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

On XX/XX/22 I attempted to purchase tickets through a XXXX XXXX for sporting events. I was contacted by the actual group admin who said she had tickets. We agreed on a price of {$800.00} and I sent the money through XXXX using my Wells Fargo app. At that point the seller had my XXXX account information and said she was then sending the tickets. She then blocked me on XXXX and I never received the tickets. I filed a complaint with XXXX showing all the message conversations and the fact I sent her my XXXX account. I also provided information that showed no tickets had been sent to my account. They immediately closed the page down and banned the seller. I then contacted Wells Fargo and filed a complaint. I was told by two different employees that I would be able to receive my money back. I also asked them if they needed any proof of the conversation or from my XXXX account. I was told " no '' and if any info was needed I would be contacted. I reached back out to Wells Fargo on XX/XX/22 and they informed me my complaint was closed and they were not going to refund my money. They said they sent a request to the bank the transaction went to in order to recoup funds but no response was received. They also told me to reach out to the financial institution that the transaction was received. However they told me they did not have that banking information. I offered proof of the XXXX  messages as well as the XXXX information and they declined to receive it and told me to take that to Law Enforcement. At this point they are telling me I am out {$800.00} even though I had proof it was a scam.
Product: Student loan

I am having problems with receiving my refunds on payments made during the payment pause since XX/XX/XXXX. Under law I am entitled to receive any payments I made back. I never received confirmation email, and when I called back they said the request was never made. I requested once again and still never received a confirmation email. Their website does not show any change on my account as well. I made the following payments to EdFinancial : XX/XX/XXXX {$330.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$580.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$890.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$400.00} Total : {$4800.00}
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 XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX contacted me about an account that I had no knowledge of back in XXXX of XXXX. I filed a police report and went to have forgery affidavit notarized as advised and submitted it back to XXXX XXXX XXXX. I submitted the information to Experian and they deleted the account on XX/XX/XXXX under : XXXX XXXX XXXX  Account XXXX I checked my credit report on XX/XX/XXXX only to discover that the original creditor XXXX XXXX XXXX sold the debt to a new creditor under the name of : XXXX XXXX XXXX  XXXX It is a FCRA violation to reinsert a deleted collection back on a credit report without proper notification either by mail or by phone. Neither happened because the account is a result of identity theft. Please do not put a freeze on my account but please remove this collection listed under : XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX in my account Ive bank with this company for three years last year they froze my card they only offer chat support they have been giving me misleading info in regards to my account Ive lost my daughter and my home I need my money its been over a year and I still havent received my money
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT ANATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX # XXXX -XXXX XXXX XXXX XXXX # XXXX -DEPT OF ED/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX XXXX OF EDUCATION/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give consent for Experian, XXXX, XXXX, XXXX and XXXX logic to report my credit information. Somehow they all have reported my credit all of my credit information without my written consent which is in violation of my consumer rights ( 15 USC1681 ).
Product: Credit reporting or other personal consumer reports

I checked my credit report and I found out that I had these hard inquires under my credit report. Please remove them! I have no accounts for them and I did not authorize them to be under 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 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 or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report from Experian on XX/XX/XXXX. Upon reviewing my report, I noticed that there were two hard credit inquiries that I did not make or authorize on XX/XX/XXXX and XX/XX/XXXX. According to Experian 's online credit report, those two inquiries are considered " potentially negative. '' To the best of my knowledge, I did not apply for credit from and I do not have any accounts with the 2 companies that had made the two hard credit inquiries. I immediately attempted to dispute the hard inquiries via their website only to receive an error message to contact Experian via telephone. I first called XXXX and was not unable to reach a live customer service representative nor was there an option to speak with a representative. The only 2 options provided were about how to inquire about a security freeze or a fraud alert. No other option was given. I then called XXXX. After several attempts, I was able to reach a live customer service representative. I advised the customer service representative that I needed to dispute to credit inquiries on my report. The CSR asked me if there was fraud or identity theft involved. I responded " no. '' I repeated to the CSR that I did not recognize the 2 inquiries, did not request credit from the 2 companies, and did not have accounts with the lenders which accessed my credit file on XX/XX/XXXX and XX/XX/XXXX. The CSR then responded that it was considered identity theft or fraud and proceeded to connect me to another person without asking me if I had any questions or concerns. I did not want to give wrong or misleading information, and reporting the inquiries as fraud or identity theft would have been inaccurate as I had no proof of either. Needless to say, after being on hold for over XXXX minutes, the call was lost. I attempted to call again, but continued to be disconnected since none of the options pertained to me.
Product: Credit reporting or other personal consumer reports

This is my first request 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX  Balance Owed : {$7600.00} XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$440.00}
Product: Credit reporting or other personal consumer reports

Despite my previous attempts to rectify these inaccuracies, the fraudulent entries persist, severely impacting my creditworthiness and financial well-being. This letter serves as my eighth formal request for the removal of these erroneous entries. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate, complete, and free from inaccuracies. The continued presence of these fraudulent items on my credit report not only violates the FCRA but also undermines my ability to access credit, secure loans, and make important financial decisions. 

I request that your agency conducts an immediate and thorough reinvestigation into these fraudulent items, reviewing the documentation I have previously provided and any new evidence that may be necessary. It is imperative that you take immediate action to correct these errors and ensure the removal of these fraudulent items from my credit report without further delay. Furthermore, I expect your agency to notify all the credit reporting agencies to which you have provided this erroneous information, as required by law, to ensure these inaccuracies are not further disseminated. Please help me remove these fraud items immediately : 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 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: Checking or savings account

When working with the company. I incurred an overdraft fee. After calling them and asking them to disable the overdraft protection on the account, they told me that even with the overdraft protection disabled, they would still charge a fee for each transaction that was returned ( confusing terminology meaning that the transaction was denied according to them ) due to insufficient funds. 

What is the point of disabling overdrafts if you are still getting charged. There is no cost to denying a transaction and no money loaned on their part. This seems like a predatory way to gouge people with fees.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found XXXX XXXX XXXX accounts on my credit report that were not open by me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have already contacted the Federal Trade Commission and filed a complaint # XXXX. I kindly request that you block and eliminate all information from my credit report and provide me with an updated copy of it in accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts within 4 Business Days of receipt, I urge you to block and remove all information related to Identity Theft. XXXX XXXX XXXX XXXX Account number : XXXX. Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : BANKAMERICA XXXX Date Opened : XX/XX/06 Balance : {$0.00} XXXX. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 sec 602 states I have the right to privacy. 15USC1681 sec 604A it also states that consumer reporting agency cant furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose. 

XX/XX/XXXX - XXXX XXXX reported late payment in the amount of {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX reported a late payment in the amount of {$57.00} XX/XX/XXXX - XXXX reported a late payment in the amount of {$57.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX XXXX reported a late payment in the amount of {$40.00} XXXX XXXX XXXX XXXX XXXX XXXX  reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX  reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX  reported a late payment in the amount of {$57.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  reported a late payment in the amount of {$150.00} XX/XX/XXXX - Capital one reported a late payment in the amount of {$42.00} XXXX XXXX XXXX XXXX  reported a late payment in the amount of {$42.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Equifax to block information related to ID Theft. I supplied the police reports and the information needed to do this. They replied that " We have verified the information belongs to you ''. I asked Equifax for how they did this. They stated " Well the creditor stated it was your account ''. I told them it was not and had the police report. They then stated " We just do what the creditors tell us. They state it is yours then we report it. If you disagree then take it up with the creditor not us, we just report the information ''. At this point they refuse to do anything further. This is the from my dispute on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed an account on my Experian credit report, XXXX XXXX, because I did not recognize an old paid off charge off. It was investigated by Experian and deemed to be mine, but then they reaged the account on my Experian credit report to show the date of last delinquency as XXXX even though the account has been paid off since XXXX. This caused my FICO score to drop by over XXXX points because it 's showing a brand new delinquency when there is no delinquency. I contacted Experian by email, but no remedy has been applied. This is going to cost me a lot of money in higher APR 's as well as potentially altering my current credit cards/loans into risk based pricing. I feel that this was done as a deterrent/adverse action to disputing information on my credit report.
Product: Checking or savings account

On XX/XX/2023 between XXXX I went to deposit XXXX in my checking account using my ATM card. I had done this countless times before. I put the money in it gave back XXXX I tried to get the machine to take the XXXX two more times it wouldnt so I was going through with the XXXX. It was making the sound as if it was counting the money to deposit it. A message came on screen said take your funds or we will retain them. Well the deposit door was closed so I couldnt take the money. Few seconds later a message came on the screen and said we will retain your funds. So it kept the XXXX didnt deposit the funds in my account and didnt give me a receipt. I immediately called the bank customer service. Told them what happened this was the location at XXXX XXXX XXXX XXXX la XXXX. The ATM machine has a camera on it the number of the ATM machine was XXXX XXXX XXXX XXXX. I gave all that information to the customer service representative. They gave me a claim number XXXX. The representative told me I would have a credit of my funds in two business days. That never happened and it would take 45 days to complete investigation. Nothing was put in my account and no one has contacted me. That was my bill money. The machine has cameras they can see that I put money in the machine and the can also see the fact that they had more more than what was deposited in customers accounts. Obviously thier machine was malfunctioned that day. Bottom line is I want my money back.