can withdraw.I called PayPal and they told me to return that money and ask her to reverse the Chargers. On XXXX XXXX I sent her payment back and asked if see could please reverse the payment on th initial charge so it would go back onto my card I paid with because I was unable to get the money the way she sent it. Lesson learned you cant trust people
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 {$13000.00}, {$5700.00}, {$18000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve my issues with things that are on my credit report that should not be reporting. The information just keeps getting ignored and it is still on my credit report. I do not know what else to do. The following accounts should not be reporting on my report : XXXX XXXX  for {$520.00} XXXX XXXX XXXX XXXX for XXXX XXXX XXXX for {$660.00} XXXX XXXX XXXX XXXX for {$680.00}
Product: Credit reporting or other personal consumer reports

XXXX : This is an account I co-signed ( XXXX, XXXX  ) for my daughter XXXX XXXX who secured a loan with XXXX XXXX. She paid on the loan until last year when she filed bankruptcy. This loan was charged off, however, they added it to my credit report with the full loan amount of $ XXXX. I've tried to dispute it several times. I know this is a subprime lender that has several lawsuits filed against by consumers. I have never had possession of this car. This loan has disqualified me from refinancing my home back in XXXX. 

XXXX  : I have paid these accounts in full. 
XXXX XXXX : This account has been paid in full. 
XXXX : {$800.00} - Incorrect balance and reporting dates. 
XXXX XXXX : {$500.00} - Incorrect balance and reporting dates. 
XXXX / XXXX XXXX  : {$480.00} - Incorrect balance and reporting dates. 
XXXX XXXX XXXX  : {$730.00} - Incorrect balance and reporting dates. 
XXXX XXXX  : {$1000.00} - Incorrect balance and reporting dates. 
XXXX XXXX  : {$490.00} - Incorrect balance and reporting dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a report from XXXX XXXX  saying theres a suspicious of fraud on my name
Product: Money transfer, virtual currency, or money service

I have been scammed over XXXX on XX/XX/2022. 
A XXXX user XXXX XXXX offered to sell 4 tickets to XXXX XXXX XXXX XXXXXXXX. She asked {$200.00} for them and told me to XXXX money to her sisters account : XXXX XXXX, XXXX. She received the money and a couple of hours later she emailed me some XXXX codes. 
The XXXX codes did not look right, because my friend purchased tickets directly from the company and they looked different. So I texted her back via XXXX XXXX and asked for the original emails with the tickets, but she never replied. Over the next couple of days, I repeatedly emailed and texted XXXX XXXX, but she never replied. 
On XX/XX/XXXX I went to XXXX XXXX XXXXXXXX page and found that she deleted our conversation, and she keeps commenting under different posts, selling the same fake tickets to other people. This was the moment when I realized that I got scammed. 

I contacted Bank of America on XX/XX/2022 and reported the loss of funds, but was told that the investigation can take up to 90 business days and theres no guarantees that I will get the funds back. 
When I asked the bank representative for a Regulation E dispute guidance, she said its not my case since the transaction was authorized. I replied by reading that the Consumer Financial Protection Bureau issued guidance to clarify that fraudulent P2P transactions are considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. Her tone changed and she answered, let us do our investigation. 
Since it can take up to 90 days for the bank to investigate, and the deadline for a Regulation E dispute is only 45 days, I thought its best to file this complaint immediately. 
On XX/XX/XXXX I also reported this scam incident to FBI Internet Crime Complaint Center at XXXX and to Federal Trade Commission at XXXX 


I will attach all the documents connected to the scammer ( messaging with XXXX XXXX, my email to her that she never replied to, screenshots of her XXXX page, her comments on XXXX XXXX XXXX XXXXXXXX page, fake tickets she sold ). I also just purchased new tickets from the event website. Let me know if you want me to send those to you too, since they are absolutely different from what she sent. 
Please, see the scammer 's XXXX page here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and Equifax have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 collection agency XXXX XXXX reported an open balance of {$1000.00}, I contacted the original creditor XXXX, XXXX and XXXX  to advise them this was included in Chapter XXXX discharged bankruptcy. They have refused to update the balance, report the account as Bankruptcy and will absolutely not respond to my right under the Federal Bankruptcy Law.
Product: Checking or savings account

On XX/XX/XXXX, I went to the bank and made a deposit of XXXX XXXX and XXXX XXXX dollars but through out the process I filled out the deposit slip and unnoticedly only wrote XXXX XXXX and XXXX XXXX dollars but the teller didn't give me the XXXX XXXX dollars. So the next day I checked the bank account and the deposit was wrong and I went to the bank and they told me that they cant do anything right now and told me to come back in 3 weeks. So I came back in 3 weeks and they said that the deposit was only XXXX XXXX and XXXX XXXX dollars so I demanded the look at the video tape so they refused to show me the tape. So I called the police and I told him can he help me look at the tape and he disrespectfully said he don't have to do that because the bank told him that the deposit was only XXXX XXXX and XXXX XXXX dollars. He also said that I stole the money and give it so someone else and blamed it on the bank but its my money so why I have to steal it. I want to see the tape because I know for sure the the deposit was XXXX XXXX XXXX XXXX and not XXXX XXXX and XXXX XXXX dollars.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was notified that I elected to opt-out and I don't provide them authorization to report my mortgage to credit bureau XXXX They received a payment each month for a debt they have failed to validate. They received funds via 1099a that IRS approved. They still have not credit the account. I included bank confirmation for each payment for XXXX to XX/XX/year> for which they said 3 months were not paid. 

I also want my asset back security that is being hold by XXXXXXXX XXXX  to be sold and the funds to be transferred to my personal fidelity account. 

They have sent notification stating they were investigate the account and was expected to have complete In XXXX but was delayed to XXXX. However, they have not pause their payment due to a billing error.

18 USC 1025 - lying, fraud, etc regarding any instrument, promissory note, etc.

18 USC 1348 - fraudulently getting money from transfer of an instrument or security 12 USC 504 - breaking fiduciary duties- $ XXXX {>= $1,000,000} A DAY penalty ( this one has a multi-tiered system and the charge should be specific )
Product: Checking or savings account

In mid XX/XX/XXXX I had somebody try to cash XXXX checks on my account which was a fraud, when I learned of these transactions I went to my PNC Bank in person they informed me that my account had been compromised so they could open me a new account an transfer my balance of {$21000.00} to my new account and close my old account I agreed. The balance of {$21000.00} from my old account they closed was never transferred into my new account. Then within XXXX week someone tried to commit fraud on new account, I went to PNC Bank to notify them and to see what & why this kept happening to my accounts considering no one had access to any of my account information an I also specified to the bank not to do any ACH from my account for any reason unless I authorize it. So they closed my account for the second time an opened me another account for the third time. My {$21000.00} was still not put in my account & they also processed XXXX ACH transactions on my account on XX/XX/XXXX. 

XX/XX/XXXX - {$2200.00}, XX/XX/XXXX - {$3100.00}, XX/XX/XXXX - {$4800.00} XX/XX/XXXX - {$6300.00}, XX/XX/XXXX - {$7200.00} Total : {$23000.00} From XX/XX/XXXX ( to ) XX/XX/XXXX my account is missing {$44000.00} an when I recently went in to the PNC Bank an spoke to the manager there XXXX XXXX only thing they would tell me is there's nothing they can do, I can't receive my money back, and it was my fault because I should have checked my account daily.
Product: Credit card or prepaid card

Received aXX/XX/XXXXdebit card in the mail from a random company I did NOT request a card from. I tried to contact the company ( Netspend ) and could not get a person. The auto menu asked me to input my social security number and the card number to activate. I did not do either. Again, I have never heard of this company, have never requested a card or line of credit from them ever. This seems like a scam to me. And I thought sending live cards that werent requested is now illegal. Please investigate this shady company and their questionable practices.
Product: Debt collection

Got letter from FBCS that was dated XX/XX/21 stating I owed {$290.00} to XXXX XXXX. 
I called my dentist and they said I have no account balance with them. 
I called FBCS and tod them I spoke with the creditor listed on the letter and I have no balance and all she said was ok and did I wan na make arrangements to pay? 
This is lowering my credit score for a debt I don't have or owe.
Product: Credit card

I just received a new XXXX credit card from Bank of America. You can see all your credit card information on Bank of America 's normal website, which is the same site that contains all of my Bank of America bank account information. So far, so good. I can do anything, including one time payments to my XXXX credit card on the website. Except for one thing : I ca n't set up autopay through the site. I called the number on the back of my credit card and the representative said that the website is n't designed in any easy way to allow this. Indeed, the best way was to go to another website, which no one would know about without calling them and waiting. This worked, but I have never seen anyone issuing a credit card so clearly and purposely make it so difficult to set up autopay. I suspect the reason this is being done is so that fewer people will set up autopay and therefore they will be much more likely to end up paying interest fees. This just seems wrong to me.
Product: Credit card

I got the Home Depot credit card through CITI for some promotional purchases for some home projects, since they offered no interest for XXXX months. Initially I used this card for other purchases at the Home Depot store, which were separate from the promotional purchases. When I made these other purchases, I would go online and immediately attempt to pay off this amount. However, interest still accumulated that I had to pay, and no customer representative was able to help me solve the issue. The credit card and promotions were misleading for the following reasons : -The website is misleading, as it will show you your promotional balance, but will not show you any additional, outstanding charges. I discovered this when interest started to accumulate, and I had to call in to a customer representative, who told me that the best way to pay off additional purchases is with a phone call. 
-It is very difficult to get connected with a real representative over the phone to handle the above problem. I had to use incorrect prompts to reach a human that could help. 
-I paid off the non-promotional balances, and even made extra payments on my card prior to the promotional period ending. However, once the promotional period was ending, I attempted to call in and pay off the credit card, but was made aware that there was outstanding interest. The representative on the phone could not tell me the specifics of the charge, but there was a {$4.00} charge that had accumulated over {$40.00} in interest. I asked how this could happen when I paid off the non-promotional balance over the phone previously, in addition to making extra payments on the card. They replied that my extra payments only went to the promotional balance, not the {$4.00} charge, even though I had never specified this with the payments. 
-I went back to look at previous statements to find this {$4.00} charge. When you download statements, it gives you an XXXX file that is very unclear, and I did not see any {$4.00} charge. The customer representative was unable to do anything about these charges and the additional interest I paid. I asked to pay off the entire card and close my account. 

I believe these practices are intentionally misleading in order to accumulate extra interest charges on customers. My guess is that this has affected many other individuals, and I wouldn't be surprised if this results in a future class action lawsuit.