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

I was making a cash deposit of {$600.00} in {$100.00} bills on Saturday XX/XX/XXXX at the BMO atm at the XXXX, CA branch # XXXX. In the middle of transaction it said there was an error and was not accepting deposits. It then returned my card and I assumed my money as well but it never did. I figured it at least would credit my account but it didnt do that either. That is when I called customer service number and filed a claim. # XXXX. It was a Saturday and since it was closed I was told I was told I wouldnt hear anything back until Monday. I then figured it would be easier to just go into the branch on Monday when they opened. I did so and was told the branch itself doesnt monitor the atm that an outside third party does and it does so on wednesdays. Since Wednesday was a holiday, XXXX, they wouldnt service it until Thursday. No one can contact this third party XXXX, nor has anyone contacted me regarding this issue and why my deposit still hasnt been credited to my account. I was left with {$26.00} in my account over the XXXX week and still to this day on the XXXX. I dont understand why the third party XXXX who services the atms wouldnt realize that the atm was over {$600.00} when they were there on the Thursday the XXXX to service the atm and give it to the bank so they can credit it to the account. I have heard nothing from the bank on Friday once the third party serviced the atm. 
While I was filing a claim with the bank that Saturday, I was sitting in the car watching person after person using the atm making successful transaction except for the one gentleman who tried to make a cash deposit and it was declined. It tells me there was an issue with deposit side of the atm since one other person was able to make withdrawal. I also explained this to the bank and every person I spoke to on the phone since. No one is helping me find out the issue to be resolved. 
Can someone please help me get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and exsperion have a negative report on my credit report which is fraudulent to XXXX XXXX XXXX colected by XXXX XXXX for {$370.00} .... not my address and my XXXX XXXX XXXX bill is up to date at my home address,,, they used my social security number to open the account affilitated group account number is XXXX
Product: Credit reporting or other personal consumer reports

It has been XXXX  months since I have sent a dispute with a notice to opt out of reporting my nonpublic information on my consumer report and I have yet to receive a response. This is why I am submitting a complaint today. Per 15 USC 6802 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal to report the following accounts on my consumer reports. Account # ; XXXX, XXXX, XXXX. As you are a financial institution, I demand that these accounts are removed from my reports permanently. As federal law dictates, I the consumer can revoke consent at any time and of course it can be specified. If you do not believe that you must abide by this law, I will reference your XXXX and/or XXXX forms from SEC filings.
Product: Money transfer, virtual currency, or money service

I tried to tell my boa agent, it was a fraud transaction. And I want to cancel the transaction and get the money back to my account. But they will not do that bed it was through XXXX. Someone need to catch those scammers and get the money back to their rightful owner
Product: Credit card or prepaid card

Hi Vanilla, I called a week ago Friday, XXXX XXXX, to report a fraudulent Vanilla Gift Card. My family handed me a Vanilla Gift Card for my birthday they bought for {$100.00} plus a {$5.00} activation fee. The card was purchased at XXXX 's in XXXX, XXXX. 

I tried to use the gift card at two different XXXX stores but the card was declined both times. One of XXXX 's associates also could not get the card to allow me my purchases. 

Attached is a copy of the original XXXX receipt showing the card was activated on XXXX XXXX, 2022 at XXXX XXXX When I spoke to your customer service agent on Friday XXXX XXXX, 2022 she told me someone had used XXXX to purchase an item with my card. 
I have not used XXXX in over two years. The balance on my {$100.00} gift card shows only {$.00}. Unacceptable!!! 

I am requesting an explanation of how my money was spent, the exact date with time. I am also requesting what you intend to do about my missing {$100.00}. I have been told anyone activating a gift card has access to the purchase record and can fraudulently steal the account numbers, expiration date and security code to use the card. 

I am requesting a speedy, prompt and full refund resolution to my missing money. 
My family and I are equally disappointed about this horrible ordeal and suggest you find a permanent solution to fraudulent use of gift cards. 

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

I had already submitted complaint XXXX but the details of the situation are below : I have been a victim of identity theft since XXXX I had notified and frozen my report with all 3 bureaus, there were numerous attempts but none successful until this past week. 

On XX/XX/XXXX, I received an email from Experian that my information was changed in their database, I did not request any of those changes be made. I called them the same day and requested the file be frozen as I faxed and mailed my information in which I did that same day. They promised me on a recorded line that the file would remain frozen until I got the PIN # in the mail to my address on file. 

On XX/XX/XXXX I received an email that my file was thawed until XXXX there were 2 inquiries that hit my report from XXXX XXXX and XXXX XXXX that were both fraudulent. 

On XX/XX/XXXX I called Experian again to try and regain access to my file and online portal, they were able to get me into the account last night around XXXX. I felt like everything was good I added 2 factor authentication and a security PIN to the account. 

On XX/XX/XXXX I logged back into the portal to verify my credentials were valid and immediately saw they were reverted back to the fraudulent email that had been flagged for them before. I asked if they could get me back into the account and add any security measures they then proceeded to transfer me to 4 different departments before hanging up on me. They told me the only way they could protect me is if I did a paid membership with them to protect my credit which I have little to no confidence in given the 19 hour turnaround to get me removed from my own file/account again.
Product: Credit reporting

Equifax conducted an investigation on XXXX XXXX, 2015 on report late payments from a creditor that were incorrect. ( XXXX XXXX XXXX ) - the very next day I received results stating that the historical information was deleted from my profile. To date, the report has not reflected the change.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, Ga XXXX XXXX XX/XX/year> TRANSWORLD SYSTEMS I XXXX Subject : Dispute of Information Under XXXX XXXX. XXXX Dear TRANSWORLD System I, I am writing to formally dispute the accuracy of the information furnished to you regarding my credit file. According to 15 U.S.C. 1681, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable.I want to bring to your attention that I have never provided written consent for my information to be furnished to you or for you to obtain my information. This lack of consent raises serious concerns about the validity of the data reported and your compliance with the Fair Credit Reporting Act ( FCRA ) .Please consider this letter as my formal request for you to investigate this matter. I request that you provide me with documentation that confirms my consent for the reporting of my information. If you are unable to furnish such evidence, I ask that you promptly remove the disputed information from my credit report. I appreciate your prompt attention to this matter and look forward to your response within the timeframe specified by the FCRA.Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 inquiries that I did not authorize and have 3 credit card accounts that have in- accurate dates of last acitvity and a inaccurate charge off status and 2 previous addresses I never lived at
Product: Credit reporting 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 XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

Amazon has been notified numerous times to cancel charges and have been doubled charged for items I returned within the return policy and now I just received a product to contact them and im not contacting them again to return item and receive refund. A solution is being given refund and canceling the monthly charges and getting my money back.
Product: Debt collection

company JEFFERSON CAPITAL SYSTEMS LLC has been harassing me for the past 2 years with phone calls and letters in the mail about 2 different accounts said owed. and now they are suing me without properly serving me as a scare tactic. I've asked for full proof of validation of the amount owed. asking for account numbers dates and names and addresses and reason for the money owed and they have failed to provide that to me.

amount supposed claimed owed is {$8500.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information and Unauthorized Inquiries on TRANSUNION Consumer Report Dear CFPB I am writing to dispute inaccuracies and unauthorized inquiries appearing on my TRANSUNION consumer report. I believe these discrepancies may result from reporting errors or unauthorized access to my personal information, potentially linked to the recent national data breach affecting credit-related institutions. I request a thorough investigation into these matters and immediate corrective action. 
Disputed Accounts, Late Payments, and Inquiries : Company Name, Account Number 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 XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or unverifiable information on my report. Additionally, under 15 U.S.C. 1681b, any inquiry must have my explicit authorization and a permissible purpose. If the reported items or inquiries were the result of unauthorized access due to the breach, they must be immediately removed.

Furthermore, under 15 U.S.C. 1681e ( b ), TRANSUNION has an obligation to ensure the maximum possible accuracy of information reported. Late payments that can not be verified as accurate or authorized must be deleted from my file.

Attached is my TRANSUNION consumer report regarding this matter.

Thank you for your attention to this urgent matter. I request written confirmation upon completion of your investigation and corrective actions. 

Sincerely, XXXX XXXX XXXX, XXXX.
Product: Credit card

RE : sears credit card # XXXX XXXX XXXX XXXX Last for digit SS # ; XXXX Under settlement and as suggested by citibank I tried to pay {$600.00} remaining balance but I could not make payment via XXXX XXXX XXXX or XXXX XXXX XXXX. On XXXX/XXXX/2016 between XXXX and XXXX ET I spent more than a hour to reach right person to make payment. They kept on transferring my call one to the next and eventually cut me off two times. Only GOD can have mercy. Please give an address to mail $ XXXX, so that will be the end of the matter. CFPB can verify what is stated here using my account number, etc. This is really bad.
Product: Checking or savings account

On XX/XX/2022 A an account at Bank of America was opened in my name along with online and mobile banking services. They used all of my contact information as well as my personal information. They had my social security number, email, phone number and date of birth,
Product: Credit reporting or other personal consumer reports

Trans union is reporting XXXX XXXX collect OPEN # XXXX, # XXXX, # XXXX Transunion is reporting is incorrectly According .FCRA I have the right to accurate credit report please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax- has locked my credit- I can not get a report, can not get electricity providers or auto insurance. Called Equifax was told that there is an issue but they would not tell me what the issue is. Told I have to mail a photo copy of my DL and SSN to a po box in XXXX, GA- this sounds sketchy and I am not comfortable doing this but they offer no other alternative to correct this issue. Please advise
Product: Debt collection

This company provided an installment contract from XXXX BANK. 
XXXX XXXX XXXX did not provide a signed contract with my signature as XXXX XXXX XXXX they also did not provide a breakdown of how they calculated the debt to be {$4200.00}. 
This is not proper debt validation this is fraudulent practices and violates my rights under FCRA law. 

This company is know for their deceitful practices and wrongful debt collection practices. 

I am requesting a signed contract with my signature and XXXX XXXX XXXX as the named lender over the contract the provided documents are tampered with and fraudulent. 

I am requesting the charge off amount as well as the alleged amount owed and the breakdown of how this was calculated. 

I am requesting a payment ledger of all payments received, the dates of the payment made towards this alleged debt. 

I am requesting the payment dates I am requesting the close date of this account and the actual charge off date and actual charge off amount.
Product: Credit reporting

I had an account go to collections fall of XX/XX/XXXX. I made arrangements w/ the collection company and paid the account in full. XXXX XXXX the collection company reported to the credit bureaus that the account was paid and it was removed from my credit reports. Now, the account has re-appeared on my credit reports showing the account in collections. I do not have any accounts in collections even though my reports show that I do.
Product: Debt collection

I first began receiving text messages of a " XXXX XXXX '' in XXXX XXXX  I contacted the Creditor who is supposedly owed the debt on or around XX/XX/2023 regarding the balance ; the agent advised my account is in good standing and I have no outstanding balance. Moreover, to be certain, I encouraged the Agent to validate with her supervisor to confirm, which she did and subsequently advised me to ignore these notices as SPAM. 

I received a written notification from a debt collector in XXXX, which I disputed online and in writing ( on XX/XX/XXXX ), however I've since received a subsequent notice from a debt collector
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several inaccuracies that need to be addressed. For instance, XXXX XXXX incorrectly reports payments from XX/XX/XXXX to XX/XX/XXXX as 90 days late for four consecutive months, and XXXX and XX/XX/XXXX are also marked as 30 days late. XXXX XXXX shows inaccuracies with late payments for XXXX and XX/XX/XXXX. Additionally, XXXX XXXX has reported a debt without providing proper validation. 

I am disputing these items with Experian under 15 USC 1681i ( a ) ( 1 ) ( A ) and requesting thorough documentation of their investigation. 

I also requested XXXX XXXX to validate the debt under the FDCPA.
Product: Checking or savings account

On XX/XX/2021 I started receiving emails from Chime. They were saying I have a new account tied to my email and I also started receiving texts. I never signed up for this account. When they texted me saying my debit card was on the way I got concerned. My credit report shows no new activity. I contacted them to close the account. They can not close the account without a picture of the front and back of my ID as well as a picture of me holding the ID. Whoever opened the account was able to do so without such information. I shouldn't have to provide private details that could allow my identity to be stolen in order to close an account that I never opened. They are either allowing scammers to open accounts without any information, or they are opening accounts for people in an attempt to market their product in a very shady way.
Product: Debt collection

This is not done in error and/or third party. I consumer ( XXXX XXXX ) recently review a copy of my credit report and I realize that as a consumer XXXX XXXX XXXX is violating my rights. I have never done any business with XXXXXXXX XXXX nor do I owe them any debt. They are violating my rights by having my personal information with is defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They have communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. This debt is false and misleading which is another violation according to 15 USC 1692e. Another violation is that this company is violating 15 USC 1692f. I have attached my ID & SSC to identify me.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
XXXX XXXX XXXXXXXX ACCOUNR NUMBER XXXX Here is the item I am asking you to verify as accurate.
Product: Credit reporting or other personal consumer reports

Credit card is still reporting on credit report when it should be charged off. Currently over XXXX past due, and the company is still increasing balance. Request for account to be reported correctly on credit report. Company in direct violation of fair credit act.
Product: Credit reporting or other personal consumer reports

I am writing to request the correction and update of my personal information as reported by your credit reporting agency under the Fair Credit Reporting Act ( FCRA ). The personal information that should be reported is as follows : - **Full Name : ** XXXX XXXX XXXX XXXX Address : ** XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX **Date of Birth : ** XXXX - **Social Security Number : ** XXXX Please ensure that only this information is reflected in my credit file. If there is any other information present, I request its immediate removal. It is crucial that my credit report is accurate, complete, and up-to-date. 
I expect this information to be updated immediately and request written confirmation once the changes have been made. If you require any further information from me to facilitate this request, please contact me at your earliest convenience. Thank you for your prompt attention to this matter.
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  Account XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX  XXXX Account numberXXXX has violated my rights. Or 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

Recently I checked my credit report and noticed multiple billing errors still being reported after disputing the inaccuracies with TransUnion of student loan late payments. On XX/XX/XXXX I submitted a certified mailed dispute to TransUnion regarding these late payments on my student loan accounts and still have not heard nothing back from TransUnion concerning the matter that I had to give them a phone call XX/XX/XXXX. Aren't they supposed to ensure that everything is reporting accurately? As I know the creditor did not notify me XXXX days beforehand with a statement so there should be no late payments on these accounts when I did not have a payment plan to begin with. I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late on these accounts that was on an {$0.00} XXXX deferred repayment plan because this is clearly a billing error. TransUnion is reporting that I paid XXXX days late in XX/XX/XXXX without reporting late payments in the previous months that are marked OK clearly another billing error. How is this even true because I can't be XXXX days late without first being XXXX and XXXX days late in the previous months. These accounts do not meet the FCRA requirements and I want my report immediately updated to paid as agreed/Never late and to please delete ALL inaccurate late payment marks/remarks in XX/XX/XXXX boxes along with ANY inaccurate comments on my credit report for these accounts. The items below should all be updated to paid as agreed/Never late on my report. Immediately delete ALL late payment marks/remarks associated with these accounts and the inaccurate comments. # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX