23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

As of the day this complaint is being submitted the account information being reported on my consumer report regarding XXXX XXXX  account # XXXX is being reported inaccurate/incompletely by Transunion on my consumer report, causing me a financial hardship.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am writing to formally file a complaint against Revolut, a financial technology company that failed to protect me from a fraudulent transaction, leaving me in financial distress. Despite reaching out to their support team, my case was dismissed, and I was denied any assistance or reimbursement. 

Details of the Incident : Date of Fraudulent Transaction : XX/XX/year> Amount Lost : {$360.00} Nature of the Scam : I was deceived by a fraudulent buyer while selling an item on Poshmark. The scammer directed me to confirm transactions through the Revolut app, which led to my funds being stolen.

Revoluts Response : After reporting the fraudulent transaction, Revolut claimed that I had manually authorized it and refused to acknowledge the scam, offering no assistance or reimbursement.

Pattern of Negligence : Upon further research, I found that numerous consumers have fallen victim to similar fraud through Revolut, highlighting a systemic failure in fraud prevention and consumer protection. 

Why This is a Serious Concern : Lack of Fraud Protection : Revoluts security measures failed to detect and block fraudulent transactions. 
Consumer Financial Harm : Many users, including myself, have suffered financial losses with no recourse due to Revoluts refusal to investigate or assist in fraud-related disputes.

Failure to Take Action Against Scammers : Revolut continues to allow scammers to exploit their platform, harming legitimate users.

Requested Action : I urge the CFPB to investigate Revoluts inadequate fraud protection policies and require them to : 1. Implement stronger fraud prevention measures to protect consumers from scams.

2. Provide better dispute resolution for fraud victims instead of automatically denying claims.

3. Refund my stolen funds of {$390.00} as Revolut failed to prevent or properly investigate the fraudulent transaction.

This issue is not just about my caseit reflects a wider pattern of negligence by Revolut that leaves consumers vulnerable to scams. I respectfully request your assistance in holding them accountable and ensuring proper fraud protection for all users.

Thank you for your time and attention to this matter.
Product: Debt collection

Received a call from a local telephone number XXXX XXXX XXXX XXXX. After I answered a woman named XXXX spoke very fast listing my address and asked for me by name twice. I asked where she was calling from and she said Source RM I asked what that was and she replied it was a debt collector. I asked what her location was, she kept responding by asking " how do I want to pay my debt today? '' she finally replied by saying she was located in XXXX. I asked if she was calling from a recorded line ( as I live in XXXX ) and she repeatedly asked " Why do I not want to pay my debt? '' I asked again about the call being recorded and she sighed and said " calls are monitored for quality assurance purposes. '' I then said thank you and ended the call. The whole time the Source RM representative was very rude, hard to understand and seemed to be intentionally evasive.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was pulled by factual data without a signed credit app or my authorization. XX/XX/2020 and XX/XX/2020.
Product: Checking or savings account

XXXX XXXX an account was opened at regions bank under my maiden name XXXX XXXX, my social security and my date of birth. I received an email that a new account was opened and thought it was a scam. Then XXXX XXXX  received another email that there was a mobile hold on XXXX that was deposited into that account. I called regions bank in XXXX, Tennessee they told me to come in first thing Monday morning! I went down there told them what I had received and there was an an actual account opened under me. They told me they was going to put a freeze on the account and they didnt they put a hold on it due to receiving another email today XX/XX/2023 that a return of deposit was sending via mail to the address on file. They also told me not to fill out a fraud packet due to me not keeping the account open with regions bank and that they would take care of it and try and find out what was going on! They copied my license. I gave them my number they told me to freeze my credit and I did as soon as I left! The manager called me and said it was fraud activity and they would be looking into it further. Then today I receive the email of the money sent back that was deposited and I called the online help desk and they said that there was a small hold on account but it was not froze.
Product: Debt collection

On XXXX I called Franklin, I had to email them to get permission for my negotioator to speak with me on the line in writing. After she did this I was emailed back and so was she telling us to call the servicer. 
On XX/XX/22 I called the servicer for Franklin XXXX XXXX XXXX XXXX XXXX ) to see if I could settle the {$830.00} medical debt it shows owed on my credit report. I spoke to XXXX XXXX at XXXX and she told me I owed {$1800.00}. I asked her if she had been mistaken as this is over {$1000.00} more than is shown on my credit report. She say it was because of interest and other costs. They are posting {$830.00} on my credit yet demanding {$1800.00}. This can not be legal. I have received nothing in the mail about this as they didnt even have my correct address on file prior to this phone call.
Product: Checking or savings account

Hello I opened account with chime on XX/XX/XXXX my paycheck was deposited and within 20 to 30 minutes maybe more from deposited my check was gone between XXXX XXXX and coach.i had them stop access to account they let continue ... they refunded over XXXX of my check and been fighting since to get the XXXX... I have submitted everything I've been told spoke numerous times to supervisors.supposedly highest I could get.still no result ... .I have XXXX kids and have lost utilities because of this alls I want is rest my check put back so I can get close account ... .last rebuttle I filed claim they sent a email XXXX of XXXX never received ... ... they just keep wanting to refill rebuttle
Product: Credit reporting, credit repair services, or other personal consumer reports

DOSCOVER IS FRAUDULENTLY REPORTING THAT MY ACCOUNT IS OPEN AND LATE. THIS ACCOUNT IS CLOSED AND WAS SETTLED OVER 4 YEARS AGO. HOW CAN I BE LATE MAKING A PAYMENT WHEN THE ACCOUNT IS CLOSED AND WHERE IS IT LEGAL TO REPORT TO XXXX  XXXX  XXXX XXXX WHEN THE ACCOUNT IS CLOSED. THERE NOWAY I COULD BE LATE. DISCOVERED REPORTED XX/XX/2020 THAT IAM LATE ON A CLOSED ACCOUNT. THIS IS ILLEGAL
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - 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 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 an account without my written instructions.
Product: Debt collection

I received another phone call today from XXXX ( XXXX XXXX XXXX. The people said they were calling on behalf of or from a department within American Express. They were calling me in order to try and contact someone else. They have called three times, most recently on XX/XX/2019 at XXXX EST. The first time they called I let it go to voicemail. The second time I answered because I thought it was work related. The third time again I thought it was work. I think they maybe used a different number. Each time they kept asking me to pass on a message to someone else on their behalf. I have no idea if these people are legit or not. On the second call I REPEATEDLY told them to remove my number from this list. They wouldnt listen and kept talk so I eventually hung up. Then today they called again and again I kept shouting to remove my number from their list. They also kept talking to try and get me to answer their questions. BOTH times I spoke on the phone they said it was being recorded.
Product: Credit card

Comenity - Sephora Visa credit card ending XXXX paid by paper check to po box address listed on statement. Check processed by company weeks after being mailed and subsequently received {$30.00} late fee and {$2.00} interest charge.

Comenity agreed to waive interest and refund {$15.00} from late fee but refused to credit the remaining {$15.00}, even after I explained that I paid by paper check and sent check ahead of due date. 

Request is for waiver of entire {$30.00} late fee and {$2.00} interest charged. 

Request to close this account as the processing of payment caused me to incur fee that Bank will not refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute regarding the date of when this collections was opened on my credit report. I disputed this several times over the last 3 years. My dispute were never investigated and I never received an explanation of why the date was changed. The account was not opened in XX/XX/2019. Which is incorrect information. I even reached out to the original creditor who didn't want to confirm the dates either. I also have not been able to get confirmation about the debt either. am at this point to seek legal action against the credit bureau and original creditor for negligence for not investigation my disputes.
Product: Debt collection

My wife and I filed for Chapter XXXX bankruptcy on XX/XX/XXXX. The bankruptcy was discharged on XX/XX/XXXX with the final distribution signed by the judge on XXXX ( attachments provided ). One of  the creditors listed was XXXX XXXX. The debt owed to that company was discharged with our other debts on XX/XX/XXXX. Fast forward to XXXX when we tried to refinance our home and found an adverse credit mark on our credit from a company called : MCNEIL & MEYERS RECEIVABLES MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX ( XXXX ) XXXX. According to our credit reports, the debt was placed for collection on XX/XX/XXXX. This date is 6 months after our bankruptcy was discharged and nearly a month after the final distribution. We had opened no new account with XXXX XXXX. I contacted McNeil & Meyers and sent a copy of the bankruptcy discharge paperwork showing XXXX XXXX had been included in our XXXX bankruptcy. They refused to take it off our credit report and said they could only comment it as a bankruptcy. We then disputed the debt through XX/XX/XXXX and XX/XX/XXXX ( XX/XX/XXXXdid not show it ).  This what we received fromXX/XX/XXXX which is how we started the dispute : Direct Dispute Past Dispute XX/XX/XXXX Completed MCNEILMYERS Reported on XX/XX/XXXX {$0.00} Item Results Result : Deleted - XX/XX/XXXXhas deleted the account or record from your XX/XX/XXXX credit report. 

Dispute Reasons Accuracy : This account is not a collection or charge-off. 
This account is included in bankruptcy. 
Dispute Results From XX/XX/XXXX XX/XX/XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. 

I just got a message today about a new adverse mark on my credit report and this same debt collector has entered this same incorrect information on my and my ex-wife 's credit reports, showing that it was closed on XX/XX/XXXX and our account updated on XX/XX/XXXX. My ex-wife checked her report and it is back on hers as well. 

My wife and I have since divorced and both of us are getting ready to buy new homes and this will obviously affect our ability to do so or to get a better interest rate. I want this entry removed from my credit and this company advised to stop adding it to my credit. It was not a charge off, it was discharged in bankruptcy and this company knows full well that is the case.
Product: Debt collection

I did not authorize to consent nor benefit from the listed account ( XXXX ). Block and Remove
Product: Debt collection

I am a victim of identity theft I notice an account was open without my knowledge or consent in the amount of {$330.00} I have filed an identity police report with the local sheriff office
Product: Prepaid card

I have two different American Express Gift Cards, one with a {$40.00} remaining balance and one with a {$100.00} balance and they have become impossible to use. On multiple transactions with the {$100.00} card, I have tried to use my cards and they are declined. The card verification always goes through, taking the temporary XXXX transaction but then declining the actual purchase. Contacting AmEx Gift Cards, they tell me to use a merchant that requires the Expiration and 4 digit security code. All of the vendors I have used require this information for checkout. I specified that the vendors collect this information for processing and these vendors were XXXX XXXX XXXX which I have no trouble with when using any other card, including XXXX gift cards. They also repeat the line that they have implemented stronger security measures requiring this, but have no issues with my AmEx Delta Platinum card at these same vendors. 

The {$100.00} card was loaded on XX/XX/XXXX, with transaction attempts from XXXX on XX/XX/XXXX & XX/XX/XXXX. Additional transactions via vendors, including XXXX based vendors were attempted on XX/XX/XXXX. 

I requested to speak with a supervisor and was told that the supervisor would just read the same script back to me and tell me the vendors are not sending the 4 digit security code and expiration. They are not even looking into the issue, giving the run around and holding money hostage.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have some Fraudulent inquiries appearing on my credit report. 

XXXX 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 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 card

Synchrony Bank, holder of Lowe 's credit card and " Synchrony Home '' ( finances appliance and other home purchases ) will start charging XXXX a month for paper statements. 

Personally paper is a preference, but for those who do not have access to the internet ( many older people, for example ) this is an undue burden. 

I'll be paying off my accounts and closing them because of this change, but the CFPB should investigate for the reason stated above. 

Thank you.
Product: Student loan

In XXXX of XXXX  I requested a refund from MOHELA for the payments I made on my student loans during the XXXX XXXX. I was told shortly thereafter that my refund request was granted and that I would be receiving a check within the next XXXX days. I never received a check and called MOHELA twice over the summer XXXX  and was essentially told to wait longer. I still hadn't received the refund and called again last week ( XX/XX/2023 ). I was then told that I would need to resubmit the request but they did not give any clear reason for this. This is a substantial amount of money and I have really needed it.
Product: Payday loan, title loan, or personal loan

I took out a grain loan in 2020 and set up automatic payments from my bank account. Unfortunately I had to switch bank accounts and that is where the problem started. First of all, Grain is only for XXXX devices, which was fine when I had an XXXX, but after that device broke, grain offers NO way to access your account. Not through XXXX, not through their website, not through an automated call, nothing. So I called, I would wait on hold for 30 minutes only to be disconnected because " no one is available ''. I emailed several times asking how I can pay as I was now several payments past due. Grain couldn't answer a phone or respond to an e-mail but had NO problem reporting my late payments on my credit report. I FINALLY got someone to send me a one time invoice, which I promptly paid, and brought my account current.

When it came do again, I started the whole process again, I emailed and asked for a similar link, no response. I called, hung up on after a 30 minute hold time. I even tried borrowing a friends XXXX  to log in, and I can't update my bank account in the app and I can't get past the " confirm bank account '' screen, for a bank account I no longer have. So I emailed again, no response. 

Now they're going to end up posting MORE late information on my credit when I have done every bit of due diligence possible to make this payment. They are forcing their clients to suffer for their inadequate customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( I have attached a copy from my credit report showing the inquiries from the XXXX XXXX XXXX days. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same type of lender and therefore should only be reporting as ( XXXX ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( XXXX ) inquiry. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is continued to my previous complaints listed below : XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX Credit Bureau XX/XX/2022 XXXX Sent to company XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report experian consumer fraud division XX/XX/2022 Open Sent to company XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX ( Fraud Victim Assistance Department XXXX XX/XX/2022 XXXX I provide a police report which I forgot to upload in my last complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was involved in the XX/XX/XXXXdata breach and ever since I have had multiple accounts and other personal info on my credit reports that don't belong to me and I did not in no way authorize. I have filed a police report and identity theft report. I have disputed it with all three credit bureaus and still the stuff remains like Im liable for it when I did not authorize any of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX  ( Original Creditor : T XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX ) XXXX  Balance : {$390.00} XXXX XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4300.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX Inquiry : XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I pursued a loan/installment plan from XXXXXXXX XXXX XXXX XXXX, and many red flags of illicit activity arose. The evidence is overwhelmingly clear that XXXX XXXX  is a scam. I have reported them to the CFPB five times ( the previous ones attached here ), and the last time I also forwarded the evidence to the Federal Bureau of Investigation XXXX Federal Reserve, Federal Trade Commission, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and the Securities and Exchange Commission to ensure this matter is thoroughly investigated and accountability takes place. 

Credit bureaus : DO NOT allow any information or activity associated with XXXX XXXX  to be factored into my credit score at all. They are not a legitimate company or service. And please do not respond here with a series of graphs, numbers, etc. that imply their " loan '' is valid. Because it is not. Erase them entirely.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be the result of a data breach or fraud, and I am requesting a thorough investigation into their legitimacy. Furthermore, I demand verifiable proof, including my signature or electronic signature, to substantiate these actions. 

This letter is being sent directly by me, not through a third party, and I ask that you carefully review the information provided. I did not authorize the actions reflected in my credit report. Their presence constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ], and Section 604 : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
After contacting the companies involved, I confirmed that these actions were initiated without compliant validation or original proof. The accounts and inquiries in question are factually inaccurate and unauthorized. These entries are the result of either a data breach or improper reporting of my consumer information by creditors or third-party data furnishers. 

I respectfully request that you take immediate action to investigate these matters and remove the unauthorized entries from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response within the required timeframe as outlined by the FCRA.
Product: Prepaid card

On XX/XX/XXXX i purchased {$140.00} with of product from XXXX. They stated they would provide tracking within XXXX days of purchase but never did. I have reached out multiple times and requested they cancelled my order and refund my purchase but they refused. I have wanted to use the gift as a present for XXXX but it wasnt here in time. I then thought i can use the product as a new years gift but it wasnt here in time. I then told my self i can use it as a gift for valentines day but it still isnt here. Today is XX/XX/year> and i havent even received a shipping notification about the product. All i want is to be refunded but they have yet to do so. I reached out to cashapp and they have denied my request multiple times to dispute.
Product: Credit reporting or other personal consumer reports

Company reduced credit score by XXXX XXXX points without stating a reason for their action.