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

The bank has took no responsibility for allowing the XXXXXXXX XXXX fraud. They say its a 3rd part app so they have no control over it or cash back when you are scammed out of the money using the XXXXXXXX XXXX THEY provide in the XXXX application. What happened is I have a dresser and dinner table on sale at XXXX messenger, XXXX and XXXX. I got a text from XXXX. This person wanted to pay with a cashiers check instead for the items as well as to pay for the delivery through this cashiers check. I was mailed the check and deposited it on XX/XX/2021. The funds from the check were available on Saturday. The person who sent me the check text me asking to confirm if the check had deposited so I confirmed. This person ask me to pay the movers to pick up this furniture via the XXXX application. I have never used this before but saw it was available in my banking application ( Santander ) so figured it would be safe. I sent over {$750.00} to XXXX account email the scammer gave me, XXXX ( XXXX a is the name the scammer gave me for the email address of the XXXX account ) on XX/XX/2021. This scammer told me the total moving fee was {$1100.00} and since the max limit sent via XXXX is {$750.00}, he asked me to use XXXXXXXX XXXX and send {$430.00} to XXXX XXXX username, # XXXX ( XXXX XXXX is the name that comes up after searching that username ). The transfer would not go through as it was refunded for my protection. I thought this may because I had already sent {$750.00} and my bank was being protective. The scammer then suggested to send the remaining {$430.00} through XXXX on Monday, XX/XX/2021. I sent the money to the same XXXX account, XXXX, on XX/XX/2021. Then on XX/XX/2021 the cashiers check of {$1700.00}, the scammer sent me got sent back to my account as Return deposited item altered/fictitious item and left me $ XXXX in my bank account.
Product: Credit reporting or other personal consumer reports

My credit report indicates an inquiry from Ally Financial on XXXX. I did not authorize this nor did I fill out an application.
Product: Credit reporting or other personal consumer reports

In pursuant to 15 USC 1666b-Timing of payments A creditor may not treat a payment on a credit card account on an open end consumer credit plan late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I the Original creditor have requested proof of these statements that were mailed and neither of the Reporting agencies nor creditors could provide me with this required information to constitute a late payment. 15 USC 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies- under the EXCLUSIONS section exclusions from a consumer credit report clearly states the term Consumer Report does not include reports containing information solely as a transaction ( s ) or experiences between the consumer natural person and person making the report. The following companies are in direct violation with 15 USC 1666b and 15 USC 1681 please remove all late payments showing on the following accounts and mark them as Paid In Full : XXXX XXXX XXXX XXXX ( XXXX ) showing 35 Missed Payments, XXXX XXXX XXXX XXXX XXXX showing 62 Missed Payments, Dept. Of Ed ( XXXX ), ( XXXX, XXXX, XXXX, XXXX ) showing 33 Missed Payments, XXXX XXXX XXXX ( XXXX ) showing 8 Missed Payments, XXXX XXXX XXXX XXXX XXXX XXXX ) showing 1 Missed Payment, XXXX XXXX XXXX XXXX XXXX XXXX  showing 21 Missed Payments ) and XXXX XXXX XXXX XXXX XXXX XXXX showing 3 Missed Payments.
Product: Money transfer, virtual currency, or money service

In XXXX  of 2020 someone took an unauthorized transaction of {$1000.00} from my bank account through Cashapp. They were requesting money from people on my cash app When I tried to reach out to them to stop it, they emailed back saying they didn't have a direct number for cash app support and I could request a callback from a support team. I explained that someone had hacked my account and took money. They never got back to me regarding the claim. Instead of resolving the issue they closed my account
Product: Checking or savings account

I called Bank of America to report some fraudulent charges and they opened claims and credited my account for the missing/misused funds. After about a month or so, they did chargebacks and took those funds back out of my account causing a negative balance on my account. I called and spoke to a rep and reopened those claims because although I know someone accessed my cards without my knowledge, I didn't know who it was. I explained to the rep that I had family members who were displaced due to COVID19 and unknowingly to me, those family members allowed their friends to come freely in and out of my home. Those family members have since been made to leave, but someone still accessed at least 2 of my debit cards, and I have no idea who it was. I just know they used my cards without my permission and I contacted my bank to handle the problem. Instead of my bank handling the problem, they closed my account and revoked my access to it. I have been a customer since 2011 and this is how I'm treated. I have never had any issues like this in all my years of doing business with Bank of America, but they closed my account and blocked my access.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX And XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( XXXX ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX and XXXX, XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXXXXXX 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: Debt collection

I have sent certified mail, emails, and called this cedars company several times and they have never responded to me in any way. They can't explain this imaginary debt that they are claiming I owe. 

I had an account on XXXX but sold all of my positions years ago for a loss. I certainly didn't owe XXXX any money. I used all my own money and you can't sell without paying the associated fees, so I have no idea what this is, and Cedars refuses to explain it. 

I'm XXXX XXXX XXXX and have never had an unpaid bill, let alone a collection. This infuriates me that no one can explain this and or remove it from my credit report. 

I don't know if this is XXXX XXXX or fraud but I'm certain that its dubious and should be illegal to negatively impact someone's great credit and then refuse to provide any details or answer their calls.
Product: Prepaid card

Use the cared for a stay at XXXX hotels on Wednesday XXXX XXXX 2016. This was a one nite stay of {$100.00}. During the stay a problem occured that prompted the hotel to refund the amount of the stay for that night. On the XXXX of XXXX I received a receipt showing I owed no money and my balance was zero. The hotel will verbally confirm this with a phone call.On the XXXX of XXXX when the credit did not appear on my card I called customer service for Amex XXXX and they informed me that the amount will not come back on my card for 30 days, even if the merchant releases it before the 30 day period expires. 
This is a prepaid card, not a credit card where the credit on the card is dependent upon what limit you have on the card is set by a lending institution. The card holder/ consumer sets the limit on what they want to spend. However Amex has decided that if this card is used at a hotel the card holder loses his money if it is refunded by the merchant. 
This action by Amex tells me that the merchant has more rights in the use of this card that the card holder. Also Amex must be mindful of the fact that they, Amex has a fiduciary responsibility to the card holder, the merchant does not. As of the date of this filing {$100.00} has not been refunded to me and according to XXXX customer service I will not get it back until XXXX XXXX. This is grossly unexceptionable. In addition Amex is giving the merchant more rights and consideration than me ; the cardholder. That is a clear violation of the XXXX. It appears the credit contract has and is built on terms of adhesion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$600.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

NEGATIVE ACCOUNTS : 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 XXXXXX/XX/XXXX These accounts were reported this year XXXX. I am not sure why it happened. These accounts have not been reported under my name since XXXX they were opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an inquiry from XXXX XXXX on Equifax report. I contacted Equifax and informed them that an inquiry was made without knowledge and authorization and I did not do it nor did I approve of it therefore it must be a fraudulent inquiry. They told me to contact XXXX and inform them about the matter. After contacting XXXX 's they told me there is nothing they can do if no account was opened. I then contacted Equifax back to have it removed but they refuse to remove it telling me it's a factual inquiry. I want this fraudulent unauthorised inquiry removed from my credit report.
Product: Checking or savings account

XXXX XXXX to PNC Branches visited in Colorado : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) Beginning XX/XX/2021, I have been unable to access both my business and personal accounts with PNC Bank after the transition from XXXX. I can not transfer any funds between the accounts. I have visited XXXX branches a total oXXXX XXXX  times. I have spent countless hours at the branches trying to identify the linking problem I was having. Come to find out, my daughter and I identified the trouble : My XXXX XXXX XXXX daughter has XXXX user ID 's and XXXX has access to my personal money market account, a joint account I have with my husband, my personal checking account, as well as several lines of credit and XXXX additional accounts. My daughter and I have XXXX joint account - PERIOD. She should not have access to my personal accounts ( checking, line of credit or money market accounts. This seems like a breach of my personal privacy. Multiple supervisors and escalations departments in personal banking, online banking, and business banking have been unable to fix this. I only have access to my money market account and a business account when I login with my personal user ID. My last conversation was over XXXX hour and XXXX minutes. No resolution. They will not send me to someone who can fix this XXXX  WEEKS LATER! What I have been told is that " they are working on it '' and " we will contact you '' and " these need to be linked ''. The bank branches have each told me that so many clients are experiencing this. That is a red flag and I am out of patience. This is a breach of my personal privacy. Who else is able to access my accounts other than my daughter? That is terribly scary. This PNC transition has been a flawed mess. This is unacceptable and has become a detriment to my business since I can not transfer funds between the different accounts. Given it is the yearend, I am very concerned that I can not make transfers and access my money in a timely manner. I am not willing to frequent the branches. They are unable to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed XXXX XXXX XXXX, DEPT OF ED/XXXX   which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 XXXX XXXX XXXX XXXX XXXX maintenance maliciously placed a {$5200.00} amount on my personal credit report with TransUnion. They have NO supporting documents or any evidence or me owing the 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Checking or savings account

Chime Account Verification Since this started on XX/XX/XXXX, I have lost my contract job because I had no gas to get there, kids were sick with XXXX  and had XXXX and XXXX temps but had no gas to take them to Urgent Care and no money for a co-pay, missed a funeral of a friend, my son has been missing school because no gas to take him, XXXX  XXXX  in the house, and no diapers for my XXXX day of the XXXX I ughter! They asked me for a copy of my driver 's license to be sent in and a utility bill. I sent in a copy of my driver 's license front and back copy of my retired military ID front back copy of my benefits letter from the VA for verification purposes of the deposit That was made direct deposit by the Department XXXXf Veterans Affairs, and I sent them a utility bill. I didn't hear anything on XXXX XXXX so I called back and they told me that it couldn't be an XXXX format for the pictures they need to be in JPEGs, so I modified the picture quickly and sent that in immediately and they verify they received the pictures and the PDFs once again and said in 24 hours my account should be unlocked. Then I called back in 24 hours when it wasn't unlocked and they gave me another runaround connected me to the supervisor on duty and said another 24 hours. Then another 24 hours went by I called back and I sent them documents yet again, I also emailed the review team and the support team because that's who I told was handling it and I sent in the documents once again on the next day so that would've been the first second third and fourth I sent the documents, and then again on the seventh. Every day since the XXXX of XXXX I keep getting told that the account will be unlocked in 24 hours than other times until 24 to 48 hours and every time it's been by a supervisor. I've spoken to supervisors 12 total times because the first few days I was trying to call they told me that " there was no supervisor that they could transfer them to. They couldn't transfer to a supervisor to help me. '' They said they couldn't do anything on their end that I had to go through the review with the support team and they're the only ones that can handle anything with my account and there is no way to physically talk to them only email to which I emailed them and never got any replies except my case were being forwarded and it would be handled and taken care of promptly. The only direct apposite that hit my account was from the United States government department of Veterans Affairs for my XXXX XXXX XXXX check. No other checks no other deposits have been made to that account ever. I had signed up for Chime approximately 3 1/2 weeks before all this happened and we're just waiting for my direct deposit to hit since I get paid monthly, and I already sent in verification documents when I opened the account. As of today they still have not unlocked my account or kept me updated like I was told on they were going to per the last call 48 hours ago with a supervisor.
Product: Debt collection

On XXXXI sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. 
My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.