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

I used XXXX 's services again on XX/XX/2022 and a transaction was canceled and I received an email from XXXX that you will receive a refund within 10 business days, time has passed and the refund has not been made to my bank account, call XXXX support XXXX and they do not give me a solution to my case telling me that the charges were not made and I have proof that the charge was made take a screenshot of my bank account where you see that the funds were withdrawn from my account that is to say there is a abuse of manipulation of funds by the XXXX company giving false information to the client in situations like mine from technical support and XXXX makes misleading advertising by saying that their refunds are given in 10 business days many people like me who use the money transfer system suffering this type of fraud and they suffer this type of abuse from XXXX I hope for a solution since the money I send is money from my work and effort and it is not XXXX This is lost due to inefficiency of an unstable system
Product: Credit reporting or other personal consumer reports

In XXXX an unauthorized account by the name of XXXX was being reported on my consumer profile. In XXXX XXXX charged the account off and sold the debt, a 1099-C was never issued pursuant to 431 IRS Rule. I disputed this account in XXXX with Experian and XXXX, unfortunately it was not resolved. Due to this account being fraudulent there is severe misreporting. XXXX is reporting a high balance amount while Experian reports XXXX as a high balance. The open dates for the account are very different ; XXXX is reporting an open date of XXXX and Experian is XXXX XX/XX/XXXX. Lastly, XXXX says this account is a " XXXX XXXX '' while Experian says it's a " Credit Card ''. This account needs to be removed immediately, it's placement on my consumer report has caused grave damages.
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to JPMCB CARD for allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balance, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Product: Credit card or prepaid card

My XXXX statement from Bank of America included three charges I did not make all to the same XXXX. XX/XX/XXXX for {$1800.00}, XX/XX/XXXX for {$20.00} and XXXX for {$5200.00}. I consulted them and they took the information. That was XX/XX/XXXX. XX/XX/XXXX I received a letter saying these activities are consistent with my normal activities. I have never used this company before! They added the amounts back on my account and asked for payment. 

I contacted the phone number on the transaction for XXXX on the transaction XXXX only to get a recording and no one to talk to. When I needed the call the note at the top of my phone said fraud XXXX. 

I also found out that Bank of America has a XXXX liability policy. I want the charges removed from my bill
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts, XXXX and XXXX will not remove a collection item from my credit report, causing a significant negative impact on my credit score. The issue is not a collection issue. It is a contract dispute between me and my former landlord. The dispute relates to the landlord 's failure to mitigate losses due to early termination of my lease and improperly using the security deposit to offset rent that is in dispute. 

Because XXXX  and XXXX  have refused to remove this item from my credit report, I have been forced to file a lawsuit against the creditor ( XXXX XXXX XXXX ) which I attach and I am also attaching the latest investigation result from XXXX  which has all the relevant details. 

XXXX  and XXXX  must remove this collection item from my credit as it is not a collection issue, it is a contract dispute that is currently in litigation. 

In addition, I have tried to resolve the dispute with the collections agency, Collections Bureau Inc. After several attempts, they also refused to accept that this issue is not a collections issue but a contract dispute. I had to pay the outstanding amount to limit the damage to my credit and then subsequently file a lawsuit against the creditor XXXX XXXX XXXX XXXX XXXX to obtain my money back and hopefully also to remove this line item from my credit report. 

Amount at issue is {$860.00}. The initial dispute arose in XX/XX/XXXX. The latest update from XXXX  was received on XXXX XXXX, XXXX. Lawsuit was Filed on XX/XX/XXXX in order to show that this is a contract dispute in active litigation and not a collection issue.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX
Product: Checking or savings account

TD sold me an overdraft protection as service with a promise that when I link the account the fee will be only {$3.00} for each transaction. However, I noticed that TD have of late been charging my accounts excess transfer fees, overdraft fees of {$35.00} per transaction plus {$3.00} per one transaction. I need refunds for the fees charged to my accounts as they violate the contract agreed upon in the overdraft protection plan or program. The bank has breached the contract that they forced me to agree to, but they do not abide by or follow. I was scammed.
Product: Money transfer, virtual currency, or money service

My ex girlfriend used y phone to transfer funds to her account and I was also charged for a product that wasnt as described.. they issued refunds but kept reversing the funds back to them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was opened due to fraud and shall delete from my credit report. 
I request to see the account ownership and proof that show how this account was opened. 
send me the wet signatue and account ownership because of fraud.
Product: Debt collection

Hi my name is XXXX XXXX. 
I have a big trouble with Grant Mercantile Agency , Inc. 
First time that I talk to them been around a month ago that I been calling them not they to me! 
I told them my date of birth my address and full name that they can follow up who Im! 
And before it I saw them like a collection in my credit reports. 
I been never asked to pay it and never received letter from that company!! And a sunny day I saw that company name in my credit reports! 
That day that I called them I told them that I do not owe nothing at all XXXX XXXX ( in my life Ive been 1 time in that Hospital and paid my balance off on XX/XX/2019! ) and beside that never been in that hospital!! 
I told the Gran Mercantile Agency to remove from everywhere and do not bother me and sending me any letters ( now they know my address then I told them )!! But they start to sending me some letters!! 
And do not remove they fraudulent collection from my credit reports!! 
Please help me that they get away from me!! 
I dont no how else can I explain them that I dont owe no one any cent in the whole world beside my credit cards that Im paying all in time without no one minute late in my whole life! 
They do not do anything!! 
They are like savages and do whatever they imagine!! 
Please need this help very much! 
Thank you.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I sent formal dispute letters to Experian regarding two late payments incorrectly reported on my credit file for the account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). These late payments, from XX/XX/XXXX and XX/XX/XXXX, should have been marked as " on time '' due to the protections provided under the CARES Act.

As a result of financial hardship caused by the COVID-19 pandemic, I qualified for accommodations under the CARES Act, which requires creditors to report accounts as current if a payment accommodation was granted during the pandemic. I believe these late payment entries were either reported in error or without full consideration of my rights under this law.

In my letters to Experian, I requested that these payments be corrected to reflect an on-time status to resolve the matter. I included all relevant details in my dispute, including my account information and my request for an investigation into this matter.

Despite this, I have not received a satisfactory resolution, and these late payments continue to negatively affect my credit score. I am seeking the CFPB 's assistance to ensure that Experian comply with their legal obligations under the CARES Act and the Fair Credit Reporting Act ( FCRA ) by correcting these inaccuracies on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I had a line of credit that I immediately payed. The app from TD displayed that I owed nothing on the line of credit. After calling and speaking to XXXX different areas of the bank I was told that I owed about {$60.00} in interest because the app doesn't display any accrued interest. I only knew that there was an issue when the bank sent me a letter saying that the line of credit is suspended and it was reported to XXXX, I would like the 'deliquency ' deleted from the credit agencies. I am unlikely to get the {$60.00} back from TD but that would be appreciated too. 

I was told that this all began in XXXXXXXX XXXX XXXX and I finally paid it off in XX/XX/year> when I learned about it. 

Also I had plenty of money in my checking account, around XXXX XXXX to pay off anything that I owed the bank.
Product: Credit card or prepaid card

I ordered new phones from XXXX through their upgrade service from my USAA Credit Card XXXX The phones never arrived and I was still charged for the merchandise. When calling T-Mobile they hung up on me twice and finally told me it wasn't their problem it was XXXX 's because they had been given a delivery receipt. I never received a package with the new phones. I disputed the charges from XXXX on my USAA Credit Card account XXXX XX/XX/2021 ) and reported the card Lost/Stolen to prevent additional charges. USAA then closed out the dispute saying the company had provided them with a delivery receipt and that it was enough to close the dispute and reverse credit for the amount. I have been fighting with them since XXXX last year to get it sorted out because I will not pay for merchandise I did not receive. I provided the same delivery receipt and confirmation of purchase, etc. but was told that isn't enough to confirm my dispute. XXXX, XXXX and XXXX all have given me the same " the original creditor has verified the information '' line and continued to report more false information on my credit reports. The account has been closed since XXXX yet they all report it as open... This is the last straw.
Product: Mortgage

I have been diligently trying to obtain assistance from chase for the last 3 years. I have filed a complaint a couple of times in order to be heard and helped. Chase goes through motions and states that they are looking into it. Chase allows time to lapse and proceeds to mail out a frivolous letter of denial. I spend months after months scanning, faxing getting the run around in hopes of obtaining assistance on a poor modification that has since expired and yet the bank refuses to help, the modification itself was done out of desperate measures as Chase would not help me then unless I lapsed on my payments. Please read attached. " you are not behind on payments '', which I was forced to do in order to get help on their terms 8 years ago. I 'm in this very bad situation due to the modification and everything else that followed. Chase refuses to assist with the deferred amount. I am short about XXXX XXXX every month due to a pay deduction and no more child support. I have obtained a couple of loans since my last complaint to you in order to keep paying my mortgage. Despite my persistence to keep our home, Chase continues to demonstrate poor ethics, practices and political process measures. Something is very, very wrong when you have several people giving you erroneous information throughout the entire process ( 7 months ). The letter not only falsifies information it miss interprets information. I make XXXX XXXX a month, yet if you look at the rejection letter, Chase falsifies the amount in order to place me in another bracket! ( please see attached ). 

Yours Truly
Product: Credit reporting or other personal consumer reports

Dear cfpb can you please look into the account named XXXX XXXX XXXX and make sure everything is reporting 100 % accurate and if its not please remove it from equifax & XXXX because they will not follow the FCRA guidelines
Product: Credit reporting or other personal consumer reports

Today I discovered an inquiry on my XXXX credit report from Nordstrom/TD Bank USA.. 
I was unable to determine whether this was a hard inquiry or a soft inquiry. 
If it was a soft inquiry, I suppose my issue is with XXXX for not making that clear.. 
But, if this was a hard inquiry, Nordstrom has violated my privacy.

I once had a credit card with Nordstrom but it was closed years ago.
Product: Credit reporting or other personal consumer reports

Why do you keep on closing my complaints?! I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Product: Credit card

I dont know when this happened but I think sometime during Covid my Credit card with 5/3 they gave me a credit card limit increase. That I didnt request. And the next thing I know. When im paying on credit card they is these enormous interest payments. I called them and said WHAT IN THE XXXX IS GOING ON WITH THESE ENORMOUS INTEREST AMOUNTS??? They said I had a credit card balance transfer. I repeatedly told them. IVE NEVER DONE A CREDI CARD BALANCE TRANSFER??? But not thing gets changed. XXXX. Is going on I pay. XXXX a month on my credit card. Only. XXXX. Goes towards balance. And i never use the credit card??? Ive paided about XXXX. On card. And XXXX has gone towards my balance. And they out these foreign talking people on the phone ever time. That pretend they dont know what us going on .. thus is some XXXX XXXX  .. please get this bank to put the money Ive oaided onto my credit card. With penalties and interest charges in my favir.. This is ridiculous and how many times have they done this to other people.
Product: Debt collection

i requested the information but i received nothing and they evenually hung up on me. i NEVER received anything in the mail. i also disputed all 3 LVNVFUNDING LLC collection accounts with all 3 credit bureaus and they all removed the collection accounts in XX/XX/2023 but then i was inform today that XXXX and XXXX has put them back on my credit report with no notification and nothing has been sent to me that show /varify or validate theses accounts. i have sent a certifide letters to all that if this can't be varifide /validated and the information/documents be sent to me to remove them from report. i got nothing in response to my request. so they removed the accounds and they sent me a notification on the updated information stateing the collection accounts has been REMOVED from my report. they violated that by putting it back on my report and not sending me any documents to support it being back on my report. i'm requesting that ALL 3 BUREAUS take it off and keep it off of my credit report. by them putting it back on my report it is causing a hardship on me in moving forward in my life. not to mention they all are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting false and incorrect information. I never opened an account with them in XX/XX/XXXX.. they reporting I owe them {$3100.00} and I had 8 missed payments. They are telling me that the item will be on report until XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly reporting agency, it remains unresolved. I request immediately investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Money transfer, virtual currency, or money service

I was looking to purchase a second hand XXXX for my girlfriends birthday, and came across many on XXXX XXXX. There were some individuals on there that raised my suspicion of potential fraud, however found a reasonable offer by XXXX XXXX that seemed trustworthy and had already sold an XXXX not long ago. Initially, I was planning on picking up the XXXX is person, but forgot to on saturday which opened the door to another customer. I spoke to XXXX via XXXX on Sunday XXXX and agreed to give a deposit of XXXX to hold the XXXX for me, so that I can pick it up the next day. I was given a rather trustworthy address and his mobile number - XXXX XXXX XXXX, XXXX XXXX, XXXX. I then send the original XXXX deposit to his friends PayPal account ( As his is not working ) ; XXXX and was told that it was received. Then I was asked if i would like to pay for the rest via PayPal to make picking it up easier the next day, and also avoid cash in these covid times, so I agreed. Once I sent it, he went to check with his mate and told me that his mate accidentally refunded the amount and will take 1-3 days for it to come back into my account. I gave it a day and no update on my PayPal, so I got in touch with PayPal and was told there is no visible refund being processed under my account on PayPal, and was advised that the individual has not pressed the refund button. I have now sent the initial XXXX deposit plus XXXX ( Totalling XXXX ), and have not received the XXXX XXXX XXXX XXXX. I am a current student at XXXX XXXX XXXX University XXXX and would very much apprecaite all the help you guys can offer in catching these scammers, robbing people off their money. 

Response from My Bank ( XXXX XXXX ) : The transaction that was made, was successful in reaching its intended destination, As the transaction was made through Paypal friends and family, this is a transfer of the funds to an account held by the individual involved. 
We have no valid chargeback rights to reclaim the funds through XXXX, as the service of transferring the funds was successful. 
Making a transaction of this nature for specific goods/services is made at your own risk.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX Account : XXXX, 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 furbish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the immediate removal of these fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission.

The banks have acknowledged the legitimacy of the identity theft report and identified a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has mistakenly been on my report for over five years.

However, these fraudulent accounts are still on my report under your bureau, and I am curious about the confirmation process you have conducted. XXXX and XXXX credit bureaus no longer report these fraudulent accounts since the submission of the required documents. Why is your bureau still reporting these accounts, and what actions are you taking? Additionally, I have contacted the banks associated with the following fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 {$0.00}