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

This account was identified on my credit. I agreed to pay the balance in full for the company to remove/delete the item from all credit bureaus. I was advised once the payment was made in full, I could go online and request the deletion after 30 days. I followed the process and the company has not removed the account from the credit bureaus XXXX and XXXX. The calls are recorded and should be referenced. I also have the letter that was mailed advising my account would be updated and removed.
Product: Checking or savings account

I notice fraudulent transaction on my bank account. I search for my bank debit card and realized that it was lost. 
I reported the unauthorized transactions to the bank. The bank send a letter saying the transactions were authorized without providing any proof to how they came to the conclusion. 
when I open an acount with bank ( Bank of America ), I was told that I'm not responsible for any fraudulent transactions.

Fraud involving an AT
M or debit card is covered by the Electronic Fund Transfer Act ( EFTA ). A consumer is not responsible for any charges made on an ATM or debit card if he or she reports it lost or stolen.

It's a fraudulent charge and I want my money back. Thank you.
Product: Money transfer, virtual currency, or money service

I have used Zelle and have accidentally sent money to another person that I did not intend to and the app did not provide disclosure to ensure that I knew this contact or had them in my system.
Product: Credit reporting or other personal consumer reports

My repeated efforts to correct the false, inaccurate, and misleading entries on my consumer report have been unsuccessful. These erroneous records have significantly disrupted my life, causing substantial distress. As an identity theft victim, I must emphasize that I never authorized or consented to have this information associated with my name.
Product: Mortgage

I have a mortgage with Wells Fargo. I pay the mortgage by payroll deduction every two weeks of 1/2 the monthly mortgage amount. I entered into a covid19 forbearance agreement to suspend payments for three months. Before the end of the three month period I requested resumption of the payroll deduction payments and I requested that Wells Fargo deduct from my checking account, the amount of all missed payments, plus one extra payment. The same day, I requested the termination of PMI payments. My request was denied even though I am otherwise qualified to have the PMI eliminated. Wells Fargo explained that the forbearance created a one month delinquency on my credit report account and that I must wait 12 months before making a new request. This refusal means that I will pay over {$500.00} in PMI over the next 12 month waiting period.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX journey started 6 month ago when I pulled my credit report from all three credit bureau and seem the inaccurate information on my file. Then I begin to hand write letters regarding the inaccuracy in my credit reporting. Specifically as it related to charge off and provide me with copies of any documentation associated with these account, bearing my signature. In the absence of any such documentation bearing my signature. I formally requested that this information be immediately delated from the credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company falsely stated that I paid on time for 2 months on a inactive account. These 2 false payments may, cause this inactive account of almost 7 years to reopen and severely damaging my credit for another 7 years. This account is set to end and exit my credit in XXXX of 2021. I strongly believe that these creditors are retaliating due to their time is coming to an end.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX is listed on all 3 of my credit reports as paid after charge off. In XXXX I contacted XXXX regarding inaccurate very high charges one month, in XX/XX/XXXX. XXXX was to send out a meter technician to test our meter. This never happened. I disputed the charges and closed the account. Still no contact back from XXXX. I paid the account in full in XX/XX/XXXX and was ASSURED by XXXX this was to be removed from all reports. Each time I submit a dispute to Experian, XXXX XXXX and XXXX  the results come back as verified?? I repeatedly request supporting documents and to no avail receive any back up supporting their reporting. I have clean reports with this exception and have proven good credit history. I want this item from XXXX XXXX removed from all 3 reports. Again, I have requested additional supporting documents and constantly ignored from all 3 agencies and the merchant. Thank you very much.
Product: Debt collection

I was a victim of identity thefts. I have no knowledge of this account this account has been on my credit for more than 10 years.
Product: Bank account or service

To whom it may concern, Two weeks ago I was a fraud victim. An imaginary FBI agent (  XXXX   XXXX   ) c alled me and she demanded {$8000.00} for student taxes that I had not paid the last 4 years. Unfortunately, I believe on her as she revealed all my debit and credit bank account limits ( " Sir, I see that according to your debit and credit limits, you have  XXXX   XXXX  So you can pay us today if you do n't want to be arrested '' ).   I was in contact with her for  8  hours on the phone as I was instructed to buy gift cards from  XXXX  store to pay the IRS attorney that was handling my case. The " Scam FBI ''  officer  terrified me by pressuring to not say anything to anyone and also if I hang up the phone he will be able to put charged on me. Under such pressure, I used three different cards in order to buy 16 gift cards of {$500.00} each ( {$8000.00} total amount ) {$1500.00} -- &amp; gt ;  Wells Fargo  {$2500.00} -- &amp; gt ;  XXXX   XXXX  {$4000.00} -- &amp; gt ; Chase When my wife came home (  XXXX  pm ), she realized that this was a fraud, and she called for a police officer to talked with the " Scam FBI '' agent ( I was in phone hold ). When the police  officer  came home and talked with the " Scam FBI '' agent, she changed her voice tone and hanged up the phone. The police  officer  directly filled a police report for me with a case number "  XXXX  '' and he told me that a detective will be able to contact the  XXXX  store in order to track the gift cards. The detective 's information is "  XXXX ,  XXXX   XXXX  &amp;  XXXX  ;  XXXX  XXXX  XXXX  &amp; gt ; '' and he told me to call my banks in order to report my case number and to inform them that I was a fraud victim.      XXXX  week later, the  XXXX  and  XXXX  banks directly removed my transactions from my credit accounts. Unfortunately, the  Wells Fargo , after their research, found that the transactions (  3 gift cards, 3  x {$500.00} = {$1500.00}  )  were correctly charged to my account. So, they did not reimburse me.
Product: Credit reporting or other personal consumer reports

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I had like a XXXX XXXX through experian. Then all my accounts were wiped out clean. While the other credit agencies are both at XXXX. My score with exerian didn't go up, it when to n/a ( saying not enough credit ) but I had enough credit as long as it was negative. I do not think this is fair or ethical because now I can't even get approved from XXXX. This needs to be fixed. All the agencies had the same information so they should all be at least XXXX. Not XXXX, XXXX. 
Thank you XXXX XXXX
Product: Vehicle loan or lease

The sales agent forged the contract and added protection coverage that i didn't ask for through XXXX XXXX. He gave me 2 pages, basically stating what I'm putting down and the amount the car is for. He told me the amount for the car was XXXX +, that includes taxes and fees for the car. They confirmed with me that they Throw away the real contract Documents after 3 months, they never gave me the an original contract document, they ONLY gave me two papers. What made me call drive time to request my contract from them is because I didn't understand why i was still paying for the car when i put down half of the cars worth, I did a little more digging into the contract and seen that The Items getting me into. Not until XXXX That I Seen the correcct contract. He Also Did Not Share anything he was adding to the contract. I had to request my contract from them Last Month Because They Never Gave Me the Official One. I found out through my Lawyer, That 25 % APR Is Illegal In Florida & Arizona. The Amount i agreed to finance was {$13000.00} The amount they forged on my contract to pay {$33000.00} .At the time i was XXXX  and I was in desperate need of a car and I just turned XXXX that XXXX, They took advantage of me!!!. I can send you the whole contract now that they sent me the real contract that i had no knowledge of what it said until this year, its been 3 years. Please Help Me! From What My Lawyer Said, He Said, XXXX Targets Low Income, No Credit Vulnerable People, Specifically XXXX people to XXXX Them Over, Thats Why They Are Always In XXXX  Or XXXX   Citys. He Has 2 Filed And 5 Pending Lawsuits On The Due TO Criminal Activity. 
That Drive Time, XXXX and XXXX  has kahoots with each other to get away with scamming people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on numerous occasions attempted to rectify a few discrepancies within my consumer report. Under the law, it is the job of the consumer reporting agency to make sure that the information that they are reporting is accurate. As the consumer I have notified the agency to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) To date these unverifiable accounts remain on my consumer report. 
The consumer reporting agency should be able to see that these items have been previously disputed without a proper investigation/ or verification method. I am requesting that the consumer reporting agency reinvestigate these accounts by manual verification. If any item is to come back as verified please provide this information pursuant to 15 US Code 1681 ( i ) ( 6 ) ( b ) ( iii ) : 1. A description of the procedure 2. Name of the business 3. Business address 4. Business phone number 5. Name of the agent 6. Most importantly, if my personal information such as my date of birth, ssn, and/or address was provided to you without my consent for verification purposes.
Product: Debt collection

I received a debt collection letter form Sunrise Credit Services Inc in XXXX, 2022 regarding a XXXX bill, part of which I believe was wrongfully charged to me. In the letter, it clearly says that If you write to us by XX/XX/2022, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. And this company said " we accept disputes electronically at collections@sunrisecreditservices.com ''. 
I sent my dispute on XX/XX/2022 to their email address and I requested in the email from this collection company to provide me with specific supporting information for that part of the debt in a written letter. However, Sunrise Credit Services never responded to my dispute in any way. During the meantime, I also tried to collect the same information from the original creditor XXXX but without any success. 
Sunrise Credit Services Inc reported my debt to the credit reporting agencies during the dispute process without giving me any due process. I called this company on XX/XX/2022, their customer service representatives acknowledged that they have received my email but they refused to send me any information in a written letter that shows I owe the debt. Sunrise Credit Services Incs action has violated my right to fairly dispute the debt, the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I received an A message that I was very late on my credit card payments and to contact them right away to get this resolved I didnt get on their website that they gave but my husband did call the phone number and it was an exact to the T recording of the banks recording when they call you and ask for my credit card information and my bank information to withdraw the money to get my account up-to-date the website was http : XXXX? XXXX phone number XXXX I have been scammed before and it was very devastating I want to thank you for the work you do to try to catch these people God  bless you
Product: Credit card

On XXXX I was notified that my account was frozen because they were made aware of suspected fraudulent activity on my account. I reviewed my account and there is no fraud. I paid my account off. On XXXX still unable to use my account, I emailed NerdWallet credit card support stating that they never requested any input from the consumer regarding suspected fraud and there was none. I also chatted a separate time and was told they had to complete their investigation. It is still frozen.
Product: Debt collection

I was advised by creditor XXXX to speak with collection agency XXXX XXXX via telephone transfer, and XXXX advised that XXXX provided incorrect identification on the negative credit reporting. I gave XXXX my personal identification and they could not find any record of me in their system.
Product: Debt collection

I received a call from XXXX on Tuesday XX/XX/2022 at XXXX XXXX Arizona time, they told me I was in collections with TD Bank USA, N.A which is my Target Red Card. I had not received any notice in the mail and I wasn't sure who this XXXX is. I have mental illness and this was causing me distress. They said I needed to make a payment. I said that I would like to settle. The lady said let me check. She said I could settle for {$290.00} I told her I could only afford {$170.00}. I said that I was going to be going bankrupt soon but was trying to settle as many of my debits as possible before that. I gave her a credit card and it was my understanding that I would settle for {$170.00}. I now find out that I was just making a payment. I called back and told my that I have special needs and that I have mental illness and that I was taken advantage of. They said I was never offered a settlement. I then pressed and they said yes the lady did say {$290.00} but that I was not allowed to do that. I feel taken so I requested to talk with supervisor and I got the same lies and that I was never approved for a settlement. Please help me if you can. I thank you. I called Target Red card and they said it was a payment not a settlement. So I closed the account. They took advantage of a person with special needs.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. The remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX floor supervisor at equifax has violated my rights. And receptionist XXXX was very unprofessional and rude. 
Also XXXX and XXXX were all the same but equifax was the most inhumane and disgusting experience I've ever experienced after speaking with all of them I didn't feel like I had any rights as a American. I let them know if any account not associated to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  is not mine but they were all rude and disgusting and violated these specific rights below. This is un acceptable and I demand different all accounts not associated to my lifetime address to date To immediately remove all addresses and accounts not associated to XXXX XXXX XXXX XXXX associated to address XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. It also states a consumer reporting agency can not furnish a account without my written consent. 

XXXX XXXX INQUIRY XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I first contacted Equifax, I answered over 12 security questions, including name, social, previous address, current address, student loans, etc. I told them over 25 minutes the answers to the questions they asked and they still denied allowing me access to discuss my credit report. They have accounts that are being reported that are almost 20 years old, employers that do not exist, etc. I learned of all of this from applying at an apartment community recently as they gave me a copy of the report they received. It took me weeks to determine that the report they gave me was based on Equifax because it was through another company. I finally asked for a manager who asked me almost no security questions other than name, address, phone, etc ... and they immediately spoke to me about my account and agreed to mail me a full report. Today, after getting my report, I called one of their multiple numbers provided on my report. The number I called wanted me to verify three security questions. One was the confirmation # on the front of the report which I did exactly and verified. The next question was asking me my ss # which I did and verified. The other question was asking me the numerical digits only of my address, which I did and verified. After SEVEN times of verifying this information perfectly and identically as per the credit report I just received, they still denied my access to my account and said it did not match. I then found another phone number on the credit report and called in. I received the same run around I have time and time again. After giving my confirmation number that is on my credit report, I was told that the number does not exist. After providing my ss # I was told I did not exist again. When I asked for a manager he was mysteriously able to immediately pull up my account with the confirmation number and my ss #. I believe I am being scammed. The people taking calls are not of the USA and seem to relentlessly deny my access to my account on a regular basis. When I tried to log in on line to dispute items on my report, I was at first accepted to submit a dispute but then the page would not load. Upon refreshing, I was again denied access to my report even though I answered the security questions exactly. When I asked a manager why this continues to be a consistent issue on my account and my husband 's as well, I was told that " the system is still updating '' whatever that means.
Product: Credit reporting or other personal consumer reports

When checking my credit report after a few months of not monitoring it I recognized a large amount of unauthorized credit inquires that appeared on my report that I know I did not do nor authorize. I see inquires from companies like XXXX XXXX, Capital one auto finance, and many more.
Product: Money transfer, virtual currency, or money service

On the night of Saturday XX/XX/2020 my phone was stolen out of my back-pocket at a bar called XXXX in XXXX around XXXX. My phone did not have a password, so they were able to log onto my bank of America app, and transfer {$3000.00} from my savings into my checking account. They also went to various ATMS and attempted to withdraw money, but did not know my PIN number. The person made 3 separate transactions totaling about {$3000.00}. They then logged onto my XXXX account and sent themselves 3 separate transactions totaling about {$3000.00}. Bank of America has denied my claim. This is a fraudulent action and I am a victim. I need this money back. It is my life savings that I have been working on since XXXX grade. I have a police report filed as well. I do know how to go about this issue. I am looking for any assistance I can get. Thank you!
Product: Mortgage

I am having difficulty refinancing my mortgage because my current mortgage holder will not report it to the credit bureaus. I do not get written or verbal responses when I contact the bank. I have called and written them asking that they please report my mortgage to the credit bureaus so that I can refinance. They seem to be using delay and avoidance tactics to prevent me from refinancing.
Product: Credit reporting

I have notified Equifax multiple times by phone of being a victim of identity theft since XXXX XXXX. In my hurry back in XXXX XXXX I paid them the {$10.00} dollars to place a security freeze on my credit file, which they done. However when I needed that freeze to be temporary lifted I was told by their website and on the phone that I failed to prove that I was victim of identity theft. So I fax and mailed to the address that they told me to the required documents on XXXX XXXX, XXXX. After doing so I went to temporary lift my credit freeze two months later only to be told again that they never received the documents, but when I have them search for them they find them and then claim it 's not their department to handle and transfer me to another and another. Then one person will say, " I will lift the security freeze JUST this once for free ''! And the supervisor ca n't help because they " can '' t transfer the information over to the correct department ''. I live in california, and I was told by law I had a right to place, temporary, and permanently a security freeze on my file for free. But Equifax wants to continue to try to charge me money to protect my credit file. 
Also when notifying them of my current address they took two months to correct it, going back and forth with my previous address as my current address. I would n't be surprised to receive another letter saying they switch my current address to my previous address again. 
I have attached proof of their messing around and hurting me. I hope you can fix this with them.
Product: Mortgage

I had XXXX accounts with XXXX XXXX XXXX. XXXX of the account was settled with Nationwide Credit INC ; XXXX XXXX XXXX ; XXXX XXXX, PA XXXX. I use XXXX Banking for all my transaction to XXXX. I received a letter form XXXX dated XXXX/XXXX/15 claiming that they did not receive XXXX XXXX XXXX, 2015 payment. I sent emails showing that payments were made on XXXX/XXXX/15 & cashed on XXXX/XXXX/15 and XXXX before it was due. Instead of XXXX sent the money back, according to XXXX, XXXX ID xt XXXX, the money was sent on XXXX/XXXX/15 & XXXX/XXXX/15 for {$1100.00} each total of {$2200.00} to XXXX. According to XXXX I owed {$4700.00}. I asked why the money was not sent back and why there was no response to my email she had no answer. I had XXXX from XXXX Bank on a XXXX way call. XXXX refused to speak to either of us unless XXXX call back on a line that was not recorded, however, without our permission, XXXX recorded the conversation. XXXX told us she would not talk to us unless she goes thru her speech that XXXX was a debt collection agency.