23daVinci/CFPB_Complaints huggingface dataset:
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 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 that need to be investigated and corrected 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 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

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good-standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

LOANCARE XXXX Late Dates XXXX
Product: Checking or savings account

I get paid by the first of the month every month. My employer sends all of my deposit information to my bank three to four business days before the actual payday Now, when i first opened my acct. With Moneylion i did it because they had products and services that inteigued me. However, those services ( getting paid two days early ) only happened the first two months i moved my direct deposit from XXXX ( who always honored getting paid two days early no problems ) to moneylion. The last four month have been a battle trying to get them to honor their advertisements of getting paud two days early and when i call i can never speak to a supervisor. Ive even set up appointments for supervisors to return my call to no avail. They already informed me that they received my deposit information from my employer on thursday. The first is Tuesday with Monday being a holiday. So, in all reality i shouldve been paid yesterday, today at the absolute latest. I am being told my money won't go through until Monday the holiday. My car is going to be repossessed because these people have deceptive, unethical, and fraudulent banking services they advertise. Ive had family whom have worked for online banks and they told me that they hold onto your money as ling as possible to earn intrest off of your money. I never believed it at first but these last four to five months have made me a believer. I hate banks in general but im now wishing i wouldve never switched from XXXX  to moneylion because at least they honored their advertised services.
Product: Credit card

I am writing regarding a dispute of a charge of {$41.00} from XXXX, XXXX on XX/XX/23. On XX/XX/23, we attempted to use the " XXXX XXXX '' XXXX app to book a parking space in XXXX  XXXX  XXXX for the following day. We have used this app several times successfully in the past. However, on this occasion, the app malfunctioned. Our reservation didn't show in the app any time on XX/XX/23 or the morning of XX/XX/23. I took a screenshot on the morning of XX/XX/23 ( provided to Citibank ) to prove that the reservation was not showing up in the app. We also never received a confirmation email, as we had every previous time we used this app. 

On the morning of XX/XX/23, we wanted to cancel the reservation because it was no longer needed. XXXX XXXX XXXX Terms and Conditions allow for cancellation any time up to the start of the reservation ( XXXX XXXX XXXX also provided to Citi ). However, without it showing up on the app, there was no way to cancel it, and XXXX XXXX doesn't provide a phone number to call. Since the reservation wasn't showing up and we didn't get a confirmation email, we assumed it never went through. 

We didn't realize that we were charged for this reservation until XX/XX/23, when it showed up on our credit card statement. We immediately contacted the merchant by email but they were unhelpful and quickly became unresponsive. 

Multiple attempts to dispute the charge with Citibank have been unsuccessful. They claim we havent submitted evidence that we attempted to cancel the reservation. However, it was literally impossible to cancel the reservation because there was no evidence it existed until after it had already expired. This should be treated similarly to an undelivered product or service.
Product: Checking or savings account

Bank of America, XXXX, XXXX, XXXX XXXX XXXX I recieved a email said my account password was reset. But I did not do that. 
I found my mobile number has been hijacked, I have no signal on my phone. 
I called band immediately, using another phone number, but the line can not be connected ( wait forever. ) XXXX, XXXX, XXXX XXXX XXXX I arrived Bank of America XXXX XXXX XXXX reported to the bank agent that my account is in dangeor and I request to freez it. 
They let me wait for 5 mins, then led me to a room to make a phone call to their service center, but It still wait forever. 
Then they led me to another office and opened my account on their computer, and they said there is no transaction so my account is OK. I thought by that time my account was frozon. But later I know it was not. 
I ask them is my account safe now? 
They said yes. 
XXXX, XXXX, XXXX XXXX, I received a email said {$3000.00} was send to a person named XXXX XXXX. 
Then the agent start to make phone call, he wait for the conection about 40 mins. changed 3 lines. Then they finally got someone answered. Then they give the phone to me, and record it as a fraud claim. 
They said they need 48 days to investigate and I still have chance to loose my money. 
I can not accept this...
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Hello I have XXXX accounts with XXXX XXXX that have been charged off XXXX and XXXX XXXX XXXX  is not suppose to report this as negative, I will report you to the IRS for tax fraud and also to FCRA. With this account being closed/ charged off this is now reportable income and I should have received a 1099c form according IRS , FCRA 15 USC code 1681n, FCRA 15 USC code 1681o, FCRA 15 USC code 1681e and FCRA 15 USC 1681 eb. I am requesting that XXXX and XXXX be removed from this credit report due to these discrepancies. If these account are not removed within 30 days I will be forced to file a Civil Lawsuit The other charge off on my credit report is XXXX XXXX Im requesting for XXXX XXXX to be removed as well for reporting illegally according to the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a complaint about an inaccurate " late payment '' reported on my credit report. TransUnion had fixed the issue, but this has re-appeared on my credit report. Here is the transcript of their response to the first complaint where they acknowledged the mistake and removed it. 

" We have reviewed your complaint along with the information you previously provided regarding this issue. In response to your request on XXXX, we initiated an investigation with XXXX # XXXX and they verified the information as accurate. However, after reviewing the activity on your file, along with the information in our data base, we have removed the XX/XX/2019 late payment from XXXX # XXXX. In order to protect your privacy, we will mail an updated copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX  XXXX XXXX  ET. Please visit https : //www.transunion.com/XXXX for frequently asked questions about your credit report. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed some incorrect accounts and inquires showing on my credit report. According the FCRA code 15 U.S. CODE 1692e- false or misleading representation. This is a serious violation and I am requesting for you to delete immediately to avoid legal actions for violations.
Product: Money transfer, virtual currency, or money service

A large amount of money, the exact amount specifically was sent from my account to another person. I know that I did not do it and I could not figure out how did that happen. I contacted cash app several times and had several conversations with them about it. I requested of them information on the device that was used in the transaction however they refused to give you that information saying that it was a privacy concern which was crazy to me because I am the account holder so how I'm not even privy to information about my own account and my own transactions eludes me. I about a dispute, a couple of them actually but they were denied. I needed the information from them to help figure out what happened. The transaction in question was very suspicious considering that the person who received the money was somebody who I had made a transaction with several months earlier. It turns out the transaction was made using a device that had been stolen from me and whomever stole it use that to transfer money to this person who coincidentally they knew as well. When the transaction was made I immediately requested a refund from this person which was denied and I did everything I could to receive and recruit my money and cash app was very unhelpful in helping me investigate or get back my funds. They would not give me information on the device that was used nor the location device was located at when it was used had they done that then more could have been done
Product: Debt collection

I supposedly owe {$8700.00} for an XXXX XXXX account XXXX, I have attempted to dispute the debt with verification from XXXX that it is owed. I then attempted to contact the collections agency ( Midland Credit Management ) to find my account after failing to create an account due to invalid information. I called them and gave them my full social security number and name, as well as birthday, and they do not have the account with my full information. I also contacted the creditor for resolution but they are not able to help.If they do not have an active account tied to my information, how are they claiming I have any debt owed to them when they can find nothing with my information?
Product: Credit card

I opened a new Wells fargo credit cart I initiated a balance transfer during sign up ( XX/XX/24 ) for {$3000.00} from my XXXX XXXX  XXXX I also initiated a transfer for {$1000.00} after i received my Credit card Transer for XXXX dollard was posted an correct However, XXXX dollar was sent to completely random account, not mine, and they are not providing account number the sent to
Product: Credit card or prepaid card

I purchased a {$500.00} prepaid vanilla Visa gift card on XX/XX/2022 from XXXX. And When I tried to use the card for a purchase in the XXXX XXXX XXXX on XX/XX/2022 for the first time. I was surprised that only XXXX was left on the card balance. I used that amount for my shopping. I checked the activities for the card online. I realized the card information was stolen, and many transactions from XXXX were on the list, and the balance is XXXX now. I called INCOMM payments XXXX immediately, and the customer service person locked the account and opened a dispute for me ( case # XXXX ). I submitted the complete dispute form soon after. On XX/XX/2022, I received an email with the final resolution letter and a replacement card with a balance of XXXX in the mail. I called the customer service line again, and the agent told me that was all the money they could recover. And they can not do anything else for me. I am troubled that I should take the loss simply because the card company did not protect the information and allowed someone else to steal all the money within a few days after the gift card sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity theft report # XXXX including some accounts that for some reason are still reporting on my credit file. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX. Over 30 days I sent a dispute and I've yet to receive any accurate proof of obligation that these accounts belonged or were established by me. I also requested for several addresses to be removed where I never resided but they still remain on my credit file. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX XXXX . It seems that my request has been ignored or avoided. There also multiple misspelled or inaccurate names or aliases still showing on my credit after I specifically requested there removal. All of the dates for the date opened are not the same and are conflicting as well. That being said under the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act my consumer rights are being violated per section 605b, 609, 611, and 623. Due to these accounts being opened fraudulent and the several inaccuracies including the 30 day failure to verify accurate information these accounts must be removed in accordance to the law.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiry listed below. However, I did not provide my consent for this question to be asked. In response, I'm writing to contest this inquiry and ask that it be removed from my credit report. 
XXXX XX/XX/year>
Product: Checking or savings account

On XX/XX/XXXX at around XXXX XXXX I deposited a cash amount at a Chase Atm , a total of {$1800.00} in cash all XXXX dollar bills. Atm shut down mid process and the deposit didn't go through and no recipient was given as well as the moeny didnt get returned. I called immediately at XXXXXXXX XXXX and was told I was going to be credit for the {$1800.00}. On XX/XX/XXXX I was charged back {$1700.00}. I called Chase and was informed that they had audited the ATM and that they had only found {$94.00} despite only depositing $ XXXX. Tried to fix this through them but Chase doesn't not want to fix this saying that they can't do anything else. That I just have to eat it. I have spoken to a claim rep 3 times and superviser 2 times. They took the {$1700.00} and now want me to pay the {$1700.00} to get my bank balance back to {$0.00}. I have also insisted that cameras be checked and they say that no that it was already audited and no further actions can be done. I have told them about the discrepancy regarding only depositing {$100.00} dollars bills and them only finding {$94.00} dollars and have been told that they have nothing to say to that. That they don't have an answer to that.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a {$500.00} XXXX XXXX Gift Card XXXX at XXXX in XXXX XXXX. I have never been able to use this card as each time my transactions were declined. A couple of weeks later, I eventually checked the online account of the card and saw that 3 transactions have emptied the balance of that card. Transactions on XXXX and XXXX. I have never processed those transactions and the card has always remained in my drawer. On XX/XX/XXXX, I eventually filed a claim with InComm ( XXXX XXXX ) the issuer of this XXXX XXXX. On XX/XX/XXXX, I received a confirmation that the refund was approved and that I will receive a new card. Few days later, I have received a replacement card XXXX with only {$16.00}. I contacted again InComm but have not received a response.
Product: Checking or savings account

I became the successor trustee of my mother 's checking account after she died this summer. There were many discrepancies with her Wells Fargo checking account, including forged checks written while she was in a XXXX   and after she died. I notified the bank about the problem, especially when the checking account became overdrawn after her death. 

Wells Fargo refused to prosecute over the forged charges, even though we have a strong suspect. Wells Fargo decided to close the account without notifying me, although I am the Successor Trustee and had changed the documents the bank gave me, so all correspondence would be sent to me. My XXXX Wells Fargo branch banker had assured me that all communication was to be directed to me because we had changed the information. However, on XX/XX/XXXX, there was a breach of confidentiality. Wells Fargo sent the statement to another person notifying them of the closing of this checking account. I never received the information, until my attorney asked for bank statements, and I went back to the branch and saw that the checking account was closed, with notification going to a person who had no authority to receive this notification. Because Wells Fargo did not give me the proper and legal communication, it cost me higher legal bills with my attorney as we are trying to settle my mother 's estate. 
I asked my local banker what could be done about this breach of confidentiality, and he just shrugged his shoulders and said, " Not much. '' I would like to see Wells Fargo take responsibility for not following through with my complaints about the forged checks and then rectify this violation of confidentiality.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a Personal loan installment loan with a fixed interest rate from XXXX XXXX XXXX. I borrowed an amount that allowed me to pay it off with monthly payments over a scheduled period of time. I paid the money off early to avoid added interest. I was informed that there would be no penalty for paying the account off early. 

My problems and why I feel I am being penalized for paying my account off early. On XX/XX/2021 i received notification via XXXX XXXX and XX/XX/XXXX app that I had a closed account. When I checked the notification it had XXXX XXXX XXXX as the account that was closed. It also showed where this action dropped my credit lower or made my credit score go down. This is not right. it should have been reported as a Paid loan account. It does not even say Paid and closed. It just says closed. I called the local XXXX XXXX  Branch Office and reported this and they claim they can not do anything about my credit score going down. I was never late on a payment and I paid the account off before the scheduled date. I should get points added to my credit not taken away. I am requesting that this practice be looked into. I feel that I am being discriminated against or retaliated against because I paid this account off early. I should not get a reduced score on my credit report for paying every month on time and paying off an account early.
Product: Student loan

In XXXX of this year I applied for the SAVE program like many did to lower my payments. My application was successfully submitted per the student aid website. But then I never saw this change take place with my loan provider Aidvantage I still received the same bill ever month. So after a month I tried to call the loan provider - but the call center was closed indefinitely - I was directed to email instead. So I contacted them via the email link on their website asking when I would be placed into SAVE, then did not receive a replay for over a month ( website says 2 days for a response ) and when I did receive a response it stated I was not even in a IDR plan. Even though my account when I look at my loans on their website and the federalaid website states I am currently under the PAYE plan which as far as I know is a IDR plan - so both incorrect and unhelpful as I was asking about my application for the SAVE plan. Since emailing didn't help I tried to call but I had the same issues as before and currently their " book a call back '' link is all blacked out. So I went again and applied for the SAVE plan on the federalaid page again to see if this time I could get through to them. But I am also submitting this complaint as I know I am not the only person having an issue with this loan servicer at this time especially in regards to changing your loan terms.
Product: Debt collection

Upon checking my consumer report, I have become aware of this error, false and misleading information of this collection account : Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Additional Address listed Midland Credit Management XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX MI XXXX under the FCRA request, Failed to provide legal validation & verification from my request on XX/XX/2024 & XX/XX/2024 sent via XXXX XXXX XXXX to Midland Credit Management, this is ruining my reputation, caused XXXX XXXX XXXX and is damaging my XXXX XXXX by keeping me from getting new credit for personal family and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce deletion of this account. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITYBANK/VICSECRMC did a hard inquiry on my consumer credit and in XX/XX/XXXX. Hard inquiries is only for 2 years they added 3 years for removal. This is causing financial issues for me with other business financial companies. They have been inaccurately reporting this on my credit report for over 8 months. This hard inquiry needs to be removed from my consumer report. 

Inquiry date : XX/XX/XXXX - Removal date XX/XX/XXXX COMENITYBANK/VICSECRMC Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, OHXXXX-
Product: Debt collection

This item is being reported as 30 days late in XX/XX/XXXX when payments have never been late.
Product: Money transfer, virtual currency, or money service

I was approached online the scammer manipulated me into putting my money in XXXX through crypto.com utilizing their services. 
I lost the equivalent of XXXX XXXX.
Product: Checking or savings account

On XX/XX/22, I received an email from Bank of America that an account was being opened in my name and to verify my email address. On XX/XX/22 I called Bank of America to inform them that I did not attempt to open an account and it was a fraudulent attempt.
Product: Debt collection

I recently obtained my credit report and see XXXX companies are claiming I owe money ; R & R professional Recovery XXXX. I sent a validation of debt letter by certified mail to each collection agency. Instead of sending me the evidence that I owe an alleged debt R & R Professional Recovery reported me again as of XXXX/XXXX/15 which has negatively impacted my credit score by XXXX points. I have never received anything prior to this and when I ask for them to prove I owe the debt they IGNORE request and continue to bring my score down! Please investigate this crooked company
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or discard the following items right away : 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  XX/XX/XXXX