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

Mon, XX/XX/XXXX : I saw on my co-worker 's ( XXXX XXXX XXXX ) XXXX page that she has a used car for sale. I contacted XXXX XXXX XXXXXXXX regarding possible purchase. I wanted to check out the car on Saturday. Was told that it was a friend 's car and friend requires {$500.00} down payment to hold until Saturday. Money was requested via Venmo. I sent the money thinking this is a co-worker ( XXXX ) I know well, and I reached out so it is safe. Tue, XX/XX/XXXX, I received more messages on XXXX requesting an additional {$500.00} as they ( " XXXX and friend '' ) have an appointment to service the car and wanted me to be happy with my purchase. I declined stating I will test drive car as is and if I agree to purchase, I will accept any maintenance needed. Person kept pressuring me and that's when it dawned on me that something was not right. I reported to Venmo that evening, a report was taken, and I was told it would be escalated. I then messaged the person back stating I've changed my mind and want my {$500.00} refunded. Person agreed but then the refund turned out to be requests for even more money ( {$800.00} ). I stopped exchanging messages after Tuesday evening. I contacted Venmo Wed ( XX/XX/XXXX ) morning and share with them about the emails. Since XXXX evening, the person continue to try to engage me via XXXX messages through Wednesday. On Thur XX/XX/XXXX, my co-worker ( XXXX XXXX XXXX XXXX was back at work, I messaged her and immediately she told me her XXXX was hacked in XX/XX/XXXX. She filed numerous reports to XXXX and they still would not take down her page. She also filed an Attorney General 's fraud complaint and was told nothing can be done. Venmo meanwhile, sent me an email Thur XXXX stating there is nothing they can do and I need to pay them the {$500.00} ( I had contacted my bank Tuesday XXXX and put a stop payment on this transaction ). I have copies of the XXXX exchange, scam emails requesting more money, and Venmo emails if needed.
Product: Debt collection

On XX/XX/18 I received a telephone from a woman stating she was with Simms and Associates and that she was attempting to collect a debt. I asked the lady to cease and desist in calling me on my job. She became very hostile and noted that she would not and that upon signing a contract that i have not seen or had knowledge of that she had the right to contact me and that she would continue. She told me that she had a court summons and that she was going to serve it on my job. I asked her again and also told her to contact my attorney. I am under Chapter XXXX currently. About 3 minutes later a man called and asked for the Human resources department. He was given the phone number. About 3 minutes later he called and asked to speak to me and noted that the HR Department informed that he could not deliver a summons on their property and insisted in an angry voice that I give him a home address. I inquired as to the address that was listed and he mentioned a PO box I told him to send it that he noted that he would not and that he was going to serve it on my job whether my company liked it or not. He then hung up in my face.
Product: Credit card

I am a long time customer looking to be product traded to another credit card, as my needs have changed. Other companies have done this for me in the past and I requested twice to have this done and have been refused. There is no reason why this ca n't be done.
Product: Debt collection

XX/XX/XXXX - Received letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was owed for services received XX/XX/XXXX. 

Before XX/XX/XXXX - called XXXX  and explained to them that I was out of the country this date and the person they saw could not be me. I don't even live in the same state as the provider. The provider explained that the person walked in and before could be served walked out. The provider stated I should not owe anything and they will take care of it. 

XX/XX/XXXX - Received another letter from the provider regarding the bill. I assumed it would take time for them to internally resolve the matter. 

Between XX/XX/XXXX - XX/XX/XXXX- Several letters were sent, but were tossed out. 

About XX/XX/XXXX - Collection letter received from Lockhart/Morris/Montgomery . 

XX/XX/XXXX - Recorded call with Lockhart/Morris/Montgomery that the debt was not mine and that they need to provide proof that I am responsible for the debt. Lockhart/Morris/Montgomery did not want to hear any of it and instead wanted to setup a payment plan. They also said if I want to get any information I would have to request it in writing. I told them to not contact me again. 

XX/XX/XXXXXXXX XXXX XXXX XXXX  Collections account placed on my credit bureaus XXXX XXXX XXXX XXXX  Called Lockhart/Morris/Montgomery and once again explained to them that I am not responsible for the debt. Lockhart/Morris/Montgomery told me that I need to prove it was not in fact me. I told them that they need to prove it was me. They refused to budge thus not resolving any issue and will continue to keep attempting a debt that I do not owe.
Product: Checking or savings account

I opened up a business checking account and as I used XXXX they have frozen my accounts and refuse to provide any information. They say it's handled by an internal deposit and my funds are frozen
Product: Debt collection

Portfolio Recovery have a credit card debt that I had started to pay back in good faith ; arrangements had been made for an automatic withdrawal starting XXXX 2015. I was forced to discontinue payments from XXXX 2015 after losing my job, which they cancelled the payments, but since then they continually call at a bare minimum of 8 day intervals, and normally call every two days, even knowing I no longer have the ability to pay. Every time I tell them nothing has changed since the last time they have called, the response is always : " Well, our computer automatically dials it. '' I want an immediate end to this harassment, I want them to be forced to discharge this debt if they continue harassing me! Different numbers come up on my caller ID, but the XXXX prefix is most prevalent.
Product: Debt collection

My identity has been stolen in 2020 when a car was purchased now its on my credit I cant get a car in my own name, the debt is on ver XXXX dollars its affecting my life. I disputed it 10 times they keep responding back as accurate and they wont delete it now theyre harassing me with all these emails the account is closed but its still on my credit as a debt. This account is Westlake financial
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I filed disputes using a third party system to dispute inaccurate information on my credit report. I FILED THE DISPUTE MYSELF. experien emailed me back and said that they received information regarding my credit report that does not seem to be sent directly by me. Upon sending my disputed items i uploaded my drivers license and my address verification and experien is refusing to delete inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

The details of the fraudulent accounts are as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX " XXXX XXXX ( XXXX XXXX XXXX ) '' XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX XXXX XXXX ( XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKS ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX " XXXX XXXX '' XXXX XX/XX/XXXX " XXXX XXXX  '' XXXX XX/XX/XXXX " XXXX XXXX BANK '' XXXX XXXX XXXX, XXXX " XXXX  XXXX BANK XXXX XXXX' XXXX XX/XX/XXXX " XXXX  XXXX BANK '' XXXX XX/XX/XXXX " XXXX  XXXX BANK '' XXXX XX/XX/XXXX " XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX " XXXX XX/XX/XXXX " XXXX XXXX XXXX '' XXXX XX/XX/XXXX " XXXX XXXX XXXX '' XXXX XX/XX/XXXX " XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2023
Product: Checking or savings account

I have been unable to open a bank account for the past 2 years, and I want to dispute the fraud from Bank of America in my account. I was sent a fraudulent check by a bad business partner. Thinking I was doing a honest business transaction and was scammed for my money and time.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/year> I made a money transfer from my bank account to my Cash app account. 3 days later while. asleep, I get a notification saying the transaction failed and my cash app account went into the negative. I contacted my bank, XXXX, there were no issues on their end. They showed me were the transaction was successfully completed. Cash App said the transaction was successfully completed, but 3 days later it came back failed. Cash App support kept telling me they did all they could and I had to contact my bank Even though I had already told them I had contacted my bank. I finally cleared the negative balance up by adding cash to my Cash App account. Theat night another transaction of {$12.00} that was successfully completed on XX/XX/XXXX for {$12.00}. 3 days later again I received an over night notice saying the {$12.00} transaction had failed. I immediately unlinked anything associated to my Cash app, contacted Cash app and yet I'm still waiting on a response. I will not pay anymore money to Cash App So I'm currently almost $ XXXXin the whole, and the only one that can't show me anything about my bank kicking back the money transfer is Cash App. At the time of each transfer it shows completed successfully on Cash App and my bank. ( 3 DAYS LATER it comes back failed ) Nope, Cash app is solely responsible and I should be compensated for the money I lost AND my time. Which now is as much as XXXX day, and still no resolution. Haven't even heard from Cash App in regards to the last issue. Approximately XXXX hours later.
Product: Debt collection

On XX/XX/year> I mailed a direct dispute to this company and I requested to see a contract between myself and this company and a complete account reconciliation to show the payments or purchases that make up this balance. This company failed to provide that information. This company is reporting information to my credit reports that are completely false, misleading and inaccurate. I DO NOT OWE this company for any debt, as I have NEVER signed a contract with this company. They are violating my rights under the fair credit reporting act by failing to provide proof of this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is my XXXX XXXX  he opened the loan in my name and forged my signature on the loan documents. On the date in question I went to the dealership with them to see if I could assist with the purchase of a car. The dealer took a copy of my license for the credit check, there was nothing there they could afford with the money they had. I left the dealership since I drove my own car there I was no longer needed due to them not getting a car. In XXXX of XXXX  I moved to XXXX  when I went to try and purchase a car since I left the one I had to my son for school It was brought to my attention from the dealership I couldn't get approved for another car loan? I was confused because my other car was fully paid off. When checking my credit report I saw the loan from XXXX XXXX. I contacted them requested the documents from the loan and saw that XXXX initiated this loan and signed my signature. I confronted him and my daughter and she denied it. I filed a police report with XXXX XXXX in XXXX  and an investigation was started. XXXX is now XXXX  long term and the car is no where to be found my daughter states she doesn't know where it is. I need this vehicle off my credit report it has affected me significantly.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Removal of Inaccurate Bankruptcy Information To Whom It May Concern, This is now the fourth time I am writing to dispute the inaccurate and incomplete bankruptcy information reported on my credit report. Despite my previous requests, this matter remains unresolved. The repeated lack of response and corrective action not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but has also caused unnecessary stress and potential harm to my financial reputation. 
Details of the Inaccuracy The bankruptcy information reported on my credit file contains multiple inaccuracies and inconsistencies across bureaus, as outlined below : Type : XXXX XXXX  Bankruptcy Status : XXXX Filing Dates : XXXX XXXX XXXX XXXXXX/XX/2015 o Equifax : XX/XX/2015 Closing Date : XXXX XXXX XXXX XXXXXX/XX/XXXX o Equifax : Missing Court Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : Federal Remarks Section : o Missing or incomplete across multiple bureaus. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must ensure the maximum possible accuracy of the information reported. The discrepancies in filing dates, closing dates, and court details clearly violate this requirement.

2. FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : Credit bureaus are legally obligated to investigate disputes and correct inaccuracies within 30 days. Failure to do so constitutes a breach of consumer rights under federal law. 
XXXX. FCRA Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) : Information furnishers are prohibited from knowingly reporting inaccurate or incomplete information.

4. FCRA Section 605 ( a ) ( 1 ) ( 15 U.S.C. 1681c ) : Bankruptcies must be reported accurately and can not contain incomplete or outdated information. 
Repeated Dispute Attempts I have submitted multiple written requests to resolve this matter, yet the inaccuracies persist. Your lack of corrective action reflects noncompliance with the FCRA and demonstrates a disregard for my rights as a consumer. 
This failure to act has caused undue stress and financial harm, as inaccurate bankruptcy information damages my ability to obtain credit and move forward financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, I took out a {$1500.00} loan with People Trust Loan Fund. This was my fifth personal loan, with the other loans being paid off on time. Taking out these loans was helping to boost my XXXX XXXX. I was making payments on time, but many things transpired. I then injured myself on my job and became homeless. I could not afford the repayments. Although I was receiving workers compensation, it was not much. I then started getting notices from the credit bureaus about derogatory remarks. This has made my XXXX XXXX drop drastically. I was having a hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. I have called and sent certified letters to ChexSystems to obtain XXXXyear extended security alert and PEMANENT Opt-out of prescreened promotions. I mailed ( via certified mail ) ChexSystems all the documents that they required to process the XXXX extended security alert and permanent opt-out of prescreened promotions, including ChexSystems notarized identity theft XXXXfidavit ( parts 1 and parts 2 ), copy of my FTC identity theft report XXXX copy of my NM driver 's license. I have received a letter confirming the XXXX opt-out of prescreened promotions. However, I asked for PERMANENT Opt-out and XXXX extended security alert and these have NOT been accomplished by ChexSystems. I also requested my free copy of consumer file disclosure. I would like cfpb 's assistance in this matter. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

XX/XX/XXXX XXXX am received an alert my account was unlinked from capital one I called XXXX ( XXXX ) XXXX and the lady did not know what she was talking about telling me call the other company I been having identity theft issues and have made many complaints but never have I resolved them or spoken to the right person I had my if number changed in XXXX been bouncing from place to place never in a place once I get everything transferred I end up leaving or not being able to stay renting rooms currently Im working at a grocery store almost 2 years now and I keep trying to update credit reports and Im having hard time my kids were taken and parental rights were terminated the reports I was given the information is incorrect names and kids were wrong I was such in distraught I could not fight back being in a shelter pregnant they took my son from hospital my oldest ones were put in a worst situation then what we went thru but I had just finally moved into a home with XXXX XXXX XXXX XXXX XX/XX/XXXX when they took my boys XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX with XXXX XXXX. I ask that they verified the information on my credit report. I have never received one letter one bill or any communication. I have tried to dispute this false  information on my credit report and Experian will not verify the information although they say they have no validation or verification has been sent to me. I sent Experian copies of the correspondence sent to XXXX XXXX and advised how could they have verified this account when no information was forwarded and the company never responded. I disputed on XX/XX/2020 with experian and in less than 24 hours Experian has stated they have verified the account as accurate and it remains on my credit report. How is this possible. Experian is not verifying any information during these investigations and leaving information that is inaccurate and false on my credit report. This has caused my file to be seriously damaged. I am not able to get credit or appropriate interest rates because of this false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are attempting to build a home. In the process of applying for a mortgage using my VA benefits, we were informed on XX/XX/XXXX that I did not qualify due to late payments reported by Navient. XX/XX/XXXX I applied for a year forbearance. I was a stay at home mom with no income and my husband was on XXXX XXXX for the XXXX. I spoke with someone over the phone and was assured I would have my forbearance started. XX/XX/XXXX I became pregnant with our second child and was put on bedrest intermittently due to a severe clotting disorder and hyperemesis. I again contacted Navient to verify that the forbearance was in effect and was told it was. I was very upset when I found out that XX/XX/XXXX and XX/XX/XXXX were reported as missed payments. I reached out to Navient 's customer advocate with the information and screenshots and was sent a template response stating to contact the individual consumer reporting agency to remove the information in question. I also discovered today that I do not have access to any documents from before XX/XX/XXXXon the Navient portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX XXXX  XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I opened a Chase Bank checking account ( ending in XXXX ) and a savings account ( ending in XXXX ). At the time of opening, I deposited a large refund check issued by the IRS. Shortly afterward, the accounts were restricted by Chase due to what they claimed was a mismatch between my Social Security Number ( SSN ) and their records.

To address this, I visited the Social Security Administration ( SSA ) office in XXXX XXXX, Michigan, and obtained an official document verifying my SSN and confirming that I am the beneficiary of that number. This document was signed, dated, and stamped by the SSA. I submitted this document to Chase for verification on XX/XX/XXXX. 

Despite providing this official verification, Chase 's fraud department declined to accept the SSA document, claiming it could have been forged. I informed Chase that I had applied for a replacement physical SSN card and was waiting for it to arrive, as per SSA policy, which typically takes XXXX business days. However, on XX/XX/XXXX, Chase closed both my checking and savings accounts without further notice or accommodation for the pending resolution. 

This decision has resulted in Chase withholding access to my deposited funds. When I requested the return of my IRS refund check, Chase declined and stated that they could not release the funds until my physical SSN card was provided. 

Chases actions have caused significant financial hardship, as I rely on the funds for essential expenses. Additionally, they ignored an official SSA-stamped document, disregarded my explanation of the waiting period for the replacement SSN card, and prematurely closed my accounts, leaving me with no access to the money.
Product: Debt collection

the company never responded it been over a year,,, ,nor did they send verification.