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

I was scammed by XXXX on XX/XX/2023. I supposed to purchase a chihuahua puppy but I didn't receive a puppy. I paid {$820.00} to XXXX XXXX ( XXXX ), I used XXXX to send my payment for the puppy ( XXXX to XXXX XXXX - XXXX - REF # XXXX - I LOVE XXXX ). I communicate with him thru text messages at ( XXXX ) XXXX and email : XXXX. I paid {$1700.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the Air Conditioned Pet Travel Crates Rental ( thru XXXX to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX ). I communicate with him thru phone ( XXXX ) XXXX and email : XXXX. He said that it is 95 % refundable upon the arrival of the puppy at home. Later, XXXX XXXX informed me that the puppy is put on hold because the pet needs insurance at XXXX XXXX XXXX XXXX. I paid {$1500.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the XXXX XXXX XXXX XXXX XXXX ( {$700.00} - thru XXXX to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX and {$800.00} - XXXXXXXX XXXX to XXXX REF # XXXX ). He said that it is 95 % refundable upon the arrival of the puppy at home. It's too late for me that my relatives and friends told me that XXXX is a SCAM and it is included in the list of XXXX Scams at the websites. Again after XXXX hours, XXXX XXXX informed me that the puppy is put on hold again because the pet needs Vaccination and Rabies Shot at XXXX XXXX XXXX XXXX. I need to send {$1300.00} and It is refundable also upon the arrival of the pet. I didn't send a money anymore because I learned that it is a SCAM. I tried to call him for the refund of the money that I send but he refused to give my money back. According to him that the puppy is already at XXXX XXXX XXXX XXXX. He said also that if I don't send a payment, FBI will arrest me for the abandonment of a puppy at the airport. I lost for the total of {$820.00} + {$1700.00} + {$1500.00} = {$4100.00}. This is a big lesson for me. As of now, many online websites are fraud. I need to be careful next time especially when I send the money. I tried to contact my bank, Wells Fargo to dispute or reverse my payments thru XXXX and XXXX XXXX. Since those apps are considered as cash payment, they can't reverse my payments and the money that I send to them are totally lost. Sadly, the address of the breeder, XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, Texas belongs to the real owner, XXXX XXXX. The address of XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, Texas XXXX belongs to XXXX XXXX and XXXX Co. I would like to request for your help. My bank told me that the payment transactions that I did will be reversed if I have a police report and FBI reports. I hope that you can help me to arrest the scammers and help the victims of XXXX
Product: Debt collection

American profit recovery reached out to me and told me that I owed a debt I made arrangements to pay the debt on XX/XX/XXXX of 2024. I didnt asked him for a receipt. They sent me a piece of paper stating that we value your business as a customer nothing shows a actual receipt to prove that I paid the only receipt that I have is a bank statement saying that I paid American profit recovery the amount that was owed they reported to my credit bureau that I still owe the debt and I contacted their office again asked them why they reported false information. They hung up on me and reported it again to the credit bureau that I still owe the debts, they hindering my rights as a consumer to apply for a home because theyre providing false information to the credit bureaus
Product: Student loan

Aidvantage does not give an option to put extra payments on principle. They have stated it is not possible to do so in their site. 

This leads to an unhealthy relationship with the individuals student loan and accrued interest. We as citizens should have a right to accurately pay our loans off with due diligence. The provider Aidvantage refusing an option to pay more on principle strips us from that right.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 


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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 of 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

Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. Below is the list of the fraudulent items I found on my Credit report that needs to be removed as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX XXXX Owed : {$0.00} US DEPT ED XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX XXXX Owed : {$0.00} US DEPT ED XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please provide me with copies proof of verification or any documents resulted from your investigation proving that these accounts and information belong under my name. If you can not provide me any documents, please remove the disputed accounts and information off from my Credit File
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX  is unverified by the XXXX XXXX XXXX and court trustee of the XXXX XXXX XXXX XXXX  XXXX  XXXX, as it is known that the court and court trustee are not credit furnishers to credit reporting agencies. Information is assumed and not verified by a complete social security number that the XXXXXXXX XXXX XXXX omitted from public record as a result of Federal Regulations that the Federal Government has put into effect to protect consumer rights against invasion of privacy.
Product: Payday loan, title loan, or personal loan

I defaulted on a Payday loan and now they are threatening me with jail time and a law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 XXXX XXXX made an unauthorized, fraudulent hard inquiry to my Transunion report. Attaching my police report for related identity theft/fraud. Transunion instructed me to contact each company making fraudulent inquiry on my report individually.
Product: Debt collection

I never received anything about this matter. 
But I did look it up on court docket. Im being sued by Messerli & Kramer for the amount {$1100.00}. File date XXXX XXXX XXXX This is a debt collector for a credit card.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC Equifax Inquiries- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX *HAVE ALREADY CONTACTED THE CREDITORS AND THANKFULLY NO ACCOUNTS WERE OPENED DUE TO THESE INQUIRIES. JUST NEEDING TO GET THESE INQUIRIES REMOVED SINCE THEY WERE FRAUDULENT* *GOT A LETTER IN THE MAIL SAYING YOU COULDN'T COMPLETE THIS BECAUSE YOU COULDNT VERIFY MY IDENTITY. IM GOING TO ATTACH THE THEFT REPORT ALONG WITH A COPY OF MY DRIVERS LICENSE AND SOCIAL SECURITY CARD ALONG WITH A UTILITY BILL SO THAT YOU CAN CONFIRM MY CURRENT ADDRESS.
Product: Checking or savings account

Dear CFPB Representative, I am writing to file a formal complaint against Capital One regarding the handling of my account in relation to a disputed wire transfer initiated by a client for whom I was providing concierge services. 

The sender engaged my services as a concierge on XX/XX/24 til XX/XX/24, and the attached messages detail the nature of our relationship. I understand that the sender is disputing the wire transfer due to personal reasons, specifically involving marital infidelity. While I empathize with their situation, I believe it is important to separate personal matters from financial transactions. 

I am seeking the intervention of the Consumer Financial Protection Bureau to facilitate the prompt release of all funds held in my account by Capital One, including the disputed {$15000.00} transfer. Additionally, I request the reopening of my account to restore access to banking services. 

This action has caused significant financial hardship and distress, as I rely on my Capital One account for essential expenses and daily living. 

I appreciate your attention to this matter and look forward to your assistance in resolving it expeditiously. 

Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and found inaccuracy in my account and would like them to be corrected.
Product: Debt collection

Repeated phone calls with obscene language. Poor customer service. Rude, disgraceful, no customer satisfaction provided.
Product: Mortgage

I closed on my house sometimes last year in XXXX ; after closing the bank that service my loan cut mail a check which was mailed to my closed property address. Somewhere along the line someone intercepted the check and was trying to cash it with XXXX XXXX XXXX Bank in XXXX XXXX. The bank XXXX XXXX XXXX contacted me on the phone to establish if the person trying to cash the check was legitimate, turns out it was fraud. 

XXXX XXXX XXXX bank explained to me the process my loan servicer need to take to have the check return to them so they can cut me a new check, since last year my servicer has been given me the run around all to no avail. I need help to get my money back. 

My servicer was AmeriSave ; the check was drawn on Bank XXXX XXXX and an attempt to cash it was made on XXXX XXXX XXXX bank. 

AmeriSave said it showed in their record the check was cash, but I explained to them the check is being withheld by XXXX XXXX XXXX fraud department, I have no clue why it is taking Amerisave this long to resolve my case by issuing me another check. Please help. 

I will supply the name of XXXX XXXX XXXX XXXX Bank XXXX fraud dept. with number, my loan number and other information upon request. 

Thank you
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My account with XXXX XXXXXXXX XXXX  is currently is in good standing with a zero balance was illegally sold to a debt collector who is ruining my credit, harassing me for payment on an account I do NOT owe on. I have gone over and over with both companies- XXXX XXXX has me in good standing, zero balance and says I was not sent to collections, but yet can't help me figure out what is going on. When I speak to Midland Credit Management they say I owe this account. I have sent in years of statements to prove I don't owe this, to show my accounts are in good standing with a zero balance. XXXX XXXX keeps hanging up on me and Midland gives me the run around now. I don't know what else to do at this point. I will be meeting with an attorney to sue them both, but what they are doing is ILLEGAL. Midland account # XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The only name that should be on my credit report is XXXX XXXX XXXX The only address that should be on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not wish to list any phone numbers on my credit file Any other names and or addresses listed are incorrect please remove them
Product: Checking or savings account

I deposited a check for {$300.00} dollars to my chime account. It cleared and right after I got an emails saying my account is closed. I cant log in, and they wont let you speak to someone you can only email. 

Ive been emailing them 2 days now no one is responding anymore because they cant explain why my account was closed. I was also paid 2 days before that.
Product: Mortgage

I had a home equity line of credit with First Merit Bank now part of XXXX and recently closed it due to the sale of my condo. I was assessed an account closure fee of {$350.00} even though the schedule of fees did not include this fee. Buried in the language of the loan documents it said that they MAY charge an account closure fee. It did not state that they would charge a fee. I spoke to an individual that stated even though the language says they may charge a fee it is their practice to charge a fee. This language is extremely ambiguous as the institution can pick and choose who they want to discriminate against and charge this fee. Being a XXXX customer, I feel that I was unfairly discriminated against due to my XXXX background. Further I believe this to be a UDAAP violation as they are engaged in a deceptive practice indicating that they MAY charge a fee when they do charge it. 

A formal investigation should be opened against this institution and there should be a regulatory enforcement action against them.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal complaint regarding the reporting of inaccurate and incomplete credit information. 

I am troubled by the inclusion of the following information in my credit profile, as well as the lack of reasonable procedures in place to ensure the utmost accuracy in the credit reports you publish. Credit reporting laws mandate that bureaus only report completely accurate credit information. Therefore, it is crucial to thoroughly investigate the following information : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Please remove it from my credit report. 



XXXX. Validate Account XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX, XXXX. 

Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX CO, XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX  Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 


I kindly request to be provided with evidence of this alleged item, specifically the contract, note, or other document bearing my signature. 

If unable to provide such proof, I insist that the item be promptly removed from the report. The listed item is entirely inaccurate and incomplete, which constitutes a significant error in your reporting. Please delete this misleading information and provide corrected credit profiles to all creditors who have received copies within the last six months, or the last two years for employment purposes.

Additionally, please furnish the name, address, and phone number of each credit grantor or other subscriber.

According to federal law, you have a period of thirty ( 30 ) days to complete the re-investigation. Please note that I also request a description of the procedure used to determine the accuracy and completeness of the information, which should be provided within fifteen ( 15 ) days following the conclusion of the re-investigation.
Product: Credit card or prepaid card

A XXXX  prepaid card account was opened in my name without my permission or authorization. The physical card was delivered by XXXX on XX/XX/21. I called XXXX on XX/XX/21 at approximately XXXX EST, and spoke with representative named " XXXX ''. I informed XXXX that I did not open a XXXX account and that the card was likely an attempt at fraud and identity theft. I asked XXXX to ensure the account was not activated and to investigate the facts and circumstances of how the account was opened. XXXX provided a case number ( XXXX ) and advised me to call back in 24 to 48 hours for more information. 

I called XXXX on XX/XX/21 at approximately XXXX EST and spoke with a representative named " XXXX ''. She advised me that the facts and circumstances around the opening of this account were " in review '' by their " back office '' and could not provide any additional information. She suggested I call back in 24 to 48 hours.

I need to understand how this account was opened and what information was used to determine if I am the potential victim of an identity theft attempt or other fraud. 

XXXX is unable to provide this information.
Product: Credit card

I have had my Synchrony credit card for years. I have a XXXX balance. The interest rate keeps being increased and is at XXXX percent and I have never been late. I have asked them numerous times to decrease the rate. They say all their customers are at XXXX percent. I feel they are cheating their customers and something has to be illegal with this.