23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had an account with an XXXX XXXX card ending in XXXX for a settlement to close the account if I pay {$200.00} on XX/XX/XXXX, by XX/XX/XXXX. I paid on XX/XX/XXXX and it was confirmed at that time it was settled and closed. However, this company keeps calling me, texting me, and emailing me that a payment is due. I called on XX/XX/XXXX, at approximately XXXX XXXX. To let them know that I do not want any more correspondence from you due to the settlement. The agent highlighted they can not promise that. 

Settlement message on XX/XX/XXXX : Pay {$200.00} to settle your account in full. 
Thats 65 % off your total balance of {$570.00}. 
This is a limited-time offer. 
You must call and have your payment post by : XXXX Correspondence email on XX/XX/XXXX : XXXX, Your payment for your Account is due on XX/XX/XXXX. Visit XXXX to review your Account and make a payment. 
Making a Payment is XXXX XXXX : XXXX By phone : Call XXXX and have your Account number ready. 
By check : Please mail your check at least XXXX calendar days before your due date and make your check payable to XXXX XXXX. 

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

On XX/XX/24 I sent a XXXX day letter to XXXX accounts on my credit burea requesting validation and proof that debt is mine via certified mail. 

XXXX XXXX XXXXXXXX LVNV ( XXXX report )
Product: Debt collection

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : CAPITAL ONE BANK USA NA # XXXX, XXXX  # XXXX.
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my credit report showing late payments, which are inconsistent with my history. Please address and update.
Product: Debt collection

There was an amount of {$4700.00} of Auto Debt From CarHop Finance That I Didnt Authorize Also I Never Had A Vehicle I Dont Even Own A License Or ID
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXX a woman by the name of XXXX XXXX stated on XXXX ( XXXX XXXX ) that they were selling tickets for the XXXX game. I inquired and she showed me verified tickets. I sent her half of the money ( {$180.00} ) via TD Bank XXXX to ensure it was legit. She never sent the tickets but then requested more money. I then called my bank TD Bank to report a scam. They filed the claim. Today, XX/XX/XXXX they inform me that my claim was denied and that I need to contact the person again to request a refund. I have no way to reach this person as they blocked me.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX Balance Owed XXXX {$1300.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : $ ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had my identity stolen and someone had used my company credit cards Bank of America Card Account # XXXX from XXXX without my authorizarion. 
My grand daughter was managing my account because I am over XXXX XXXX XXXX. 
One day I had noticed all these fraudulent charges so I would like to dispute these charges
Product: Money transfer, virtual currency, or money service

I visited a website at toyonly.shop after seeing an ad on XXXX. I placed an order for a XXXX XXXX XXXX through Paypal credit in the amount of {$99.00} on XX/XX/XXXX at XXXX XXXX. After completing the purchase, I continued browsing the website while waiting for my email confirmation. After a few minutes, I started to suspect that the website could be fraudulent. I never received an email confirmation for my order. I also did some investigating on the website and could not find any " Contact us '' page so there was no way for me to initiate a refund or even contact the seller. I also checked the website domain and found that the domain had been registered just 3 days prior. Additionally, the website, as of this day is already no longer up and running. On the same day on XX/XX/XXXX, I started a claim with Paypal through their Resolution Center because PayPal has a buyer protection policy. I explained to them my situation and asked that they help me resolve it. They sent me an email saying that they've contacted the seller and were waiting for a response. On XX/XX/XXXX at XXXX XXXX  I received an email from XXXX informing me that the seller added shipping details and provided a USPS tracking number. I'm not sure if the paypal email was actually sent from paypal or a spoofed, fraudulent account because when I checked the claim tracker on the Paypal website 's Resolution Center, it remained in the step " waiting for response from seller ''. Regardless, I checked the tracking number that was provided in the email. In the tracking history, it showed that the item was picked up by shipping partner on XX/XX/XXXX at XXXX XXXX. I didn't even place the order until XXXX XXXX  that day. Even if it's a different time zone, XXXX XXXX  EST would be XXXX PST so there is absolutely no way that this was a legitimate tracking number. The Paypal Resolution Center claim tracker was still in " waiting on seller '' step so I just waited. Finally on XX/XX/XXXX at XXXX XXXX  I received an email from Paypal stating that they finished reviewing my case and that they were going to deny my claim and close it. They said that the reason being the seller provided tracking information and it showed that it was delivered. They did not allow me to comment on the issue such as the issue with the time or even dispute the decision. I tried submitting a new claim as new evidence did surface since I submitted the initial claim ( the new evidence being the bogus tracking number that they provided as well as the website no longer being up and running ). I don't believe that Paypal handled my case properly. They did not allow me to initiate the refund even though I discovered the issues immediately and then ultimately sided with the " seller '' even though the evidence that the seller provided only further proves that it was a fraudulent sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a duplicate request that was previously disputed. I recently applied for credit and the decline letter states I'm deceased and there is no FICO score available therefore got declined. When the decline letter was received it stated that I was deceased, I thought this issue was fixed but it appears it keep reappearing affecting my credit report. IF MY DATE OF BIRTH IS XX/XX/72 HOW CAN I ALSO BE DECEASED ON THE SAME DATE XX/XX/72? 

I tried to dispute the issue online with Transunion and their system is slow and locked up then eventually locked me out. Its a useless system. The CFPB should try using it to see how unconsumer friendly it is.
Product: Money transfer, virtual currency, or money service

Yesterday morning, friend attempted to send me an instant cash transfer of $ XXXX from his city of XXXX, NC to mine, XXXX XXXX, CA using Western Union. At the office he visited on XXXX XXXX in XXXX, he was charged {$230.00} to send $ XXXX and was told the money would be available right away. He handed over {$4200.00} -- in cash, not using a check, just plain cash! -- to the Western Union cashier. He was given a receipt with a transfer tracking number associated with it. Moreover, despite him telling the cashier how to spell my first name ( XXXX ) three times, he misspelled it, " XXXX. '' My friend called the 800 number immediately to get this resolved, and they promised to resolve it and call him right back -- and they did not do so. 

As of the evening ( PST ), four hours later, I went to the Western Union on XXXX XXXX. in XXXX, CA, gave them the tracking number ( XXXX ), and attempted to get my $ XXXX. They told me that there was no transfer associated with that number. I tried to get the cashier to speak with my friend who was on the phone from NC. My friend also sent me a photo of his paper receipt, but the agent would not even look at it. He claimed that their office is a " third party provider '' with no access to any information, and that my friend would simply need to call the 800 number. When he called the 800 number, the person on the line said that the transfer was " under review '' but they would not connect him with the unit reviewing his ( cash! ) transfer. They said they would call him within 2 hours, but that commitment was not kept. They never called him yesterday. 

Today, my friend ( the money sender ) called once again to see what was going on with his/my cash. At this point, a Western Union supervisor told him that because of the size of the transfer, it was on hold and under review for 48 hours -- a different set of excuses than yesterday 's ( the 2 hour review period ) on the same 800 number. No one had told him this when he handed over {$4200.00} in cash at the  office in NC -- they gave him the impression that it was an instant transfer. Had we known of this 48 hour delay, my friend simply would have XXXX XXXX me a cashier 's check from his bank, and I would already have it, today -- for about 10 % of the cost! 

Western Union has {$4200.00} of our money and has been deceitful about the process. They advertised an instant transfer, which is why we used them instead of overnighting a bank check. But this was a lie. They still have our $ XXXX, and they have charged us {$230.00} for deceitful service. It not only feels like usury, but at this point, with our money missing, it is plain corporate theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Capital One Auto to ask about additional time on my last installment due to having issues during COVID financially. Additionally, I asked if I made this payment late would affect my credit. The rep told me that as long as I make the payment before Capitol One does there monthly reporting that I should be fine. We came up with the date of XX/XX/XXXX and I paid on that exact date. When they updated my credit to show that my car was paid off they gave me a late payment on all of my credit reports for XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 CreditKarma emailed me an Is this info correct This is not the first time CreditKarma had pushed me to complain as a consumer. 

They act illiterate, uneducated, and I feel ignorant. 

See attached documents :
Product: Money transfer, virtual currency, or money service

This morning XX/XX/22 I got an email from XXXX or XXXX XXXX XXXX XXXX ) saying I sent {$480.00} to XXXX for a cannon printer XXXX transaction id : XXXX delivery date XX/XX/22 I dont have a PayPal account. When I called the number XXXX XXXX they hung up on me after I asked why they needed my name. This doesnt seem like it is really PayPal . They sound like they're from a foreign country and have accents.
Product: Checking or savings account

XXXX XXXX XXXX is a fake online company promising loans at a low credit score. Once clicking on the text that was sent, scammers got into y email and into my bank accounts. The scammer then sent money from my account but not before changing all of my login information. I bank with Sofi and my account was closed and funds NOT returned. I have even forwarded this case to the fraud department of Sofi as well as the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some inquiries I did NOT approved nor know how they got there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX BK OF AMER XXXX XXXX XXXX XXXX BK OF AMER XX/XX/2022 by XXXX I also contacted right away the credit bureas and also the banks and they could not find anything so obviously it is a wrong reporting that is affecting my credit worthiness as I am getting ready to purchase a house. 
I need this error to be removed immediately. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX : {$6100.00} ; XXXX XXXX XXXX  XXXX XXXX : {$1500.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$4000.00} ; XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$480.00} ; XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

If you refer to complaint XXXX, this company XXXX XXXX  XXXX responded to the company with no documents, validation materials, nothing to the CFPB, nothing to me, and they closed the complaint with no resolve and without documents that I am entitled to within 30 days under Federal Law - 15 U.S. Code 1692g - Validation of debts, b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 
The furnisher XXXX XXXX XXXX failed to provide to me or CFPB any requested documents that I am entitled to owe federal law within 30 Days and I hereby request that you order the deletion of these accounts listed on my credit file that was reported by XXXX XXXX XXXX. This relief I am entitled to by federal law..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 A collection account was deleted from my credit report ( Experian, XXXX, and XXXX ) which is typically a good thingand as a result, My scores for XXXX and XXXX increased on XX/XX/XXXX XXXX my Experian score went down XXXX points!!! I contacted Experian XX/XX/2022 to gain clarity and rectify the error on their behalf ( considering that usually consumer credit scores increase when collections are deleted ) but several representatives that I spoke to said that they do not know why my score decreased XXXX points and admitted that it was a bit odd considering my score increased for XXXX and XXXX, then I was told by several representatives that they didnt have anyway to handle a dispute of such matter in that particular department which was the dispute department so they referred me to their membership department and each time I was transferred to that department, the representative from the membership department put me on a brief hold and then proceeded to disconnect the call. I simply want them to refurbish my credit score back to where it needs to be but at this point I feel no one their actually cares to do so. This is my complaint, what should I do
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a claim with the CFPB, asking that they look into the information that Transunion is reporting. This was probably the laziest " investigation '' I have come across! Transunion responded to my complaint with the word " updated '' next to each item of the disputed information. Yet, the disputed items still remain inaccurate and unverified! I demand a reinvestigation and I do not consent to E-Oscar! Transunion obviously has no respect for my privacy! Transunion never addressed not responding to my disputes upon confirmation that they were received via XXXX tracking. Transunion did not address my right to privacy being violated by XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. Transunion never addressed how these companies obtained my nonpublic personal information such as my social security number and other personal details which I did not provide them with or consent to them having! Transunion did not address how XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX No acct number ) ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never gave me the opportunity to opt out of consumer reporting. If I established a relationship with these financial institutions, where is the adequate clear and conspicuous disclosure notice that was allegedly signed upon establishing the relationship!? Transunion did not address how the information is inconsistent with other major credit reporting agencies. Who is right, who is wrong? If Transunion can not provide me with physical proof establishing 100 % accuracy of their reportings, they ned to delete the information! Lastly, Transunion did not address the incorrect payment data for XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX, Do not delete these two accounts, just update the payment information to on-time, being that I did not miss any payments! Overall, updating information is not proof of an investigation! There were serious claims that they did not address or provide me proof of.
Product: Credit reporting

XXXX XXXX XXXX and Equifax have failed to remove the negativeinquiry in my credit report. This debt was fully paid and close. Equifax notresponding my mails or allowing me to view my credit report. As perEquifax, I was asked to forward copy of my drivers lic in order for me to filea dispute but never received and response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The fraudulent account is on my consumer report. It need to removed as soon as possible. There is no 3rd party. I am human. There has been the following account that are not authorized under my consent or written approval. I have filed a FTC report regarding this manner.
Product: Consumer Loan

I am a co-borrower on a loan for my son. He is behind on his payments and One Main Financial continues to call me. which I understand is their job, but they are calling my job on a harassing basis and I have verbally told them do not call me at work and so has my boss and they are very rude and says they will call here whenever they want and so forth. Now they are calling daily asking for Human Resources number to file garnishment and that number has been given to them every time and they then call back saying that is not a good number which it is. They are jeopardizing my job with the calls and they have been told to stop. My husband lost his job and I am barely paying my own bills must less my sons, and yes I know that is what a co-borrower is for, but I feel the harassment needs to be directed to him not me until all other options with him are exhausted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Two transactions from XXXX XXXX were made on XX/XX/XXXX, both canceled on merchant end, the amounts of {$1000.00} each I believe. Down payments in amounts of {$420.00} and {$120.00} were placed. I attempted to confirm refund of down payments today XX/XX/XXXX, however, unable to do so with several Affirm reps. Unfortunately, Affirm outsources its customer service to XXXX, reps are ignorant, do not listen. I was unable to confirm refunds of down payments for cancelled transactions.