23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

my personal info was used to open credit card with Barclays bank, they changed my address and no statement was coming to me. When I found out the problem I called and reported it to Barclays in XX/XX/XXXX, the charges on card was {$10000.00} then. They closed the card and issued credits. on XX/XX/XXXX they sent me a credit check for {$200.00}.

Now they are sending me a different credit card saying I owe {$31000.00}, I have called and sent them letters they do not reply nor call me back, and now they send a different card saying I now owe {$13000.00}, these cards are not mines and they still have it on my credit report with the fraudulent address.
Product: Credit card

I purchased a ring from Kay jewelers using a Jared preferred credit card and was offered a promotional offer. I was not examined this promotional offer from the employees at Kay jewelers fully causing me to have a large amount of interest tacked onto my balance.
Product: Credit reporting or other personal consumer reports

Cfpb complaint inaccurate information In pursuant to 15 US Code 1681 this is considered a violation I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This comany is reporting inaccurate credit limits, inaccurate High Credit, Inaccurate Last Reporting Date, inaccurate Date Last Active, inaccurate Date of Last Payment. Congress has made it clear of the FDCPA to ensure 100 % accuracy this information reporting is not 100 % accurate and should be deleted immediately. 

XXXX ACCT # XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 seven years.

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

FTC attached shows few fraud account opened under my name and used and misused. 
i have disputed these irrelevancies with Equifax and XXXX, some have been deleted but these three account are XXXX  my credit and are inaccurate, please have these account removed from my credit reports, i have never lived under these addresses these creditors have, and few personal information were inaccurate, these do not belong to me please help me. 

thank you
Product: Debt collection

Got woken up by a phone call at XXXX this morning ( XX/XX/2024 ) from XXXX. I did not answer the call. XXXX minutes later, at XXXX, I called the number to verify who called, and the number belongs to Westlake Financial Services XXXX the lienholder of my vehicle ). This is in violation of CFPB law ( 15 U.S. Code 1692c )
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX  Account number # XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  Account numberXXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number XXXX and XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX, XXXX, XXXX, XXXX, and XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX Account name : XXXX XXXX XXXX Account number : 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.

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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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

I have sent letters to all the companies to remove hard inquiries. The refused to remove them. I have also sent in an investigation application to the credit bureaus and have no word about it. Their has been identy theft with my email address
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I deposited a USPS-issued money order into a Wells Fargo ATM . The machine failed to correctly read the money order, incorrectly registering the value as {$0.00}, and reversed the deposit. Wells Fargo has refused to properly process the money order through standard banking channels or return the physical instrument to me. 

I have contacted Wells Fargo through multiple channels, including branch visits, phone calls, and email, providing clear proof of the actual monetary value of the money order. Despite this, Wells Fargo agents have declined to assist or escalate the matter. They have not attempted to submit the money order for clearing, nor have they returned it to me. 

The United States Postal Service has informed me that no action can be taken to replace or refund the money order without the original instrument, which Wells Fargo continues to unlawfully retain. 

By failing to properly process, safeguard, or return my negotiable instrument, Wells Fargo is in violation of its fiduciary duties and may be liable for conversion of property. Their actions ( and inactions ) have caused me financial harm and placed me in a position where I can not recover my funds without intervention.
Product: Credit card

On I made a charge on XXXX XXXX for {$2300.00}. I did not to this day receive any merchandise. I disputed the transaction with Apple because I dont have the merchandise. They sided against me based on the merchant providing no real evidence. Merchant uploaded tracking to a city far away from me that is clearly not me and XXXX of his other customers This is unacceptable I now have neither the funds not the merchandise
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX was contacted by me to find out their charges for credit card terminal services. They have collected information from me, HAVE NEVER sent me any terminal, have never provided ANY service to me, and WITHOUT MY PERMISSION OR AUTHORIZATION HAVE WITHDRAWN MONEY FROM MY BUSINESS ANK ACCOUNT. 
My investigation with my bank has revealed this : XXXX XXXX XXXX, XXXX # XXXX, has withdrawn from my bank account {$300.00} for equipment purchases, re-programming fees, gateway fees, virtual terminal transaction, website design, logo design and shipping. 
HOWEVER, I have NEVER signed a contract with them - i had merely filled a form requesting their services, AND ONCE I HAVE FOUND THEIR CHARGES I HAVE IMMEDIATELY NOTIFIED THEM THAT I DO NOT WANT THEIR SERVICES I have NEVER received from them ANY equipment, terminal or services. 
I have never given them ANY permission to withdraw money directly from my account. Rather, if anything, as the potential FUTURE credit card terminal service company I was considering using - I provided on their service application form the details of my bank account in order for them to DEPOSIT collections directly there. I HAVE NEVER AUTHORIZED THEIR PRESENTING TO MY BANK AN ACH AUTHORIZATION before a contract could be signed between us They have never shipped to me ANY product. Their billing me for shipping : {$48.00} is an illegal charge based on FRAUD
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved. 

from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, I revoked my ACH authorization and was told via email and phone that the ACH authorization had been noted and that my bank account information had been removed. Today, XX/XX/2021, a payment was deducted from my bank account. This payment was not authorized by me. I have contacted the company to reverse the payment but with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXXXXXX XXXX XXXXXXXX
Product: Consumer Loan

AVANT LOANS : This company does not allow you to update your bank information online in order to pay the loan. They require undue burden of mailing in a voided check which could cause problems with the old checking account and unnecessary fees for returned items. They also do not allow you to update your address online - it must be through mail or fax. 

I wanted to pay additional money on my account toward principal. This company does not allow that and requires that interest and fees are paid first - even if you have made your regular monthly payment. I asked what amount of my payment would go toward the principal and they REFUSED to answer unless the payment was made. there are no payment tables, no customer support regarding early payoff totals - nothing. 

Address is absolutely not found or VERY difficult to find on website. Contact Us takes you to a form - you fill it out and hope someone gets back to you.
Product: Credit reporting or other personal consumer reports

I went to check my credit score and saw there was XXXX hard inquiries on my credit report that I did not permit nor recognize and I than filled out a ftc report that I am now reporting to you. 
XXXX  XXXX XXXX XXXXXXXX XXXXXXXX XXXX Bank CBNA XXXX XXXX  XXXX XXXX XXXX Bank None of which I permitted my credit be used or ran.
Product: Money transfer, virtual currency, or money service

American Express is in our opinion a den of thieves. For example see the attached " response letter '' which was sent to CFPB in response to our complaint that we provided them all the documentary evidence ( also attached ) that they need to reverse their cardholder XXXX XXXX XXXX 's credit card charge back of {$5000.00}, back to us, in our favor. Please help us cut through AMEX 's modern day highway robbery and return our duly earned legal fee based on the duly signed contract and itemized billing invoice sent to the customer.
Product: Debt collection

On XX/XX/XXXX, I received a call from CMER Debt collector about an outstanding medical debt for approximately {$610.00}. On that date, I requested to be mailed the debt validation information. After that call I recitation five additional calls from them on XX/XX/year>, XXXX, and XXXX. Each time they called, I requested for validation. After confirming my address located at XXXX XXXX XXXX XXXX # XXXX, XXXX, VA XXXX ; I was informed that they sent out three letters and they have all been sent back to the collector. I then provided my email, but I have yet to receive any validation information. The supervisor, XXXX, explained that they actually didn't have any of the debts information to provide and to keep waiting. This conversation took place on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Saint Louis Missouri Laws Dear AWA COLLECTIONS, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri identity theft and fraud laws, specifically Missouri Revised Statutes Section 570.223. 

It has unequivocally come to my attention that AWA COLLECTIONS has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Missouri Revised Statutes Section 570.223 establishes clear guidelines for the protection of personal information and the severe consequences of identity theft and fraud. 

I assert with unwavering certainty that I have not provided consent for AWA COLLECTIONS to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that AWA COLLECTIONS immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri Revised Statutes Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that AWA COLLECTIONS will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Money transfer, virtual currency, or money service

Used Wells Fargo Banking App to transfer/pay a Wells Fargo issued Credit Card-Payment was meant to be {$130.00} dollars but I entered {$1300.00} ( XX/XX/XXXX ) -I immediately tried to correct this ( but the funds re pulled out immediately and there is no undoing it ) I alerted Wells Fargo of the error within in 10 minutes of doing the original transaction. 
On XXXX Wells Fargo took the {$1300.00} credit/incorrect payment off of the credit card and moved {$1200.00} back into my checking account. 
On XXXX @ XXXX EST I called Wells Fargo requesting to know why where was the {$130.00} dollar difference-verified they were not trying to charge me a cash advance fee or any other fee-was advised no it was an error and the claim ( XXXX ) was still open it was noted and the claims department would see this. 
I called today just now and spoke to XXXXshe advised that on XX/XX/XXXX the claim was sent to another department to " find '' the {$130.00} and that this process would take 7-10 more business days. 
This credit card does not and has not had a balance on it, there zero reason it should take this long to get this resolved.
Product: Money transfer, virtual currency, or money service

I was paying rent for XXXX. My Landlord asked me to use XXXX to make the payment. She said to find her profile, and i could pay using her email address. I found her profile with her first name, middle name. I did not see that her email address was off by 1 letter. I sent the rent to this profile using the Chase Bank App through XXXX. The bank tells me the money is gone there is nothing they can do. XXXX says I need to bring it up with Chase Bank, there is nothing XXXX can do. 

I talked to my Bank about 5 times and they tell me my money is gone. They are not doing anything to help me recover my lost money, neither is XXXX. 

This was my first and only time using XXXX. 

What can I do to get my {$1500.00} back? 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

Hello, I have had an account with Bank of America, originally with MBNA since the early XX/XX/XXXXs when in college. I have paid this account diligently over the years - using it when needed. Since XX/XX/XXXX I have been living overseas, mainly in XXXX and XXXX working as an XXXX XXXX XXXX. I am an American citizen born in XXXX XXXX. I have continued to pay on my account through the online portal with no complications. I recently moved back to the US ( XXXX ) and discovered - only when I applied for a car loan - that BOA cancelled the card almost two years ago. You can imagine my confusion, as the portal has been completely active with absolutely NO indication the account was closed. I have not attempted to use the card in several years as I was paying off the balance, so no more the wiser. 

As a US citizen relocating back from an overseas post this has been devastating to my credit. I continue to pay on the card - I had no idea until a month ago, was cancelled a few years ago ( again, registered for online payment, no paper content ) I contacted BOA, with lots of confusion on their part, even being told by one employee 'we are shocked you have online access, when the account it closed, you are generally locked out. ' Hmm. I asked for it to be reinstated - only to receive a notice in the mail that my 'new account ' was not approved. Yes! It would not be as they have trashed my credit score - this letter did not even note I was a 'previous ' ( while I still believed I was current ) customer. I do not think in the review process they even saw the moving parts of the human behind the request - their customer. 

This is extremely predatory of the Bank of America. I have been a customer since the early XX/XX/XXXXs and even though I am still an active paying customer they have reported me to the credit union that my account is closed - thus making me appear as the liability. This is destructive for me and my family, including XXXX minor children. I would like the account reopened, not as I want the credit, I want it paid off - but to repair my credit. At a minimum, I need Bank of America to remove this black mark they have created, without even having the respect to let me know. 

Thank you for your time and help. Please let me know if I can provide any further information. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

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

In accordance With the fair credit reporting act XXXX  account # XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions