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

I went on vacation in XXXX XXXX XXXX XXXX, CA and bought XXXX XXXX tshirts. They were bundled in cylinders so I couldn't see the physical size. It wasn't until well over 10 days later I got back and washed the shirts to realize one is a misprint and on ( what has to be ) a medium sized shirt. I called to open a dispute with my bank SouthState and the lady screwed everything up. She opened the dispute, but then ( for no reason at all and not by my request ) opened a dispute on an entirely different transaction from an entirely different day. This happened to be for upgrading my wife 's plane ticket for an upcoming work trip. I didn't find out until I got a letter in the mail stating " they're still investigating it. '' I had to call in last week and the bank apologized profusely for their " bank error '' and canceled it. The original dispute was then declined because they supposedly reached out to " the company '' and was told no refunds after 10 days. According to South Carolina and California Consumer Protection Laws : " Manufacturers are strictly liable for product defects that happen in the manufacturing process. Strict liability means the manufacturer is the responsible party by law '' I've made SouthState bank aware that I am in receipt of defective goods and this transactions violates consumer protection laws. I'm also making it public information that SouthState bank disputed a transaction in my checking account - at random and at will which could have resulted in time and monetary loss on my end IF I hadn't contacted them to cancel.
Product: Credit reporting or other personal consumer reports

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/year> XXXX. I DID NOT AUTHORIZE THIS ACCOUNT AND DONT KNOW THE COMPNAY OR ADRESS. THE PAYMENT HISTORY SAY 30 DAYS XXXX TIME XXXX BUT XXXX EXPERIAN. THIS IS NOT VALID. 
XXXX  Account Number : XXXX REMOVE AND DELETE XXXX. THIS ACCOUNT DOES NOT HAVE ACCURATE INFORMATION AND I DIDNT AUTHORIZE IT. 
PAYMENT HISTORY SAYS DIFFERENT ON EVERY REPORT. LAST PAYMENT SAYS MAY ON XXXX BUT XXXX ON EXPERIAN. HOW CAN ITBE COLLECTION BUT CHARGEOFF JPMCB CARD Account Number : XXXX DELETE AFTER REINVESTIGATION XXXX. I DID NOT AUTHORIZE XXXX ON MY CREDIT REORT OR KNOW OF THIS. I DONT RECOGNIZE IT. THE OPEN DATE IS DOFFERNT ON EVERY REPORT. The last paymet say XXXX on XXXX BUT XXXX ON XXXX. This is a big ERROR XXXX Account Number : XXXX DELETE AND DELETE XXXX. THIS IS NOT AUTHORIZED BY ME. THE ACCOUNT SAYING CHARGEOFF AND COLLECTION. IT CANT BE BOTH.THE OPEN DATE IS DIFFERENT ON EXPERIAN AND XXXX HOW CAN THIS BE. 
XXXX XXXX  Account Number : XXXX DELETE FROM MY REPORT TODAY XXXX. This account is not authorized by me and I DONT KNOW WHO XXXX IS OR HAVE BUSINESS WITH THEM. THE ACCOUNT SAYS COLLECTION AND CHARGEOFF BUT CAN BE BOTH. IF WHY IF THE DATE OPEN DIFFER ON XXXX AND XXXX AND EXPERIAN. ISNT THIS A BIG MISTAKE XXXX Account Number : XXXX PLEASE REINVESTIGATE AND DELETE XXXX. I DIDNOT GIVE PERMISSION OR AUTHORIZE THIS ACCOUNT. PAYMENT HISTORY IS ALSO OFF. 
PAYMENT SCHEDULE SAY 90 DAYS LATE XXXX TUMES ON XXXX BUT XXXX  TIMES ON EXPERIAN. IS IT CHARGEOFF OR COLLECTION. THE AACOUNT IS AN ERROR AND DAMAGES MY REPUTATION XXXX  XXXX  Account Number : XXXX PLEASE DELETEl
Product: Payday loan, title loan, or personal loan

I have not applied for loan. Everything that is reported is inaccurate from dates to account number In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on the refit report. This grounds for removal they also violated my rights under 15 US C 1681 section 602 states I have the right to privacy. 

15 U.S.C 1641 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my writer instructions. 

Also the Credit bureaus took more than 30 days to complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent Identity Theft Reports and Delete letters along with the 605B letter to XXXX, XXXX, and equifax, to remove account : XXXX XXXX XXXX under account number : XXXX.
Product: Credit card or prepaid card

I have an online banking account ( checking/debit card ), Current, ( debit card issued by XXXX XXXX XXXX XXXX. XX/XX/2020, at approximately XXXX XXXX I woke up and saw a notification on my cell phone from the Current bank app. When I opened the app I found that my account had been emptied, all but {$7.00}. There were seven different charges on my debit card made that day, XX/XX/2020, between the time XXXX XXXX  - XXXX XXXX, all from the same merchant. 

Every charge displayed on the app listed the merchant as " XXXX XXXX XXXX  ". Total amount taken from my checking account was {$670.00}. I immediately contacted my bank to dispute. At that time all seven charges were still in pending status. The Current representative, via online chat in the Current app, stated I'd have to wait until the charges cleared in order for them to dispute the charges. Also stated it could take 30-90 days to get my money back and that a police report was not needed. After leaving the chat I sent the issuing bank an email in an attempt to understand how this could possibly happen ( no response as of XX/XX/2020 ). Later that same morning, I contacted a Current representative who emailed me a dispute form. I completed and immediately returned that same day ( XX/XX/2020 ). Current acknowledged the receipt of the document. 

I XXXX the merchant and it appears to be a bank in XXXX. It seems that any banking institution should have recognized obvious illegitimate activity considering there were seven charges for hundreds of dollars made in a span of 8 minutes from a foreign bank in the middle of the night. 

It has now been a month and I have not once received any communication from any entity that I have reached out to ( Current, XXXX XXXX XXXX, XXXX XXXX, or the bank associated with the fraudulent charges ). Several times over the month I have used the Current chat feature in an attempt to get any form of a status update. Every representative tells me the same thing, to wait and the dispute team will notify me. I've asked why I didn't get the 10 day provisional credit, because I am a single parent of a child with a XXXX XXXX who works full time and {$670.00} to me, are essential funds. This has set so far behind on everything financially. 

My paycheck is direct deposited into this account and I'm terrified of this happening again considering how easily it was allowed to occur. My debit card number was stolen, I can't find out how, I can't find out how a banking institution has such lax security measures, I can't find out when I'm going to get desperately needed funds returned. I'm assuming the bank is going to wait until the very last required minute to refund the money? Is there a mandate detailing requirements to meet regarding the 10-day provisional credit or is that just an option?
Product: Debt collection

This letter is a second request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX XXXX. 
The United States, 328 F.3d 132, 139 ( 4th Cir. XXXX ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed.XX/XX/XXXX. 

The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate item below : Please delete the following inaccurate item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I stayed at the resort once but only paid for the room for the time I was there and was forced to attend a presentation. This account is not mine as I did not purchase anything from them. They had all my personal information and brought out a bunch of paperwork and contracts for a vacation package. I declined the offers, they had my ID and other personal information. I realized they took my information to process transactions & opened an account without my consent. They have been billing me and I've made payments just because I don't want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this with the credit bureau and had no resolutions. This is a scam. I do not have a legitimate account with this company. I had been defrauded and taken advantage of. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but Ive had no responses. Ive sent out requests to XXXX  and TransUnion and to the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, consumers have the right to request validation of debts being negatively reported to your credit report. On XX/XX/XXXX, I mailed an initial validation letter to XXXX XXXX XXXX requesting they provide documentation showing proof this account belongs to me. On XX/XX/XXXX, I received a letter stating the debt had been validated, however no documentation was provided showing a contract between XXXX XXXX XXXX and myself bearing my signature. As a result, I sent a follow up letter on XX/XX/XXXX to them requesting for second time, they provide proof or remove account from my credit report. On XX/XX/XXXX, I received the same letter stating the account was correct and had been validated. I have not received any proof or documentation bearing my signature or any legal contract. Therefore, this account has not been validated as required.
Product: Credit reporting or other personal consumer reports

I have requested a copy of my full credit report and they are refusing to send me a copy. I I would like a full copy of my credit report sent to me at my address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a court ordered annuity guaranteed the annuity payment {$170000.00} due XX/XX/2029 was sent to Chase XXXX {$44000.00} missing {$130000.00} I contacted XXXX XXXX XXXX XXXX they disconnected my calls policy # XXXX cant be found on the online resource. 
I notified the attorneys that filed the negligent lawsuit in NJ XXXX XXXX. 
Ive since been scammed on the internet filed an IC3 complaint and closed my chase bank account. 
Not sure why the company is in default of the court order. 
There is a gag order
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, Equifax I had some unauthorized inquires you refuse to put them in dispute, I tried calling over the phone, and sending in a cfpb complaint nothing seems to work. Once again please investigate and remove these unauthorized inquires.
Product: Credit card or prepaid card

I made two XXXX XXXXXXXX credit card payments using my chime account on which I loaded one payment on XX/XX/XXXX to make a payment which chime financial services did not issue the payment until XX/XX/XXXX making the payment to my creditor semi late again I loaded a payment to XXXX XXXX in the amount of XXXX dollars on XX/XX/XXXX which again chime failed to issue the payment until XX/XX/2023 thus making my payment late and or missed. They continue to make errors through failure to issue payments on time. When confronted on the issue I continue to be hung up on the phone.
Product: Money transfer, virtual currency, or money service

My Paypal account was used to make a purchase off a website called XXXX. The website was a preorder business for sneakers and Paypal was the only accepted form of payment. Three total sneakers were ordered off the website on separate transactions : The first on XX/XX/2022 in the amount of {$220.00}, next on XX/XX/2022 in the amount of {$210.00}, and finally on XX/XX/2022 in the amount of {$230.00}. The transaction total was {$660.00} and was all paid to the merchant through my Paypal account. Prior to delivery of the merchandise the business had gone bankrupt, therefore I never received any of my orders. I immediately filed a claim with Paypal by XX/XX/2022 to try and get a refund for my purchase. The claims were escalated by the representative, but was denied citing reasons that " buyer protection '' does not apply to items purchased with the intent to resell. The ordered merchandise was solely for my own personal use and collection. There was no intent to resell or redistribute the purchased merchandise. Have been attempting to reopen claims, however Paypal continues to refuse refunding my purchases even though it falls under their buyer protection policy. Trying to seek resolution but thus far have bene unsuccessful as Paypal continues to assume my intent for purchase was to resale.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removal of the inaccurate information about my accounts has been diligently neglected by the 3 Credit Bureaus. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, they have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below is the account that still reporting on my account : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}
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 : LAUNCH SERVICING, LLC # XXXX, Account name : LAUNCH SERVICING, LLC # XXXX, Account name : LAUNCH SERVICING, LLC # XXXX has violated my rights. 


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: Bank account or service

Hi, I opened a new business account with US Bank in XXXX AZ for a new business that needs merchant services. This started XX/XX/XXXX. US Bank uses Elavon for the Point of Sale Device and referred me to an Elavon representative. I decided to purchase a device. To this date I can not not get an invoice from them and this company has taken {$1400.00} from a new business account that only had XXXX in it to start the account. I found this out because I had an insufficient funds notice from US Bank plus overdraft fees. I have since put a check in to cover the amount. I was waiting for an invoice. The representative told me it was all in the fine print when I was sent a secure email for my signature. It was not and they wo n't send me a copy of anything. They also charged me for {$160.00} that XXXX does not know what it is for and I also had a {$200.00} rebate which I have not received. Elavon merchant services has taken all of the credit card payments from customers to pay for this device as well as as I had to deposit {$1300.00} in the bank account on top of that plus the original {$100.00} I had deposited to open the bank account.. The original cost of the device was quoted to me as {$1100.00}. 
XXXX is the Elavon representative that I was given and she is out of the Nevada office. Her manager is XXXX XXXX phone number XXXX. US Bank has not given me any assistance and I have called names for help on up the USBank/ Elavon ladder. No one has helped me to solve this. I am afraid they will continue to take fees out even after the fact. I do not even have an itemization of their transaction fees. The sales rep would only verbally give them to me over the phone and of course I received nothing from US Bank. The Rep also said she sent me secure emails but I have no notification of her sending emails after I called her. I did receive a secure email from Elavon on XX/XX/XXXX but I contacted XXXX because I received an error message that their server could not retrieve the message. She did not resend anything. This is an issue that did not need to happen and the attitude and false statements I am being handed is an outrage. I am losing money with them and I do not know how much more Elavon plans on taking or charging me. They have extracted more than the purchase price at this point. 
Sincerely, XXXX XXXX RE : XXXX Az businessin XXXX, AZ Please let me know what other information you need.
Product: Credit reporting

On my Equifax Credit Report, Under Account Details for XXXX, it shows Customer Deceased. I have called in the Past and Spoke with XXXX different Customer Services Representatives at Equifax, who ensured me that error was corrected at the time but as a today still shows the same error. I ca n't get my credit scores neither apply for anything because they denied me for that error.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Transunion credit score dropped 80 points due to an adverse account from XXXX XXXX XXXX. I didn't have a loan with them but I did have a loan with XXXX XXXX. I bought a new auto from XXXX on XX/XX/2019 and financed the {$11000.00} balance for 60 months. On XX/XX/2019 I called XXXX and asked for the payoff amount. It would be {$11000.00} on XX/XX/2019, so I sent them a check that day which they made effective on XX/XX/2019. As you can see the auto was paid for before the first payment was due. I contacted XXXX about the credit report problem and they said that they would send me a payment history report and so they did. It showed everything that I have stated to be true and it also showed that I had an excess balance of {$9.00}. In the mean time I had a dispute filed with Transunion about this matter and they said that the adverse is still active on my account.The account No, XXXX XXXX XXXX XXXX It also reduced my wife, s score 75 points XXXX XXXX
Product: Student loan

Loan in good standing, paid off two months ago, then transferred to new servicer ( from XXXX to American Education Services ). On XX/XX/2017 I had {$19.00} taken out of my checking account without my consent to cover a supposed {$0.00} remaining balance ( even though the loan was paid off, and shows on my credit reports as paid off/closed ), but that {$19.00} would be returned to me within 30 days. Today, only three days later, another {$19.00} has been taken from my account without my consent ( or even providing the new servicer with my account information ) for my PAID-OFF LOAN, and their site has very little usable information. This ca n't be legal. I ca n't afford to keep having random payments I did n't agree to taken out of my checking, again, for a loan paid in full months ago. Are there damages I can collect for this?
Product: Payday loan

The lender withdrew funds from my bank account a few day from the normal pay date. When I called I was informed that due to the holiday they redrew the funds earlier and it resulted with my account being overdrawn.. I also looked over my payment history dating back XXXX 2016 up to XXXX and noticed that I am paying more when my previous balances were less and my payments were less.
Product: Mortgage

I have contacted BSI Financial services dozens of times over the past three months to pay my property tax bill and correct the amount they have listed and they have continually refused to do so. 

Every attempt to contact customer service has been contentious, unprofessional, and unhelpful. It doesnt even feel like a legitimate organization as they dont send any confirmations or confirm any updates to your account. They are refusing to process my property tax payment until the due date and they will overpay by roughly {$600.00} because they have the wrong amount. 

When asked where they got their dollar amount from, they stated the postal service. Ive provided my tax bill and they continue ignoring my requests to process my payment and update the amount.
Product: Credit reporting or other personal consumer reports

There are all fraudulent inquires on my XXXX bureaus XXXX, XXXX and Experian credit reports that I did not authorize as shown below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 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 duplicated inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2022, a credit card/line of credit was opened in my name through an XXXX XXXX XXXX XXXX Maryland. The financial institution is Great American Finance XXXX XXXX XXXX. The amount spent was {$1600.00} and it has a {$3000.00} credit limit. 

On Thursday, XX/XX/2022, I received a bill from Great American Finance XXXX XXXX XXXX with a minimum balance to be paid of {$150.00} ( {$79.00} current and {$79.00} past due ) by XX/XX/2022. This was not me! 

I spoke to Great American Finance XXXX XXXX XXXX this morning, XX/XX/2022 and they told me to file a Fraud Report with the FTC, a police report, which I just did with the XXXX Police Department in Montana, and provide them with my ID and verification of my address. 

Could you please look into this? I am nervous because it was opened with my social security number and other identifying information and I'm worried other debt has or will be opened in my name. 

Thank you.