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

On XX/XX/2020 I initiated transfer of {$120.00} from my SOFI invest account. Two days later I call and was told it was OK, to wait. Monday the money is back in the invest acct ant they have put a 5 day hold on it. 
They ( XXXX ) maintain that I transferred the money into a closed SOFI account. My position is that transfers to closed account should not be able to be attempted, therefore it is SOFI 's mistake.

I just want my money, it has been two weeks and they are not releasing it until Wednesday, so it looks like another week.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I found that the company NCD Financial LLC is illegally reporting fraudulent and negative information to my credit reports.

I have never done business with this company, nor have I ever opened an account with this company. They are reporting balance on an account that does not belong to me.

I immediately disputed this account with the credit bureaus and I immediately contacted NCD Financial LLC to let them know that they are illegally reporting an inaccuracy to my credit report. When I notified NCD Financial of this error, they quickly disregarded me and refused to assist me in any way. They stated that the account was opened online and anyone can open an account online. They also stated that they are not the police and it is not their job to investigate fraud.

They proceeded to transfer me to a collection company called XXXX who also refused to assist me with the dispute.
Product: Student loan

I was working for a XXXX  for approximately 5 years from XXXX. I thought American Education Services was applying the payments toward the PSLF program. I recently learned that my loan had to be consolidated in order to receive credit towards this program. No one had explained this to me. I just began working in XXXX XXXX and need to " start the clock '' all over again to be approved for loan forgiveness.
Product: Credit card or prepaid card

I reached out to file a dispute on XX/XX/XXXX about clothes that were sent in the incorrect size and was told a dispute will be filed. I followed up and was told I would hear back but did not. I had to file an additional dispute on XX/XX/XXXX about a defective item that the merchant wouldn't accept a return for as the merchant wanted to keep troubleshooting it. I was able to finally get information on XX/XX/XXXX that it had actually not been filed as they had reached out to me for additional information, which I had not received. I sent the information and it was finally filed as of XX/XX/XXXX. 

On XX/XX/XXXX, I was advised the dispute had been resolved in the merchant 's favor. When I asked for the documentation, it was just documentation showing the merchandise had been delivered. I then discovered that on their dispute, they listed it as " XXXX not received as promised. '' I asked to appeal the determination as I had never said the merchandise was not delivered, but that it was incorrect and defective. They declined and then stated that they were able to properly state it wasn't received. When I asked about how that was appropriate for it to just require delivery and the merchant should have to provide proof that it was the correct size and not defective, I was told that their decision was final and they followed the CFPB regulations 1005. I advised them that they had broken their policy of provisional credit if not resolved in 10 business days, which I learned once sent the link that it was actually a regulation. 

They took 65 days to complete the investigation and never issued a provisional credit.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance XXXX {$580.00} XXXX XXXX Balance : {$8900.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$34000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed with the company via XX/XX/22, Disputed with local credit XXXX XXXX removed the transaction from the consumer report but left an account that says below : ( XXXX XXXX XXXX  ) 15 U.S.C 1602 ( g ) there is no valid proof on the evidence of indebtedness with this credit transaction. 

15 U.S.C 1602 ( k ) I was not provided an adequate notice that clearly showed I owed this debt, and because of this, I made an uninformed decision by a computerized agreement.

15 U.S.C 1602 ( p ) unauthorized use because I did not benefit from this transaction.
Product: Debt collection

I received an alert from XXXX XXXX- a debt was filed against me on Equifax from a company called XXXX XXXX XXXX for a debt from XX/XX/2016 from XXXX XXXX XXXX which services XXXX XXXX XXXX I have not lived in XXXX XXXX in over 15 years which I explained to Equifax- This collection agency did not provide an account number or a service address. I filed a dispute with Equifax and they did a half XXXX investigation and seems like they are going by this company 's verbal statement instead of asking for information verifying this was my account. I contacted this collection agency today explaining why I was calling wanting the information verifying the account and stated I will not provide any banking ; credit card or social security number and they hung up on me. This is a total scam. Why would it them over 6 years to find me?? I was not in hiding. If this is my account, this company should have no problem providing an account number and service address in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

PRIOR TO XX/XX/2020 MY FEDERAL STUDENT LOANS WERE XXXX XXXX+ ON XX/XX/2020 STUDENT LOANS AMOUNT INCREASED BY {$63000.00} AND I AM NOT IN SCHOOL ANYMORE. THE TOTAL STUDENT LOANS ARE NOW TOTALING {$120.00}, XXXX AND THE NUMBER OF STUDENTS LOANS WENT FROM 19 TO 38. THIS INFORMATION IS INCORRECT AS THE DEPARTMENT OF EDUCATION ONLY ALLOW A SPECIFIC AMOUNT IN STUDENT LOANS IN A LIFE TIME. I DONT KNOW HOW MY CREDIT REPORT COULD REFLECT AN INCREASE WHEN IM NOT IN SCHOOL AND WILL NOT BE ENROLLING IN SCHOOL. THIS IS AN ERROR AND SHOULD BE CORRECTED. MY STUDENT LOANS SHOULD BE {$0.00} DUE TO DISCHARGE OF MY STUDENT LOANS THROUGH XXXX XXXX XXXX XXXX DISCHARGE. INSTEAD OF REPORTING LOANS AS BEING PAID IN FULL, THEY DOUBLED IN AMOUNTS OWED.
Product: Debt collection

I keep tellin g Discover Card (  they have my current cell phone and home numbers ) not to keep calling an elderly relative who I have n't seen in ten years. One day they called her house five times!! So they do not need to call her when they can call me.
Product: Bank account or service

Dear Scottrade, As mentioned in my separate letter, I wanted to highlight that my son reported vulnerabilities of Scottrade systems, including but not limited to the following errors:1. ) Failure to encrypt customer information, including secondary passwords, social security numbers, and other highly sensitive personal information. Scottrade ignored the warnings and as a result the recent XXXX XXXX customer data breach is now a serious issue. If Scottrade has listened to the reports that they did not properly encrypt and protect information the breach would not be as large of a risk to customers. 
2. ) ACH vulnerabilities in Scottrade 's systems that allow hackers to fraudulently initiate XXXX dollars if fraudulent trades. 
3. ) Failure to investigate fraud. 
4. ) Et al. 

To be sure, I have attached a letter sent to Scottrade and the SEC that describes a number of these issues and would invite Scottrade to respond to my concerns and explain why they ignored the fact that Social Security Information was being transmitted and stored in plain text.
Product: Money transfer, virtual currency, or money service

I reached out to dispute payments I made to a unlicensed contractor who scammed me into making payments before he was done. I paid through venmos buyers protection policy. I learned that the contractor was not at all attempting to complet the work but instead was using my vacant home as a hotel. Items that Id had there were stolen and sold, as well as damaging multiple items in my home. I disputed the payments made to the contractor on XX/XX/XXXX. I provided pictures of an attempt to paint a ceiling which he did not but instead started to paint and over sprayed the ceiling fans instead and then did not complete. I also included other areas where he should have painted but clearly was not painted. After this the seller was given time to respond. On XX/XX/XXXX Venmo responded that the dispute was denied. I then immediately requested that the information used in the decision be provided to me. Instead they reiterated that the dispute was denied. I then submitted two support tickets : ID : XXXX and XXXX asking again for the documentation. They stated it was denied due to : " This decision was made because if an item is materially similar to the seller 's description, we do not consider it to be significantly not as described. '' whereas there was nothing materially similar about what we agreed to before and what he attempted. This person scammed me for as if they were a licensed contractor instead did not provide any of the services and I should be given a refund for payments made to him under fraud.
Product: Credit card

I tried to purchase a massage chair at XXXX XXXX XXXX XXXX Massage Chairs, located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX on XX/XX/2023, the sales promised to deliver the chair within 3-4 weeks. I was charged {$3000.00} for the chair and {$250.00} for the white glove delivery fee. The chair is never been delivered. I kept waiting and waiting for the delivery company to contact me. They lied about delivering more than one month after the purchase, I had to ask for a day off to wait at home all day, but nobody came at all. I waited another 2 weeks, they are still not delivering. The sales of the store promised to help schedule a delivery on a Friday, so my husband had to miss work and stayed home all day to wait for delivery, it never happened. 3 weeks later, they " scheduled '' a delivery date which we never agreed. We realized this was totally a scam, so we requested a dispute from Chase Bank on XX/XX/2023 ( I purchased the chair with my Chase Sapphire Preferred card ), I only got {$250.00} credit back but I never got the {$3000.00} credit back. I called 4 weeks after the dispute application, I was told I need to just keep waiting since the merchant is not yet replied.
Product: Payday loan, title loan, or personal loan

Currently have a loan with OneMain and was looking to get an additional one to help with personal situation. Discussed transferring loan from XXXX XXXX to XXXX to then make the payments there. Was told in XX/XX/2019 that my payment would approximately be {$500.00}. I was told that I ONLY had three days to make a decision to move forward with the second loan for the vehicle, in reality I had thirty days. Store Manager implied that I had one payment, in reality I had two payments totaling {$800.00}. I was not in any situation to be able to make an {$800.00} a month payment based on my income and other responsibilities. I would not have moved forward with the additional loan is it was going to be that much money, I stated that to the Store Manager in which she became very aggressive with me. I did get connected with the District Manager and explain the situation. He said that he would be able to reduce the monthly payment to approximately {$200.00} and the terms would be extended, this was in XX/XX/2019. He said that I would have to cal him on XX/XX/XXXX to further discuss, then had to call him on XX/XX/XXXX to again further discuss. The District Manager said that I would not need to make the XX/XX/XXXX payment, with the newer monthly payment amount and longer terms I would not have to make the first payment until XX/XX/2019. Now, I have been constant calls stating that what he originally said, would not be able to happen and that my payment was now late, but was nice enough to waive the late fee.
Product: Credit reporting or other personal consumer reports

Requested Address Correction and Fraud Alert removed. Sent Address Affidavit 2 times
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below need to be deleted from my Credit Report : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this discover account ending in XXXX. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Transunion for falling to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without proving any evidence of a though investigation. this practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. furthermore, XXXX actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as it is highlighted in the CFPB 'S recent administrative proceeding. ( File No. 2025-CFPB-0002 ) against them for similar violations. i request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

This was my 27th compliant that I was a victim of identity theft and this is another request to remove the accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Reporting Agencies are required to remove any items not later than 4 business days after the ( XX/XX/XXXXXXXX  ). Ive already included this report in my previous letter & I am including it again. Also, the information the Bureaus provided on these accounts were UNKNOWN to me and were REMOVED from other bureaus and I have doubts about the accuracy. Please see below the items for REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called several days to request that XXXX AMEX to remove the credit card account from my credit report because I am just the authorize user. I was told that they can not remove the account for several reason. The first was because my card was still active, so i asked to closed my card account. After I did this they still refused to remove the from my credit report. I called the XXXX AMEX credit bureau department and they stated that my marital status was the reason why the account will not be deleted. Every time I request to speak to a manager the call disconnects. I am again requesting for the account to be removed from all three credit bureaus because I am not the responsible party on the account and the account is closed. Please removes immediately.
Product: Student loan

I am currently in a Department of Education Rehabilitation Program. I feel I had successfully completed the required amount and number of payments to be off the program and back to the regularly scheduled payments with a modification to my credit report noting this as such. The service indicated that a " problem with paperwork '' resulted in " having to start over. '' Now I am back in a new rehabilitation program and they are threatening to garnish my wages! I am a United States XXXX XXXX XXXX XXXX XXXX XXXX member and I need assistance resolving this matter please. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last 4 of XXXX RE : XXXX XXXX Dear TO WHOM IT MAY CONCERN XXXX XXXX XXXX : I am responding to your contact about a debt you are trying to collect. You contacted me by phone on XX/XX/2023 and identified this alleged debt. PLEASE PROVIDE PROOF OF CHARGE OFF/ The following account was charged off as of ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 



I am demanding a deletion of the following account. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.