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

I am with Bank of America. They have XXXX  built into the app. I thought it was a service very similar to XXXX/XXXX where if fraud occurs you can cancel the payment. It also advertises it as being secure. Which BOA having a contract with them makes it feel very secure. I was frauded on a concert ticket sale. The Confirmation number is XXXX. The amount was {$60.00}. Perhaps BOA should have a more reputable app built within their mobile platform one that has similar security to that of XXXX.
Product: Credit card

Around XXXX XX/XX/year> : I applied for the Southwest credit card ( processed by Chase ). I got a hit on my XXXX credit score but Chase responded, when I called them up after about 10 days, that they never got the report. I had my score fall XXXX points ( XXXX from XXXX ) on XX/XX/XXXX because Chase ( JPMCB ) accessed my credit report towards the Southwest credit card application, but they denied it and declined my card application. 

Around XXXX XX/XX/year> : I called up XXXX to confirm if Chase had accessed my credit report. They said yes ( which I can also see on my account ) but they said they can not do anything and I should contact Chase and if they are not helpful, the the FTC. I called Chase and confronted them with evidence ( my score report on XXXX ), but they did not accept accessing y report. When I asked to be connected to a manager/ supervisor, I was put on hold for about 12-15 mins with no one getting back, so I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Equifax stated my account was properly Investigation but how is that possible if the open date is Inaccurate, the date last active is Inaccurate, and the date last reported is not accurate? This is ground for removal they also violated my rights under 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 an account without my written instructions. Below are the names of the original creditors, along with account numbers and a list of various violations. DEPEDXXXX Account # XXXX Violation 1 : Date Opened : ( XXXX ) XX/XX/XXXX Date Opened : ( Equifax ) XX/XX/XXXX Violation 2 High Credit Limit : ( XXXX XXXX ) {$1500.00} High Credit Limit : ( Equifax ) {$1100.00} Violation 3 : Date Last Reported:XXXX ( XXXX ) Date Last Reported:XXXX ( Equifax ) Violation 4 : Date Last Active : ( XXXX XXXX ) XXXX Date Last Active : ( Equifax ) XX/XX/XXXX DEPENDXXXX Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( XXXX ) Date Last Reported : XX/XX/XXXX ( Equifax ) Violation 2 : Date Last Active : XX/XX/XXXX ( XXXX ) Date Last Active : XX/XX/XXXX DEPTEDXXXX Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( XXXX ) Date Last Reported : XX/XX/XXXX ( Equifax ) Violation 2 : Date Last Active XXXX XX/XX/XXXX ( XXXX ) Date Last Active : XX/XX/XXXX ( Equifax ) DEPTEDXXXX Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( XXXX ) Date Last Reported : XX/XX/XXXX ( Equifax ) Violation 2 : Date Last Active : XX/XX/XXXX ( XXXX ) Date Last Active : XX/XX/XXXX ( Equifax ) DEPTEDXXXX Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( XXXX ) Date Last Reported : XX/XX/XXXX ( Equifax ) Violation 2 : Date Last Active : XX/XX/XXXX XXXX XXXX ) Date Last Active : XX/XX/XXXX ( Equifax ) US DEPT ED Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( XXXX ) Date Last Reported : XX/XX/XXXX ( Equifax ) Violation 2 : Date Last Active : XX/XX/XXXX ( XXXX ) Date Last Active : XX/XX/XXXX US DEPT ED Account # XXXX Violation 1 : Account Status XXXX Indeterminate ( XXXX ) Account Status : Closed ( Equifax ) Violation 2 : Date Last Reported : XX/XX/XXXX ( XXXX XXXX Date Last Reported : XX/XX/XXXX ( Equifax ) Violation XXXX XXXX Date Last Active : XX/XX/XXXX ( XXXX XXXX Date Last Active : XX/XX/XXXX ( Equifax ) US DEPT ED Account # XXXX Violation 1 : Date Last Reported XXXX XX/XX/XXXX ( XXXX ) Date Last Reported : XX/XX/XXXX Violation 2 : Date Last Active XXXX XX/XX/XXXX ( XXXX ) Date Last Active : XX/XX/XXXX ( Equifax ) Violation 3 : Payment Status : Collection ( XXXX ) Payment Status : 120 Days Late ( Equifax ) US DEPT ED Account # XXXX Violation 1 : Payment Status XXXX Collection XXXX XXXX ) Payment Status : Collection ( Equifax ) Violation XXXX : Date Last Reported : XX/XX/XXXX ( XXXX ) Date Last Reported : XX/XX/XXXX ( Equifax ) Violation 3 : Date Last Active : XX/XX/XXXX ( XXXX ) Date Last Active : XX/XX/XXXX ( Equifax )
Product: Debt collection

Got a call from Midwest Recovery Systems XXXX spoke to XXXX on XX/XX/XXXX at XXXX EST about a debt that appeared on my credit report on XX/XX/XXXX. He stated it was from a loan from XXXX XXXX XXXX from XX/XX/XXXX via XXXX XXXX of XXXX Florida for {$5000.00}. Stated that I owed {$7900.00} on the loan. I live in Ohio and have never opened any accounts in Florida he stated I needed to file a police report and he would send the documentation over to me. I never received anything from him or anyone else. I monitor my credit report closely and this has never been on any reports. I found there are over 600 complaints in the last three years similar to this against this company which has resulted in the XXXX revoking their Accreditation. While I will still file a police report I also wanted to file a complaint with CFPB as I am sure there are others dealing with this same scam.
Product: Checking or savings account

In the last 2 years I've been charged over {$3000.00} in overdraft fees. I requested in writing a refund on those funds & was only returned {$340.00} back. I've been with Wells Fargo for over 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXX XXXX XXXXDispute XXXX XXXX bankruptcy petitionDispute Chapter XXXX bankruptcy dismissedDispute ftc violations please remove names : XXXX XXXX XXXX XXXX XXXX XXXX not mine
Product: Debt collection

ZFN and Associates keep calling several times a day to the house phone and my cell phone. They called from different phone numbers. List of phone numbers they used, XXXX XXXX and XXXX. Informed ZFN and Associates to communicate with me in writing and to stop calling. That was 2 to 3 week ago and as of today XX/XX/2019, they keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX  - XXXX / XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX 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 XXXXXXXX - XX/XX/XXXX, 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 furnish a account without my written instructions
Product: Payday loan, title loan, or personal loan

I spoke with Earnin through their chat feature since that's all they allow. I noticed they removed funds too early from my bank account, causing overdraft fees to my bank account. I notified them of this issue before the XX/XX/XXXX debit, and they assured me that it would not occur again. Earnin changed the due date, and I was sure Earnin resolved it. I rechecked the Earnin app before XX/XX/XXXX and noticed they had the date incorrect for withdrawal and had it set to 2 days before I am paid. I spoke with an agent and got nowhere, so I asked to speak with a supervisor who would not change my due date even though I explained that the bank does not deposit my funds while Earnin has chosen to debit my account. They informed me that I would have to wait until it happened again to change my withdrawal date. I was paid on XX/XX/XXXX at XXXX XXXX and checked my account to see its accrued fees because Earnin refused to change my due date. I chatted online with another representative on XX/XX/XXXX who changed my withdrawal date to 1 day before getting paid to ensure I did not receive any fees. I received a case number and was told this would not happen again and the change was permanent. I've checked the app again and now Earnin has my withdrawal set to the XXXX. I don't get paid until 2 days before my check at XXXX XXXX CST.
Product: Vehicle loan or lease

XX/XX/2024 I was XXXX min from my home when I received a notification that my car alarm had been triggered. I went out to the parking lot and noticed my car was gone. I tried making sure I was not in the wrong lot and tried unlocking and locking the car so that I could locate it. I called XXXX to report the car stolen and they contacted me back stating it had been picked for repossession. We have not received XXXX phone call, XXXX piece of mail, anything certified over-nighted NOTHING from Tesla stating the payments I have made did not go through or that we were in a state of repossession. I immediately got on the phone with Tesla and was standing in the bank within XXXX min trying to wire any funds that did not go through. I was told after over XXXX hours of waiting on hold that a XXXX would contact me back within XXXX hours. I have since emailed multiple times a day and called multiple times a day to be told I must be patient and wait for a supervisor to contact me back. I NEED my car back and we will do what ever we need to do to get it back even if we have to pay off the loan in its entirety. I have contact multiple people at the local Tesla in XXXX and they assured me they would have someone internal to call me back. I have texted the same location the last XXXX days and they have instructed me to contact the same number and same email address for assistance. THIS IS NOT WORKING so I am resorting to email every email address I can find, number I can call and text any option I have for immediate and urgent help. They have absolutely no other way to get a hold of anyone, make payments, get a resolution on an issue you may have and this has caused major issues. I have read where this has become an issue with other owners and this damages relationships, financial status, and causes due harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy 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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 


there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MN XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is reporting a collection that I do not owe. This account is settled and should not be reporting a charge off onto my credit. This is in violation and it needs to be removed.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed on my report have not being initiated or authorized by myself. The inquiries are a result of ID Theft.
Product: Debt collection

XXXX XXXX XXXX has been mailing me bills for years that is not mine. I have returned to sender items and written that it is not mine as I AM NOT XXXX XXXX. 

I have moved XXXX times and the debt has followed. They recently reported it to the credit bureaus and negatively effected my credit. I disputed it. The company continues to bill me. This needs to be removed from all three bureaus and they need to cease mailing me.
Product: Credit reporting or other personal consumer reports

The following information is incorrect and i would like it removed from my credit report.
Product: Credit card

We contacted Chase bank about charges listed on XX/XX/XXXX to XXXX XXXX, Illinois for {$32.00}, a second on XX/XX/XXXX to XXXX for {$100.00}, and a third onXX/XX/24 for {$180.00}. They closed the account and there has been no further charges. However there has been no resolution to the disputed charges because they were Chip charges. However after many calls to get contact information for the vender in XXXX, XXXX they gave us an address of vender but this address does not exist. We checked in person and also using reverse address look up at XXXX and XXXX XXXX. They do not respond to the information on the nonexistent address. They again denied the claim as it was a chip purchase.
Product: Debt collection

Discovered money was being drawn out of my account to upgrade who I never contacted or opened a loan with this was XX/XX/XXXX loan was opened in XXXX sometime company is not cooperating with me they wont close account or send letters to me
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries don't belong to me. Please remove 1. Identity Theft 1 XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft BK OF AMER Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit card or prepaid card

I became ill several months ago, following that my father became ill and then XXXX. I tried and did make payments to comenity, however it became impossible and I tried to arrange payments, they demanded large payments, made me cry. I just lost my father and they called and demanded a huge payment, then I get turned over to a collection agency for over twice the limit of the card.
Product: Debt collection

I am requesting assistance with collections for what I believe is a case of identity theft. 

I have contacted Cedar Business Services and they refuse to mail me the documents that make them believe that I am responsible for this debt. I have an Exceptional payment history with XXXX XXXX. Cedar Business Services reported these debts to credit reporting agencies. 

I wrote to Cedar Business Services on XXXX XX/XX/2019 : " I am responding to your contact about collecting a debt. You contacted me by mail on XX/XX/2019 and identified the debt as XXXX XXXX Creditor. I do not have any responsibility for the debt you're trying to collect. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. ''
Product: Credit card or prepaid card

I would like to file a dispute concerning a balance of {$58.00} on my XXXX and XXXX credit card account, managed by Comenity Bank. 
This amount includes two late fees of {$27.00} plus two minimum finance charges of {$2.00}. 
It is for a payment I made on XXXX XXXX at XXXX for {$28.00}. The payment was due that day. I would like to file an official complaint that there was no hour deadline on the first page of the bill where the XXXX XXXX amount is stated. It simply says the amount should be paid on a specific date, XXXX XXXX. As we all know, every day has 24 hours and so according to that detail, I had until 11.59pm to make the payment. 
Again, the first page DOES NOT tell clients that the amount has to be paid on a certain hour. Anyone paying online, which includes most people, would have no idea they have to pay by a certain hour on that day. 
In fact, the only place in the bill in which the DEADLINE HOUR of 8pm is stated is BURIED in tiny letters at the end of the page on the reverse side. That is absolutely misleading for any consumer. 
A few weeks later, XXXX claims it sent me a letter statement with a late fee amount of {$27.00}. I did NOT receive this letter. The company claims it had sent it but can not prove I actually received it. I did NOT receive it. Additionally, it sent me another letter afterward with a late fee on top of the late fee ( now totaling {$58.00} XXXX I also did NOT receive that letter. XXXX has no way to prove that I had received it. I did not receive EITHER letter. Therefore, I couldnt be notified of these amounts. 
I spoke to a Comenity representative named XXXX on XXXX XXXX, who refused to waive the extra fees. 
I request that the whole amount of {$58.00} be waived. I understand that a late fee was already waived in XXXX, and that there is a limit on waiving only one late fee every 18 months. 
However, this is an exceptional case in which I actually paid the necessary amount on the required day, was not properly notified I needed to do it by a certain hour, and did not receive the necessary correspondence about the late fees. I would also like to file an official complaint that an hour deadline be placed at the first page of the bill where the XXXX XXXX amount is stated to make it clear for customers in the future. 
I refuse to pay these late fees and will take this dispute further should my side be rejected. 
I demand that all {$58.00} in additional fees be canceled. 
I also ask for a provisional credit to cover the {$58.00} while this dispute is pending, and for no further late fees to be incurred.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt.

Under 15 US code 1681 e ( b ) & 15 US code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate.

In accordance with Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights.

Pursuant 15 USC 1681 Section 602 A states I have rights to privacy Pursuant 15 USC 1681 Section 604 A Section 2, it states a consumer reporting agency can not furnish an account without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims & will require you to delete all of listed items above. You are required to do what I'm asking and block these transactions from being reported to my consumer report WITHIN 4 days from the date of the receipt of this notice I LOOK FORWARD TO YOUR RESPONSE. 

RESOLUTION Delete these accounts unless you want to be held accountable for {$1000.00} per account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account doesnt belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a update on XXXX XXXX and Experian saying I had a credit inquiry from XXXX and I never signed anything or applied for XXXX. Its fraudulent
Product: Checking or savings account

I received an email at the end of XX/XX/XXXX saying they were closing my account and they have yet to tell me what i have done to cause that and since XX/XX/XXXX I've been fighting with them to get my closer check. I've been fighting with them to update my address and i keep getting the same run around with them saying give it anywhere from 14 to 30 day and you should get it. Its been months.