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

On XX/XX/XXXX, my wife used the XXXX app to look up people who needed dog sitting services. She found someone looking for a dog sitter for $ XXXX. Since I don't have the XXXX app, she gave me the person 's number and I reached out to them. The person said they were moving to our area in a couple weeks for work and would need me to watch their dog XXXX days a week. Their company would cover the dog sitting fee. I agreed. The person said that they would also need me to pick up pet supplies in bulk prior to their arrival. They said they would include the total cost in the first check. On XX/XX/year>, I received a check in the mail for {$3700.00} to account for the pet supplies, XXXX XXXXXXXX fee, and a {$100.00} shopping convenience fee. I deposited the check on the same day. Once the balance showed up in my checking account, the person texted me saying that they found another purchaser that can get the supplies at a discount and asked me to wire the funds to this person, minus the {$250.00} weekly fee, {$100.00} shopping fee, and {$210.00} for a pet vacuum that they still wanted me to get. I did not buy any of the items they requested. Using the Chase app on XX/XX/year>, I wired {$3200.00} to the contact that they gave me. On XX/XX/year>, they asked me to send {$500.00} more since they wanted to buy more items. I immediately became suspicious because they were now asking me to use XXXX and they gave me a different contact name. On XX/XX/year>, I reported the incident at my local Chase branch but they said they could probably not recover my funds lost. I am worried that when the check inevitably bounces that I will lose my account. I am also worried that I can not recover the funds that I wired.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax just announced a leak of personal information. Upon checking on their website https : //www.equifaxsecurity2017.com/XXXX, Equifax stated that I may have been impacted in this incident. I am worried that my identity will be stolen, & my quality of life ( of hopefully 60+ years ) will worsen and become intolerable as a result.
Product: Checking or savings account

A company has gone into my checking account XX/XX/XXXX and again in XX/XX/XXXX and stolen {$5300.00} both times. 
Both times Suntrust has not returned my money. 
Both times, Suntrust has some excuse because the company ripping people off will not return the funds. They will not return my money because they are not recouping it from this scam company. Suntrust never called me to verify these {$5300.00} charges but they said that they did. They NEVER called me. They let a company take {$10000.00} out in 2 payments almost 2 years apart from each other. This company didn't have my home address correct, they never had a copy of my license or any sort of utility bill. They never talked to me on the phone. I asked Suntrust to do a XXXX way call but they will not. Plus the merchant will not ever email me, call me or text me. Suntrust needs to return my funds. When I call Suntrust their team was extremely rude to me. XXXX XXXX, XXXX XXXX and XXXX XXXX were all completely rude and blamed me and refused to help. XXXX made threats to me because I emailed an employee on XXXX and he said that I should not have reached out to her outside of her work. I said well nobody would give me her work email, so I reached out on XXXX. He made some awful threats and nothing has happened to him. He still works there. XXXX XXXX got on the phone after I complained to the President of the bank. He said he was going to help me but he didn't even know anyone in the fraud dept. He was a complete XXXX to us and I have all of these people on speaker phone with some of my employees listening. Terrible people. Please return my money ASAP. They know my son has medical needs and I also have 5 financial products with Suntrust and deposit over 500k a year in these accounts and they are treating me like I am the thief. They are wrong and have no proof. They just do not want to refund me because the merchant will not refund them but they should have NEVER given my money away. Terrible.
Product: Credit card or prepaid card

This the letter I sent to AMEX on XX/XX/XXXX by certified mail and received no reply. Sent again electronically and they said they had no record I ever had any points and decline to help in any way. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXX AMEX Card # XXXX XX/XX/XXXX American Express XXXX. XXXX XXXX XXXX XXXX, TX XXXX Dear Madam / Sir : I am writing to request that my AMEX membership points balance ( XXXX as of XX/XX/XXXX see page ( 6 ) enclosed ) be reinstated. I just noticed upon logging in to my account today that my Amex card housing the points # XXXX had been cancelled. I spoke with a customer service supervisor today ( XXXX ) about reinstating my points and he said he had no record that I had any points and, if I did, they would now be forfeited. 
I have been a cardholder since XXXX and have been using the card referenced to house my points from my previous employer corporate cards since XX/XX/XXXX see page ( 1 ) B enclosed. On that day I spoke to an agent about how to keep my XXXX corporate card points XXXX after I separated from XXXX. I had 2 points on my personal card previously ( see page ( 1 ) A enclosed ). See page 2 enclosed stating my points balance of XXXX from XX/XX/XXXX. The agent recommended that I transfer my Corp points to my personal card ( referenced ) and that they would be maintained there, indefinitely, without need to pay a fee or make any purchases. That promise held true for almost 5 years until now. Page ( 3 ) enclosed  shows that this points balance was maintained through XX/XX/XXXX. 
I did receive an email ( see page ( 4 ) from you XX/XX/XXXX XXXX : account closure but I didnt open as it looked like many of the regular emails I receive and I was in the midst of a job transition from XXXX and XXXX at that time. I would have expected a courtesy phone call at least given the XXXX point balance and being a customer since XXXX. 
Note that I spoke to a customer service agent on XX/XX/XXXX ( after the closure email date see page ( 5 ) enclosed ) about transferring points from my XXXX and XXXX corporate card to my personal card to preserve them as I had done before based on your prior recommendation. The agent transferred XXXX points to my personal card resulting in the XXXX points balance shown on my XX/XX/XXXX balance ( see page 6 ). The agent did not mention anything about my personal account was going to be closed soon else I would have immediately taken action to prevent to keep my points. 
I am open to your suggestions re : to how to get my points reinstated. Be it re-opening my personal card account or something else. 
Thanks XXXX XXXX
Product: Debt collection

I recently discovered an account from XXXX XXXX XXXX on my credit report, which is associated with Klarna XXXX for a balance of {$1600.00}. This account is fraudulent, as I never opened or authorized any account with Klarna. The account was allegedly opened on XX/XX/XXXX, and marked as past due in XX/XX/XXXX. However, I have no knowledge of this account, nor did I make any transactions related to it. 

This is a clear case of identity theft, and I am requesting the immediate removal of this account from my credit report under the Fair Credit Reporting Act ( FCRA ) 1681c-2, which requires the deletion of fraudulent accounts upon notice from the victim. 

Actions Taken : I am formally disputing this account with all three credit bureaus ( XXXX, XXXX, and XXXX ) and requesting that it be removed. 
I am requesting XXXX XXXX XXXX to cease collection efforts and delete the account immediately. 
I am providing an identity theft report to support my claim. 
This fraudulent account is damaging my credit and preventing me from obtaining financial opportunities. I expect an immediate investigation and permanent removal of this account from my report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting that COVID-era slow/late payments be removed/updated from credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM FURIOUS WITH THE XXXX XXXX XXXXXXXX XXXX AND Bank of America! I HAVE BEEN TRYING TO RESOLVE MY ID THEFTI SSUE FOR THE PAST FEW MONTHS AND THEY ARE REFUSING TO HELP ME. I HAVE TRIED REACHING SEVERAL DIFFERENT DEPARTMENTS DIFFERENT SUPERVISORS AND MANAGERS, NO ONE KNOWS WHAT THEY ARE DOING, NO ONE IS HELPING OR GIVING ME ANY RESOLUTION. THEY REFUSE TO GIVE ME VIABLE EVIDENCE PURSUANT TO SECTION XXXX XXXX IN THE FAIR CREDIT REPORT ACT. I AM TIRED OF GOING BACK AND FORTH AND NOT GETTING ANY RESOLUTION. TELLING ME ADDRESS NAME SOCIAL AND BIRTHDAY MATCHES IS NOT VIABLE EVIDENCE, OBVIOUSLY IT MATCHES THATS WHY I AM A VICTIM OF IDENTITY THEFT. THEY HAVE NO SIGNATURES FROM ME GIVING APPROVAL OF THE OPENING OF THESE ACCOUNTS. I NEED YOUR HELP CFPB IN HELPING ME RESOLVE THIS ISSUE, I AM SICK AND TIRED OF DEALING WITH THESE COMPANIES WHO ARE ROBBING ME FROM MY PEACE. ITS BEEN TOOOO MANY MONTHS ALREADY. OH AND I WILL ALSO ADD THAT XXXX   REFUSES TO BLOCK ANY INFORMATION THAT IS REPORTED AS FRAUD PER WHAT THEIR SUPERVISOR SAID, SHE SAID THAT WE DO NOT FOLLOW FEDERAL LAW, WE HAVE OUR OWN RULES AND PROCEDURES, WE WILL INVESTIGATE FOR 30 DAYS. THEY DO NOT COMPLY TO THE RULES OF SECTION XXXX IN THE FCRA. AND SHE CLEARLY STATED XXXX  DOES NOT COMPLY WITH FEDERAL LAW, THEY FOLLOW THEIR OWN RULES AND REGULATIONS.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an FTC report XXXX XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has continued to violate the FCRA on numerous occassions by knowingly entering harmful information that intentionally harmed my credit file! I was reported on multiple credit reporting agencies by them as a monthly CHARGE OFF with a OUTSTANDING BALANCE from XX/XX/XXXX until XX/XX/XXXX! 
XXXX XXXX XXXX SOLD my CHARGE OFF account to the XXXX XXXX XXXX to COLLECT the Outstanding Balance who also placed a COLLECTION ACCOUNT on multiple credit reporting agencies during the same exact time to cause me harm and put pressure on me! On XX/XX/XXXX, I settled my collection with XXXX for {$270.00} and ( SETTLED IN FULL AND IMMEDIATELY DELETED )! XXXX, XXXX XXXX has written off {$280.00} and placed ( Settled for LESS THAN FULL Balance )!
Product: Credit card or prepaid card

XX/XX/2020 {$12000.00} I contacted PNC Bank numerous times of the identity theft made on my account and even supplied affidavits along with the FTC reports and they still will not remove them from my credit reports
Product: Vehicle loan or lease

There was no box for exactly what TD Auto Finance is doing. This is for Vehicle : 2021 XXXX XXXX XXXX, Account # : XXXX. 

I signed up to use AutoPay for my new car loan and then wanted to verify that the the initial loan amount was what was on my contract and could not see that information in their online system, nor could I view statements. I messaged them online and they kept saying they were attaching documents but they did not, so I would message and request again and finally 2 calls back but the rep did not identify who she worked for ( XXXX XXXX ( SP? ) XXXX or what options to push when I called back - there was no option to connect to her extension on the number she gave me to call back to. 

Finally when I messaged back and said I was filing a complaint a supervisor called and said in order to be able to view/see my account detail online I could not be enrolled in Autopay, so she removed me and then informed me that I would have to manually make payments if I want to see my account detail online at any given time. 

Trying to view statements after the supervisor removed me from ebilling I am greeted with this message - so I still can not see my statements : eBILL STATEMENTS SUMMARY ACCOUNT : XXXX Congratulations! You are eligible to enroll in TDAF 's eBill program. Please click " Sign up for eBill '' below to continue. 

Feel free to contact us if you have any questions about the status of your account. 

I should not have to go back to having to send payments in via the troubled USPS just because their system is not set up to allow a customer at any given time to see their loan information. This HAS to be in violation of some consumer finance policy!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

Equifax, Please unlock my account so I can lock in, freeze, and unfreeze my account, as well as get credit reports. 

I have called numerous times, and no one can resolve my issue. 

Attached to this complaint are : drivers license social security card address complaint screen shot of whats happening Fix this immediately.
Product: Credit card or prepaid card

The details of my AMEX gift card no. XXXX XXXX XXXX and no. XXXX XXXX XXXX were stolen on XX/XX/2020. I have known these when I checked the balance with AMEX on XX/XX/2020. The AMEX representative who received my phone call on that date told me that there were transactions made on XX/XX/2020 ( the same day I reported the unauthorized transactions ). I immediately requested AMEX for the deactivation of these cards which the representative did and replacement cards were processed and issued. I also alerted the merchant, XXXX XXXX, on the same day ( XX/XX/2020 ) of the unauthorized transactions and the agent on the phone told me that they will cancel the said transactions. I informed AMEX on the same day, what the merchant told me and the AMEX agent told me that it will take 7-10 business days ( by XX/XX/2020 ) to process all these. 

I called the merchant, XXXX XXXX on XX/XX/2020 to follow-up. The agent told me that they have already canceled the unauthorized transactions and gave me the authorization numbers for the said cancellation as shown in Attachment 1 hereof. They told me to call back AMEX to follow up. 

I called AMEX on XX/XX/2020 to follow-up my refund. They told me that they can not process the refund because the cards were already charged on XX/XX/XXXX and XXXX, 2020. This despite their action on deactivating the cards on XX/XX/2020. This is the reason why I am filing this complaint. I believe AMEX should fix my refund because they allowed the charges despite the deactivation alert right from the very beginning, on XX/XX/2020 yet.
Product: Credit card or prepaid card

I applied for and got a credit card to repair my credit after I made the first payment I requested a payment date for which would work for me and I wouldn't have the problem I have now on my first request they said they would change the date of payment to be received because my ssa check wouldn't be available till then nothing happened and they started raising my interest and late charges so I called them again and and again it took about four month to finally get the date changed by now evary payment I have been paying all went to interest and late charges.i just could not get down to my regular payment now instead of helping my credit I lost almost 100 points because of this I just can't seem to get caught up with them because of their lack of costumer support .and now I am thinking about bankruptcy .this might be my only option.my credit score is so low now I can't see it getting back up there. this was a bad choise getting this card but I did it to raise my credit score not lower it .Thank you
Product: Student loan

In XX/XX/2016 I signed up with company called XXXX who stated I was eligible for Student Loan Forgiveness through a program and after 10 years debt would be erased and lesser monthly payment that was owned by XXXX ( now XXXX ). XXXX did documents and payment came back at XXXX as loans were bought by Dept of Education. I was told that I would have to recertify each year and once I did recently I was denied this program as they misrepresented my income as being single last year which I was not. When I recertified I used mine and spouses income and was denied while XXXX informed me my income went up significantly which is not accurate. What is also very bothering is I was informed by XXXX that they have numerous complaints with XXXX and that I should consider filing complaint as I continue to be charged XXXX a month automatic withdrawal for them doing paperwork which was not represented accurately. The automatic payment is taken by a company that evidentally represents XXXX account and it is called Special Financing Company LLC. I have called this company and had my account noted and I also contacted my back and placed a stop order on this monthly withdrawal. 
I would appreciate any help you can provide with this. I also believe I am entitled to 11 months of payment X XXXX be refunded for their inaccurate representation of a plan I am not even qualifed for. 
Very frustrating considering I have made over 20 years of on time payments for student loan and yet I am no further along. I am pretty sure I have paid these off and then some. 
Any support you could provide against my complaint regarding XXXX would be appreciated. Total paid to date is {$1000.00}
Product: Debt collection

Radius Global Solution has reported an alleged debt in the amount of XXXX} to the consumer reporting agencies. I have not entered into a contractual agreement with this company and there was never an initial communication between us. Radius Global Solution obtained and furnished my personal information without my direct consent which constitutes identity theft and a violation of my individual privacy rights as a consumer pursuant to 15 USC 1692.The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). I am disputing the validity of this alleged debt pursuant to 15 USC 1692g. I have sent a debt validation letter to Radius Global Solution on XX/XX/2021 and I await a response.