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

Hi there, On Thursday, XXXX XXXXI used the XXXX app to transfer funds ( {$170.00} ). When I was placing this transaction I obtained an error through the XXXX app and the funds were never received by the recipient. I went to the XXXX app and there was no record of my transaction, but the money was still drafted from my account. On Tuesday, XX/XX/2018 I called my bank ( The local federal credit union in XXXX, TX ) and they stated that the transaction actually posted and was not a pending transaction or authorization. I then reached out to XXXX customer support and they informed me that the transaction failed and that they money should have been returned to my account. I then spoke back with my credit union and they told me that was not the case, that it was actually debited to my account and that there was no way to cancel the transaction, that it completed. After that, I spoke back with XXXX, this time on conference call with my bank. XXXX informed my bank that transaction failed and the money shouldn't have been debited from my account. My bank followed with that transaction did complete and there was no way to return the money, without XXXX issuing a credit. After about 15 minutes of back n forth conversation the XXXX representative said she would need to call me back after they looked further into it. I didn't receive a call back in what I would consider a timely matter so I called back. This time I was transferred to Tier 2 support where I was told the same things I had been told before, just in a more educated way I would say. The XXXX representative told me she would reach out to my bank and contact me within 48 hours. Thursday, XX/XX/2018 I call my bank and there is no record of anyone from XXXX calling them or any credits, so I reach back out to XXXX. I'm now told that, they don't contact banks and the funds should be returned to my account in 14 days. XXXX says they don't know where the money is and can't offer me any real solutions or even answers. I'm just exhausted after all the phone calls, waiting on hold, and even been hung up on. I hope there is something you can do Kind regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been trying to contact the XXXX XXXX XXXX XXXX TransUnion, XXXX and XXXX ) since XXXX but they never get back to me. Kindly resolve this matter today and I insist that you must take off these items from my credit history promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Im having trouble with my paypal account saying : You can no longer do business with PayPal ( Ref ID - XXXX ) ( XX/XX/2021 ) Money the took ( XXXX ) When im busy packing my product which is ( Engine oil additive ) i receive an email from paypal saying. ( You can no longer do business with PayPal After a review, we decided to permanently limit your account as we found potential risk associated with it.

You'll not be able to conduct any further business using PayPal. ) But im hoping for any specific details that why im a being permanent limited but there's no explanation and when i reached them in twitter they always said that my account was a potential risk but no specific reason and when they said that i need to wait my funds in ( 180 days ) But 2 days left before releasing my lock up funds they took all my money, theres no email or notification i get before they took my money, i noticed it when my paypal dashboard become XXXX. Im using paypal as my payment method because i thought it would be safe for my business and now my business has been stop operating because the money they took Please help me to resolve this problem XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I wanted to sell an asset called XXXX XXXX ( XXXX ). Coinbase doesn't offer that option so I needed to swap it for a different asset first. XXXX  is on the XXXXXXXX XXXX so swapping it with XXXX made the most sense. 
Before finalizing the transaction I noticed that after swapping {>= $1,000,000} worth of XXXX, Coinbase would give me {$7.00} worth of XXXX. 
Upon contacting Coinbase, they told me fees can be higher when traffic is higher. 
There is no possible scenario that would justify millions of dollars in fees for a single transaction. 
Additionally, before noticing, I swapped {$16000.00} worth of XXXX for XXXX and Coinbase gave me XXXX XXXX XXXX 
This scam and theft is completely unacceptable and needs to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$12000.00}, {$3500.00}, {$2400.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 


-- AUTO LOAN OR LEASE XXXX. XXXX XXXX CREDIT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

This deals with case # XXXX, in it i stated that Wells Fargo bank had called me to collect a debt I did not owe. This was in XXXX, they called even though I had told them XXXX10 months before that I did not owe them anything. they investigated and found that I was right. they promised to pay me the {$1500.00} fee for this infraction of the do not call registry on which I am enrolled.. This was told to me by XXXX XXXX, thier research and remediation manager, I was sent an agreement letter and a tax info sheet to sign and fax back. This I did on XXXX XXXX at XXXX. i have confirmation from Wells fargo it was received. I was told I would receive a check within 10 DAYS, NOT business days, 10 days period, that was yesterday the XXXX. I have not received the check and XXXX XXXX will not return my calls, this means they are in breach of the agreement and are throwing the rules in yuor face and mine, as they have violated the law and believe that they are above it I think they owe me another {$1500.00} and owe you an apology.
Product: Credit card

I disputed an amount XXXX XX/XX/year> with American Express from XXXX According to XXXX and there emails and phone conversations they refunded American Express American Express is stating they where never refunded and applied a provisional credit instead of a permanent credit I have asked Amex to contact XXXX they have not This should be a closed dispute with a permanent credit given by XXXX XXXX been no attempt from Amex to reach out to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Hey I am authorizing a complaint on my behalf I cant believe you guys are taking advantage of me I am very upset the credit bureaus have not responded to me about my investigation I sent a letter/dispute I need these accounts deleted & updated these are the items I demand to be deleted. 

I demand these accounts be deleted immediately from my credit profile if not I will file for monetary damages because you are in violation of my rights of privacy. US code 15 USC 1681n. Unauthorized inquiries
Product: Debt collection

In XXXX of 2016 I disputed XXXX debts with ERC. In XXXX 2016 I received 3 letters back stating that they were ceasing collection and requesting that the account be deleted from any consumer reporting agency files. Well it 's now XXXX 2016 and XXXX has refused to comply with this request and even reinvestigated my claim. Their reinvestigation resulted in ERC " verifying '' the accounts, but I have letters stating they were requesting my accounts be deleted. I have not heard anything about the XXXX collection account XXXX which the original creditor was XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I sent a letter to XXXX XXXX XXXX in XXXX 2015 with NO response. Shortly after I receive another demand from Commonwealth Financial Systems. I am asking for valid proof of this debt and have not received it.
Product: Bank account or service

I have had a Home equity line with Regions Bank since XX/XX/XXXX. I decided to close the home equity line because they were charging me {$50.00} fee to keep it open. They sent this charge to their collections and reported it to the credit agencies after they gave me a written promise to wave off the balance to this fee back in XX/XX/XXXX. The letter was from XXXX, senior Vice President for collections- XXXX. This has affected my credit score ( XXXX to XXXX ) negatively. I have been to the XXXX Branch of Regions twice and each time they promise to close the equity line. I have called XXXX and disputed this late charge. 
One another note they did not report interest on my mortgage to the IRS in XX/XX/XXXX only send me a letter in XX/XX/XXXX that they had made this mistake.. I had get my accountant involved because of their mistake.
Product: Credit reporting or other personal consumer reports

My report contains incorrect information that is damaging my scores and costing me opportunities. Its unfair and frustrating to be judged based on mistakes that shouldnt even be there.
Product: Credit reporting or other personal consumer reports

I have information in my consumer report that doesnt belong to me. I have attached documentation showing that I was XXXX  at the time of these transactions. I am a victim of identity theft. And this is not a third party filing this complaint .This is a Violation of 18 usc 1028 Please review attached documents and remove immediately. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I found an inaccurate and unknown accounts on My credit report. Its over 30 Days today But No Response. I was a victim of XXXX  Data Breach. I want to delete those accounts ASAP or I will file a litigation.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I want to express my appreciation for your efforts in removing some of the incorrect items from my credit report. However, there are still outstanding items that need to be addressed. This complaint serves as a follow-up to my initial complaint dated XX/XX/XXXX, as I continue to be affected by mistaken credit reporting. I am submitting this complaint to dispute the remaining inquiries on my file, which do not correspond to any transactions involving the acquisition of goods, services, or funds that I have initiated or authorized. Please remove the following inquiries from my credit file as they result from inaccurate credit reporting : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX . According to the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within four business days, provided with ( 1 ) appropriate proof of my identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of the disputed information ; and ( 4 ) a statement affirming that the disputed information is not related to any transaction I conducted.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX Inquiries : XXXX XX/XX/24 XXXX XXXX XX/XX/24 XXXX XX/XX/24 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

I have had a car loan with Santander Consumer USA since XX/XX/2016. I have paid it on time every month. Santander Consumer USA has only sparingly reported my history.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX {$230.00} XXXX XXXX XXXX {$610.00} XXXX   XXXX {$890.00} XXXX XXXX  XXXX {$210.00} XXXX XXXX XXXX XXXX {$390.00} XXXX  XXXX XXXX XXXX {$5000.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX/XXXX  XXXX {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested this company several times to update my payment history. They are currently reporting an account that was paid for and closed and PAID AS AGREED wrongly. They are reporting across the 3 major reporting agencies the history of late payments, there is a complete inconsistency in their reporting across all three. I have also contacted the reporting agencies to deal with this situation. Their lack of proper and accurate reporting is deteriorating my " creditworthiness '' and stopping me from getting credit extended to me, affecting my financial and overall life. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account as late for any purpose. 
Furthermore, pursuant to 15 USC 1681a- ( e ) factual information SHALL NOT be included on a consumer 's report.
Product: Checking or savings account

I opened an account XX/XX/22 and I received a email saying to sign the signature document. I never received a text message confirmation to let me login. So a week later I activated my card and added all the money I had thinking it was okay. I tried to purchase something I got declined over 10 times. So I called the bank they said I had to wait until the deposit post. In order to release the new account hold. So thats what I did. The card didnt work. I called in they said I had to come to a branch which isnt accessible to me because I dont have a car right now and the branch is over an hour away. A representative told me I could fax the document in. Thats what I did on XXXX its been 3 days. I called back today and got told they didnt received it. However I called yesterday and the representative said the document isnt pending no more which is good sign and to give it a business day. I did I called multiple times today. They representatives said they couldnt do anything and to go to a branch. Like I stated earlier I have no transportation to go far away ( an hour away ). I asked if I could just closed the account and they told me to go to a branch. Its a continuous loop. I just want my money. They let me add money but will not let me use or withdraw it. Which doesnt make sense to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I went to the XXXX dealership end test drove a car. I'm really thinking about getting a new vehicle. I went home and checked my credit report just to make sure my score was in the clear. While doing so I noticed of couple of items on my credit report that are not mine. I need these items deleted from my report. I've contacted the FTC and my local police. I'm working on this all on my own. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, 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

The Office of the Attorney General reported my child support to Experian which is unlawful according to the FACT act of XXXX which does not permit reporting anything that did not originate from a credit transaction. Experian is in violation of XXXX USC XXXX ( a ) ( c ) ( 2 ) which requires permissible purpose from the consumer to report anything on the consumers report.
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 XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A. XXXX I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION # 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
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Lexis Nexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, Ga XXXX Complaint Regarding Unauthorized Furnishing of Bankruptcy Account Information To Whom It May Concern, I am writing again to lodge a formal complaint regarding the unauthorized issuance of my consumer report by Lexis Nexis for an impermissible purpose. As a consumer, I am deeply concerned about the potential misuse of my personal information and the breach of my privacy rights. 

I became aware that Lexis Nexis had released my consumer report to the credit reporting agencies. Upon further investigation, it became evident that this release was not in line with permissible purposes outlined in the Fair Credit Reporting Act ( FCRA ). As per my understanding, Lexis Nexis is obligated to ensure that consumer reports are only provided for purposes such as credit eligibility, employment screening, insurance underwriting, and other lawful purposes specified under the FCRA. 

However, the purpose for which my consumer report was accessed does not fall within these permissible categories. This unauthorized access not only violates my privacy rights but also undermines the integrity of consumer reporting practices. I demand an immediate reinvestigation into this matter and request that appropriate actions be taken to prevent such incidents from occurring in the future. Additionally, I expect to be provided with a full explanation of how and why my consumer report was accessed for an impermissible purpose. 

Furthermore, I urge Lexis Nexis to review its internal procedures and safeguards to ensure strict compliance with the FCRA and other relevant privacy regulations. Consumers entrust their sensitive information to organizations like Lexis Nexis with the expectation that it will be handled responsibly and ethically. 

I anticipate a prompt and satisfactory resolution to this matter. Please acknowledge receipt of this complaint at your earliest convenience.
Product: Money transfer, virtual currency, or money service

Cash App kept charging me for stuff that I didnt pay for on my end