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

Over a month ago, a purchase from XXXX, AZ was made on my debit card to a fraudulent travel agencya transaction I did not make and a service that does not exist. I called Wells Fargo and they assured me I would be refunded {$490.00} ( the amount charged to my checking account ). Today, they took that money out of account and I am very frustrated because I did not make that transaction, as I live in another state and it was done so through a fraudulent service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have 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. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had my account hacked XX/XX/2021. My phone service is with XXXX XXXX. I was not on auto pay with my phone and when I called to make a payment they told me my phone number no longer existed. I discovered my phone number had been ported to XXXX. Someone with the phone carrier watches the XXXX messages to identify the customers with COINBASE and interrupts the service to take the phone number and use to hack accounts. 

However COINBASE should never allow someone to change a password without having to present photo ID, that is the reason I would think the WEB ID and Government issued ID is held for the account holder in addition to meeting KYC. The hacker changed the phone number after they accessed the account to prevent me from accessing via XXXX, but this shouldn't be able to happen if you are required to present a Photo and Government Issue ID when verifying your identity to open an account. The only way this could occur is some from inside COINBASE is working with the hacker. 

Two things tip me off : My phone number was taken away after just one day between payment renewal date and making a payment. They told me the number no longer existed.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting or other personal consumer reports

Again upon checking my credit report i noticed that I have been a victim of identity theft and found numerous credit inquiries that i had no knowledge of. I received notification that my information was involved in a Breach from XXXX XXXX XXXX XXXXXXXX. They stated that my personal information was accessed and downloaded from the banks database and a XXXX during periods in XX/XX/XXXX thru XX/XX/XXXX. These are the inquiries as listed XXXX XXXX XXXX, XXXX | I have filed a FTC report and also have the proof from XXXX XXXX that my information was breached.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two loan accounts reflecting on my credit report from XXXX XXXX XXXX OF, one in the amount of XXXX and the other {$6000.00}. These accounts are showing as a collection, however based on the Statute of limitations by California law these accounts are not allowed to reflect in my credit history after four years. These accounts were closed XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

Credit Management LP XXXX XXXX XXXX, XXXX XXXX Piano, TX XXXX Placed a debt ( XXXX XXXX / XXXX ) that has been paid in the Credit Bureau. 
I called to inform them that bill had been settled with XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX XXXX, NY XXXX The customer service person didn't want to hear it and placed me on mute.
Product: Debt collection

I do not owe them money. At the date I was receiving medicaid and medicaid should have paid for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

IMY INFORMATION WAS USED WITHOUT MY KNOWLEDGE. I AM A VICTIM OF IDENTITY THEFT. I HAVE CALLED AND FOLLOWED UP WITH THIS COMPANY MANY TIMES TO HAVE THEM REMOVE THIS FRAUDULENT ACCOUNT. THEY CONFIRMED A XXXX BALANCE. PLEASE ASSIST ME TO HAVE THIS FRAUDULENT ACCOUNTS REMOVE FROM MY. CREDIT REPORT. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiry. I did not give permission to this company to do a inquiry on my credit. It is in violation of the fcra and my privacy i have made many attempts to resolve this thru the bureau and contacting the company. Please remove.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX XXXX and Navy Federal Credit Union regarding a charge of {$750.00} for services that were not fully rendered. I used my Navy Federal Credit Union ( NFCU ) credit card to pay for their services, which were essential for conducting a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Their platform connects researchers with participants who are compensated for completing surveys. 

Here is how the platform works : Researchers design surveys with specific criteria, such as attention check questions, to ensure valid responses.

Participants are compensated only when they complete the survey and meet the set criteria.

The platform charges researchers based on the number of valid, completed surveys. 
I contacted XXXX XXXX support team regarding an issue with the survey responses. Their representative instructed me to ask participants to return their surveys to address the problem. A returned survey means the participant chose not to complete it, making the data invalid and unusable. According to XXXX XXXX own terms, returned surveys are considered incomplete, and I should not have been charged for them. 

After following their instructions, most participants returned their surveys, leaving only XXXX who met the criteria for valid responses. Based on XXXX XXXX pricing, the charge should have been {$50.00} for these valid responses. However, I was charged the full {$750.00}, which included invalid and returned surveys. 

When I contacted XXXX XXXX to request a refund or adjustment, they refused. They also blocked my account after I complied with their instructions, preventing me from accessing the service or resolving the issue further. Their actions have caused financial hardship and disrupted the progress of my doctoral research. 

I also contacted Navy Federal Credit Union to dispute the charge. I provided them with all the information and evidence I had, including communications with XXXX XXXX, their terms of service, and the details of the invalidated surveys. Despite my efforts, the dispute was not resolved in my favor, leaving me with significant financial and academic setbacks. 

I believe XXXX XXXX billing practices are unfair and exploitative. By providing guidance that led to invalid results and then charging for those invalid services, they have failed to meet basic standards of fairness and transparency. 

I respectfully request assistance from the Consumer Financial Protection Bureau to recover the {$700.00} I was overcharged. Additionally, I ask that you investigate XXXX XXXX practices to prevent similar issues from affecting others. 

Thank you for your attention to this matter. Please let me know if further information or documentation is required.
Product: Credit card or prepaid card

This past summer I signed up online for a credit card with Chase Marriott and I was supposed to get a XXXX point bonus that required {$4000.00} in spending. I spent over {$4500.00} within the next 3 months fulfilling the conditions. When i called to say i never got the points, Chase Marriott said that i signed up for a different promotion where i needed to spend {$5000.00} and would receive XXXX points. I would have been glad to get this promotion but its not what i saw or what i signed up for. I asked them for proof of my signature, but they said they dont have it.Obviously their computer system mistakenly shows that i had a different promotion and they are refusing to fix it. I wish i had taken a screenshot of the promotion.I suggest that others make sure to do this.
Product: Debt collection

XXXX XXXX XXXX charged a {$2.00} interest fee in the XXXX statement on debt that was paid in full on XX/XX/XXXX, which is the previous billing cycle. The customer service representative told me that was an attempt to collect, but allowed me to dispute the charge. However, I do not believe that practice is or should be legal. The only reason I notice the charge was that I had no purchases in the following months. I believe this is an obscure fee and it leads to consumers paying interest on debt that was paid in full.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 XXXX XXXX has violated my rights. Or list of inquiries 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: Mortgage

My fixed rate mortgage payment went up again because of escrow. Nationstar never offered me a choice of paying the difference off or just accepting the payment hike. This happened for the second time with that company. Whereas before, when my mortgage was handled by other companies ( at least XXXX in the past ), I was always given that choice and was able to keep the payment amount the same. When I talked to Nationstar 's mortgage representative he said that they had sent the notification by email. I checked. That email did not have any sort of offer to pay off the escrow shortage. And even after I paid off the shortage while on the phone, the representative still said that the payment amount would still increase, even though less than before I paid shortage. I would like to know why a fixed rate mortgage payment still goes up with Nationstar and more importantly, why do they ignore my right of a choice to pay off the shortage before they bill me with higher mortgage payment. And why do they not let me to pay the Escrow myself? The Nationstar 's mortgage representative was not helpful with those questions. But he did send me the Annual Escrow Disclosure Statement this time, when it was too late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been enrolled in XXXX  full time since XX/XX/2016. XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX are both reporting that my student  loans defaulted and were 120+ days past due with a {$0.00} balance during the time I was enrolled in XXXX  full time. I have disputed the two XXXX XXXX XXXX accounts and the two XXXX XXXX XXXX XXXX accounts that are reporting 120+ days past due with all three credit bureaus multiple times and they keep coming back as verified. I am attaching proof of enrollment   from XXXX. 
I have contacted XXXX  and XXXX XXXX XXXX XXXX and both have told me that they will not change how the loans are reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax XXXX and XXXX won't remove my fraud alert or freeze
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispted information on my credit report, leaving inaccurate pr unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failinf to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notifiy consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence XXXX provided, causing ongoing harm to my credit standing. I am requestin immediate corrective action to remove or amend the dispute accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Money transfer, virtual currency, or money service

Request for Assistance with PNC Bank Wire Transfer Issue Hello, I'm writing to discuss a rather concerning issue that my business, Rocketserve.io, has encountered, involving a wire transfer to PNC Bank. It's been a challenging situation, and I'm hoping to get some help from the Consumer Financial Protection Bureau. 

Background : My company got involved in a solar project, requiring us to manage and buy some specialized parts. For this, we sent a substantial payment from our XXXX account ( XXXX ) to a PNC Bank account on XX/XX/2023. This transaction, tracked under Transaction Reference Number XXXX, has been a part of an ongoing investigation ( XXXX Case ID XXXX ). 

The Issue : Heres where it gets tricky. After sending the money, we found out that the funds, which were meant for buying parts for the solar project, were being shown for something entirely different " people helping people ''. This doesn't match what we agreed upon in our contracts. 

Because of this discrepancy, I had to step in and tell the fraud agent at XXXX not to release the funds to XXXX XXXX, the intended recipient. Adding to the complexity, I learned from XXXX that her bank account was shut down during this whole situation. 

Attempts to Resolve : XXXX has tried reaching out to PNC Bank multiple times, but there's been no response. It's left us in a tough spot financially and operationally. 

Request : I'm hoping you can step in and help sort this out. It's important for PNC Bank to address these issues, especially with the suspicions of fraud and mismanagement of funds. We need to get to the bottom of this and ideally get the funds returned to my account. 

Thanks for taking the time to look into this. I'm looking forward to any guidance or support you can provide to help resolve this unfortunate situation. 

I've attached documentation to help further describe the situation or support the wire transfer to the account in question. I'm hoping the money is just in limbo and can be transferred back to the now-closed chase bank account as previously mentioned as so we don't go out of business because we were frauded by some random client. 

Any assistance in resolving this would be answering a prayer. 

Best regards, XXXX XXXX XXXX XXXX Owner/Operator XXXX XXXX XXXX XXXX Order In, Service Out '' Office : XXXX ( XXXX ) Mobile : XXXX Toll-Free : XXXX
Product: Credit card or prepaid card

pursuant to 15 usc 1632 ( a ) Information clearly and conspicuously disclosed ; annual percentage rate and finance charge ; order of disclosures and use of different terminology Information required by this subchapter SHALL BE DISCLOSED CLEARLY AND CONSPICUOUSLY, in accordance with regulations of the Bureau. The terms annual percentage rate and finance charge shall be disclosed more conspicuously than other terms, data, or information provided in connection with a transaction, except information relating to the identify of the creditor. 
I have provided the united states code that governs my right to know what the finance charge is clearly and conspicuously, I am demanding you provide me with that amount here to use as proof.
Product: Money transfer, virtual currency, or money service

I sent money using cash app to a PHONE NUMBER XXXX cash app sent it to some random $ cashtag they decided on ' XXXX  XXXX '. however, i was sitting next to the intended recipient and he logged into cash app using his PHONE NUMBER and the app decided to log him in as XXXX XXXX or something else. the {$5.00} I sent is lost and cashapp support has decided to : 1. ignore my original request and ask for the same information 3 times. 
2. ignore the details i had already provided in my original problem email as stated above.

3. decline to help me with the original issue and just state that the {$5.00} wen to XXXX XXXX successfully. 

i know it went to a scam account successfully. that was the original problem. cash app will now keep those {$5.00} and neither I nor the recipient have access to it. 

They allow you to send money to a phone number. they allow you to login with your phone number. but they will also create fake cash tags to hold the money and make it be lost to the consumer so they can keep it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX card information is being reported inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested VALIDATION stating signed documents with my signature are contact by the original creditor. 
Haven't received anything saying this debt belongs to me.
Product: Credit reporting or other personal consumer reports

My business partner 's brother, XXXX XXXX XXXX XXXX open XXXX business credit card accounts using my personal information. I had no knowledge of this until my credit monitoring service ( identity IQ ) alerted me of the negative account. I contacted American Express and XXXX, XXXX and XXXX to have this matter resolved. It still has not been fixed. MY business partner contacted his brother and asked him directly if he indeed did take out business credit cards in my name. He admitted to it. I will be providing proof of that conversation as well as a copy of the FTC report. There are also fraudulent inquries listed on my credit report account info : Amex Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE NOR DO I HAVE ANY AFFILIATION WITH. I CONTACTED THE CREDIT BUREUAS REQUESTING VERIFICATION, AND THIS ACCOUNT IS UNVERIFIABLE. 
THIS ACCOUNT BE FURNISHED TO MY PROFILE IS SEVERLY AFFECTING MY CREDIT. 

I HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS ACCOUNT OR CREDIT INQUIRIES TO BE REPORTED WHICH IS IN VIOLATION OF 15 USC 1681.

FURNISHING FRAUDULENT ACCOUNT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX BANK XXXX, XXXX XXXX XXXXXXXX, 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