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

I was called today by what I believed was my power company. XXXX XXXX XXXX. They told me that my bill had not been paid and the the electricity would be shut off in 30 mins. This is a new account and electricity company to me so I believed something had gone wrong with my payment. So I became panicked. The temperature was freezing out and I was worried that my power would be shut off. I was promised it was the power company and they would help me. He advised me on how to make the payment. He said to go to my bank and make a XXXX payment be because and credit or debit card would not work. He said send {$290.00} to XXXX XXXX XXXXr and gave me the phone number to send it too. So I did. He then told me that the payment did not go through and to try again. So I did. He then also told me I have a security deposit that was due. And to make a payment of {$200.00}. I said I had never got a bill but he said that was a company error. Unfortunately I believed this scammer and now I have lost over {$490.00} to scammer. I feel as though I should have been better protected by the financial institution of PNC and XXXX XXXX XXXX. I had never heard of XXXX. So I didnt know it was so easy for a scammer to access the money. Please help me. It is right before XXXX and now Ive lost all my XXXX money for my kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have notice in accurate items on my credit profile. These are results from identity theft. My Car was stolen back in XXXX and ever since getting my whole life back in order has how its been. TransUnion didnt submit any documents providing proof I Signed any type documents if agreement to any loan. Therefore all these accounts associated with the name of US Dept Of US is unauthorized and not veritable. These accounts had a date of XXXX XXXX with the balance of XXXX $ From Us Dept of ED and balance of XXXX $ from XXXX. Another one XXXX XXXX balance XXXX $ From Us Dept of ED and balance of XXXX $ from XXXX. The last ones on XXXX XXXX balance XXXX $ From Us Dept of ED and balance of XXXX $ from XXXX. These are not mine accounts and I dont have any other solution at this point, I am NOT working with a third party organization. I have enclosed several documents verifying my identity and some facts from the fair credit reporting act for the blocking off all inaccurate items. 

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Product: Credit reporting, credit repair services, or other personal consumer reports

Equitfax sent  incorrect credit score to  XXXX . All other lenders got an  XXXX  score, while   XXXX   XXXX   was provided a  XXXX  I was not given the lower interest rate, but the rate of 9.09 % I tried to ask Equifax why, and they just said, I had no adverse information, but could n't give my credit score as it was confidential.
Product: Credit reporting or other personal consumer reports

I am sending to request urgent corrections to my credit report, as it appears that my file has been mixed with someone elses. There are multiple accounts and personal details on my credit report that do not belong to me. Please review and update your records accordingly. 
1. Incorrect Name Please update my file to reflect my correct full legal name, and remove any incorrect names that may have been mistakenly associated with my credit profile, including : XXXX, XXXX, XXXX XXXX, XXXX, XXXX 2. Incorrect Addresses Please delete all addresses that do not belong to me, as I do not have access to or receive mail at these locations. The following outdated addresses should be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im making a complaint against cashapp due to not refunding me money cashapp failed to check my account for fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard credit inquiry done by XXXX without my permission and knowledge, please remove this off my credit. It was done on XX/XX/2017.
Product: Money transfer, virtual currency, or money service

XX/XX/2018 ... XXXX XXXX a subsidy company of XXXX XXXX XXXX XXXX is the new third party company used to apply for financial aid for my sons private school. The upcoming year will be my sons second year at this private school. He attends the school made affordable by a tuition need scholarship. It is now required to apply for aid through XXXX XXXX. The application process was previously of no cost to the applicants as it was need based. Facts Is targeting low income families by requiring payment to submit the grant application. Other companies have a waiver available for situations of this type. Facts does not offer such and in turn is prohibiting access to financial aid for students unable to pay cost of tuition and excess fees. Without the submission of the aid application by the due date the student misses the opportunity for scholarship opportunity. When Facts was contacted about a fee waiver the company agent says this is their bread and butter there is no way to submit financial aid application without paying the fee. This is appears to be a predatory discriminatory practice against need based students. As an unemployed single mom trying to gain access to better education services for my child, this is poor business and it needs to be addressed. XXXX takes advantage of student loan borrowers and now has turned to blocking opportunities from secondary school students.
Product: Vehicle loan or lease

Since the beginning of loan the terms where a lie between avid and XXXX XXXX of XXXX ky. I fell behind on payments for a short while got caught up.and now the money I have been paying is mostly ate in interest .and late fees and nothing is being applied toward the car.
Product: Money transfer, virtual currency, or money service

On the morning of XX/XX/year> I decided to purchase XXXX from CEX.IO in the amount of {$190.00} ( what was charged to me ) and in the process of that transaction being placed through the website seemed to have some type of an issue and hung up while displaying a server issue on the screen. When the site worked again after being down it actually completed my transaction but only credited me CASH ( USD ) rather than litecoin. 

Since that time, as seen in the attatchment, the net amount given to me of {$180.00} ( which was actually much less than what the fees indicated my net amount would be ) is untouchable in my account. It does not allow me to send the funds, convert the funds, or withdraw the funds. 

Since that morning I have attempted to contact their " live chat service '' multiple times a day with no resonse coming back. In addition, I contacted their social media page which actually answered me multiple times but told me that I had to wait until support got to my ticket. 

Each day when i go into this so called " live chat service '' it keeps saying they will be back next day, or in a few hours or a different type of categorization of when they will return. This is not a " LIVE CHAT SERVICE '' and they chose to respond to social media inquiries but don't invest in the resources to answer a customer that they are holding their money. 

Currently the money is being held hostage by CEX in addition to the fact that I have 5 years of transactions with them where they charged me higher than advertised fees. So if a transaction says {$7.00} in fees potentially i am getting charged {$15.00} or so in fees ( nearly double every time ). So not only do they hold your money without regard, but they charge you unadvertised fees which add up to alot over time.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX failed to provide factual documents about these accounts on my personal account XXXX -Address of XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -Failed to provide factual information about XXXX XXXX  account # XXXX -Failed to provide factual information about XXXX  XXXX account # XXXX -inquiry from XXXX XXXX XXXX XXXX  Experian -Failed to provide factual information about XXXX XXXX  account # XXXX XXXX -inquiry from XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Enhanced Recovery Company, LLC has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt
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 NumberXXXX Account Name : XXXX  Account Number:870349 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, credit repair services, or other personal consumer reports

I recently attempted to dispute a bankruptcy showing on my credit file with Experian ... Experian responding saying item was verified as correct with XXXX XXXX courts I then contacted the courts who stayed they have no records of said bankruptcy filing reference XXXX contains my name and that they had NOT verified or provided any information to Experian ... .I then reached out to Experian again and received credit report # XXXX dated XX/XX/2020 which now referenced the source of the bankruptcy as XXXX XXXX I contacted XXXX XXXX and received a copy of my file which still does NOT reference bankruptcy XXXX as Experian has listed I then filed a compliant with CFPB XXXX were Experian XXXX they would NOT take any actions as my disputed appeared to be from a third party. How can they say this when I provide a copy of my drivers license social security card and credit report showing the bankruptcy listed on it ... I believe Experian is violating my legal right to dispute invalid information and it is causing undue financial hardship for me .... I will be obtaining an attorney for legal assistance with this matter if no valid dispute is allowed on this item I am providing photo Government issued ID Proof of address, social security number and credit report as the previous response stated these items were needed although they were attached I have also attached communication from XXXX XXXX confirming they do not have bankruptcy on file for me
Product: Money transfer, virtual currency, or money service

I contacted Coinbase via their web site and I was not allowed to call them as they do not allow phone conversations, so they chatted with me online through their system. I went through their verification process asn they told me that the information provided was not good enough, so they sent me a link to click on to givwe them more information, and it would not work when i clicked on the link. So i tried to get a hold of the again and they have blocked me from communicating with them moving forward.
Product: Credit reporting or other personal consumer reports

After reviewing my submission, I noticed that the Credit Bureaus stated that my accounts was properly investigated. How is that possible when some of the open dates are inaccurate. The dates last active are inaccurate, and dates last reported are inaccurate? This is ground for removal. 

My rights was also violated under 15 U.S. Code 1681 Section 602 A. : States I have the right to privacy 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. ( I didn't give them written instructions ) 15 U.S. Code 1681 Section 603 ( 3 ) ( E ) Investigative Consumer Report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information does not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 U.S. Code 1681n - Civil liability for willful noncompliance : ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or 15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and will be filling a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering. Thank You
Product: Checking or savings account

I opened a new Citi Checking account with the promotion that Citi offers ( XXXX : XXXX ) on XX/XX/XXXX. Funded {$15000.00} to the new account via money transfer from XXXX XXXX Checking ( external account ) on XX/XX/XXXX. The moment XXXX XXXX confirmed the balance was taken out of my account ( via email notification ), I logged into my Citi online account, but the new checking account and existing savings account were blocked. Tried calling Citi customer service for 1 hour and was passed around from one agent to another 2 agents without resolution. I called the Citi fraud prevention department on XX/XX/XXXX, but the agent was not able to confirm if {$15000.00} has been received or why all my accounts were blocked. I was told that I have to wait 30-60 days to receive a letter as to why my accounts were blocked and a check for both my checking and savings accounts which should add up to {$15000.00}.
Product: Payday loan, title loan, or personal loan

1. ) XXXX - Misled by door-to-door salesman with XXXX XXXX XXXX ( XXXX ) that he was using our information to " pre-qualify '' us for a loan for windows. 
We told him we would most likely use our own financing. He assured us we were only " pre-qualifying. '' 2. ) When XXXX XXXX left, he stressed we would get a packet from GreenSky and to just " ignore '' it. 
3. ) XXXX - Due to " numerous '' discrepancies and red flags described in an attachment. We canceled the XXXX agreement and requested XXXX email ALL signed documents. 
4. ) XXXX - Discovered email w/subject line " Credit Application '' that upon opening was a GreenSky Shopping Pass in our names for {$46000.00}, with funds payable to XXXX. 
5. ) XXXX - Contacted GreenSky, they " closed account '' at {$0.00} balance 6. ) XXXX - Concerned for identity theft, requested GreenSky explain HOW did they email XXXX a loan w/Shopping Pass, we did NOT authorize, for {$46000.00}. 
7. ) XXXX - GreenSky would produce simplistic 1 page credit applications from XXXX with our signatures. 
8. ) XXXX - Informed by GreenSky representative that the unauthorized loan agreement in a CLOSED STATUS - COULD POTENTIALLY BE REOPENED. She stated, In case we should change our mind. In spite of my explaining I did not authorize this loan. 
9. ) Discovered verbiage in loan agreement on pg. 8 & 9, gave GreenSky INDEFINITE ACCESS TO CREDIT FILES and TO SHARE OUR PII. 
10. ) XXXX XXXX XXXX  - Filed XXXX complaints with XXXX and GreenSky trying to get loan agreement CANCELED and VOIDED OUT. 
10. ) XXXX says through XXXX there is no loan agreement with them and talk to GreenSky if there is any line of credit. 
11. ) GreenSky REFUSES to CANCEL OUT the unauthorized Loan agreement and GIVE US WRITTEN VERIFICATION.

12. ) GreenSky stated through XXXX that they gave us written verification the account was closed and blocked and THIS IS NOT TRUE, they have NOT. 
13. ) This account remains in a CLOSED status only, giving GreenSky the continued right through the loan agreement to SHARE AND ACCESS OUR PII INDEFINITELY. 
14. ) GreenSky states our signatures on the XXXX document make the agreement valid. 
16. ) However, Texas Bus. and Comm. Code 12. Ch. 601. Sec. 601.153. - States that a merchant " may not negotiate, transfer, sell, or assign a note or other evidence of indebtedness to a finance company or other third party '' before the 5th bus. day. Yet WE CANCELLED the unauthorized loan agreement on the 3rd bus day. 
17. ) XX/XX/2021 - We have given GreenSky and XXXX the following information from the TX Attorney General - and they still REFUSE to CANCEL AND GIVE WRITTEN VERIFICATION : The Texas Bus. and Comm. Code 12. Ch. 601. Sec. 601.153.

TRANSFER OF INDEBTEDNESS DURING CERTAIN PERIOD. 
A merchant may not negotiate, transfer, sell, or assign a note or other evidence of indebtedness to a finance company or other third party before midnight of the fifth business day after the date the contract pertaining to a consumer transaction was signed or the goods or services were purchased.
Product: Credit card

XXXX 2015 a {$450.00} item showed up from a check written on my credit card. 
There was an additional fee for the check of {$22.00} I did not use a check and reported the activity to Citi Card after receiving our statement. The check was never authorized by me and I disputed the charge and the fees. The representative from Citi told me not to worry and the charge would be removed. I also at this time requested they not send me blank checks to my unsecured mailbox. 
On my XX/XX/XXXX statement the charge was never removed, and I am still getting blank checks in my mailbox. Made a second call and spoke to a representative at Citi and they informed me that they would take care of it including not sending blank checks. This time I started monitoring the online account activity. There was no change on my account. 
I called a XXXX time and requested specifically they send me formal dispute paperwork. At this time the representative at Citi asked if I wanted to list my Husband on the account as we just got married. I said sure. I also re-iterated that I am still getting blank checks in my mail which is how this type of fraud starts. The representative said they would get the checks to stop. 
After not receiving the dispute form I called a fourth time. This time I was able to coax them to actually sending the paperwork to me. The fraudulent copy of the check was in the dispute form and was clearly not something I signed and authorized. Further, it is not legible enough to even determine what financial institution accepted this fraudulent check. 
I filed the dispute paperwork on XX/XX/XXXX. 
On XXXX XXXX I received a statement from Citi stating they need my husbands signature to process the dispute. I find this insulting since he was not on the account and still does not have any credit scoring information assigned to this account. 
The check and check fees are still assessed against my credit card account. 
At this time I feel that there is no good faith on Citi 's end and have been dealing with the issue for three months. This is not acceptable behavior for a financial institution of this size and contradicts their fraud policy advertised on Television and other media sources. 
My Citi Diamond Preferred Card Information : XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX : was XXXX XXXX during the fraud activity. 
Account ending in XXXX My personal contact information is : XXXX XXXXXXXXXXXX I recently received a
Product: Debt collection

XXXX XXXX XXXX in XXXX XXXX, TX. failed to render aid in a housing crisis of backup sewage and water leaking all over the floors. I gave notice of needing help, and they told me to leave my rental keys in the mailbox and leave. They sent me a bill when I asked for my deposit in return after getting my children to a safe new location, they stated I owed over XXXX in fees for cleaning and damages, when in fact I do not, and the only damage was their water and sewer leaks. Today XX/XX/XXXX I  received a letter from a collection agency XXXX XXXX XXXX XXXXstating I owe this money when in fact we argued with XXXX XXXX XXXX in XXXX XXXX TX. per email and no response was ever given after contact XX/XX/XXXX, I do not owe this money and my deposit was never returned to me, the landlord has failed to reply and underhand turned over no legitimate debt illegally to a collection agency.
Product: Student loan

The DOE discharged all my loans, they sent a letter say I owned nothing. The servicing company Aidvantage is still reporting my information wrong, even though I have received a letter from them saying my balance is XXXX. i will like to sue them for wrong credit reporting. I have spoken with the 3 credit bureaus, and they said aidvantge says I still owe I have a copy of the documents from the DOE and aidvantage proving my balance is XXXX. I have spent hours talking to them and trying to get this resolved.
Product: Checking or savings account

The company is Chase Bank. 
On XX/XX/XXXX Chase Bank did a Claim Reversal : to XXXX Claim : XXXX XXXX on four transaction {$1900.00}, {$1000.00}, {$820.00}, {$100.00}. For these transactions, XXXX said that they didn't have that money and the bank said they didn't have. The bank closed my checking account without any explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is furnishing inaccurate information on your Consumer Report. I want it deleted off the report within 14 days. 

1. XXXX XXXX XXXX was originally on the report as XXXX XXXX XXXX balance {$220.00}. after calling XXXX XXXX XXXX billing department, they couldnt find any account that ever been in my name as for XXXX XXXX XXXX I was an able to find out any information or what company this. I have tried several attempts to call around finally no resolution. Department of education.XXXX a student loan is reporting twice on the report. A. {$4200.00}. B. {$2300.00}. Which shows I have three closed accounts that is in accurate for seven months calling around, trying to come for some resolution with no luck still.