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

I sent an offer to purchase a camera on the site " XXXX '' for a total of {$1400.00}. The seller said to send them a payment through a banking service called " Zelle '' ( this is the email linked to their zelle account : XXXX ). Because there is a {$1000.00} limit per 24hrs on Zelle , I sent {$420.00} to see if the amount deposits. The sender said the XXXX went through. So I sent the other {$1000.00}, but the {$1000.00} they claim did not go through. They created multiple fake bank screenshots saying they did not receive the money. They went out of their way to create fake shipping labels to buy time, and tried to get me to send another {$1000.00} to another account ( other fraudulent Zelle account : XXXX ), claiming the original {$1000.00} I sent was going to be returned to me through Zelle within 3 business days because their bank was limiting them {$500.00} deposits per 24hrs. After 3 days past, I got nothing. This communication started on XX/XX/2023 and currently is still on going. I called Zelle numerous times and they claim all funds sent out from me went through and that the account receiving the money is linked to a XXXXXXXX XXXX not XXXX XXXX XXXXXXXX as the screenshots showed. I have all the text messages, screenshots, and XXXX account info. I reverse looked up the seller 's email and it says the account was created in South Carolina, even though the seller is from Utah. The seller is not who they say they are and more than likely using someone elses account without their knowledge. Another user also said, the same thing occurred to them and that they were scammed {$1000.00} dollars and shown fake labels and receipts. My phone # XXXX. Email : XXXX. Please let me know what else I can do to try and help out and get my funds returned, as this would qualify as a P2P transaction. Thank you.
Product: Credit card

XX/XX/year> I tried to make a purchase with my Victoria Secret store credit card. Couldnt make the purchase and investigated it. The card was closed by the XXXX XXXX
Product: Checking or savings account

I am not accepting Capital Ones answer on my complaint. That they did indeed on XX/XX/2022 do a charge back on XXXX XXXXXXXX XXXX for amount of XXXX for a cell phone plan I had purchased online threw the XXXX XXXX  website on XX/XX/2022. Capital One claimed unauthorized purchase and took back XXXX causing my cell phone to be shut off. At no time during my talks with Capital one was there any mention of declined transaction for XXXX. There was fraudulent charges for the businesses they said for XXXX dollars and XXXX dollars. Capital one stole money that didn't not belong to them. I will this time be getting all the info XXXX XXXX XXXX  has that will prove that Capital one did illegally take money and I will prove it. I've been told by 3 separate supervisor 's at XXXX XXXX that Capital one did exactly what I'm claiming they did. And Capital one knows they did it but they figure they'll keep lying about it and I'll just go away but there wrong. I want the same consequences as last complaint but now I want XXXX reimbursement for my time and all the struggles it putme threw
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXXXXXX XXXX Birthday- XX/XX/year> SSN- XXXX Address- XXXX XXXX XXXX, XXXX XXXX Tx XXXX XXXXontents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Equifax credit reporting agency provide the method of verification for items disputed in my recent complaint. Under the Fair Credit Reporting Act ( FCRA ) XXXX ( 15 U.S.C. XXXXi ), I have the right to know the methods and sources used to verify the disputed information on my credit report. Please provide the following within XXXX days of receipt of this letter : XXXX XXXX XXXX XXXXXXXX The source ( XXXX ) of information used to verify the disputed items. 
Documentation or evidence supporting the verification. 
A detailed explanation of your verification process. 
If you are unable to provide this, I request that the items in question be immediately deleted from my credit report, as required under FCRA XXXX for unverifiable information. Non-compliance will result in legal action for willful and negligent violations of the FCRA. 
I have attached a copy of the items claimed to be verified, along with my previous FTC report.
Product: Credit reporting or other personal consumer reports

More then 10 years ago my name and social Security number with part of a major security credit breach with ( Equifax ). Since then I been struggling to keep fraudulent information off my report. Although, I received a financial settlement from ( Equifax ) its not worth what I been dealing with my credit still having fraudulent reports. I have many credit cards old and new on all three of my credit reports that do not belong to me. 

Please help,
Product: Debt collection

This account ( {$590.00} ) was disputed and investigated twice before, 1st time with Credence Management on XX/XX/21 in which it was closed and removed after discovering that the services rendered from XXXX XXXX XXXX were to a California address. I have never lived in California. The second attempt to collect this dept ( {$590.00} ) was from a company called XXXX, I believe that they were associated with XXXX XXXX XXXX. This second dispute took place around XX/XX/21. I believe this account was sold or passed along to XXXX by Credence Management. This account was also deleted from my credit report after they deemed that it was not my debt, because I have never lived in California. I also remember filing a fraud report through CFPB ( Consumer Financial Protection Bureau ) for XXXX XXXX XXXX, and also for XXXX XXXX and XXXX. Even after all the investigations, and having the account closed and removed numerous times, this company still manages to try to tie it to me via my credit report and trying to ruin my credit in the process.
Product: Credit card or prepaid card

American Express Has Stolen Funds From both my accounts Days And Months Later. 
After it was in written that the account has been closed with out my consent.. 

funds have stolen out of my accounts with my consent as well... 

I am : XXXX XXXX XXXX XXXX XXXX Owner Of This Account and Acceptance For Value DONE IN GOOD FAITH UCC1-308 PLEASE AUDIT THIS ACCOUNT AND RECOUP ALL REMITTANCES AND ANY FUNDS DUE TO ME... UCC1-108
Product: Vehicle loan or lease

My APR is XXXX % interest this is completely unacceptable. My car payment is over XXXX per month this is also completely unacceptable and I am finding my self un able to handle this high of payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and Transunion to have incorrect addresses reported on my credit report removed. I have written letters, filed disputes and it has not been resolved. I will attach my most recent letter regarding the information and request to remove.
Product: Prepaid card

The investigation that was ran did not address the FACT THAT I DID NOT EVER ENTER A DISPUTE FOR XXXX VERBALLY OR IN WRITING EVER! THE ONLY DISPUTE I MADE WAS FOR XXXX, XXXX, AND TWO OTHER AMOUNTS UNDER XXXX. I NEVER EVER DISPUTED XXXX!!!! A WEEK LATER I FOLLOWED UP TO SEE WHAT THE RESOLUTION WAS REGARDING THE FOUR AMOUNTS I DID DOSPUTE FOR A TOTAL OF XXXX DOLLARS, AND NOTICED A DISPUTE ALSO FOR XXXX!! I DID NOT DO THIS AND I IMMEDIATELY CALLED TO CLARIFY I NEVER DID ANYTHING OF THE SORT AND WAS TOLD TO DISREGARD IT, " IT WAS A MISTAKE! '' I COULD NOT BELIEVE IT. BUT I THOUGHT MISTAKES ARE MADE. THE INVESTIGATION THAT WAS RAN WAS ONE THAT STILL ASSUMED I MADE THAT DISPUTE AND I NEVER EVER DID THAT!! AGAIN WHEN I CALLED TO PROTEST ANY SUCH THING WAS TOLD TO DISREGARD IT AS IT IS A MISTAKE. THEN A WEEK LATER XXXX IS TAKEN OUT OF MY ACCOUNT. AND IT WAS TAKEN FROM THE XXXX XXXX XXXX SENT TO ME INTENDED TO GO INTO MY CASH APP ACCOUNT! NOT MY CHIME ACCOUNT USING MY CASH TAG $ XXXX, but Chime WOULD NOT RELEASE the XXXX WHEN XXXX XXXX EMPHASIZED USING MY CASH TAG FOR CASH APP, by way of pay anyone, that Chime deposited into my chime because it was sent from a chime account, intended to be deposited into my cash app account. But Chime would not direct the deposit where it was intended to go in order to keep the XXXX and took XXXX our rent money to satisfy a dispute I never ever made. What kind of business is that? Honorable? Absolutely not then politely close my account.
Product: Credit reporting or other personal consumer reports

I am listing an inquiry fraudulent from my Transunion Credit Report. XXXX XXXXXXXX XX/XX/year>. Listed inquiry does not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark this inquiry as fraudulent and remove from my Credit Report.
Product: Consumer Loan

Mid Atlantic Finance has intentionally reported false information regarding my VOULUNTARY repossession that occurred XX/XX/XXXX to the credit reporting agencies. On XX/XX/XXXX as if in retaliation to my previous complaint with your agency, they changed the reporting of this account from CHARGE OFF ( which is how it has been reporting from XX/XX/XXXX to XX/XX/XXXX ) to REPOSSESSION for XX/XX/XXXX. This fraudulent updated reporting dropped my score XXXX points. By Mid Atlantic 's own admission this vehicle was VOLUNTARILY repossessed XX/XX/XXXX. Therefore, according to FCRA law, their deceptive reporting of a brand new repossession in XX/XX/XXXX, is unlawful. And I am pleading with your agency to either demand the complete removal of this account from the credit reporting agencies or to demand that they change their updated status of REPOSSESSION for XX/XX/XXXX back to the correct reporting of CHARGEOFF. Please find all documentation attached.
Product: Checking or savings account

On XX/XX/XXXX, I proceeded to open a Truist checking account after seeing the " Receive {$400.00} after making two direct deposits totaling {$1000.00} within 90 days of opening a checking account '' offer. I copied the required promo code and pasted it in the dedicated text box and submitted it. I was then directed to the next step of the account opening. Upon opening the account, I realized I had not received any information about the promotion being applied to my account. I immediately contacted Truist in order to confirm the application of the promotion, and they were unable to find that it was. I was told a research request had been submitted, and that I should be hearing from their Promotions department within 25 business days. After roughly 25 business days, I contacted them letting them know I had not been contacted, and I was told that it may take longer, and I was asked to wait. I again waited until today, XX/XX/2023. I spoke with someone who was once again unable to confirm the application of the promotion to my account, and I was advised that the research request was still active. Worrying of having neared 90 days and the fact my direct deposit payments are monthly, I asked to speak to a manager to be reassured that I would have the amount of time I had waited for resolution of the research request added to the time I would be able to set up direct deposit. I will reiterate that the promo code was required upon account creation to be eligible, and I was not going to set up direct deposit until I was confirmed eligible. The supervisor, XXXX, told me that the research was still ongoing and that I would still have within the 90 days of opening my account to make the required two direct deposits, but that my time waiting for confirmation of eligibility would not be extended as a grace period for me to complete the criteria to receive the {$400.00}. I made a good-fair effort to resolve the issue, and I was told nothing could be done.

I believe Truist had intentionally deceived me to open a checking account, as their website did not notify me of any application or error of application of the promo code and immediately proceeded to the next step of account creation. I believe they were hoping I would set up direct deposit whilst being ineligible for the promotion. I believe their delay of resolution was intentional, and that they sabotaged my ability to reasonably comply with the criteria and receive the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered an unpaid account on my credit report that I never opened or used. US Bank is reporting an amount of {$7200.00} on an account supposedly opened and closed in 2014, that US Bank reports was never paid, and that US Bank eventually charged off, causing irreparable damage to my credit report. 

I never opened this account nor incurred this debt. This is a fraudulent account that is adversely affecting my credit score. I have called the company, US Bank, to get more information about the account, and the representative refused to provide any information or assist with resolving this attempted theft because I could not verify the identity of the criminal who opened the account. I contacted each of the three credit bureaus to report this fraud and the credit reporting industry 's culpability in such crimes. Two weeks later, the three credit agencies ' putative investigations were concluded, parroting the furnishing company 's falsehood with an unchanged score, lacking any documentation or notation of dispute or fraud whatsoever, and the phrase " results unspecified. '' The result of this disgusting crime is that my credit score is depressed while these companies get away with perpetuating negligent falsehoods at the expense of my rights and in violation of federal law. 

I am a veteran of two wars with over XXXX XXXX XXXX service to the military. I observe the laws of the land and pay my debts. In return for my service, I am apparently fair game for US Bank to casually extend credit to criminals in my name, then level fraudulent, unchallenged slights against me, harming my reputation and my ability to buy a home.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 


I HAVE NOT SUPPLIED PROOF UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 





THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account XXXX : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX U S DEPT OF ED/XXXX Account number : XXXX Date opened : XXXX XXXX, XXXX U S DEPT OF ED/XXXX Account number : XXXX Date opened : XX/XX/XXXX U S DEPT OF EDXXXX  Account number : XXXX Date opened : XX/XX/XXXX U S DEPT OF EDXXXX Account number : XXXX Date opened : XX/XX/XXXX U S DEPT OF EDXXXX  Account number : XXXX Date opened : XX/XX/XXXX U S DEPT OF ED/XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX Reported date XXXX XX/XX/XXXX XXXX Reported date : XX/XX/XXXX XXXX Reported date : XX/XX/XXXX XXXX Reported date : XX/XX/XXXX XXXX Reported date : XX/XX/XXXX XXXX Reported date : XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX & XXXX Reported XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. 

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN PRODUCING COMPLAINTS FILED AND POSSIBLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Consumer Loan

Lexus financial is taking 2 payments per month out without my authorization because of an accounting error on their end. additionally they have cost me overdraft fees and they refuse to reimburse me.
Product: Credit reporting or other personal consumer reports

I sent a dispute to Transunion on XX/XX/XXXX, it is now XX/XX/XXXX and I have not received any investigation results. Below I attached a copy of the dispute ( in which i detailed out everything that's inaccurate, incomplete and/or unverifiable ), 2 forms of ID, the supporting documentation and a copy of the credit report. I demand that this agency complies with the FCRA
Product: Checking or savings account

they say i recieved funds which i dont remember recieving a credit card from wells fargo bank and its affecting me from getting loans and all
Product: Debt collection

On XX/XX/XXXX I granted MOBILOANS the right to provide me an extension of my credit from my open-end consumer credit plan pursuant to 15 USC 1602 ( j ). However MOBILOANS furnished deceptive forms to deceive me into believing they provided me credit on their behalf. It is a fact, I am the original creditor and MOBILOANS has been fraudulently collecting payment from me in regards to the extension of this credit as well as other charges and fees. MOBILOANS also frequently computed " finance charges ''. I have disputed this account from my XXXX consumer report on multiple occasions because I never gave XXXX or MOBILOANS direct consent to furnish this information. No direct consent is identity theft! On XX/XX/XXXX I served MOBILOANS with a cease and desist and requested that they provide me with the valid documentary evidence for verification of the alleged debt they are attempting to collect. I received a vague response from MOBILOANS stating that the Fair Debt Collection Practices Act does not apply to MOBILOANS - see Exhibit A. I am demanding that they provide the law that exempts them from following federal law. The documents provided to me by MOBILOANS clearly states TRUTH IN LENDING DISCLOSURES- so MOBILOANS is willfully and knowingly committing fraud because this information is public and they are governed by these regulations! They have also been harassing me by communicating indirectly to XXXX and publishing information that is harmful and defamation of my character! It is a fact, MOBILOANS has committed fraud and continues to violate my rights as a consumer.
Product: Debt collection

An attorney representing my son sent my sons debt to collection agency and they have my name and are trying to make me pay his debt. I never signed up for anything and never saw a contract until they sent me his contract and his information. 
I do not live in that state. I am not on the contract. 
They wrote my name on a paper and no date of birth, none of my information like SSI number and no signature of mine stating I would pay this debt. The debt collector insists it's my debt and I need to pay them. 
I told her to stop calling me at work and I am not on that debt. I told her I am not on that contract, so she sent me the contract. I told her she is sending me information for a person that is not me and I should not be receiving his information. 
a person from Alpine Credit ( XXXX ) XXXX keeps harassing me at work for a debt that is not mine. 
In the meantime, my son is in a divorce situation and I paid it to help him because he has enough stress going on, and they continue to harass me!!!! 
I work at a bank in the loan department, I have XXXX credit scores and I know this is not fair and it needs to stop. 
AND IT '' S Paid!
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is lying about not receiving my coupon that they sent me trying to collect this debt. They have placed a collection on my personal credit profile and the response is they will send me the validation when the General insurance company sends it to them I AM DEMANDING DEBT VALIDATION FROM THIS BOGUS COMPANY. I KNOW I DO NOT OWE THE GENERAL ANY MONEY WHAT SO EVER. IT IS MY RIGHT TO SEE WHERE THEY ARE GETTING THIS XXXX DEBT FROM.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX- # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- # XXXX XXXX XXXX- # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- # XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Money transfer, virtual currency, or money service

I received a vehicle total loss & was sent a check for my vehicle. But the check was cashed at PNC Bank by a different party & since the middle of XXXX of 2022 I have been waiting for a response but havent gotten anything or at least any information on who cashed the check & what 2 forms of ID the person showed. 
The bank doesnt want to speak with me & only tell the insurance who sent the check that they are still investigating