23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my next 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance : {$110.00}
Product: Debt collection

On or about XX/XX/2021 I received a collection letter from American Coradius International ( ACI ) advising that I owed {$80.00} to XXXX and attempting to collect on such debt. At the same time, I contacted XXXX and confirmed that no such debt is owed. Based on the same, correspondence was sent to ACI requesting that they perform their due diligence and stop communicating with me. Instead of responding to my correspondence, ACI continued to send me further collection letters for two additional accounts for a total of three accounts all indicating that I owe {$80.00} To XXXX. 

ACI has violated the fair debt collection practices act and California Civil Code section XXXX. They have repeatedly ignored my correspondence and at this stage based on their violation of law I am entitled to immediate relief. 

XXXX indicates prohibits the communication by a license collection agency to a debtor demanding money unless the claim is actually assigned to the collection agency. Again, there is no outstanding debt owed to XXXX and as such XXXX has not assigned a collection account to ACI for collection. As such, this is a clear violation and I am entitled to {$500.00} for each violation in the total amount of {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 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 In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Money transfer, virtual currency, or money service

I was defrauded by a scammer when I transferred money through bank of America 's mobile app & a link to making a XXXX transfer. BOA hasn't addressed it I transferred {$400.00} to a XXXX  user on XX/XX/2019 to purchase their advertised tickets to a XXXX XXXX   final game. Bank of America promotes XXXX on it's mobile app, listing Transfer/XXXX  next to accounts and bill pay options. Yet when I was defrauded using XXXX, bank of America has not refunded the money and has not satisifcatorily attempted to recover the funds from the scam artist 's bank which is apparent XXXX XXXX XXXX. A friend of mine was scammed in a similar way but he has already been reimbursed the XXXX dollars he spent, he received the refund on XX/XX/XXXX. I called bank of America again yesterday and they indicated that on XX/XX/XXXX my claim had been dismissed as " customer being liable. '' However, there is no evidence that they reached out to XXXX XXXX XXXX  at all. I have been a Bank of American customer for XXXX years and they are now promoted the use of XXXX for transferring money but when their customers are ripped off they do not adequately investigate or seem to feel any obligation to their customers. I am very concerned that I will never get my XXXX dollars back, mainly because Bank of America is not protecting their own clients and instead are knowlingly opening their customers up to XXXX scams.
Product: Money transfer, virtual currency, or money service

Tried to send money through Western Union from the United States to XXXX. My bank declined the first time and I called them to let them know I authorize the transaction. Resent the money and Western Union put it on hold. When the person I sent it to went to pick it up there was hold. I called Western Union and they would no send my money without asking very personal questions. They asked my relation, what i was sending the money for, were the funds bein used to handle a transaction for me ... ..I asked them to cancel the money transfer that I will send it through XXXX who I've never had any problems with before. This is my hard earned money and who and for what reason I send it is my business and this was invasion of privacy. Find other ways to verify that it's me and I'm sending money.
Product: Debt or credit management

I purchased some solar panels in 2015 from a small company called " XXXX '' and during the pandemic the company went out of business so there's no one to replace or repair nor service the panels so I'm stuck with paying for panels that I can't use because they has no service agreement. No solar panel company wants to repair or replace nor service another companies product. So the collection agency says I still owe the original {$30000.00} that I've been paying for the last eight years with no reduction in the amount that I purchased them for.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit report act the visitor accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Delete account as soon as possible
Product: Bank account or service

During my XXXX year of college ( about 2013 ) I traveled XXXX. I let my bank ( U.S. Bank ) know that I would be switching to XXXX XXXX XXXX for the time being, because they have a great relationship with XXXX XXXX Bank and it would be easier for me to use my money through them. And assured them I would switch back to their service once I returned XXXX. 

I kept a small amount of money inside my U.S. Bank account ( as advised by XXXX the bankers when I told them I was traveling XXXX ). They did not warn me to freeze my account or to make sure that I do n't have any reoccurring charges. I understand these are things I should have checked for myself, but I was too busy worrying that everything was set up for my trip XXXX. 

Once XXXX I got a reoccurring charge ( a small XXXX around $ XXXX {$25.00} ) that put me just barely in the red and overdraft. But because I was in XXXX where they did not allow XXXX or XXXX, and any mail warning would be sent to my sister 's address which had no way of contacting me, I was left not knowing about this for months. And even if I found out, the program I was in did not allow me to speak any XXXX. Once I got back from XXXX the fees had stacked on top of each other until it had reached hundreds of dollars for a simple ~ {$15.00} charge. I decided to ignore it because between college and XXXX I had absolutely no money to pay for it, and did not think I had any action I could take against such a big bank. 

A couple of months ago I contacted the branch where I opened up my account and told them I was trying to get a handle on all of my debt. And that I was willing to pay it off, if they could at least be willing to work with me. The manager looked up my account, and although he acknowledged it started with such a low fee he reminded me that the event transpired such a long time ago that he was n't required to do anything. 

Just a couple of days ago I got a piece of mail from XXXX saying " Good News! We have contacted our client, U.S. Bank, and they have agreed to accept a substantially lower amount to settle the above referenced account in full ''. Saying that they will accept a one time payment of {$310.00} instead of the {$690.00} that I owe them, for a charge that started off as low as {$20.00}.
Product: Credit card

The card is CareCredit and my wife was using this to pay for our dogs vet bills. I suggested I add myself to her account so I can use it if she is unavailable to pay for vet charges. Back in XX/XX/2023 I called them and requested they remove me from this card as my wife 's payments were small but on-time which was resulting in this card impacting my excellent credit score negatively. 

They said they would remove me from the account but every month since then it is still showing up on my credit report and I've called them twice confirming my removal. They said I have been removed but now again this month it is still on my credit report. I want to get them to take me off this card account.
Product: Mortgage

Hello, My name is XXXX XXXX I am a HUD Certified counselor and helping XXXX XXXX with his mortgage loan. We applied for Mortgage assistance through The State Of Colorado and did receive it back on XX/XX/2022. USBank processed the check on XX/XX/2022 for the amount of {>= $1,000,000} which should have been applied to my loan and in this case pay it off so we thought. They instead applied it to fees according to my XXXX statement nothing was applied to the balance. I have been trying to get them to speak with me and sent in several 3rd party authorizations and they needed me to add a PIN and my company 's tax ID number which have done and just resubmitted it. I am asking you to step in and see if we can get some kind of resolution to this issue. They say he has a payment amount of {$400.00} and something but there is not payment amount on this statement or even when it is due by. XXXX XXXX is XXXX XXXX XXXX XXXX and he does not understand this. He rarely recalls even getting the loan but we do have loan docs showing where and when he got the loan.
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXXAccount Number : XXXX has violated my rights. 

NXXXX XXXX XXXXAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXccount Number : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Number : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Number : XXXX has violated my rights. 

XXXX XXXX XXXX Number : XXXX has violated my rights.This account was never 30 days late or past due 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 card

Barclays Bank opened a card for someone that was not me. They said they would close the card and send me proof and have it removed from my credit report. None of those things has happened.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit reports and I noticed Experian, XXXX and XXXX furnishing accounts on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 
List of accounts to be deleted : 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 XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Product: Checking or savings account

On XX/XX/2021 I opened up a checking and savings account and On XX/XX/2021 I put XXXX dollars into the savings account but it all of a sudden disappeared out of my savings accoun5 and then i was locked out of my account and was told to bring my social security number back into the office in order to get the lock off of my account. Today is XXXX XXXX XXXX and they still dont know where my money went. I received a text saying my money was in the account but then two ours later it said the money was gone.
Product: Credit reporting or other personal consumer reports

i reviewed a copy of my credit report and noticed that i have XXXX late payments that should be in good standing. according to the creditor they have no access to these specific dates XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2023 to current, Theft of XXXX from savings account was reported, bank refused to put thru to fraud dept, refused to investigate, refused to audit per multiple requests. Bank lowered credit by XXXX on existing credit card, refused to correct fraudulent charges despite multiple requests. Spoke with XXXX XXXX RI XXXX XXXX XXXX after denial of purchase. Received harassment call from XXXX XXXX which calls frim multiple numbers, i owe nothing to them. 
Id theft reported for yrs and mortgage realestate fraud reported for yrs with regards to several properties on federal and state level. XXXX XXXX sjould cease to contact me, Santander Bank told me a credit decrease occured without notification nor would provide a date of credit examination because there is non. Santander Bank branches XXXX and XXXX XXXX have been informed of fraudulent activities, did nothing related to the banks involvement with my deceased spouses Assets within that bank which were stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX hard inquiry XX/XX/XXXX ( not authorized, never heard of bank ). Again on XX/XX/XXXX ( not authorized ). 
Syncb hard inquiry XX/XX/XXXX and XX/XX/XXXX ( not authorized, never heard of ). 
XXXX XXXX hard inquiry XX/XX/XXXX( not authorized ). 
XXXX XXXX hard inquiryXX/XX/XXXX ( not authorized ).
Product: Debt collection

Opened XXXX XXXX in the amount of {$2400.00} is due 15 USC 1681c2
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORT.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

The issue involves an account at Wells Fargo, Crown Checking, account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX executor, XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. XXXX XXXX XXXX XXXX died in XXXX and XXXX XXXX XXXX died in XXXX. On XXXX XXXX XXXX, I requested that account ( XXXX ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, executor, be placed in account at Wells Fargo under the name, XXXX XXXX Living Trust. XXXX XXXX is the husband of XXXX XXXX XXXX, deceased, and the will of XXXX XXXX XXXX and XXXX XXXX XXXX was probated through the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Georgia. XXXX XXXX XXXX XXXX did not have a will. 

Wells Fargo refused to transfer {$5300.00} in the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, executor ( XXXX ) into the XXXX XXXX, Living Trust account. Wells Fargo stated the account, XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX, executor, had never been probated. XXXX XXXX XXXX XXXX has been dead for more than fifteen years and XXXX XXXX XXXX XXXX for more than fifteen months. XXXX XXXX is the only living heir to the account. Given the deaths of the two individuals on the XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX, executor, I am unable to discern why the account should not be placed in the requested account, XXXX XXXX XXXX XXXX.
Product: Vehicle loan or lease

In XX/XX/XXXX I moved to a new home and changed my address on my loan account. I made this change on the PNC Bank XXXX Banking site. Although my new address appears in the information when I log on to my account. I continued to to receive statements that were sent to my prior address and forwarded to me by the USPS. After a few months I attempted to have this problem corrected by contacting customer service through the online chat feature. I filled out an online form for another address change. This was probably sometime in the summer. I am still not receiving mail from PNC at the proper address. I then called into customer service on the phone and spoke to someone who supposedly updated my mailing address. This was on XX/XX/XXXX. Today ( XX/XX/XXXX ) I received another forwarded statement that had been mailed to my old address, dated XX/XX/XXXX. I am very concerned about my privacy because my mail forwarding from the USPS will expire soon. I do not want mail with my personal information including my account number to be received by the current occupant of my former apartment.
Product: Credit reporting or other personal consumer reports

XX/XX/year> submitted complaint XXXX cant access my Experian credit report. Received response on XX/XX/year> your account has been locked due to too many failed attempts XX/XX/year> submitted complaint XXXX cant access my Experian credit report. Received response on XX/XX/year> your account has been locked due to too many failed attempts XX/XX/year> received an email from Experian welcome back. 

XX/XX/year> tried to sign in again and received response your account has been locked due to too many failed attempts
Product: Money transfer, virtual currency, or money service

I initiated two ACH transfers via XXXX on XX/XX/XXXX to pull funds from my USAA account. The first was for {$XXXX} and the second was for {$XXXX}. 

Typically an ACH payment takes no longer than XXXX business days. XXXX is telling me that I will not have access to the funds until XX/XX/XXXX at the earliest because XXXX Bank is holding the funds. Over XXXX  days later since initiating the transaction in the morning of XX/XX/XXXX. I have executed this exact transfer multiple times in the past and it took no longer than XXXX days. 

I have asked USAA for help multiple times to contact XXXX and/or XXXX  and request the funds be returned. I have asked to speak to multiple managers and they are not able to assist. They are saying that the only option I have is to dispute the transaction and they are not required to give an update until after XXXX business days. It should not take XXXX business days to start the process of recalling funds. 

I was transferring funds to XXXX 's cash management account with the hope of paying bills. I am now unable to pay my bills. This is fraudulent and abnormal to hold funds for this long and USAA should be willing to assist with recalling the funds as the originator of the payment.
Product: Debt collection

A few years ago I signed up to take a course with XXXX XXXX. I made one payment and received one book and I called the school letting them know I will not be able to continue the course and after that phone call I never heard back from the college no emails, no phone calls, no mails. When I check my credit report and I notice Ability Recovery Services states that owe this XXXX money. At some point they remove the debt and then add it back on which is totally illegal. 

If I owed XXXX XXXX any funds, why didn't the school reach out to me or sell me my debt for whatever percentage it was sold to Ability Recovery Services. 

This Company is a scam and they need to be stop.
Product: Credit card

To whom it may concern. I have been a long time customer from macys. I never had any issues. Recently I ordered todler clothes. I con an email saying it's delivered at my mail box. Upon checking I didn't receive anything. I tried to resolve this with macys they dismissed me by saying there's nothing we can do. Your responsibility is to pay. Pay for something i.never received. It's unbelievable I need help please I'm sure this isn't legal.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from Discover. The email was requesting that I complete IRS Form XXXX XXXX XXXX. I first thought why & under what authority does Discover have to request my tax returns. I called Discover Credit Card & spoke to a Discover Representative & shared my concern. She advised me to ignore it because it was a scam, but I felt that she was not taking the matter seriously, so I asked to bespeak to the FRAUD DEPARTMENT. The Fraud Dept. Rep. advised me that Discover is demanding that I complete IRS Form so they can verify mt identity and taxes. I asked the Representative under what authority? I was told in a patronizing & sarcastic tone " IN THE CREDIT AGREEMENT '' I looked at the agreement & couldn't locate the wording. I asked the Rep.To please guide me to where on the agreement it states that Discover can at any time ask for my tax returns. The Rep.stated, " I don't know where it is ''. I asked to speak to a Supervisor and was told that a Supervisor was not available & if I don't comply my credit cards will be permanently closed. I had one Discover Card & since day one I have an EXCELLENT payment history.i had the card from XX/XX/XXXX until XXXX. I refuse Discover to have access to my Tax Returns. Allowing Discover access to my confidential IRS data is insane. They already have access to my entire credit reports from the credit bureaus & the authority to share all my private information with their business partners & affiliates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft : XXXX XXXX XXXX