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

I have used companies like Zelle before to send money to people, however back then, sending money on Zelle didnt necessarily give you a guarantee you were sending to the right person. Ive had a ton of instances where Id be at a diner table sending my split of the bill with Zelle, and the recipient had never got it. A small reimbursement of some sort would really help considering Ive used Zelle a considerable amount to send money. Ive also had a similar problem with XXXX. Unlike services like XXXX, getting scammed on XXXX has no way of retrieving money. There have been multiple instances I have either been scammed and send money to the wrong person and had no way of getting money back.
Product: Credit card or prepaid card

I had contacted Citi regarding my Home Depot card 's allocation of my payments being applied incorrectly. Prior to making the payments ( payment info : {$580.00} on XX/XX/XXXX and {$110.00} on XX/XX/XXXX ) I updated preferences to allocate excess payments to pay a promotional ( 0 percent interest ) balance that was coming due in XX/XX/XXXX. The company did not apply it as requested. This misapplication will cause me to pay interest in XXXX if not resolved, causing consumer harm. I attempted to resolve this thrice with online customer service agents, indicating the payment is not being allocated appropriately. I received generic responses that did not address the problem at hand. I requested an investigation be conducted, as I am disputed the allocation of payments, which should be covered under either Reg E or Reg Z as incorrect transactions.
Product: Credit reporting or other personal consumer reports

I am submitting this statement to report fraudulent accounts and unauthorized credit inquiries on my credit report, which were the result of my personal information being compromised in a data breach. I did not open or authorize the following accounts and inquiries, and I am requesting their immediate removal from my credit report. 


Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX This account was not opened by me and is a result of identity theft. 
XXXX XXXX XXXX Opened on XX/XX/XXXX This account was fraudulently opened without my knowledge or consent. 
XXXX XXXX Opened on XX/XX/XXXX I did not authorize or open this account. It is a fraudulent account created as a result of identity theft. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I did not authorize any credit inquiry from this institution, nor did I apply for any financial product or service. 
XXXX XXXX XXXX Inquiry on XX/XX/XXXX I have no connection with XXXX XXXX XXXX and did not authorize this inquiry. 
XXXX Inquiries on XX/XX/XXXX and XX/XX/XXXX These inquiries were made without my consent. I did not initiate any transactions or applications with XXXX. 
XXXX XXXX XXXX XXXX on XX/XX/XXXX I did not apply for any credit services from XXXX XXXX XXXX. This is an unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

Request to Block Fraudulent Information Due to Identity Theft Under the FCRA I am writing to formally inform you that I have fallen victim to identity theft, resulting in the presence of inaccurate or fraudulent information on my credit report. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I request that this information be blocked from my credit file immediately.

The FCRA requires credit reporting agencies to block information identified as resulting from identity theft within four business days of receiving the following : 1. A valid identity theft report ; 2. Identification of the fraudulent information on the credit report ; 3. A statement from the consumer confirming that this information does not pertain to any transaction they authorized.

I trust you will act swiftly in accordance with FCRA Section 605B to block this information from my credit report. Please provide written confirmation once this action has been completed. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was notified by Experian that a bankruptcy on my credit report was verified/certified by the company that reported the information to Experian from a dispute I submitted on XX/XX/XXXX asking for verification and accuracy of this bankruptcy. Upon my on investigation, I reached out to Iowa Courts and was informed that they not furnish, verify or report to the CRA 's. I then reached out to XXXX the source that furnishes bankruptcies to the CRA 's and was told that I do not have a bankruptcy in the database nor on my credit file. I also have a freeze on my XXXX file dating back to XX/XX/XXXX. So Experian falsely verified this unverifiable bankruptcy. Also, XXXX and XXXX  do not show a bankruptcy on my credit do to fact that XXXX unable to verify a bankruptcy in there database. See all attached proof.
Product: Credit card or prepaid card

I have a bank of America credit card ending XXXX which was charge off on XX/XX/2018 but the bank did not followed 180 days federal regulation for revolving credits to be charged off on my account. In their statements and transaction list shows thats I have made a payment within that time 180 day period and the bank did charged off may account with out notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 noticed a drop in credit score on TransUnion. Found out a lender had reported a missed payment. Called lender ( XXXX ) and found that someone had used my name and social security number to get a loan on car tires. The loan was for ~ {$1600.00}. They didn't pay back the loan and then it was reported to TransUnion XX/XX/2023 XXXX agreed that the loan was faudulent and said they would contact Transunion Dispute and Fraud alert added to Transunion XX/XX/2023 Transunion credit score continues to drop, with fraud loan now further in default. 
XX/XX/2023 - still not resulved. Opened another dispute. 
XX/XX/2023 - chatted with TransUnion and tried calling 3x - hung up on each time XX/XX/2023- left a XXXX comment, chatted with rep. Was more helpful, but it seems that although XXXX says they responded to Transunion, TU did not have a record of that. There is a XX/XX/XXXX deadline for info from XXXX
Product: Checking or savings account

As of XX/XX/XXXX bank of america has not yet paid the claims i have filed in XXXX there was XXXX claims i had filled and they where all changed and bank of america is saying they are paying the claims and then they are writing them off this is not right my money was put in to the bank of america XXXX XXXX and i received the first check that was {$330.00} and that was it after that check all the deposits put in my account was stolen i received paper work from bank of america and there where XXXX cards being used at the same time bank of america said that cant happen well i have the statements from bank of america and it shows them all being used at the same time the whole year of XXXX and i contacted unemployment last week and i was told that unempolment put {$57.00} XXXX dollars in my account bank of america said no it was only {$3200.00} XXXX so there is another {$27.00} XXXX dollars missing so i contacted bank of america and they are just telling me that all my claims are pending well these claims have been done sense XXXX this is not fair that they can do this they have been in court and they are to pay these claims and they are not doing it they are saying they are paid and they are not and then they paid XXXX claim XX/XX/XXXX for {$75.00} XXXX and there was only {$25.00} XXXX put in the account and i called them and let them know but they are not correcting the money that was put in the account i have talked to supervisor after supervisor and nothing is getting done
Product: Debt collection

On XXXX/XXXX/2013, XXXX ( at XXXX XXXX ) in XXXX XXXX, Indiana told me that my upcoming XXXX would cost me ( out of my pocket ) {$25.00} deductible and either {$12.00} or {$26.00} extra based on whether it was an easy XXXX or a difficult one. XXXX said that " the rest will be written off because of our contract with XXXX XXXX. '' They XXXX out on XXXX/XXXX/13. Afterwards, despite having what I was told was an easy XXXX, I was told that I owed the higher {$51.00} amount. Fine. So I paid it off before leaving the office that same day. Then, in XXXX, I get a bill from XXXX XXXX corporate office for another {$60.00}, still owed for my procedure!!!! I called XXXX at the XXXX XXXX office where I had my procedure done, and explained that I paid the bill in full ... ... .The {$51.00} that I was told was my share of the complete bill. She left the phone, and came back shortly. XXXX exact words to me when she returned to the phone was " Yes, you are correct. The total charge should have only been {$51.00}! '' which I had already paid! So I also called " XXXX '', back from the corporate office, and informed him what XXXX said. Next thing I know, I 'm getting another {$60.00} bill in XXXX 2013 from a DEBT COLLECTION company! So I called " XXXX '' from this IC SYSTEM debt collection company, and explained this entire scenario to her. I emphasized that XXXX, from XXXX, told me TWICE on 2 different occasions that my total bill of {$51.00} was paid up, and I owed nothing further!!! What kind of company is this " XXXX XXXX??? '' Now it 's affecting my CREDIT SCORE!! iT 'S GONE FROM XXXX DOWN TO XXXX! That 's not fair!! Please get back to me ASAP. I 'm considering calling the BBB. XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX aka Monterey Financial, provided an online " Lease '', yet structured as a Loan. 

The initial purchase was {$1200.00}. To buyout the lease/loan early, the amount exceeded {$3400.00}. 

In XX/XX/2020, upon receipt of loan/lease documents, the window for a reduced early buyout of the loan had less than 12 hours to be executed. 

The following business day, I reached out and inquired about a payoff amount, in which the adviser gave me with no reduced amount, simply the monthly payment x duration of loan. They explain, " Because this is a lease, they have the right to additional fees. '' To the tune of {$2200.00} on top of the original {$1200.00}?! 

When I asked how this could be so high, it was relayed that " Details were provided in the information packet I digitally signed. You were made aware of our fees and were provided ample time for a buy out. '' Their provided time limit offered no time to gather the funds and pay the loan off early before the pay in full amount set in. I only used this service to help with building stronger credit lines. This mixed with Covid, has become a huge burden on our family. Had I known the dirty details, I would have used my credit card to purchase the products. 11 % is a darn sight better than their 200 % interest rate. 

In order to keep in good standing, I've continued to pay on time. But, this is simply wrong of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenitycapital has inaccurate reporting on my credit report - payment history reporting charges off every month or the credit reports- Balance not at zero still showing a balance of XXXX ( attachment filed in this complaint ) - Have reached out to the company that the account was opened without my knowledge while I was overseas in the combat zone According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still not reported 100 % Accurate. 

And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

List the Accounts Comenitycapital
Product: Money transfer, virtual currency, or money service

I mistakenly sent money to the wrong person through Zelle, and when I reached out for assistance, they informed me that they couldnt reverse or refund the transaction. Despite explaining the error and providing all necessary details, Zelle maintained that transactions are irreversible once confirmed since they process instantly. They told me to contact the recipient directly to request the return of my funds, but when I tried, the recipient was unresponsive. It was a frustrating experience where I had lost my hard earned money.
Product: Debt collection

On XX/XX/18 I called XXXX XXXX XXXX XXXX XXXX XXXX   at XXXX XXXX XXXX concerning a previous medical debt. I had not received ANY statements from XXXX  and wanted to know what the status was. I spoke to XXXX, Supervisor and asked about the debt. She said I owed money. I told her I never received statement and wanted verification of the debt. She replied that since I called that showed I was aware of the debt. She said I needed to pay in full and if I didn't they would report me. I told her that I hadn't heard from them in months and now I have to pay in full for a debt I'm not fully aware of? Our conversation became heated. I said that I would pay the debt in full right now. XXXX refused to accept payment. I had to call later that day. I spoke to XXXX. She accepted payment in full for {$99.00}. I received a letter from XXXX noting the recent payment but for the wrong amount. The amount I paid is {$99.00}. The letter reads {$40.00}. This account has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reported my balance on XX/XX/XXXX to XXXX and Experian as {$1400.00} when that is incorrect. The company acknowledged that they sold my debt. The debt company sent me a letter offering me a settlement of {$980.00} as paid in full. I paid the settlement amount of {$980.00} upon receipt of the letter. They wont update my balance to XXXX  although I have shown documentation of the settlement letter. There is also a recorded call with XXXX XXXX of their representative showing the account was settled and paid in full. XXXX XXXX  keeps adding comments to drop my score when Ive paid this debt in full.
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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I hav
e 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: Mortgage

I am absolutely disgusted with the handling of a loan application by XXXX XXXX. Yesterday I was mislead by a loan XXXX who told me I had a mortgage in my name in Texas, which prompted HUGE concern considering I've never owned property in Texas and I only have XXXX mortgage in my name. XXXX, I believe was his name, told me " Well, at least they're paying on time ''. This caused a frantic leave from my work to get to the bottom of why there were XXXX mortgages in my name. After calling my credit monitoring company, the credit company XXXX pulled ( XXXX ), my current mortgage company, and cross referencing all three credit bureaus. It turned out to be a " missread '' on my credit report so I called back to correct their mistake and XXXX proceeded to double-down that he was certain I currently had XXXX mortgages on my credit report, my current in Arizona and XXXX in Texas. I escalated the issue to a customer complaint representative ( XXXX XXXX ) who, today, put me with an equally incompetent loan XXXX who couldn't understand my frustration with yesterday and completely disrespected the fact I had hearing loss and was offended by the tone I speak, without the help of my aid. I reached back out to XXXX XXXX the " client advocate '' who has refused several times on the phone call today to escalate the issue. He claims it stops at him. This is a direct violation of several laws. I want all calls pulled from yesterday XX/XX/year> and today XX/XX/year> reviewed, reviewed, my issue escalated and a call from a XXXX who has reviewed said calls and has a solution.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018, 60 days late in XX/XX/2018, and 90 days late in XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit card

USAA. HAD IDENTY THEFT since XXXX. Went over fraudulent charges yet the refused to credit account. XX/XX/year> XXXX. Filed police report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are reporting inaccurate information on my credit report. This account was in litigation due to deception and predatory lending practices. On XX/XX/2022 XXXX XXXX XXXX notified the Court to DISMISS this case XXXXaccount XXXX. On XX/XX/2022 Judge ordered XXXX XXXX XXXX to remove this account from my credit reports. XXXX XXXX XXXX states they will remove this account upon receipt of this letter they already received. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, is reporting inaccurate information on my credit report which 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 an account without my written instructions.

This collection account also violated my FDCPA and FCRA Rights under 1681i ( a ) e ( b ). In accordance with the Fair Credit Reporting Act requires only accurate information be reported. A collection agency can no longer report you owe money when a court of law says otherwise.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I called EXPERIAN XXXX  times today... I have received no help I can not see my credit score since XX/XX/XXXX! I contact member services they transfer me all over the place to fraud department I was racially profiled by a representative name XXXX I asked him XXXX times for a supervisor and he ignored me. Experian is not following the credit laws and needs to be investigated I can't get my score online nor mail no one wants to help I'm a fraud victim and I can't properly dispute my problems or know what's going on! I certified mailed a proof of address letter for them to update and fix my account XXXX person said XXXX days XXXX said XXXX days no one is going there job this is very hard for me because I can't get to protect my self or my account!!!! Please help me get awareness to the fact that I am being ignored by this EXPERIAN and no consumer should ever go through this!!! I need them to get me my correct score and report and remove the fraudulent items off my credit report please
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the attached accounts, 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: Debt collection

PORTFOLIO RECOVERY at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of XXXX & XXXX the collections have been reported as past due balance. I do not know this company. I have never done any business with this company. I have sent several debt validation letters to this company and requested a contract with my wet signature on it to be sent to me to me and they have failed to do so every time.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Darte of Birth XXXX this Cfb complaint has been filed pursuant to to FCRA - 605 B ( 15 U.S. C - 1681 c-2 ) that you Trans Union credit reporting agency , block any information appearing in my consumer credit report that is a result of identity theft and fraud with in 4 business days if you receiving this complaint This Fraudulent, inaccurate and false information consist of a personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX XXXX in the private account XXXX, XXXX on XXXX XXXX, XXXX the private account XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX in the private account XXXX, XXXX XXXX  on XXXX XXXX, in the private account XXXX and a cell phone in the company XXXX on XXXX XXXX in the private account XXXX and an Auto Loan in XXXX XXXX XXXX on XXXX XXXX in the private account XXXXThese accounts have resulted in several hard inquiries and fraudulent collections appearing in my consumer FICo credit report. I do not recognize these accounts and they were not insisted by me. I have attached a copy of the FtC criminal report that List all these fraudulent accounts ftc XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to help remove the inquiries listed below and to request verifiable proof bearing my signature or electronic authorization. I never authorized these actions, which constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) 604. These inquiries were initiated without my consent or proof from the reporting companies, and thus, they are not factual. The FCRA mandates that credit bureaus remove such unauthorized inquiries.This unauthorized action is a violation of my rights under FCRA XXXX and my right to privacy. Please contact the companies responsible for these inquiries and remove them immediately for non-compliance. The FCRA requires that the XXXX and Equifax to follow up with the creditor. 
The following inquiries were not authorized for any permissible business purpose and should be revomed XXXX  OF XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX  UNI XX/XX/2023 XXXX XXXX XX/XX/2023 Also, please include in the removal this inaccurate address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX