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

Bank of America, XXXX XXXX and XXXX If other, please specify : XXXX Transaction Amount : {$2500.00} Transaction Date : XX/XX/XXXX Was the money sent? Yes Victim Bank Name : bank of America If other, please specify : XXXX Transaction Amount : {$2500.00} Transaction Date : XX/XX/XXXX Was the money sent? Yes Victim Bank Name : Bank of America Recipient Bank Name : XXXX XXXX If other, please specify : XXXX Transaction Amount : {$1000.00} Transaction Date : XX/XX/XXXX Was the money sent? Yes. 
This man promised me he would build me a " funnel '' to launch my online course in a week and wrote a contract up for an immediate to begin 90 days course launch, after I pay him {$6000.00} - ONLY acceptable through XXXX. I sent him two {$2500.00} transactions and one {$1000.00} to make the total {$6000.00}. 4 weeks passed by and the work hasn't been done and barely if at all started. so I found out from a group forum that he has scammed a bunch of people out of thousands and possibly 100s of thousands of dollars collectively. I googled and saw scam reports and I realized I have been scammed. He then started threatening me to sue me for the forum post and the feed and I don't know if I feel safe anymore. 

Its been abusive emotionally, financially, and mentally, he tried gaslighting me and my family has suffered while I suffer. This is a BAD BAD guy out here hurting a lot of innocent people with his internet scam. I have to care for my mother and sons and life and I couldnt. I had such bad anxiety, my sister came up to help with my mom and I couldnt barely function. I told him this was effecting me and my family. Also, it turns out people who did work with him previously said he is a sociopath who does scam people and not perform or return their money and they left because they didnt want to be associate with him because they witnessed how he was scamming people and they said they would be a witness and sign a statement. 

NOW the bank XXXX XXXX should just give me back my money and XXXX needs to return the transfer, this is XXXX. I want my money back from this XXXX XXXX. 

XXXX needs to learn when to BLACKLIST users from receiving funds through them and not allow him to scam people through there payment gateway I have reported it to my bank to files a XXXX dispute through bank of america to his account at XXXX XXXX - but they couldnt help they said they coudnt get my money back. They said this is where we file things like this, but I am also pursuing a small claims case, I dont know what else to do. 

Then on Monday XX/XX/XXXX I filed the dispute with the bank of america XXXX departmen and have not seen anything in return I have not got my money back. I want it back. They also are not protecting me as their customer if they dont refund my money for this scam. I was scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 602 A section 2 : it also states a consumers reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

Have a mortgage loan with JP Morgan Chase. When I took out the loan three years ago Chase stated that I would be required to pay PMI due to putting down less than XXXX % on the home. I recently contacted Chase to inquire about having the PMI removed and was told I would need to have a Chase approved appraiser complete a new appraisal of my home. After paying Chase {$450.00} for the appraisal Chase informed me that I have just over XXXX % equity in my home, according to the appraisal, but they would not remove the PMI. Chase now says I must have XXXX % equity in the home, not the XXXX % they originally informed me of. I filled a complaint with the XXXX, which made Chase open a case, reevaluate my situation. I was contacted my a Chase employee after the fact who stated my documentation signed at purchase does state the PMI must be payed until I have XXXX % equity in the home, but then states its not very clear, and that Chase will not remove the PMI. Chase has attempted to blame the investor, saying they now require XXXX % equity. 

Chase has mislead the customer and is refusing to remove the PMI from my mortgage loan when I have over XXXX % equity in my home, according to their appraisal and documentation Chase supplied me.
Product: Credit card

Purchased custom kitchen cabinets through XXXX XXXX, CA Home Depot Store using a Home Depot ( CITIBANK ) Credit Card back on XXXX/XXXX/XXXX. After almost 1 year of non-completion of the job, we filed a formal credit card dispute with Home Depot ( CITIBANK ) Credit Card Services on XXXX/XXXX/XXXX. As of today we feel that our case is being purposefully delayed due to Dispute Team Member " clerical errors '' and they are unable to commit to a date in which we will receive our " FINAL RESOLUTION LETTER ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I was victim of identity theft I file a police report and place a fraud alert on all 3 credit bureaus. The account in question is XXXX XXXX XXXX signature loan. It was deleted from XXXX  and XXXX  rightfully so but for some strange reasons Transunion never deleted the account in question. I have no knowledge of the account XXXX XXXX XXXX signature loan it doesnt belong to me.
Product: Credit reporting or other personal consumer reports

I have unauthorized transactions with the companies listed on my report that I placed with the FTC the document is attached to this complaint.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 someone stole my identity and used my name, phone, address and mother 's maiden name to open an XXXX XXXX in my name. They tried to change the location address, and charge more $ until the card company put a hold on it and continued to call my phone number multiple times in the last few months. Finally I answered and got the details of why they were calling me as I didn't have any history or accounts with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX was informed of this yesterday XXXX and will be sending me paperwork on the incident but asked that I also file this on identity gov for additional support.
Product: Credit reporting or other personal consumer reports

I have noticed unfamiliar items on my credit report that I did not authorize. It appears someone may have stolen my identity to open these accounts. I have previously raised this issue and now urgently request the removal of these accounts from my report. The presence of these accounts is causing me considerable stress. They do not reflect my true credit history or financial management abilities, and addressing this situation has been challenging. If we can not resolve this matter, I am prepared to pursue legal action to protect my rights and seek a resolution. These inaccuracies are hindering my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope for a swift resolution to this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX are reporting Fraudulent on my credit report. XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX are not my accounts. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX hard inquires are not mine and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent credit reporting agency Equifax a letter ( per their request ) requesting my consumer report, consumer file and investigative file. As of XX/XX/XXXX, I have not received any of the 3 documents I have requested.
Product: Credit card

I took out a credit card through Wells Fargo to purchase furniture at XXXX XXXX. I was lead to believe that the payment schedule set up in the store would satisfy the payoff requirements to take advantage of the no interest loan over 12/18 months. This was not correct and when the balance was due I could n't afford the balloon payment and was charged back interest at a rate of 28 %. If I had known that the payment schedule set up for this loan was insufficient, I would have purchased less. In fact, I tried to purchase less and the XXXX XXXX employee said he restructured the loan so that i would only be paying XXXX a month. He assured me that this payment schedule would satisfy the no interest loan requirements. This has put me in a very difficult situation and I feel that I was seriously mislead by the individual at XXXX XXXX. I have contacted both XXXX XXXX and Wells Fargo and they have told me they are unwilling to help.
Product: Money transfer, virtual currency, or money service

I tried to use our flight credits on XXXX and logged in on my account. Upon trying to book our trip, it didn't finalize. Instead the customer service number came up to call. So I called the number. It was XXXX customer service number but the wait time was 30 min. There was an option for call back. So I chose to call back. 30 Min later, XXXX agent called, who was a scammer and I had no idea he was a scammer. He could pull out my itinerary and knew all the passengers I was gon na book. He said the reason it didn't go through was my credits were expired but he can refund the whole amount to my credit card and I have to create a new booking at the same time to pay for this new booking. I used my bank app to send money ( 4 transactions for {$1800.00} ) through my bank app XXXX which I never heard. He told me how to do. After the XXXX transaction and hanged up the phone, he never sent me an itinerary. Then I realized I was scammed. 
I called the bank, the banker opened my case up to investigate but the bank is unable to guarantee my credits back. 
Please examine if my case will qualify to be covered by the Electronic Fund Transfer Act and Regulation E.
Product: Checking or savings account

I have an account of XXXX bank and my friend has an account of BOA. I sent her XXXX dollars through Zelle transfer on XX/XX/XXXX. Money was immediately gone in my XXXX XXXX  account but was never delivered to my friend BOA account. 

We tried to ask XXXX but they said they could do nothing. 

We tried to ask XXXX XXXX  for dispute the transfer, but they have no response yet. 

We tried to contact Zelle, but can not. 

Please help me with the issue. I would like to get my money back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

While I appreciate your explanation regarding the Cardmember Agreement and the company 's compliance with relevant laws, I must reiterate the importance of rectifying inaccuracies on my credit report. As a responsible consumer, it's crucial for me to ensure that the information reported to credit agencies accurately reflects my financial activity and status.

I understand your stance on declining my request for an update directly ; however, I will proceed to send a copy of my current credit report, highlighting the discrepancies, to the provided address at XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 

Regarding the allegation of violating laws, I would appreciate further clarification on how the company is ensuring compliance with the Fair Credit Reporting Act and other applicable regulations. Could you provide more insight into the steps being taken to ensure accurate reporting and consumer privacy?

Moreover, while I respect the decision to decline compensation, I seek reassurance that the matter will be thoroughly investigated for compliance verification and that these late payments will be removed from my credit report.

Thank you for your attention to this matter. I look forward to a constructive resolution.
Product: Debt collection

I have been contacted by this agency repeatedly claiming that I owe a debt. On XX/XX/2023 I sent XXXX XXXX XXXX a debt validation letter requesting valid proof of claim that I am legally obligated to pay the alleged debt. This company has failed to supply any documentation that has my wet ink signature agreeing to pay the alleged amount, an explanation showing me how the agency have computed the amount, nor confirmation that the account has not crossed the statute of limitation ( SOL ) period. I do not believe that I owe this debt, and I have disputed it and allowed the agency an appropriate amount of time to show evidence of this debt to be valid, but the agency have disregarded these repeated requests to validate the debt. On XX/XX/2023 I sent a cease and desist letter because such conduct from this company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. XXXX XXXX XXXX have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. I demanded that the agency cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating my account from your records, discontinuing and retracting reports to all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. This company has failed to remove these negative remarks. On XX/XX/2023 I sent an Affidavit of Truth because I do NOT have a contract or a " wet ink '' Signature with the CORPORATION. This agency has also used my copyrighted, commercial property, the artwork of XXXX XXXX XXXX, without my prior, written consent. The agency has also failed to provide proof that the courts have furnished the reporting agency with these records and has failed to show where the access was granted to furnish this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical collections under {$500.00} are to be removed from credit reports according to the Consumer Financial Protection Bureau. The company did not remove their account. 

WAKEFIELD AND ASSOCIATES Original Creditor : CEP America LLC Alleged Balance : {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the assistance of the CFPB in connection with a dispute I submitted to Experian. On XX/XX/2020 my attorney sent a letter to Experian with back up documentation disputing the existence of three fraudulent accounts on my credit report. They include : XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. In addition to providing the statutory authority for the demand for blocking these account, my attorney provided a notarized affidavit, and FTC complaint, as well as a police report filed with the XXXX XXXX Police Department. 

Despite the ample documentation, Experian has refused to block these accounts from my credit report as required by California Civil Code 1785.16. Our position is more fully described in the attached letter from my attorney and the back up documentation enclosed with that letter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX has violated my rights. 

I have already disputed these items, but the bureaus, did not remove them, nor prove validation under sec. 609 of FCRA.

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: Credit card or prepaid card

My Family member got ahold of my social security number and applied for a Capital One Credit card and I had no idea about it until the bill come in my name and still to this day I haven't been able to get anymore info on the account of the credit card and I would like it removed from my credit history so I can see how to get approved for another one it was back between XXXX
Product: Money transfer, virtual currency, or money service

This issue involves the cryptocurrency exchange XXXX. On XX/XX/XXXX I deposited 2 bitcoins and converted it to monero. When I tried to withdraw, it did not go through. I opened support tickets and contacted a representative via XXXX and was told that the funds needed to be reviewed before being released. The funds were locked away in the attempted withdraw as the currency dropped in value but was released at the end of XXXX. I still could not withdraw so i moved the funds over to their lending platform on XX/XX/XXXX. Now on XX/XX/XXXX they have announced they have had losses on the Margin trading on XX/XX/XXXX so they are reducing all lending accounts by 16 % taking from the customers to cover their losses.

This is a big issue as 1 ) they have not given me access to my funds for 2 months, and 2 ) have taken a 16 % cut for an event that happened before I moved my funds to their lending platform.
Product: Checking or savings account

XXXX  I was a loyal customer of Chime bank 3+ years. I used my account for saving and checking as I would with any other bank. During the Pandemic I started receiving my Unemployment benefits via my Chime account ( it was my only account ) I used it for everything day to day. XX/XX/2020 Chime put a freeze on my accounts. I Reached out to Chime Via phone and Email. I was advised that I may have a been a victim of Fraud and was asked to send in Documentation. I promptly sent the necessary documents I was instructed to -to no Avail. Each time after Was asked to send in something different and I did. Each time I was given a new " reason '' as to why my funds were still frozen. Now 3 years later and still pushing to get my accounts unfrozen, Chime has offered me NOTHING. No call back My funds both checking ( {$9000.00} ) and Savings ( {$2300.00} ) have yet to be released to me. I've called almost every week and keep getting " someone will be InTouch ''. No one has called or responded to my complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to dispute an error on my credit report related to my account with XXXX XXXX XXXX  XXXX. Due to a technical error, my account was inaccurately reported as late, which is causing a negative impact on my XXXX XXXX. However, I have been in contact with the banks, and they have acknowledged the error and agreed to update the account status to open and never late. XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I was notified by Chase Bank of a loan approved in my account for {$720.00} on XX/XX/2023 through XXXX XXXXXXXX XXXX I called Chase and spoke with their credit alert division who gave me a case number, and will be following up. I am also filing a police report. 
There are also a number of credit checks in the month of XXXX, which I did not authorize, found in my credit reports which have impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please provide the original instrument of indebtedness, the method of verification, and validation of debt. 

This account NEVER had a full investigation. There was an automated response from e-Oscar system stating the information was verified. I requested physical verification in XXXX of this year showing this is my account and that has never been provided. Account XXXX XXXX  # XXXX All communication and verification documents should shared through the CFPB portal and I don't want to see information will sent you through US mail. Upload those document through and mail.
Product: Checking or savings account

To whom it may concern : My Roth IRA through USAA Federal Savings Bank was liquidated per my divorce decree. On XX/XX/2015 the Year End Summary value of my portfolio was {$22000.00}. Year End Summary on XX/XX/XXXXYear End Summary value of my portfolio is {$0.00}. 

I am unable to locate where this money was transferred to and on what date. Numerous phone calls to USAA are unsuccessful as USAA claims to have no knowledge or documentation and my ex-husband claims he never received it? There must be some sort of documentation or record regarding this?
Product: Credit reporting or other personal consumer reports

I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX