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

I received a check for {$2700.00}. It was for secret shopping. The check was received on XX/XX/XXXX but I deposited it around XX/XX/XXXX. I never spent the money. I never used the money or withdrew it. KeyBank found it as scam/fraud check so they restricted my account. I can not pay my phone bill or anything like that because all my direct deposit goes to that bank. I have no access. There has been no follow up email. I still have everything they gave me to use as proof except the email they used.
Product: Credit card

I 'm using Discover credit card for three months I have earned around XXXX $ cashback and in the end of the first year, they promised to give another same amount on how much we earned as cashback. But they suddenly closed my account without any prior notice so I enquired today they said I had made a payment last month that has been returned back.. actually, I did n't make any payment it was unauthorized so they had added the penalty to my statement I showed up some clarity and canceled my penalty charges. Now, they closed my account and took my XXXX $ cashback n saying that due to security issues they closed!! it can not be reopened you lost the cashback, you can reapply credit card again without any old reward! this also cost me to lose credit score!! this I suspect some fraudulent. They 're not loyal to the customer if we earn more cashback they igniting some errors and closing the account ... this problem faced by a lot of people ... I read it in few websites ... I need my cash back!! n I do n't want to lose my credit score without doing any fault.
Product: Checking or savings account

On XX/XX/2022, I received an email stating that I had opened a Checkings and savings account with SoFi bank. Then i started receiving emails that i was making transfers from this account to someone named XXXX XXXX XXXX. I also received an email stating that I had just recently updated my profile information with a new contact number. I immediately called the bank, let them know that this was not me, and they restricted the account. They gave me a number to a fraud investigation team but every time I call, they are always with other customers. I pulled up all three of the major credit reporting agencies and found inquiries from this bank.
Product: Debt collection

I contacted XXXXXXXX XXXX XXXX, and told them I no longer wanted to work with them, because it was taking them to long to pay off my debt. They also, let some of my debt to be sold to a 3rd party. one debt that was owed was with XXXX XXXX XXXX XXXX which was sold to Full Circle Financial Services. I contacted Full Circle and told the person who answer the phone ( a Man ) and said that I wanted to Make a settlement on my account. I told him I was dropping XXXX XXXX and deal with them personally, he threaten not to work with me and said I should go back to XXXX XXXX. what is the different. I'm the one who is paying.
Product: Debt collection

On XX/XX/2015, I received a collection notice from RMS ( Receivables Management Systems ) for XXXX : Account:XXXX stating that my account was delinquent and XXXX placed the account with RMS for immediate attention. RMS claimed that despite XXXX numerous requests for paymennt that I allowed my account to become seriously past due and payment of this balance will allow RMS ( collection representative : XXXX XXXX, extension XXXX. XXXX or XXXX ) to cease further collection action. XXXX XXXX never contacted me by either mail or telephone stating that I had an outstanding balance of {$46.00}.
Product: Money transfer, virtual currency, or money service

Account was locked plus i couldnt dispute fraudulent transactions
Product: Debt collection

Debt was paid multiple times due to collection agency stating they never received payment and refuse to remove it from credit bureaus. National credit systems owes me money!
Product: Debt collection

Receivables Performance is attempting to collection on a debt not owed. I didn't know about this debt until I checked my credit. As soon as I found out about the debt I called and paid it immediately. I don't recall any statements, calls or notifications regarding this debt. I believe this violates my 30 day right to dispute.
Product: Money transfer, virtual currency, or money service

Zip has repeatedly blocked my access to my account over the past 3 years, despite promises that their system had been fixed, they would not do so, and if it ever happened again I would be able to get it promptly resolved. When I submitted CFPB complaint XXXX, I also sent a letter to the company in writing requesting that my issue be sent to binding arbitration. Zip 's terms of service state that if I have a dispute with the company, I am able to request binding arbitration, and that if I request the company pay all of the fees relating to the arbitration, they will do so. Zip has not responded to my arbitration request. Instead, they responded to my previous CFPB complaint with an obvious lie ( they blamed my account being locked for over 2.5 weeks on a " bug, '' when in reality it was their overzealous sercurity filter behaving exactly as it was programmed to do, and then no one in the customer service department resolving my complaint within the promised time frame and taking weeks to unlock my account.

I have had to spend real money to send my arbitration request to Zip, so I have incurred actual financial losses as a result of this company 's actions, not to mention the countless hours of lost time and energy spent trying to deal with this. The company 's terms and conditions says we can do binding arbitration and the comapny 's expense, and this is what I am requesting. I have made the request in writing via USPS mail, and I have also emailed this request to Zip at least 5 different times at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts on my credit reports that belong to a company and not me personally as an employee. Seems the reporting Agency is reporting them to my personal credit report as a charge off. These loans never showed up on my credit before but now a charge off is there after years. 

I seem to also have a XXXX account and a couple XXXX  XXXX credit cards that I never opened or knew about. I think they were opened by my dad who I havent seen since 1983 when he left me at XXXX years old to never see him again. He has the same name as I do. 

Lastly I have a XXXX utility bill That was in my Exs name. Even though I didnt live at the home with her while the costs were ran up The utility says since she listed me as there it means I am responseable for it
Product: Credit card or prepaid card

Spoke with XXXX in XXXX, FL ; Spoke with XXXX, Supervisor on XX/XX/2020. 

Capital One advertised their Capital One Venture One  card to me with promotional benefits and subsequently gave me an offer without the benefits which I accepted with the understanding per their advertising that I would receive the benefits namely their 12 month 0 % APR as well as their XXXX miles ( {$200.00} ) after spending {$500.00} within the first 3 months of having the card open. 

I was not given either of these benefits : the miles and was charged interest on my balance XX/XX/XXXX in the amount of {$21.00}. 

Please review. Thank you!
Product: Mortgage

We made a payment of {$1400.00} on XX/XX/year> through bill pay. The payment cleared on XX/XX/year>. I have called 6 times ans sent 4 emails to planet home lending. Including sending them a screenshot of my bank statement and the banks proof of payment ( twice ). The keep telling me they are researching it... but it's bern XXXX weeks and they still have not credited my account for the payment.
Product: Credit card

In XXXX I purchased 4 tickets from XXXX XXXX for XXXX and the time had changed so I had to cancel and repurchase tickets. These 4 charges were credited to me in XXXX. In XXXX I called XXXX XXXX to do this and I was off by one digit. The company that answered fraudulently pretended to be XXXX XXXX and booked 4 tickets and charged me an additional charge fee to book. I thought it was American so I allowed it. However the minute I hung up I realized this was incorrect and this company preceded to purchase tickets 4 more times under my name. I immediately told XXXX XXXX what happened and then called the customer service for XXXX XXXX XXXX Barclays credit card. I told them I was charged 8 times for tickets I do not even own. The person that answered was unsure if it was fraud or dispute because I technically provided them my credit card without knowing. I ended up opening 8 cases with the fraud department per their recommendation which then the charges were removed until the case was closed. In the interim apparently XXXX XXXX credited me as well. I did not hear back from my credit card regarding the dispute until XXXX when my bill then went to a credit of XXXX. When I called and asked why the customer service could not figure out why but said call back in 7 days and you can receive a check. I questioned it. A few days later I received a letter in my documents stating I was not responsible for the charges from my fraud and then a few days later saying yes I was responsible. It seems the credit card has 3 departments that do not speak to each other : customer service, dispute and fraud. I did my due diligence as a consumer and called to open claims and then questioned things. In the interim I also let XXXX XXXX know what happened and emailed security due to the company posing as XXXX XXXX. I changed my credit card number as well as my American airlines number. I went from - balance in XXXX to a positive XXXX balance with the XXXX charges now added back because they are saying that they over credited and I am supposed to be responsible. When I called customer service they said it looks like a clerical issue and they got in touch with dispute who said a manager would call me back. I waited 2 business days and when I called the dispute department the man said there was no supervisor claim put on my account and no manager available. After I wasted another 45 minutes speaking to him and him not answering all my questions I asked for a reassertion and to speak to a manager. He preceded to say a manager was not available but he will provide me a case number for a supervisor which is case XXXX. All in all I am on my end assuming this company knows what it is doing with credits charges etc. I asked what department to originally put my information in XXXX and they didnt even know. I am trusting they know but now with a XXXX balance I am questioning if it is my responsibility for their error.
Product: Debt collection

15 USC 1681 ( e ) b ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 



am writing to request access to information in your possession for a permissible purpose, as defined under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b-2. 
My permissible purpose for requesting this information is as follows : [ These are inaccurate information being placed on my consumer report such as Portfolio Recovery Associates. ] In accordance with 15 USC 1681b-2, I understand that I must certify and provide documentation supporting my permissible purpose. Please find attached the necessary documentation to verify my permissible purpose. 
I request access to the following information : [ I request that these inquiries be removed off my consumer report ] I understand that this information will only be used for the purpose stated above and will not be disclosed or used for any other purpose. I will comply with all applicable laws and regulations regarding the use and handling of this information. 
Please provide the requested information at your earliest convenience. If there are any fees associated with processing this request, please inform me of the cost and preferred payment method. 
Thank you for your prompt attention to this matter. If you require any further information or documentation, please do not hesitate to contact me. 
Sincerely, [ XXXX XXXX ] This letter is a formal request for access to information under a permissible purpose as outlined in the Fair Credit Reporting Act
Product: Credit reporting

XXXX, CA XXXX XXXX XX/XX/2017 XXXX, Oh XXXX XX/XX/2017 I did not authorize these company that I listed above to run my credit on my credit report due to the law under section 604 of the FCRA they broke the law by sharing my information that i did n't authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and i want them to be remove from my credit asap. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Checking or savings account

On XX/XX/XXXX my account was charged twice by MoneyLion for {$670.00} for a XXXX repayment. This should've been one payment. On XX/XX/XXXX XXXX reversed one charge and credited my account {$670.00}. They failed to apply the second charge to the repayment of XXXX which in turned caused their automated system to charge me {$20.00} and {$130.00} on XX/XX/XXXX totaling {$150.00}. I contacted the XXXX by phone on XX/XX/XXXX to correct the issue. I was told that a dedicated team was working to resolve the issue and the charge would be reversed in 24 to 48 hours. On XX/XX/XXXX I contacted them again as I had not seen the funds sent back to my account. After speaking with a supervisor I was informed that it may take 3-5 business days for the issue to be resolved and that I would be contacted with updates. On XX/XX/XXXX I again reached out by phone expecting an update and did not receive any but was told my case was priority and would be resolved within 24 to 48 hours. On XX/XX/XXXX I once again reached out by phone and spoke with a supervisor who informed me that my case had not been escalated to the " dedicated team '' and that it would take an additional 3-5 business days for a resolution to the issue. And was offered compensation in the form of rewards points that could be claimed for XXXX $ into an investment account. On all occasions I asked to speak with the " dedicated team '' and was informed that the customer care representative and/or supervisors did not have direct contact with the team and could only communicate via email. I asked for the email for the dedicated team to discuss my issue and was denied.
Product: Debt collection

I received a voice message on my iPhone yesterday claiming to be a debt collection agency and threatened to file charges against me tht I do not owe. 
I do n't know the people. Could not make out who they represent. 
The phone number is XXXX. 
I did not call them back as they asked me to. 

I do n't owe anything at all, not even income tax. 

I also had received XXXX bogus calls claiming to represent the Treasury Dept. saying that I owe taxes which I do not and I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine. 

I sent your bureau multiple dispute letters in regards to the below accounts onXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,  and XX/XX/XXXX To date, I have not received any investigative results reports for any of the above dispute letters which currently are all in violation of the FCRA bureau response deadline guideline. 

I had filed an Identity Theft report, refer to the attached POLICE REPORT. Please be advised I have a {>= $1,000,000} business transaction in escrow pending but it will be cancelled by XXXX unless these accounts are not immediately deleted. I would prefer this to handled without damages and litigation.
Product: Checking or savings account

On XX/XX/XXXX my debt card was denied at the store. The clerk told me the error message said fraud. I immediately tried to log into my bank app and was denied access. I called the customer service number on my card and was told my accounts were frozen and set to close by the demarketing dept. They said my relationship with TD bank was being terminated. When I asked why they said they didn't know and I should contact demarking. I called them XX/XX/XXXX @ XXXX. They ask to leave a voicemail and will return your call in 24-48 hours. I have left MANY messages and called customer service MANY times in the following days. On XX/XX/XXXX @ XXXX, I went into a branch ( XXXX XXXX NJ ). They told me the same thing but said they would email the demarketing dept. On XX/XX/XXXX, the branch called and told me again the same thing with no further details. When I asked what I am supposed to do next in regards to gaining access to my funds, I was told I would have to wait to receive a letter in the mail in 7-10 business days. It is now day 6 of me not having access to my funds. I can not pay bills or receive my paycheck because of my locked accounts. At the branch and on the phone with customer service ( fraud dept ) I expressed that I was concerned because my husbands account at XXXX XXXX was compromised and fraud was committed via XXXX. XXXX XXXX told my husband that it was user error however they would try to recover the funds that seem to have went to some TD Bank account. I asked if this could possibly be related since my husband is a signer on one of my 7 accounts. They were not sure. Today, XXXX, I called customer service and learned that on XX/XX/XXXX, the day my account was frozen, someone tried to set up a XXXX profile. It was NOT me. Again I have NO idea why my accounts were frozen, what to do next, why I wasn't notified that someone other than myself accessed my account, there was been NO customer service. Instead of helping me, TD Bank is just trying to cut me off and I did NOTHING wrong. I am extremely upset. My mortgage payment is due today and my credit card bill is due XXXX. I have no way of paying them or depositing my paycheck. Every penny is currently locked. My checking, savings, and my XXXX childrens accounts. How can TD Bank treat a customer like this? I have been a customer since I am XXXX XXXX XXXX and was an employee of this company. I am so disgusted and upset.
Product: Payday loan, title loan, personal loan, or advance loan

I received a letter in the mail about a late payment to credit union I never heard of. I called and was asked questions about me but never got a definitive answers. I refuse to pay for a loan I never took out and never received any kind of form to use. I am attempting to claim identity theft.
Product: Vehicle loan or lease

Truck was stolen, when insurance paid truck in full, they charged my 2 late payments on my vehicle not allowing me now to get another one
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX {$0.00} Account Name : XXXX Account Number : XXXX {$0.00} Account Name : XXXX  XXXX Account Number : XXXX - {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXXXXXXXX - {$1200.00} Account Name : XXXX XXXX  XXXX Account Number : {$1200.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These are stopping me from getting a house for my family
Product: Credit card or prepaid card

About case number XXXX, I need y'all to reopen my disputes up again because I got cancellation proof look at the attachment below ; I did cancel service with them, and I had contacted them before for a refund, but the lady agent couldn't find the payments in her system. She asked me to send her a payment statement of the payments that were billed on my card. I did, and she told me she would send that to her supervisor team to review it, but no one has emailed me or called me back yet.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf. I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. Please see below the account in concern : CREDIT COLL ( Original creditor : 06 XXXX ) XXXX Balance {$630.00}