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

I am requesting a refund for a fraudulent transaction to the person who collected my money on behalf of his company to perform marketing services and failed to deliver, disappearing with my money. I am trying to refund money for a while and have no luck with the bank where I sent my money from. XXXX XXXX referred me to Zelle, saying that it was done through them and since transaction was authorized, they cant do refund. The problem is that the transaction was authorized to a scamming company and person knew that zelle payment wouldnt be able to reverse. So I am reporting this scam and asking for assistance from my financial institution and bureau to recover my lost funds. 

Details of transaction : Zelle payment made to XXXX XXXX on XX/XX/XXXX for {$4500.00} Zelle payment made to XXXX XXXX on XX/XX/XXXX. 
Service that is supposed to be delivered- management of marketplace and marketing it under my personal account. 
Company collected money, failed to perform promised services and disappeared without answering calls and emails. 

I have sent few disputes through my XXXX XXXX and was denied since transaction was done through zelle. Zelle told me to contact my bank since transaction happened through online banking. It is a tricky situation where nobody wants to help or take any responsibility for scam transactions leaving me alone against this situation and letting these transactions happen to other innocent people. Something has to be done to protect consumers when banks cant solve such issues. 

Please help me to find justice and refund my money from zelle transaction.
Product: Credit reporting or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act .... 
XXXX XXXX XXXX Acct # 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

Unfortunately, my information has appeared in a data breach and I have noticed an account open on my consumer report at this account does not belong to me. I would like for you to be removed immediately. XXXX Account number XXXX Date opened XX/XX/year>2024 and XXXX XX/XX/XXXX DELAWARE Account XXXX XXXX Date opened XX/XX/year>2024 this account was opened and furnace as the result of a data beach/identity theft. Pursuant to 15 USC 1681 and FCRA 605b this derogatory account must be removed from my consumer report immediately
Product: Checking or savings account

On XX/XX/2023 as I attempted to login to my mobile banking app I received a notice advising that the application had been locked due to suspicious activity. Prior to the application locking I had logged in a number of times as I expected a deposit from a new job that I recently started. I reached out to a customer service representative at the number provided by the app and was immediately advised that the account was being closed with the reasoning of there is not a reason the bank can close the account at any time. ON XXXX XXXX I reached back out to see if that information provided was accurate. I was now advised that my account only needs to be verified in branch with 2 forms of ID to be unlocked. Later in the evening on XX/XX/2023 I reached back out to customer service as my account balance had changed which reflected the deposit but as I attempted to use my debit card it advised that it was locked. I also received an email stating that the account was restricted and may close soon. The email prompts me to login to the application to review the letter as I have paper-less notifications setup. I brought this to the attention of the rep to see if I could get a clear answer of what the notice is advising, if I do need to verify the account and how I could obtain the funds on the account. I was advised that no information could be provided and that I would have to refer to the letter. I am very disappointed and feel that the bank has acted both without reason or concern for the customer. Im in cycle of not knowing what to do and not getting any answers. I really can not think of any reasoning that the account would be closing and why Im not allowed to know what is taking place on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECK MY CREDIT PROFILE AND THERE WAS SEVERAL IN CORRECT ACCOUNTS LISTED ON MY REPORT SOME OF THE ACCOUNTS I WAS NOT AWARE OF IM NOT SURE IF A CLOSE FRIEND, CO WORKER OR FAMILY MEMBER USE MY IDENTITY BECAUSE IM USUALLY SAFE GUARDED BUT THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA 'S. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Mortgage

To whom it may concern. My name is XXXX XXXX and my mortgage company is loan depot When started my loan, with loandepot mortgage I had no ideal that I was praying mortgage insurance. It was when I started my refinance with XXXX XXXX that I fund out I am paying mortgage insurance and I dont have or had mortgage insurance but I m still paying for that insurance. 
Thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am XXXX XXXX XX/XX/2023 I was to close on a proper but unfortunately was scammed into wiring part of my down payment to a fraudulant account. the account holders name is XXXX XXXX who posed as the title company fed me the wrong wring information. thankfully I was able to contact chase bank and they were able to free the fraud account in time. but current problem is that two major banks can't seem to communicate on how to return my money. I bank with XXXX and I've ask them to do a recall on the money and they claim that they did, but the receiving bank which is chase bank claims that they have not received a recall request from XXXX  its been been about three months and it has to be discrimination at this point because I've spoken to chase bank and the have confirmed the they have the money but they are not communicating with my bank XXXX on how to return the money
Product: Debt collection

XXXX bank gave my information to a law firm then sued me in hopes to garnish my checks, they have portfolio recovery calling daily 1-2 times a day, as well as law firms from Citibank as well, the debt was from XXXX  if I remember correctly, i broke my hand not long ago and I can not pay them back nor take the amount of stress that I have been for the last few years, Im at my breaking point. They fooled me into paying them with a check XXXX dollars if not legal action was going to happen and i dont know anything about credit laws so I believed them until I was told it is illegal and I just want to fix my credit and be at peace after all the countless things that have happened in the last 2 years..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off XXXX XXXX XXXX XXXX ( Opened XX/XX/2015 ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a notarized letter 30 days ago to the bureaus. They have not responded. They are in violation of 15 usc 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have 5 total credit accounts two of the most recent are XXXX ( 9 months old ) and XXXX ( 8 months ). Oldest account is 5 years and 7 days old ( XXXX card ). All of the credit bureaus except for Equifax have all of my credit history. 

Equifax has none of my information and In 2 separate attempts talking with them on the phone today, they say they have no record of me ever having credit anywhere and cant find any of my information to verify my I.D . 

They have said that there is nothing for me to do except ask my credit card companies to keep trying to send them info which they are doing, and all of the other credit bureaus are getting them successfully I dont know what to do anymore. XXXX trying to get a mortgage but it seems like its impossible because they act like my social security number isnt even real, let alone getting them to link my accurate credit info, and wont give me any other options.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this to report five fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consist of a Utility Account opened at XXXX XXXX, Account Number XXXX, opened on XX/XX/year> appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I demand that this fraudulent account be removed and blocked from my consumer credit report within 4 days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by pushing the injured parties that they are responsible for to sign up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Product: Vehicle loan or lease

Consumer Portfolio Services We can not afforad the car. 

1. We asked for lower payments denied 2. We tried to refince ... denied. 
3. We took to the car to XXXX XXXX and XXXX XXXX offered XXXX Consumer Portoflio stated that it was to low. 
4. We asked can we turn the car in AND WE WAS denied. The manager stated they have no lots to turn the car in. 
5. The car have a negativie equity balance we do not have means to pay for the car. 
6. WE ARE HAVING CHRONIC HARDHSIP! 
7. WE NEED TO TURN THE CAR ASAP!!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous communication regarding inaccuracies on my consumer report related to late payment entries. It has come to my attention that my report still inaccurately lists late payments for my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I have consistently made timely payments.

As you are aware, the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to ensure that all reported information is accurate and complete. I kindly request a thorough investigation into these discrepancies.

Please provide verifiable documentation, such as account statements, that demonstrate any alleged late payments. If such proof can not be provided within the standard timeframe allowed by FCRA, I respectfully request that my report be updated immediately to reflect my true, on-time payment history, in compliance with FCRA Section 611.

This serves as my second formal request, and although I remain hopeful for a swift and amicable resolution, please be informed that if these inaccuracies are not corrected, I shall consider seeking legal counsel to ensure compliance with federal regulations.
Product: Checking or savings account

I was charged illegal overdraft fees by Navy Federal Credit Union spanning the XXXX timeframe of the most recent class action suit. I have hundreds of transactions, but Im unable to pull the documents from the NFCU website. The checking has been removed due to an outstanding overdraft.
Product: Credit reporting or other personal consumer reports

This is outrageous! Despite my repeated attempts to rectify the inaccuracies on my credit report, the errors persist unchecked. It's unacceptable that my creditworthiness continues to suffer due to these unresolved issues. I demand immediate action to correct these errors and restore the accuracy of my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I open a dispute with Experian after I had my chapter XXXX public records remove from XXXX XXXX report every time i dispute Experian say the information has been verified on XX/XX/2022 i reached out to Experian because i got a alert that says dispute was completed. I call and talk to a dispute rep and they verified that the information showed it was correct i sent in a report from XXXX XXXX showing the accounts was removed and Experian verified that from the document i sent over Experian has violated my fair credit rights because they refused to remove the public record that was report by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

am writing you with this formal objection of information published and provided by you to Transunion, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record. 
Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy.
Product: Credit reporting

I disputed the XXXX several times with Experian and they have failed to provide me with information showing that this account belongs to me nothing bearing a signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Best Buy charge my credit card account for {$870.00} I disputed the charge as I had ordered appliances from them on XX/XX/XXXX total charge was XXXX {$170.00}. On XX/XX/XXXX a stove that was in that order was canceled which resulted in a credit to that charge of {$170.00}. On XX/XX/XXXX a stove that was in that order was canceled which resulted in a credit to that charge of {$740.00} which made the balance {$4400.00} on XX/XX/XXXX there's a separate line charge for a new stove that I placed and that amount for stove was {$3100.00} I also had a total Tech charge of {$210.00}. I contact the credit card immediately for the charge on XX/XX/XXXX advising that I did not order anything and they were apologetic and said that they would remove the charge immediately. Come to find out they never did remove the charge and it subsequently ended up on my credit card. So I get a spirited charge with Best Buy credit card and total Tech and best buy 's fraud department Best Buy fraud department said that I owed the charge cause I linked it back to the original order on XX/XX/XXXX which is incorrect because I already paid for a For a washing machine on that orperiod thon XXXX of XXXX they credited me back for the {$870.00} On this month 's statement do XX/XX/XXXX they have charged and a purchase cash advanced fee which is {$880.00}. I have contacted both Best Buy credit card company and Best Buy total tack and I have been given the run around credit card companies says they'll just spit it to Best Buy when I go to Best Buy to verify it they tell me they have no records of these charges but the credit card company will not remove these XXXX items from mywithout Best Buy saying that they need to be removed and Best Buy says they can't remove them because they don't have any receipts for them I'm surely hoping that you can help me get this resolved because this has been going on since XX/XX/XXXX I've gone to the Best Buy store and had the store manager XXXX XXXX help me she concurs with me that both these charges are invalid there are no receipts to back them. I have spoke to the guys in the total Tech and they've gone through the receipts in my file and there are no receipts for these XXXX charges
Product: Checking or savings account

A bank account with TCF Bank had a hold placed upon it on XXXX XXXX, a hold that was placed as a request to " close '' the account was processed. 
Subsequently two more checks were deposited into the account because the close never went through, on XXXX XXXX and XXXX XXXX. 
TCF instructed the complainant to submit a notarized, overnight-ed letter with account information where the funds should be deposited. That letter was sent, and the funds were never transferred. 
The complainant then called TCF again on XXXX XXXX, and was told that they had mailed the check sending the funds for the XXXX XXXX deposit. That check arrived on XXXX XXXX. During the same conversation, was told they would cut and mail a new check immediately to transfer the funds from XXXX XXXX deposit. 
As of today ( XXXX XXXX ) that check was not received. XXXX ( XXXX XXXX ) TCF was called again, and said they were unsure whether or not a check had been mailed ( although more than 10 business days had passed ). Was told to pay for another notarized letter to be sent to TCF, at which point they can cut him a check for the remaining funds. 
It has now been 28 days since TCF has held onto complainant 's funds.
Product: Credit card

I did not authorize or I do not recognize credit inquiry on my credit report : Bank of America XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 5 letters to TransUnion requesting to remove the security freeze from my credit report. I called on XX/XX/2020 and spoke to 2 different representatives who tried to remove the security freeze and they both said i had to speak to another department. I was on hold for 3 hours and 10 minutes and then TransUnion gave a message saying my call couldn't be answered and the call disconnected.
Product: Debt collection

Generated a loan w/ XXXX XXXX XXXX of XXXX XXXX GA XXXX Indicated to collector XXXX on numerous occasions my employer does not accept personal calls. Agent disregarded my company policy multiple times. Including phishing for personal information from my employer who then notified me. 
Beginning on Thursday XX/XX/18 Last call today XX/XX/18 in which my employer informed me.