23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Bureaus are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my reports. Here is the list of inquiries which do not belong to me or were opened without my permission : EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I received a letter from Transworld Systems Inc ( debt collector ) on behalf of a former employer, XXXX XXXX. The letter stated I owed {$5900.00} but didnt explain why. I also never received any notice directly from XXXX XXXX requesting payment. My credit score could be impacted without me knowing why.
Product: Credit card

A fraudulent charge appeared on my credit card. 

I reported this to Goldman Sachs. 

They reversed the charges and said they would send information about the charges. 

I do not have any knowledge of the charges listed as IN * Student Mentorship for {$250.00} and XXXX, which were charged to my card on XX/XX/. I have never had any interaction with this vendor. I have not received any mentorship services from any vendor nor have I ever received services from any vendor providing student mentorship services. I dont believe IN * Student Mentorship are a real business. 

I contacted Goldman Sachs again on XX/XX/. I sent a letter on XX/XX/, which apparently did not reach Goldman Sachs. The Apple website lists an incorrect website for such disputes, apparently. 

So, I tried again. 

I asked Goldman Sachs for a file regarding the fraudulent charges made in reference to the dispute listed above. This is my fourth request for you to provide this information. To date I have not received any substantiation from you that a valid charge took place. 

I provided a fraud report to the FTC Report Number XXXX. 

Goldman Sachs ' case manager called on XX/XX/XXXX  to say that I needed to prove that I had not made these charges. 

If you XXXX : " In * student mentorship '' no results are presented. 
I have no emails, texts or phone calls from this merchant. 
I was told that I made these charges with my phone in person. 
My phone was never outside of my control on XX/XX/. 

I have asked for evidence that merchant has a valid account with my name, including : receipts, tracking numbers, or written interactions with the client.
Product: Debt collection

In accordance with the Fair Credit Reporting act ENHANCED RECOVERY CO L. 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. 

This is my XXXXrd time trying to get this debt removed from my credit report. 
On XXXX XXXX. Enhanced Recovery CO L was removed from my XXXX  report without it being also removed from my XXXX Report. 
Attached is an Identity Theft FTC Report and well as your removal from XXXX. 
Please remove this from my XXXXXXXX Report Immediately.
Product: Credit reporting or other personal consumer reports

I created a login with TransUnion to Freeze my credit. Their website failed and said it could not process. I then called the number shown and the automated system failed and said it could not process. I then sent a message to a live agent. After an hour they responded and told me to hold and then the system timed me out and would not reconnect me. I then called in and waited on holder forever. The person said that my credit freeze was placed, but could not offer any proof. Additionally I can not check the status of my credit freeze on their website. They informed me that they have a high volume of calls right now, but doing a simple search online shows that their website has been having this issue for years with several complaints. I asked to speak to a supervisor and they started having phone issues magically. I tried to retrieve my free credit report on their website and that declined as well. All services offered on their website do not work. They are intentionally not responding to any avenue I try to reach out on.
Product: Credit reporting, credit repair services, or other personal consumer reports

attached ftc was sent 3 month ago so did another one will continue to do so until the ftc removed
Product: Vehicle loan or lease

I had a vehicle loan with GM Financial ( Acct # XXXX ) which I refinanced to XXXX XXXX XXXX XXXX XXXX XXXX last month. At the time I refinanced my payoff amount with GM Financial was {$28000.00} and XXXX XXXX XXXX XXXX XXXX XXXX wrote them a check for that amount on X/X/17. GM Financial cashed tgat check on X/XX/17 but has not applied the funds to my account, trying to charge me the full balance of my loan plus additional interest since the time of refinance. They initially tried to tell me that the bank reversed the payoff but I have proof that the check was cashed by them. I have made numerous calls to GM Financial, as well as my bank, and faced GM proof that they deposited the check written to them like they requested. They still have not applied the funds they have recieved to my account resulting in me being charged on two loans for double the amount I should actually owe. This has also adversely effected my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am very sad and stressed out, as I keep writing to you regarding my problem already for a long time. The account reported is not mine, only one bureau keeps reporting this error, what else I need to do in order to make you to pay attention to my problem and remove this finally. I already applied so many reports that I am shocked how come until today I am that much ignored. This item is not mine, I do not want to see this in my own credit report. Why EQUIFAX keeps ignoring my problem? This is a mistake and Identity theft issue, why I am ignored? Please remove it finally because I do not know whom else to write about my problem. Please I kindly ask you to take appropriate actions finally and help me. This is my credit report and my face you know, I can not apply for mortgage because of this and my family is waiting for sooner resolution. Thank you
Product: Checking or savings account

My business account should be closed since last week, but Bank of America keep pushing the date of closing account. I received a wire transfer of {$110000.00} from my client. I need my money to work and satisfy my client. The bank slow down my business since 2 weeks now. I want just to close my account and send me my cashier check.
Product: Debt collection

My mother got a phone call from Bayside Capital on Monday XX/XX/2016 for an attempt to collect a debt for me. First of all our phones are connected. I am listed so if anyone wants to contact me they can. When I called this company back they had my last XXXX digits of social and my current address. I asked XXXX why they would call my mom repeatly and he refused to answer and hung up.
Product: Payday loan, title loan, or personal loan

I was struggling already by the end of XXXX with Covid-19 setting in across the world. In order to pay off some debt until my income tax check arrived, I accepted an installment loan from Speedy Cash for {$680.00}. I made sure that I could pay the loan off early once I had the available funds and avoid the ridiculously high apr. If not, I would pay back nearly {$1500.00} for a {$680.00} loan! I made a very single payment up until XX/XX/XXXX when I used a balance transfer offer on my new XXXX XXXX to pay off the balance. The payoff amount was listed my main account page, the only amount other than payment due listed in the very limited information about my loan available online. The transfer showed it had finalized on XXXX but speedy cash contacted me saying my installment was in default. I emailed them back notifying them I not only had made the payment but that I had paid my loan off in full and submitted picture proof of the transaction. The confirmed receipt of the funds a few days later. Well now they have resumed debiting my bank account and show that Im behind several payments and my new payoff amount is over {$300.00}!!! How can I still owe on a {$680.00} loan when I made every payment + a lump {$520.00} payoff amount back in XXXX. I had paid them {$1000.00} as of XX/XX/XXXX while I only owed {$650.00}. Why wasnt my loan paid off? And how in the world do I still owe over {$300.00}?
Product: Credit reporting

Experian has not removed an item in which I have advised is beyond the 7 year time period. XXXX erroneously is providing the first date of delinquency. It is not XXXX of 2009 in which XXXX is reporting. It is XXXX or XXXX of 2009 which this item would be deleted off my report. The payment made to comcast I was told in XXXX 2009 by my cousin was for previously owed bills. The remaining balance was for XXXX, XXXX and XXXX for a total of XXXX dollars making the first date of delinquency in XXXX.
Product: Debt collection

The amount of {$190.00} has ( should ) been paid by my Medical Insurance : PREFFERED MEDICAL PLAN to XXXX XXXX XXXX Ive been referred on XXXX XXXX.2015, to XXXX XXXX XXXX by my Medical Insurance which sent a Referral as they requested. Without Referral the XXXX XXXX XXXX will not do the procedure unless if the patient will pay on the spot. I paid my Medical insurance monthly, till to the end of XXXX  2015, after that the Insurance went out from the Market. When I received the letter from XXXX XXXX XXXX requesting me to pay {$190.00} I called them immediately to clarify the matter. As it said on their letter : If you have any billing questions, please call XXXX XXXX at XXXX I was calling every day but XXXX XXXX XXXX, never answered, so I left message every single day but he never returned my call. He preferred to send me to CREDIT REPORT AGENCIES.NAMED :  FIRST FEDERAL CREDIT CONTRAL, XXXX, that already reported me to Credit Agencies
Product: Credit card

On XX/XX/year> a transaction appeared on my XXXX XXXX that I did not authorize. This claim is also in conjunction with another that I have filed here regarding a fraudulent transaction with XXXX XXXX. The claim number for that is XXXX. Both of these claims happened on the same day. 

Regarding the XXXX XXXX someone pretending to be a bank rep allegedly trying to help me charged XXXX on my XXXX and in my banking app it shows that the money was sent through XXXX to someone is XXXX XXXX, CA. XXXX is telling me that they will not credit my account because they feel I'm responsible and that I authorized the transaction but I was scammed. 

I am attaching some documents with this claim in hopes that I can get this money back.
Product: Credit card or prepaid card

Hello, I am XXXX XXXX. I spoke with XXXX today and this is a continuation of complaint number XXXX. I called Capital One on XX/XX/2023 in regards to the status of the account ending in XXXX and was told that the missing check in the amount of {$110.00} was found in XXXX. I asked why it and the late fees and interest fees had not been posted to my account and was told by XXXX that she would credit it to my account while I was on hold. I received the statement from XX/XX/2023 showing the payment of {$110.00} was made and the amount ( {$76.00} ) of the late and interest fees were cleared but a new amount of {$100.00} was added to the account. There shouldn't be a balance on the account because I haven't used it at all! Please HELP!!
Product: Money transfer, virtual currency, or money service

I am writing to express my serious concerns about Zelles approach to dispute resolution, particularly in light of the recent CFPB lawsuit that has brought significant issues with the platform to light. Despite being a frequent user of Zelle and reporting discrepancies in my transactions, neither my financial institution nor Zelle took sufficient steps to properly investigate my claims. I was told that recovering my lost funds was impossible and that there was no way to effectively track the transactions in question. 
The CFPBs findings reveal that Zelle has failed to protect its users, allowing repeat offenders to exploit the platform without consequence. This lack of accountability and transparency is deeply troubling and highlights the vulnerabilities consumers face when using the service. The current system leaves users exposed to scams, which is both unacceptable and a serious threat to consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationwide Recovery Service, has placed an account back on my credit report XXXX XXXX, after sending confirmation in the mail that the account has been deleted from credit report in, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> police will not allow customer access to consumer account services. Police will not allow person to incur charges with consumer account. Police unlawfully adjusted account balance with name error from XXXX consumer account green profile name perfect balance to a fraud red latin name with limited services.
Product: Credit card or prepaid card

Bank never provided copy of the check that bank stated bank sent to me in case # XXXX. 

I need to see the proof of check sent and the proof that check was actually cashed, to see front and back of the check.
Product: Credit card

On XX/XX/XXXX, I contacted Capital One Venture X customer support line because my XXXX membership was downgraded to a basic level from XXXX 's Circle. We reached out to XXXX together through a conference call, and XXXX confirmed that maintaining the Venture X card alone will NOT requalify me as a President 's Circle. This was on a recorded line with the Capital One XXXX XXXX representative. Rather, XXXX requires XXXX members to maintain status based on rentals/dollar-spend qualifications. This is in contrary to what Capital One XXXX XXXX Terms and Conditions state. In particular, Footnote 8 from this website states the following - https : XXXX? XXXX & XXXX & XXXX & XXXX : " Upon enrollment, eligible cardholders will remain at that status level through XX/XX/XXXX, at which point they will be reverted to the level commensurate with XXXX standard usage policies. '' At no point does Capital One note that additional terms/conditions may apply from XXXX to maintain the status, but that the status would remain as long as the customer maintains the card. This is clearly not the case.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2018, XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Updated : XX/XX/XXXX XXXX  XXXX Balance {$660.00} MXXXX XXXX Balance {$160.00} MXXXX XXXX Balance {$70.00} XXXX XX/XX/XXXX XXXXXXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/2019 Balance {$0.00} Status Open.
Product: Debt collection

This account was opened by someone else on XX/XX/2019 I disputed it on my report but its still there and I don't know who opened this account! the amount is XXXX the original creditor is XXXX XXXX XXXX I don't even know what company this is.. the people collecting the debt is the cbe group inc
Product: Credit reporting or other personal consumer reports

I have attempted to dispute inaccurate information that Experian is reporting on my credit report. They have claimed several times that the information was verified and reported as accurate. I reached out to the data furnisher and they have confirmed that they do not report information to credit bureaus. I have also reached out to XXXX that claimed that they did not supply the inaccurate information that can not be verified by Experian. XXXX has removed this information from their system. They purchase this information from a system called XXXX. XXXX has taken accountability and removed these items from my credit report. I have attached all of the supporting documents for proof. I have also attached a copy of my drivers license and social for identity verification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian on XX/XX/2019 and received the results dated XX/XX/2019 Report Number XXXX and accounts listed below were deleted.  The accounts were placed back and I was not ever notified in writing per FCRA which does not meet ethical business practices.All deleted from report number XXXX Dated XX/XX/2019XXXX Acct XXXX- Deleted XX/XX/19XXXX XXXX XXXX XXXX-XXXX-Deleted XX/XX/19XXXX XXXX XXXX- Deleted XX/XX/19The above referenced accounts are listed on my Experian report XX/XX/19 report XXXX for XX/XX/19 and should not be there.  I keep great records but unfortunately overlooked this wrong business practice months later.
Product: Vehicle loan or lease

XX/XX/2021 XXXX down payment at XXXX in which the contract was explained to me and the female told me the wrong price and apr lock me with a illegal amount at 28 % XXXX credit score XXXX invested with American Credit Acceptance.XXXX XXXX XXXX XXXX value on car worth is XXXX cojmpany had me at 9 % apr I switched to an cheaper vehicle and apr became 28 % swap me from XXXX XXXX XXXX to American Credit Acceptance a supervisor told me that the APR 28 % was to high dont know why i received that one my credit score was XXXX now is XXXX making it hard to get a good job and different important things I was making the payments then they repoed the my vehicle damaged it and stole personal belongings and money I did a claim and they never contacted me I tried to sell car to XXXX since I purchased it consistent problems alternator transmission even a Broken passenger seat never was able to fix or they didn't care XXXX told me they did a XXXX point inspection which is false because the problems with the vehicle there is and undisclosed accident they didn't tell me about that is why the passengers seat Broken dangerous to the safety of my self and any occupants They say I owe XXXX or more on the car it's value is XXXX which I've have payed XXXX so far I wasted a substantial amount of money gas XXXX weekly and batteries Because there negligence not fixing car before selling it to me Repo company XXXX XXXX XXXX  XXXX XXXX damaged my car and stole items that has been talked about or replaced I have video of some damaged I noticed on the lot where it was towed to guy told don't take pictures or video until I was off lot I declined and video this situation I loss my job when they first repoed my car and my belongings I need this company to stop harassing me I would like a refund of down payment and /or money invested from selling it with bad alternator and transmission and car seats and undisclosed accident its very unfair and deceptive please help me thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

On XX/XX/2022 I received a promotional solicitation email from Ally bank, where I have many accounts. It solicited me to open another savings account with " new '' money by a deadline date and promised to pay a 1 % " bonus '' in interest on XX/XX/XXXX. 

I noticed the money was not credited on XX/XX/XXXX ( I had deposited {$6900.00} in " new money '' transferred in from another bank on XX/XX/XXXX in response to their offer ). I called Ally and asked them why the money was not paid as promised. I was told that it should be in the account by end of business on the XXXX, and to check the balance on the XXXX. 

On the XXXX the money was still not deposited, and after waiting on hold for over XXXX minutes I was told that " they are backed up on payments '' and they don't know when the money will be deposited, perhaps " 7 to 10 business days ''. I told them this was unacceptable, that if I borrowed the money and did not pay interest on time I would be charged additional interest and I expected them to either pay me today or guarantee additional interest including opportunity cost interest ( since interest rates have risen very quickly in the prior 120 days ). Since I have to keep the account open to receive the " bonus '' payment, it means I can not close the account and deposit the money in another account earning the prevailing current rate. I have accounts at XXXX XXXX and they are now offering 5 % for 11 months, considerably higher than this account is paying. 

I asked for a supervisor and was told the same nonsense about being " backed up '' in the " promotions department '' - this is an interest payment, and will be reported as such on a XXXX at the end of the year. Interest is paid on a timed basis, so delaying payments is a blatant violation of the agreement they made. If I do not have the ( {$69.00} ) promised bonus on the due date of XX/XX/XXXX, and do not have the option to re-invest the {$6900.00} ( plus intervening interest paid during the 120 days ) in another ( higher-interest-paying ) account, this amounts to theft. Ally pays interest on savings accounts every month on the statement date, like clockwork, programatically. It is not acceptable that they are " backed up '' because they solicited the money and then did not programmatically pay the " bonus '' - since this promotion allowed up to {$500.00} in interest to each customer, if they are " backed up '' it means they took in a LOT of money under this promotion fraudulently, and are now attempting to not honor the agreement. With interest rates rising monthly, they are essentially increasing their own " float '' margins on the backs of customers. 

Thank you for your help in pursuing this claim, federally-underwritten banks should not be taking advantage of customers like this. In a short time I will be retired and relying on fixed income like interest to live, and this sort of breach of promise should be punished severely. Multiply this over the thousands of customers who participated, and the amount of money they are stealing here is non-trivial.