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

I have been fed up with Skrill I have nearly reached VIP status so I would expect to at least be able to utilize my account without having to complete XXXX ruin my XXXX  day because I added money from my bank account to my Skrill wallet and somehow it triggers to lock my account where I cant access my funds for over 24 hours now and counting, this is all due to no human that work there and everything is algorithm-based so each time I uploaded my documents that they are requesting me to show two debit cards on the bank statement from a transaction that just happened today and expected those transactions to be on the bank statement which ended on XXXX because yes every bank sends out a statement once a month and have you ever heard of a bank statement that shows the debit card numbers? Because it seems they want me to juggle while hopping on 1 foot and saying my ABCs backwards.No I am not being sarcastic what more could I do when I sent them a letter of ownership and verification from XXXX XXXX saying that IMD owner of the two cards ending in XXXX and XXXX so Im being penalized and my money is held up from their Security check because of what money laundering? Are people not supposed to XXXX move the money from one account theres to another that is not laundering or illegal especially when I have verification from the XXXX XXXX they were so quick to do that for me but then Skrill is negligent theres no phone number to call and basically its a slap in the face they keep rejecting my uploads with my bank statements, picture of the debit cards I used to fund Skrill and a letter of ownership but that is not accepted? Why would they put me through so much trouble for no good reason who is this protecting or are they just trying to steal my {$74.00} balance? Im certain that nobody gives a XXXX and they need to be penalized
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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

Department of Education XXXX XXXX loans on ny account that have been cleared because of my Permanent and Total status. Accounts are reported on my XXXX XXXX XXXX reports. XXXX was removed from XXXX. There is no money to collect. There is no court order or judgement giving permission to collect, garnish wages, etc. Violates 15 US Code 1681b
Product: Debt collection

in accordance with the fair credit reporting act XXXX XXXX XXXX  has violated my rights.
Product: Credit reporting or other personal consumer reports

This is Fraudulent account and I never open it, My information was stolen and opened credit card. 

Account name DISCOVER BANK Account number XXXX Account type Credit card Date opened XX/XX/year> Status Paid, Closed/Never late. 
Status updated XX/XX/scrub> XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, I opened a Wells Fargo Bank XXXX XXXX account that required {$25000.00} in deposits to be made by XX/XX/2023 in order to qualify for a {$520.00} savings bonus so long as the {$25000.00} was maintained in the account until XX/XX/2023. I met these requirements. The offer code was XXXX. 

The bonus, according to the Wells Fargo savings bonus promotion, would be deposited in my account by XX/XX/2023. This did not happen. On XX/XX/2023, I spoke with the Wells Fargo banker who opened my account to inquire about the missing bonus. She stated that I fulfilled all of the requirements and that the bonus should post no later than the end of XXXX. When the bonus had not posted by XX/XX/XXXX, I went to see the XXXX XXXX XXXX XXXX. He called the Wells Fargo back office. The representative told him, in my presence, that I had fulfilled all of the requirements and that the branch manager should submit a form to escalate the matter so that it could be resolved. The form was filed in my presence. The manager asked me to check back with him in 10 days. On XX/XX/XXXX, I again saw the manager. He again contacted the back office. I was again reassured that I had met all of the bonus requirements. I was told to expect a telephone call within XXXX days. That did not happen. On XX/XX/XXXX, the manager again contacted the back office and was informed, in my presence, that I had not met all of the requirements for the bonus. I never received any written communication from Wells Fargo regarding this. As a consequence of Wells Fargo 's representations that the bonus would be forthcoming, I kept the {$25000.00} in my account, earning virtually no interest, until XX/XX/XXXX when I withdrew most of the funds. The account, however, remains open.
Product: Money transfer, virtual currency, or money service

I am a victim of a romance scam. On XXXX XXXX XXXX I was coerced into sending four transactions, totaling over {$7500.00} to a woman in XXXX XXXX XXXX XXXX XXXXXX/XX/year> I realized that it was a scam and initiated disputes with Paypal. Paypal, within the same day, closed those disputes and sided with the scammer. Paypal did not perform an investigation and immediately sided with the merchant due to the money being sent by " Friends and Family. '' On XX/XX/year>, I initiated chargebacks with Synchrony Bank for the four transactions ( my credit card product is the Paypal Mastercard ). I am attaching various proof that I have sent to Synchrony Bank, including evidence of me being a romance scam victim. Over phone, a representative of Synchrony Bank indicated SOME OF THIS PROOF WAS SENT TO THE MERCHANT ( e.g., reports to the FBI and US Embassy in XXXXXXXX XXXX XXXX XXXX Synchrony Bank decided in the scammer 's favor. 

I re-opened my dispute. According to the terms and service of their agreement, they should have communicated to me in writing their decision. I have called repeatedly asking for updates on my disputes and requesting that they send documents indicating their decision making. I HAVE RECEIVED ZERO COMMUNICATION REGARDING THE DISPUTES FROM SYNCHRONY BANK ( the original ones in XXXX and the re-opened ones ). Today, I received a statement notification indicating that I am responsible for the fraudulent charges.
Product: Credit reporting or other personal consumer reports

EQUIFAX IS VIOLATING MY FCRA RIGHTS FOR ALLOWING THIS ACCOUNT TO CONTINUE REPORTING ON MY CREDIT REPORT. XXXX XXXX XXXX THIS ACCOUNT HAS BEEN CHANGED MULTIPLE TIMES, DUE TO MULTIPLE REPORTING ERRORS. THE FCRA CLEARLY MENTIONS ALL INCORRECT ACCOUNTS BEING REPORTED MUST BE REMOVED. THE FOLLOWING ACCOUNTS ARE BEING REPORTED INCORRECTLY AGAIN AND MUST BE REMOVED : XXXX XXXX XXXX BALANCE {$7700.00} EQUIFAX CHANGED THE INFORMATION 5 TIMES AND IT STILL NOT CORRECT.
Product: Credit card or prepaid card

Late last year three unknown charges appeared on my Discover Card Account. These were not done by me. I contacted Discover and reported the fraud. I spoke with a rep who cancelled my card and issued a new one. During the course of this investigation Discover had the same rep call me on numerous occasion and in an accusatory tone asked me about these transactions. Apparently, merchandise was shipped to an old address of mine. I explained I had no knowledge of these transactions of who did them and yet they claim I am responsible and placed all the fraud charges plus the interest back on my account. This caused by credit score to drop 49 points. Before I obtain a lawyer and sue them I was hoping you could investigate this and help/ They are violating FCRA. I am not responsible for charges that were not placed by me. Someone got my old card number and did this. They have been told this. Under law I can not be held responsible.
Product: Vehicle loan or lease

On XX/XX/XXXX. I opened an account with VEROS CREDIT LLC. The account was closed on XX/XX/XXXX. 

I got a Repossession remark on my XXXX credit report stating that this account was Repossession, However i was involved in a car accident with the same car i couldn't work for few months and I was never notified about this debt and never received this bill since i move to another location. I would like to address this immediately The Auto Loan is paid off i owe {$0.00} dollars, and i want this negative remark remove from my credit report.
Product: Credit card or prepaid card

I enrolled in an offer that stated I would receive 5 % back on online purchases made between XX/XX/2020 and XX/XX/2020. On XX/XX/2020 I purchased {$500.00} on XXXX. I expected to receive 5 % of {$500.00} which is {$25.00} but I only received {$7.00}. I have attempted to contact Citi regarding this issue. The customer service representative has reviewed my account and confirmed the discrepancy. The issue was escalated but I received a letter stating that no action was taken to resolve the discrepancy. I would like to receive a credit for the remainder in the amount of {$17.00}.
Product: Debt collection

I am appalled by the persistent presence of fraudulent accounts on my credit report, despite assurances from reputable banks and validation of identity theft. The failure to remove these entries, despite clear evidence of their fraudulent nature, constitutes a blatant violation of credit reporting laws. 
Attached are the police report, and details of the fraudulent accounts. 
Account Name and Number : XXXX XXXX XXXX Police Department : XXXX XXXX POLICE DEPARTMENT Police Report Number : XXXX
Product: Credit reporting or other personal consumer reports

I got a personal devt consolidation loan from XXXX and made monthly payments of approximately XXXX per month on AutoPay. In the summer of XXXX, I made a large payment to pay off my loan early. This large payment covered all the principal of the loan but a small amount was remaining on the balance for accrued interest from the last month. Then I called XXXX several times for the following reasons : 1 ) their automated system issued a statement showing a remaining balance of XXXX but amount due XXXX ( the typical monthly instalment ). I called to check if this was correct. They assured me that the account was on AutoPay and that AutoPay would only charge my checking account for the remaining balance not the full monthly payment. They said I do not need to take any other action.

2 ) two months later I got a notification from credit monitoring stating that there was a missed payment reported by XXXX. My account was on AutoPay but they did not take the XXXX. I called them and said that I had the loan on Autopay and I think their automated system had a technical bug where my large payment may have turned it off ( although on my online account it still showed AutoPay was turned ON ). I asked them to process the payment for the full remaining balance minus late fees. They had added late fees to the most recent statement but I told them the late payment was due to their system malfunction so I will not pay that. They agreed and processed the balance. Then they sent me a letter stating my loan was fully paid. 
3 ) I also asked them to fix the credit reports to remove the late payment because their system malfunction caused it and it was now hurting my credit score. They told me to file disputes with the reporting agencies, which I did. But my reports are still showing late payments.

4 ) I was applying for a mortgage and the late paument was hurting my score and impacting the mortgage rates offered. I asked XXXX for a letter where they admit to their AutoPay malfunctioning and that the late payment was not my fault. They said they would send me this letter so I could give it to the mortgage brokers to improve my offered rates. XXXX did send me a letter but it did not admit to any system malfunction, it merely listed the dates that I had missed payments and when the account was paid off. This just made it look like I missed payments and it did not even mention their AutoPay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violates FCRA by Re-Aging Debt & Incorrectly Reporting XXXX Late Payments Since XXXX Company Name : XXXX Bank Account Type : Auto Loan Date Opened : XX/XX/XXXX Balance : {$XXXX} Past Due Amount : {$XXXX} Credit Bureau XXXX XXXX XXXX Experian Issue Summary : XXXX XXXX  has been falsely reporting my auto loan as XXXX  days past due every month since XXXX through XX/XX/XXXX without properly classifying the account as charged off or transferred to collections. This violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 and XXXX XXXX XXXX standards. 

Under standard lending practices, an account XXXX days past due should be charged off or assigned to collections, but XXXX XXXX updating fresh late payments every month, artificially harming my XXXX XXXX. This is illegal re-aging of debt, which unlawfully extends the reporting period. 

Additionally, XXXX has not provided proof of ownership, balance verification, or XXXX XXXX compliance documents, making this tradeline inaccurate, incomplete, and unverifiable under FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the reporting associated with a charge-off account under my name, referenced as Account Number [ Account Number ]. This letter serves as a formal request for investigation under the Fair Credit Reporting Act ( FCRA ), specifically in accordance with 15 U.S.C. 1681s-2. 
Under 15 U.S.C. 1681s-2, you, as the furnisher of information to credit reporting agencies, are legally obligated to report accurate information and to investigate disputes regarding the completeness or accuracy of reported information. Additionally, any information found to be inaccurate, incomplete, or unverifiable must be corrected or deleted promptly as required by the FCRA. 
I respectfully request the following : 1. Immediate removal of any unverifiable or inaccurate information from my credit file in compliance with 15 U.S.C. 1681s-2. 
2. A written response detailing the outcome of your investigation within the 30-day period required under the FCRA. 
In light of the legal precedent set in XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, I wish to emphasize the seriousness of this matter. However, I also recognize the importance of resolving disputes amicably and without unnecessary escalation. 
To this end, I am willing to explore a pre-arbitration settlement to resolve this matter promptly and avoid further dispute or potential legal proceedings. Please provide a point of contact to discuss settlement terms, which could include corrections to my credit report, financial adjustments, or any other mutually agreeable resolution. 
If you fail to comply with your obligations under the FCRA or refuse to engage in meaningful pre-arbitration discussions, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Furthermore, I will initiate arbitration or pursue other legal remedies as necessary to protect my rights under federal law. 
I trust that you will take this opportunity to resolve the matter efficiently and without the need for further legal intervention. Thank you for your immediate attention, and I look forward to your timely response. 
Sincerely, XXXX XXXXXXXX XXXX All Rights Reserved Without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # 1 : XXXX XXXX XXXX  Account # XXXX Account # 2 : XXXX XXXX XXXX Account # XXXX They are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.
Product: Debt collection

I CHECKED MY CREDIT REPORT AND THIS INSTALLMENT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Product: Credit card or prepaid card

XX/XX/2020 computer was hacked. {$6100.00}. 
Chase Visa card was billed and we called Chase as fast as we could. Nobody was answering the phone. We waited about an hour. When we finally spoke to someone, we told the representative to cancel the credit card and to not pay anybody anything. Chase then sent us to fraud dept. where we again told Chase to make sure our credit card was cancelled and to not pay any charges. Shortly afterward more charges appeared on our credit card. We were told not to worry. Nobody would contact us. We had to constantly call them and wait for about an hour to speak to someone. 
XX/XX/2020 We are still waiting to get resolution, and we are being told that we benefitted from the charges. Communication is horrible. Chase was moving charges around in our account. We feel like Chase is basically stealing from us. We did not make any of the disputed charges and we did all that could be done to shut down any payouts. And they can not even tell us where the money went or who got it. We are living in holy XXXX and it is being exacerbated by Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has a CO on the account in XXXX. I asked for it to be removed since the criteria for a charge off is 180 days. NOTHING was late beyond 60 days, and fully paid at 70 days. 

Instead, Trans Union has added 3 additional months on my credit file.
Product: Mortgage

Were were behind and got approved for a Trial period plan for a FHA Standalone Partial Claim. We accepted the offer and completed the trial period on XXXX Since the trial period I have called every month and talked to someone about the status of the permanent modification. Every month they have told me that the paper work was being processed and that when we receive it to get it notarized and return it. During this time we were notified that are mortgage was sold but it was sold to the same company that it was already with. We then started receiving delinquent notices and calls so I called and was once again told that they see in the system that we had an approved partial claim so we just need to sign the paperwork. This month when I received a delinquent notice and called I was informed that there was not paperwork because our claim was denied in XX/XX/2023 because we were considered current. We have spent XXXX  months expecting paperwork only to be told that there isn't any and we are still behind {$2800.00}. If we had been told back in XXXX we could have tried to catch it up or apply for help again but now we just have lowered our credit and are still behind.
Product: Credit card

On the website capitalone.com you may see be automatically considered for a higher credit line in as little as 6 months without additional deposit. The product is Quicksilver Secured Rewards Credit Card. After 6 months with a good standing account there was no increment or notice that account was reviewed. On the first account statement date is XX/XX/2023. And on XX/XX/2023 using button in the account menu I requested to increase credit line. Response you may see on the picture. Second request was XX/XX/2023. For me not clear the reason I was turned down with a request and what was the result after 6 months? I think that supposed to be some kind of a report or a notice of automatically consideration, but representative by the phone said that theres nothing about it. Both written responses saying that it couldnt be done to this type of account. The only answer by the phone I received that I have to wait a year. Not clear what I have to wait for and why so, because after a year response could the same and wait another year. Written response confronted product information on the website.
Product: Debt collection

I disputed the debt. I am not sure if the debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not complete a full investigation on my dispute. 

This matter requires immediate attention. 

Please see attached
Product: Vehicle loan or lease

XX/XX/XXXX my stepson who was also one of our employees was found dead in one of our work furnished apartments. 
We helped him purchase a truck with down payment money in XXXX. 
After a few days of his passing we called Ally to let them know what happened and we were asked if we would assume the loan which we said yes. Payments were current. 
After a couple of weeks my wife called them again to set up auto draft which we didnt know they never did. We gave them our information and thought everything was resolved. 
We didnt balance our checking accounts as we dont live outside of our financial means. 
My wife would spend hours on hold, get run around from department to department only to get hung up on being transferred. 
We made 2 payments and after the two payments they continued to try and auto draft the payment when they were told he was deceased. We didnt know this because we were not getting the mail. 
We got a message from his aunt saying someone was looking for him ( deceased ) and his truck. The truck is in a secure location. 
Our attorney advised us not to pay it off at first and make the payments which we did. 
Since this is all he had and only XXXX XXXX XXXX there is no will, trust or estate. Our attorney calls Ally and they kept repeating we cant give you legal advice. He said I dont need that I need the payoff so we can send the payment. They wouldnt do that. 
They said we need to set up an estate. Attorney which we furnished his info said there is no reason to set up estate. 
We get the payoff after I sent them a check for XXXX which they cashed. They told our source that we owe them XXXX and I sent XXXX for dollars which they cashed. 
They still refuse to talk to us, our attorney and have XXXX dollars for the complete amount owed. 
So someone suggested we reach out to CFPB. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I charge XXXX on my XXXX XXXX XXXX  every month an pay the balance in full as soon as posted.that meansat least 2 weeks before due date.enery month XXXX and transunion pick up the charge and drop my fios score XXXX points, 2 weeks before due.then whenever they are ready they correct my score, HOW DO I MAKE THEM STOP or file a legal complaint.
Product: Mortgage

Completely unethical, UNprofessional, bully tactics, rude, arrogant, threats and harassing
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX - XXXX - XX/XX/XXXX - {$5000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$25000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$4400.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3800.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

In XX/XX/2020 I started receiving debt collection mail concerning a debt I did not own. I have double checked that this isn't an identity theft issue, by reviewing all 3 credit agency reports, which were found to not show this debt. I have contacted the creditor informing them that this is not my debt, and that they are pursuing the wrong person. I have also send a Cease and Desist letter to the current creditor ( UHG I LLC ) asking them to stop all debt collection communication. The creditor ( UHG I LLC ) has submitted a court case against me in order to get the debt paid. After doing extensive research on the internet I found that UHG I LLC is often involved in fraudulent debt collection practices and sues thousands of people across the United States every year. The company often changes its name if that allows them to elude persecution.