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

My fiancee and i were the victims of a scam. The gentleman contacted my fiancee from  XXXX . he was going to employ her to watch his daughter. He was sending us a check to get things for his daughter to play with, along with other items. he claimed he was  XXXX  and just moving into our area from somewhere. He sent a check, and we were unable to deposit it for the first day due to banking hours. He demanded we go to the bank deposit the check and give him his money. We then told him we did not want to watch his daughter anymore because of long hours at our current job. I was scared for our lives not knowing what he was capable of. i complied to his demands and deposited the check for  XXXX  into my bank account. Following that he demanded his money so i sent this money via   XXXX   XXXX   from a  XXXX . i sent the   XXXX   XXXX   in two separate transactions each for  XXXX . For a total of  XXXX . I was not aware that this was a scam, and when i caught on it was too late. I called the bank after going to the police, and they said they could not do anything to tell me if the check was fake. The bank asked if i made the transaction via   XXXX   XXXX  . My bank account the next day was in the negatives and he still demanded the other  XXXX  back of his money. I called the bank multiple times and they said there was nothing they could do. He has been calling from numerous numbers saying my name and his supposed name. i need my money back i have bills to pay. That was a lot of money taken out of my account, and the bank is blaming me for it. This is not my fault and i am the victim here. I need my money back.
Product: Checking or savings account

I am XXXX and can not read or write as I am severely dyslexic. I lived with my mother who passed away. A man known through my half brother named XXXX XXXX happened to own a business XXXX and suddenly took an interest in helping my garage shop neighborhood means of not much money but enough of repairing anything from lawnmowers to cars for those who know me in my area. He convinced me that I could be given a grant by the government for being XXXX to grow my shop and have a real shop and be able to bring in more customers. He promised to handle everything for me because he cared. He ended up getting a Small business XXXX covid loan in my name and I now know he put me as a caterer. He quickly vanished and I repeatedly called the bank PNC to ask if my money over {$21000.00} had come and why I was never getting a card or statement or anything. They repeatedly told me I received every card and would not answer anything because he changed the answers to questions and address and phone on me. I went there as I got really worried and the woman was very rude and printed me out all of his withdraws under his name and company name leaving the account at nothing fast. She just said someone would call me and walked away. PNC knew I was XXXX  and XXXX from the day I opened the account I told them. All of my many concerned calls begging them to freeze my account and not let anyone take money out were ignored. I have now reported him and them to the FTC and SBA for scamming the government and exploiting a elderly XXXX man out of a secure financial future.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Debt collection

I pay a settle of XXXX on XXXX, the total was XXXX. I was told that would not show up on credit report well it does causing me higher interest rates. It will show up on report untilXX/XX/XXXXi was told would not. If i would have know that would have pay full amount. The interest rate of 2 % I would get without that on there. But a 6.9 % causing me hardship on a loan because they lye to me. In these times of COV-19 causing me so much hardship.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACXXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was trying to buy a home, I had been monitoring my credit by paying memberships to all three credit bureaus, after monitoring my credit for over a year and paying nearly {$100.00} a month to these agencies and knowing where I stood with my credit scores, I decided to end these memberships, literally days after I had completed this, a debt appeared on my credit report that I hadn't seen before.

and the only reason I knew it was there was because I had applied for a home loan and was told my score was at a XXXX which last I checked was at XXXX- XXXX between the 3 bureaus. when I pulled my credit report I found that DIVERSIFIED CONSULTANTS, XXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX ( XXXX ) XXXX, had filed on all 3 bureaus stating that I owed a debt to XXXX XXXX for {$75.00}. also stating the account was opened XX/XX/XXXX. I only receive local tv from off-air antenna and have not had any tv services for over 7 years. I have NEVER been contacted in any way shape or form by this company. after numerous phone calls diversified and XXXX XXXX  it was established that there was no debt owed and eventually it was removed. unfortunately my credit score did not recover so quickly. now my credit score is barely getting close to where it was before the first false claim, and they have once again submitted their false claim this time for {$65.00} on all 3 bureaus. this is a non existent debt and they are trying to extort money out of me by sabotaging my credit in order to get me to pay for a debt I do not owe. My home can not even receive satellite signal due to line of site issues so there would be no way I would even have able to subscribe to their service in order to owe XXXX XXXX anything.

This has to be illegal. I ask that that the CFPB assist me in having this company cease and desist immediately on these false and fraudulent debt. I have done other research and have found that I am not the only one this company has done this to.
Product: Checking or savings account

CAPITAL ONE 360 Savings account markets a 4 % high yields savings account. I do not receive that because they changed it without informing me
Product: Student loan

This is my second time submitting a complaint about student loan serviced Nelnet. The information that they responded to about my first complaint undeniably backs up my claims of the unlawful practices that this company displays and the 90-day late fees should be removed from my ALL XXXX of the credit bureaus. The information that they provided backed up my original complaint that they had contacted me via the incorrect contact method, the details that I will provide show that the email address that they used was one letter away from my correct emailing address. This was simple human error on their end. Although mistakes happen, my credit score is suffering immediately because of the mistake and this issue should be resolved expeditiously!
Product: Checking or savings account

Opened a XXXX checking account on XXXX with terms of a {$400.00} bonus if opened with {$200.00} and receiving a direct deposit within 60 days. Opening deposit was made for {$200.00} and direct deposit was recieved on XX/XX/XXXX. Bonus only paid {$200.00} on XXXX. 

I contacted the company via secure message and was told that I had a {$200.00} promo had been applied, not the {$400.00}. There was no {$200.00} offer, only a {$400.00}.
Product: Money transfer, virtual currency, or money service

A refund in the amount of {$14000.00} CAD was approved to be issued by the university on XX/XX/2022. 

The wire transfer fee in the amount of {$40.00} CAD was charged by the university to be posted back to the bank account. The university uses Western Union for fee receipt and payment especially for international students. 

The intermediary ( Western Union XXXX XXXX and XXXX ) deposited {$11000.00} USD in my bank account on XX/XX/2022. 

The company didn't provide any receipt of the transaction despite of a few requests via e-mail. When called, no one is available to answer questions. 

Almost {$300.00} to {$400.00} ( After Foreign Exchange Calculation ) got disappeared during the money transfer and not receipt or transaction information were provided.
Product: Credit reporting or other personal consumer reports

There were XXXX fraudulent bankruptcies on my report Equifax and XXXX have removed all three transactions union has removed one which is XXXX but they refuse to send me a debt validation letter in writing and I asked several times I also had XXXX and XXXX  do the same thing but each bureau has removed them from my credit report except XXXX and they know that its fraud DEBT VALIDATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XXXX XX/XX/XXXX DEBT VALIDATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX, GA XXXX RE : Last XXXX SSN To Whom It XXXX Concern : I am writing this letter to dispute the following accounts : Bankruptcy # XXXX and # XXXX both are fraudulent XXXX removed XXXX but not the other XXXX after several recordings I have of them saying they were fraudulent and going to be removed. 

XXXX # XXXX there was never any balance as it was a secured prepaid credit card and I could only use what I put on the card so its very inaccurate and harmful to my credit XXXX XXXXXXXX # XXXX this account was opened over a phone call using my personal information at an address I have never lived at and was included in a fraudulent bankruptcy which these have been deleted by XXXX and working on Equifax This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of Identity XXXX. XXXX XXXX Collections Practices Act 15 USC 1692g XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Debt collection

I had XXXX  XXXX at XXXX Hospital, XXXX, FL on XXXX XXXX, XXXX. I subsequently received a bill from XXXX Hospital in the amount of {$2400.00}. However, this bill had no detail, so I immediately requested a detailed, itemized bill from the hospital. It took many months for XXXX to respond to me with such an itemized bill, which I finally received in XXXX XXXX. I immediately paid this bill in full on a Mastercard,  which posted to that account on XXXX XXXX, XXXX. Unfortunately, XXXX forwarded this " unpaid '' bill to a collection agency, Wakefield & Associates, that same month. I subsequently learned that the communication between XXXX and Wakefield was not adequate, and that XXXX 's email notification to Wakefield informing them that the bill was paid went to an email account that was not monitored properly by Wakefield. Wakefield subsequently sent my name to XXXX in XX/XX/XXXX. When I became aware of this and saw my XXXX credit rating drop precipitously from XXXX to XXXX (! ), I began contacting all three parties -- XXXX Hospital, Wakefield & Associates, and XXXX -- to see how to resolve this. I was informed by Wakefield that they had since been notified the bill was paid, and that their records indicate a XXXX balance. I was further assured that they informed XXXX of this on XX/XX/XXXX, both electronically and via postal mail. I submitted at least 3 " Disputes '' to XXXX providing all of this information, as well as documentation from the original payment. As of today, XXXX continues to assert that Wakefield is informing them that the debt remains outstanding and my credit rating with XXXX remains damaged.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am submitting this complaint regarding Capital Ones inaccurate reporting of late payments on my credit report, despite my efforts to settle my account in full. 

On XX/XX/year>, my wife made a payment of {$320.00}. I followed up with an additional payment of {$350.00} on XX/XX/year>, to ensure the account was fully paid off. When I called Capital One, a representative confirmed that my balance was zero and assured me that everything was up to date. 

In the months following, I contacted Capital One an additional 3-4 times to verify my account status and was consistently informed that my balance remained clear. However, two months later, I received an unexpected invoice from Capital One stating that I owed additional funds, despite my prior payments and their repeated confirmation of a zero balance.

Without any further noticeno calls, emails, or correspondenceCapital One began reporting negative information on my credit report, which has significantly damaged my credit score. I believe this balance was due to their error, as they failed to disclose any remaining balance at the time of my payments or during my follow-up calls. Had I been informed, I would have immediately resolved it to avoid this impact. 


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

Name : XXXX XXXX XXXX : XX/XX/1979 Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Credit Bureau Name : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX I Need These list of Incorrect/Misspelled NAMES, ADDRESSES & EMPLOYMENT INFO Removed & Deleted off my Report Because they Are Inaccurate! 

Incorrect Names : XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX Incorrect Addresses : XXXX. ) XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Employment info : XXXX. ) XXXX Thank you. 
Sincerely, XXXX XXXX
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.

Account Name : XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer 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 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Transunion is reporting that someone made a inquiry request on behalf on my name that was not authorized by me. The hit came from XXXX XXXX XX/XX/2021.
Product: Debt collection

is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card

this is to open a new complaint about previous problem. A payment to a credit card ( Chase ) was made by my bank ( XXXX ) of {$2000.00} on XX/XX/2023. Chase says they didn't get it. I have supplied them by mail the trace number, date of payment, amount of payment, and account payment made to. the still have denied receipt of payment. this has gone for months and we have been paying interest on the {$2000.00}
Product: Debt collection

I asked the reporting company to provide me the contract with my signature. Also a copy of proof of purchase and possession of my personal data.
Product: Checking or savings account

As of today XX/XX/2020 my Chime Checking account is down for the second time this week. Down meaning the App will not work to show me my balance or recent transactions, the funds are not available at all, debit card purchases are down, transfers are down, ATMs are down. Can't access any of my money for the 2nd time this week. It happens at least 1x a month now. Our regulators are just allowing this to happen repeatedly. When was the last time you heard of XXXX  XXXX XXXX or XXXX XXXX  going down for 8 hours? The government would make sure that never happened again because of all the issues it would cause. This is unacceptable. I am going to move my money to somewhere besides Chime but I am concerned about other people who may not be able to do so. Something needs to be done to ensure Chime can't continue to do this to people and affect our lives this way. Totally unacceptable to have a bank system completely crash 1x a month, or in this case, twice this week.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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