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

On XX/XX/2021 I received a cut off notice from XXXX XXXX informing me that I was behind on my bills and my electricity would be shut off within thirty minutes if I did not send an outstanding balance of {$490.00}. They walked me through my Wells Fargo account and finding the XXXX application. 
After wiring the money, I did not see the payment posted on my XXXX  account so I realized I was the victim of a scam. I called Wells Fargo immediately and filed a claim. They have not covered the amount even though they state they offer 100 % fraud protection. The only reason I used the XXXX app is because its on my Wells Fargo app which I did not ask for so it seemed as if it was safe and backed by my bank.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$800.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX  ) XXXX Balance Owed : {$440.00} XXXX XX/XX/2023.
Product: Consumer Loan

I refinanced our truck loan with 1st Investors Servicing Corp and never paid a late payment. Our truck value was almost a loss compared to the amount of my auto loan. I entered into a settlement ( XXXX 2012 ) to payoff off the loan at a lower amount with out impacting my credit. I worked with XXXX XXXX ( Settlement Dept ) and he even had an appraiser come to our house to value the truck. I provided the payment that was agreed and my credit was not to be impacted. I have a written letter from 1st Investors with the details. Now almost 3 years later 1st Investors just started to report to the credit bureaus late payment and a charge off status, prior to this the credit reporting was not negative. They have breached their written settlement agreement. I 'm trying to refinance my current auto loan and this has impacted my credit ratings with all XXXX agencies.
Product: Consumer Loan

I financed my car through wells Fargo Dealer Services. I have made all payments through bill pay. On XXXX I did an early payoff. I sent wells Fargo & XXXX. 
I overpayed what they were showing I owed at that time on their sign in site. Wells Fargo never ever showed in any statement that I made a {$7000.00} Payment. Wells Fargo shows that I sent them {$6100.00}. That is today. When I first made the payment they at that time showed that I made 2 seperate payments both being extremely less then what I sent them. These payments mysteriously now disappeared. Now only one payment shows. When I questioned them, They gave me the run around and said thats just the way wells fargo does things. They did send me Title as well as Payoff letter. The problem is {$7000.00} - {$6100.00} = {$930.00}. Wells Fargo sent me a check for around {$15.00}. Where is the over $ XXXX they owe me. Im just going by their records. Did they open another account with this money? I want to know. I have documentation proving every word im saying.
Product: Checking or savings account

Hello My name is XXXX XXXX XXXX XXXX This was sent to Citizens ' corporate headquarters XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX I am asking your company to return my social security check back to the XXXX Treasury Office of the State of Michigan immediately. I was told that your team will release the hold from my son 's account on XX/XX/year>. Today my son and I were informed from your company an extended hold was placed on my check for an additional 12 days. The new release date is XX/XX/year>. 

My question is Why and what kind of investigation takes over 10 days? 
My son was informed by one of your representatives that the check was ok to deposit inside his mobile banking with my approval. I was currently in the hospital and needed my bills paid, so my son decided to help me by depositing the check inside his account, to pay my landlord so I would not be homeless. 

My son is my XXXX XXXX, He takes care of me on a daily basis because I'm XXXX. I need my money because of my medications and now because of this hold on my check I'm being evicted out of my home. 

I returned the physical check back to social security, Can you please reach out to your back office and ask them to return my check back to social security. My son and I are willing to go to a local branch to get this issue resolved. Please call me XXXX My son account information is XXXX Paid Transmittal # XXXX Check number is XXXX Check amount $ XXXX Please contact me for more information and any question you may have My son name is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Please help!
Product: Money transfer, virtual currency, or money service

My mother passed away in XXXX of XXXX and Im still in shock! I filled out forms requested by her insurance company in XXXX of XXXX. I mailed them in but wasnt sure when I or my bank, Chase N.A., would receive the payment. I was still numb! 
I walked into my bank on XX/XX/XXXX or XXXX, to find my account was closed and the woman who closed it had also opened it and she was angry with me. I threatened to call the police because the manager handed me an internal statement that showed an enormous deposit and he kept telling me there was no funds in the account. 
Ive contacted Office of Personnel management, but they tell me absolutely nothing over the phone and they are located in Virginia. The deposit just vanished. Ive contacted the Federal Bureau of Investigation. You are another resource in case they tell me they can not help. I also filed a complaint with the comptroller of the currency in New York but I may have gone to the wrong department. Please help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a few letters to the creditor and the bureaus regarding some lates reported on my accounts and they have not responded or fixed the error. I don't feel like this was my fault, I submitted proof that they funds were available when the payments were due but they were trying to take the funds from an account that was no longer active. All I want is that they fix the error and remove the lates reported on my credit report.
Product: Checking or savings account

Got scammed thru wire fraud {$10000.00} on XX/XX/2022 from my bank account all in one transaction. Reported fraud, and now they are denying to refund me my money. I have sent in my police report of my identity being stolen and my other banks got scammed as well. They all gave me my money back in a XXXX! But nooo, not Bank of America. Its ALWAYS a hassle to get them to protect their clients from bank fraud.
Product: Credit reporting or other personal consumer reports

While checking my personal credit report, which I acquired XXXX, TransUnion, XXXX. I noticed an unauthorized inquiry made by your company XXXXXXXX XXXX XXXXXXXX on XX/XX/year>. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Credit card or prepaid card

This is to report that Synchrony Bank issued an unauthorized balance transfer of {$17000.00} on on XX/XX/2023 from one closed XXXX card account in dispute for the same amount, to another closed XXXX card account for the amount of {$17000.00}. this amount is in dispute from XXXX XXXX
Product: Checking or savings account

Hello, my name is XXXX XXXX and my checking account is with USAA and due to a service through XXXX-XXXX I made a dispute for charging me based on a horrible app. I have sent all documentation to USAA and uploaded proof of the outcome from the merchant stating we will compensate. USAA has failed to approve my claim stating it was for betting and there is nothing they can do. Unfortunately that can not be true as I ready to provide police report lawyer etc.. this amount was for XXXX and also XXXX it was used in a one week period and was due to the app glitching and also kicking me out not allowing me to make the choices I wanted. this is not the service I requested and contacting the company several times through this period. I have also contacted USAA over 20 times to ask what else is needed. they have dropped the ball on this and given me no response to the claim besides it was a gambling app and we are not allowed to approve this claim. I will go above and beyond to get this resolved as this is not fair to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the consumer protection to contact the 3 credit report bureaus to restore the score to the point it was before I interacted with the office in XXXX. You have documents of before and after score which is not possible. You can even ask the companies. 

On XX/XX/2021 I applied for a mortgage at a company in XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I told the lady my basic information and she said I will have no issue being pre approved. She then about a week or two later said I can not be approved for the convention loan, she was rushing to get off the phone with me. I then emailed her and said I wanted the FHA loan, she never responded to me. I then called another mortgage broker based out of RI within the 30 day silo or shop around period, he pulled my credit and now the median score was 21 points lower. I then called another XXXX XXXX XXXX in PA and they said they would have given me the FHA loan. I tried to call XXXX XXXX XXXX in XXXX from a different phone number I got an answer and the lady said it could be possible to transfer my file to a different office.This office in XXXX is discriminating against me. This does also not explain why my score dropped so much, when it should not have because I was in the 30 day period to shop around for a loan.
Product: Credit reporting or other personal consumer reports

Most inquires that was submitted without my permission. Most was to be a soft inquiry and ended up bring hard with my knowledge.
Product: Credit card or prepaid card

I got a bill from milestone about a credit card i did not have. XX/XX/2022
Product: Credit card or prepaid card

I applied for a secured Discover card & was approved w a {$1000.00} deposit. The {$1000.00} deposit was debited from my checking account by Discover card on XXXX. After issuing my card and accepting the deposit, Discover requested authorization to verify income w the IRS. The IRS is behind on processing my returns fro XXXX, a correction was needed & XXXX has not been processed. therefore my income could not be verified & Discover closed my account. I have been waiting for the deposit refund for 2 months now and no one has contacted me w any information regarding my refund. Furthermore, by opening & closing my account- my credit has been negatively affected.
Product: Credit card or prepaid card

I made a purchase at XXXX XXXXXXXX XXXX XXXX, for {$2300.00} When I received the goods half of the items were missing and half were damaged. 
I reached out to Capital One to dispute the charge on XX/XX/XXXX a few days after the actual charge. 
They changed their demands and requests for information constantly and were extremely unhelpful, I spent hours on the phone with them, each person I spoke to asked for different documents, and they still havent resolved it as of today XX/XX/XXXX This is getting to be very frustrating as I cant afford to lose this much money, Im losing money because of this as I need that credit for my business, I also dont have the time, and cant afford to spend all this time on the phone with Capital one to try sort something out that they still havent all these months later.
Product: Credit card

Capital One violated 12 CFR 226.13 - Billing error resolution. 27 and regulation Z by : Not reasserting the charge when I submitted additional documentation that proved that a credit was issued to the merchant who shipped me the goods. 

When I previously submitted this complaint, twice, to the CFPB Capital one did not address the issues in complete and forthright manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXThis is not mine.

4. Identity Theft XXXX  Account Number : XXXX  This is not mine.

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

7. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

8. Identity Theft XXXX XXXX  Date of inquiry : XXXX This is not mine.

9. Identity Theft BRCLYSBANKDE Account Number : XXXX  This is not mine.

10. Identity Theft XXXX  Account Number : XXXX  This is not mine.
Product: Credit reporting

I disputed inaccurate account on my credit report from TransUnion and I still have n't had got a response on dispute investigation back on my results or my return receipt signature it 's has been 30days and I 'm still waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States i have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

You received a response from Experian..notified today..they need more time. They now are reporting an inquiry that stays on my report!!XX/XX/XXXX it says I applied there or with many banks..I did not!!! The number they listed is a nonworking number!!!! Again they are WRONG WRONG WRONG!!! THERE IS NO END TO THE NIGHTMARE!!!!
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to contact these companies listed in the report submitted. I have tried to maintain a healthy credit history but the below have hindered me and many ways. I have been unable to obtain XXXX and student loans.  I have suffered tremendous loss in the last year and this has been one more thing that I have had to deal with. Having accounts opened in my name that are not otherwise mine is very damaging. I need your assistance to rectify this matter.
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 USC 1681 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 payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXX/XX/XXXXwas never late! I have had exceptional payment history witHXX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXX/XX/XXXXnever sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a written request to remove fraudulent information that is showing in my credit file, I have file an FTC complaint that is attached to this complaint. 
My information has been breach in pass equifax and other breaches, please remove these fraudulent information from my equifax report. 

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

I was in an accident that wasn't my fault and the judge ruled in my favor, stating that the other company had to cover all the expenses. However, despite it being 3 years and 11 months since the incident, my credit still shows as closed. Bridgecrest, XXXX XXXX  is reporting me as late, which is untrue. My insurance immediately covered the issue, and I paid the same month. I don't understand why the accident is affecting my credit, especially when I have full insurance coverage. It doesn't make sense and it's impacting me negatively. 

Bridgecrest Formerly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Illegally posted item that do not belong to me on my credit report
Product: Payday loan, title loan, or personal loan

Account Info Loan Account Ending XXXX Hover over labels for more details Account number The unique number assigned by a creditor to identify your account with them. We hide several digits of the account number to protect your information from identity theft. 
XXXX Account status Open Date opened XX/XX/XXXX Account type Unsecured Loan Paid Off : 84 % Balance on XX/XX/XXXX Loan Amount {$3100.00}
Product: Credit reporting or other personal consumer reports

There is an account on my consumer report that is showing as 120 days late however when I received a copy of my consumer file, it did NOT show a late payment or a past due amount on any month. I believe that this is a reporting error. Please update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report XXXX XXXX XXXX XXXX  ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX15 U.S.C. 6802XXXX - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX16 CFR 313 ( Privacy of Consumer Financial Information ) XXXX  - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX15 U.S.C. 1681XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.