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

I was scammed by a phone number pretending to be amazon on XX/XX/2021 and transferred money to them. I ordered books that I had not received and was calling to get a refund. They said they needed to do it through my checking because I used my girlfriends card and since her name was not on the order it had to be mine. They asked for the last 4 of the debit and said they didn't need the whole number but it did not work initially so I allowed them remote access to see what was going on in the amazon app. This person then transferred me to a manager in the " banking department '' who walked me through the scam. I realized something wasn't right because this person started asking about bitcoin and cryptocurrency to which I have no dealings. I let them know that I would be hanging up and calling my bank. This person called me back from a XXXX number to which I let them know that I would be going through my bank. I tried to call and stop the transaction while it was pending but I could not. The number that XXXX provided as amazons number is XXXX, they then transferred me to a manager in the banking department at XXXX and this person had me fraudulently enter a verification code/transfer a dummy amount of {$490.00} to " XXXX XXXX '' to make sure they matched the account that was on file with amazon. This was through XXXX and the number provided for the transfer was ( XXXX ) XXXX.
Product: Payday loan, title loan, or personal loan

I was sold a solar system from XXXX XXXX XXXX XXXX XXXX XXXX of 2021. The company told me I would receive a Government incentive of XXXX this was misrepresented. The company sales person filled out my loan paperwork on a tablet, I was never given paper copies of anything. Or told of my timeline to cancel. The company filed bankruptcy without completing my Solar Installation, and Dividend finance company is still holding me responsible for the loan without me receiving anything in my contract. The loan is set to ballon if I dont give them {$14000.00} the full amount of my estimated Government Solar rebate. This rebate is not a lump sum or automatic, you have to qualify. Had I been informed about this I would not have agreed to get Solar. Had I know that the products being used were faulty, I would not have gotten the loan. I dont understand how I can be responsible for equipment that wasnt installed and services not being provided and they expect the full price of this system which is nearly {$60000.00}.
Product: Debt collection

I submitted a debt verification letter to Syndicated Office Systems on XX/XX/XXXX via cert. mail. I did not receive a response. I reached out to the company via phone at XXXX on XX/XX/XXXX and spoke with a XXXX. He informed me that the account is in " Review Process '' therefore the only option I have at this time is to pay the account. I asked when was the account placed in this status ; he informed me that in XX/XX/XXXX. He was not able to inform me as to when the account will be taken out of this status. I ask to speak with his manager or provide me with his manager 's information. He refused and stated that there is nothing that he nor his manage can do for me at this point if I am not willing to pay off the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been an apparent data breach at Equifax and according to their own sources, www.equifaxsecurity2017.com, my information may have been stolen due to their lack of security.
Product: Debt collection

I have a debt from Capital One Bank about a credit card that I never opened. The debt collection agency directed me to this website. The account was opened without my consent. I split up with my ex wife in XXXX of XXXX the account was opened sometime in XXXX using that address where I was living with her. I have never opened anything with Capital One Bank  until XX/XX/XXXX when I went for a car loan and dealership checked if Capital One would offer me a loan. I was denied the loan because they said I have deliquent accounts with them but I never had any account with them. Next thing I notice on my credit report is XXXX XXXX in debt collections.
Product: Credit reporting or other personal consumer reports

There is an account from applied bank {$1000.00} with 13 late payments that also shows as closed only on the consumer reporting agency experian which is a violation of my consumer rights 15usc1681A ( d ) ( 2 ) a and 15usc6802 and I demand that this account be and late payments be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A, states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX SS # XXXX CELL PHONE : XXXX XXXX XXXX LOCATION XXXX XXXX XXXX XXXX XXXX CA XXXX SYNCB/PPC ACOUNT # XXXX. 
SYNCB/XXXX  ACCOUNT # : XXXX I SHOW THE DOCUMENTS WHERE PAYPAL ACCEPTED THE PAYMENT WITH THE OBJECTIVE OF REMOVING ALL INFORMATION SUCH AS 30,60,90, DAYS LATE PAYMENTS, CHARGES OFF AND COLLECTIONS OF MY CREDIT LINE OF XXXX, XXXX , AND XXXX... SINCE THEY HAVEN'T BEEN ABLE TO HELP ME WITH ANY OF THIS... I LOOK FORWARD TO HEARING FROM YOU IN 30 DAYS. AND I HOPE THEY SEND ME THE CORRECTION AND UPDATE. 
Note SYNCB/PPC ACOUNT # XXXX. 

SYNCB/XXXX  ACCOUNT # : XXXX THESE TWO COMPANIES ARE PAYPAL AND THEY ARE REPORTING THE SAME IS THE PAYPAL COMPANY
Product: Vehicle loan or lease

On XX/XX/2021, I went there for a consumer credit transaction, and due to my knowledge as of the timing of this complaint, Ive realized that this whole transaction was a fraudulent act that was taken against me during this transaction and after this transaction, the dealership which I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX. Violated all Acts 1 Act : Title 15 U.S.C. 1605 Due to my knowledge the finance charge covers everything, including premium.. which I was wrongfully made to purchase myself knowing the finance charges covers premium.. also there was cash involved which they made me put a down payment of {$10000.00} plus a sum of {$900.00} for my own premium insurance Act 2 : title 15 U.S.C. 1611 I was given false information throughout this whole transaction Act 3 : 15 U.S.C. 1662 They promoted a down payment which is illegal and unlawful Due to dishonesty in this transaction, I do not know if this company really had an insurance license, because I know its required to sell consumer contracts. So therefore I was also violated for my premium rights, had to pay out of pocket, which were already covered for. Also theyre withholding my receipts; personal property.. after Ive tried to retrieve it from them countless times. Also Act 4 : title 15 usc 1635 they did disclose that I had the right to rescind the contract
Product: Credit reporting or other personal consumer reports

I don't know who this Company is, I don't have any binding CONTRACTS WITH YOU, Stop All communications until you send me All Validation of Debts Documents.Why did you report on XX/XX/year> for ( {$750.00} ) & ( {$390.00} ) According to 15 U.S.C.1692 ( c ) You have VIOLATED my RIGHTS by unlawful COMMUNICATION. PLEASE Remove this XXXX off my Credit Report Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I mistakenly sent {$200.00} to the wrong person. They had the same last name as the person that was supposed to get it. I immediately logged on and tried to stop the transaction, but it was already complete. I then immediately called Wells Fargo and asked them to reverse the charges. They created an inquiry ticket and told me they would " research '' and let me know in 7-10 days. I spoke with XXXX who was kind of rude which is surprising because their customer service is ALWAYS XXXX. 

On Wednesday, XX/XX/2023 I called back to follow up and see if they could issue me a conditional credit. They said they were unable to. When asked why they said because it wasn't their fault, but there was a claim out there with the bank I sent the XXXX too, XXXX XXXX. So they had no answer for me. 

Today, Friday, XX/XX/XXXX, Day XXXX, Wells Fargo said the claim was closed. How, XXXX? 

I am in no financial position to lose {$200.00}. I need this remedied immediately. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase bank has been reporting incorrectly to the credit bureaus. I opened my Chase Card on XX/XX/XXXX, received my card on XX/XX/XXXX. On XX/XX/XXXX I pre-emtively notified a chase representative regarding a large purchase I planned on making that after noon. My account was notated, and the representative cleared my account to make the purchase. 
While attempting the make the purchase my card was declined. Highly embarrassed and frustrated considering the fact, I was assured my account was cleared for large purchase, and secondly this happens while with a business partner. - I cancel my credit card. 

I call chase to file a complaint, I was reassured I would no longer experience such problems. I decided to reopen my chase card. I make the purchase aforementioned. *This is where my problems start* The end of XX/XX/XXXX Im notified that Chase reports a high utilization to credit bureaus- subsequently dropping my credit score 60 points. I call chase again for further clarification, was told my statement date ended on XX/XX/XXXX. Which leaves me even more confused. ( How can a statement account close, in less than 30 days of it opening? ) Nor was I ever informed statement close date -until it was reported to credit bureaus. 

*My wife and brother-in-law both have chase cards 9 total and both having closing date at least 30 days of the original opening date furthermore my brother-in-law opened the same type of card the same day as me but his closing date was 30 day while mine was 2 weeks from opening. 

The representative stated my closing date going forward is the XXXX of every month. 
Second Issue : My account closes with a negative balance of ( {$0.00} ) on XX/XX/XXXX. I receive an alert from the credit reporting agency, On XX/XX/XXXX chase reports another High utilization balance of {$2900.00} resulting in yet another 36 point drop in my credit score. ( See attached ). 

I take great pride in my credit & my finances, I use spreadsheets in order to keep me organized. Sadly, I have no issues with any other credit card company except Chase.
Product: Student loan

I set up auto pay with navent and they went into my account and withdrew money without out my consent my payments are due on the XXXX of the month they withdrew money XX/XX/XXXX, for the month of XX/XX/XXXXthey withdrew from my account three times making it overdrawn and costing me fees for stop payment. 
XX/XX/XXXX they withdrew XXXX and my payments are not due until the XXXX of each month. 
I made a payment of XXXX XX/XX/XXXX and they they withdrew XXXX and then on XX/XX/XXXX tried to with draw XXXX out of my account I had to stop payment on it and was charged by XXXX XXXX XXXX 30.00. I am not comfortable allowing them to do auto pay they have lost my trust and I feel that they have not given me correct information on my loans
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To Who It May Concern, Regarding Invoice # XXXX Cease & Desist : Please do not contact me in any form of communication In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 
This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of 15 USC 6801 ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter. 
Respectfully submitted, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was trying to purchase a home but on my report I noticed there accounts that were deleted off my report due to identity theft are reporting again I want to get rid of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX have Failed to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section XXXX ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have gotten into the hands of the wrong person
Product: Checking or savings account

Chase bank will not stop unauthorized payments from my account without charging me a {$30.00} fee. Phone call XX/XX/2021, XXXX XXXX ET ( no way to process these requests without using telephone ). Per Chase, theres no way to waive the fee even though I did not authorize the withdrawals I am trying to stop. Transferred three times, then put on hold for indefinite time when I asked if I could just dispute the payment - on hold for 46 minutes before I hung up ( see screenshot ). Per Chase, fee is for the privilege of stopping a payment. But wouldnt it be it a consumers right to direct its bank to not permit unauthorized payments from the his/her account?
Product: Credit reporting or other personal consumer reports

I am a victim of XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of thatXX/XX/XXXX 

Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXX/XX/XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XX/XX/XXXXXX/XX/XXXX TransUnion
Product: Student loan

I have made the following payments to AidVantage and the payments are not reflected in my transactions as my other monthly payments are. 

The dates listed are the dates and amounts deducted from my personal checking account, and in the bank memo it states that is deducted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$100.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} I spoke at length with a customer service representative in the organization 'help ' chat box. However, they could not provide a reason as to why the above transactions are not itemized with the rest of my payments. They also refused to provide a conversation transcript. They would not put me in contact with any individual via phone. They would not offer a solution or a point of contact to have my accounts and payments audited. They could not tell me where the money deducted from my accounts went. And they would not advise how I could get my loans transferred to a different federal loan handler.
Product: Debt collection

Convergent Outsourcing has continued to report a debt on my XXXX credit report listing the original creditor as XXXX for a balance of {$660.00}. I mad 2 requests to VALIDATE the debt as belonging to me via certified USPS. On neither attempt did Convergent Outsourcing respond to my request within 30 days of receipt of the request. I then made an appeal to the credit bureau to delete the account from my report due to the failure to validate the debt. At that time XXXX  and XXXX  removed the item however on the XXXX report, Convergent Outsourcing replied with a note to call them directly. My requests for validation in writing have gone unanswered and yet they continue to report to XXXX hampering my ability to financially secure my future.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) Due to an adequate customer services, and Unfair practices that violate the consumer financial protection act ( CFPA ). Specifically, Cash app failed To take timely And effective measures To prevent an address fraud on their Platform Leaving my account, vulnerable and Unprotected Show the model dispute process was unfair And deceptive As they did not comply with error resolution Requirements on the electronic Fraud transfer act ( EFTA ) And regulation E These actions had caused Significant inconvenience in financial loss And I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have previously disputed the status of my payments being negative for all XXXX school loan accounts and a response was placed in my file indicating that the account should be moved to a positive status by XX/XX/2024 however ; now the statement has been removed. The account has been in a positive status and currently still remains on one however status states negative?
Product: Checking or savings account

I opened a checking and savings account with Fifth Third bank on XX/XX/XXXX. It was immediately flagged as fraudulent and I can not log in online. I have been on hold to try to get it unlocked for XXXX hours. I have talked and complained many times. Never able to talk to anyone. Hung up on several times. 

I am now getting emails saying my account is overdrawn. I want to close my account but I am told I have to also wait on hold to on this line just to close my account. I don't know what to do. I am not even sure if there is someone that works in this fraud department. I don't think if I even go into the bank I can solve this problem.