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

I was trying to sell my XXXX XXXX on XXXX! This person came to me to buy it, so she sent to me {$430.00} through venmo, but this money never dropped in my account. Then i received an email saying that i had to send more {$570.00} to upgrade my venmo account to a business account and then i could receive my money. I did it but when i found out it was a scam i already had sent the money and the watch!
Product: Credit reporting or other personal consumer reports

I have been trying for some time to get Equifax to correct my name shown incorrect on their report by way of filing several disputes. I uploaded the requested information DL, Social security card through their disputes center and continue to get the answer that my name on the report has been verified as correct?? The other two major credit bureaus have everything correct.. As far as I can tell, they haven't updated my credit file in more than a year. I can not apply for credit, can not Access my Equifax report
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no XXXX  seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance XXXX {$8800.00} OPORTUNPROG XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

A scheduled auto payment email came out today XXXX  at about XXXX XXXX Arizona Time about my payment being drafted and scheduled.

1 ) in the last anytime a payment is made with Apple Card/Goldman Sachs prior to auto pay drafting the auto pay is disabled when minimum due is met. Every other month this happened and this month it didnt 2 ) their customer service tells me to contact my bank to stop payment. This will result in a returned payment and negative history with the bank. I was told this exact statement before and now when I request credit line increases I am rejected. ( Rejected for a practice they told me to follow ) The payment will most likely return by the time the case escalates however it is unfair that their processes are misleading and not followed the same each time. They also should not be advising customers to contact bank to return a payment when the return negatively impacts their ability to obtain credit with said bank
Product: Debt collection

I received a notice for wage garnishment from XXXX XXXX XXXX XXXX related to an old judgement from the Superior Court of New Jersey XXXX County. This is an old judgement with a different lawyer in XXXX payments were made through the site. I kept a record after each payment I was given a confirm payment number which I wrote down on the back of the agreement form. I completed the payment and was scheduled to receive a letter of completion in XXXX. They call to verify address to mail the letter, which I didnt received. On Saturday XX/XX/XXXX I received this wage garnishment intent. I call Fein, Kahn & Sheppard on XX/XX/XXXX and fax all the information I had of all the payments made dates and confirmation numbers. They said this was not good enough. This debt was paid off XX/XX/XXXX, I have reached out to the previous law firm XXXX XXXX XXXX XXXX XXXX. I also check my credit report, this debt is not on the report. 
The amount paid to XXXX, XXXX XXXX XXXX XXXX of {$3000.00} ( XXXX plus interest XXXX ) The new amount from Fein, Kahn & Sheppard {$3300.00}. 
Im just disgusted with these attorney behavior, this debt is paid up 6yrs now.
Product: Credit card

Barclay cards. XXXX 2016 I consolidated XXXX credit card payments with the help of XXXX, with all parties agreeable to the terms. Payments have been automatically generated every month. Barclay starts charging late fees ( they changed the amount due ) There was never a late payment. I called and thought we had it settled a couple of weeks ago even with the communication barrier only to find that there was no changes made to my account to bring it current. I have never been late on my credits cards ever. Called again last week ( XXXX ) and was assured it would be fixed. It is not fixed and they have inactivated my access to my account online and am currently being charged late fees as well as staying in arrears for 2 consecutive months now. Have spent numerous hours on phone in attempts to rectify this with challenging language barriers. Customer support is not worth the time invested in the phone call. Emails go unacknowledged. Access to account cut off. Please help. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous efforts to remove incorrect information on my report without success beginning in XX/XX/XXXX beginning with XXXX XXXX  XXXX who reported incorrect dates and amounts. This complaint was made directly to the mortgage company. XXXX, XXXX  XXXX who I filed a complaint against directly to the credit bureaus and still they are reporting a lateness that never occurred. Third, the previous balance owed to XXXX XXXX XXXX is also in error. On this account, I obtained the services of XXXX XXXX in XX/XX/XXXX and have not been successful as of yet. XXXX of the more serious complaints I made with the credit bureaus is the SC XXXX XXXX XXXX XXXX who persistently reported incorrect information regarding lateness and dates. Last, my account with XXXX XXXX and XXXX has also been reported in error. 

In accordance with the Fair Credit Reporting Act, these companies and credit bureaus have violated my rights.

15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. 
Please update my address XXXX XXXX XXXX, XXXX MI XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1997 My only employer is XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

there were XXXX transfers, neither has been delivered yet. The first one # XXXX was taken from my bank account by them on XXXX for XXXX it was promised to be there by XXXX. It originally was promised before then but they changed the receipt to XXXX the second one # XXXX was taken from my bank account on XXXX for XXXX it was promised to be there on XXXX. For the past four days they have been asking me lots of personal questions through emails. I have answered all of them, then the next day they will send the another similar email again, i have explained time and time again through emails and phone calls the exact same information and each time they have made promises to me they have not fullfilled. They all read the same script! They keep blaming the receiving bank. I feel it is just a scheme to use the larger amounts of money to draw interest or gain from the exchange rate.
Product: Credit reporting or other personal consumer reports

You are reporting collections as an " open account '' which is not under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately. Please send me a copy of my credit report when the above collection is deleted and has been removed
Product: Checking or savings account

I deposited {$1000.00} into a saving account to fund a secured credit card in XX/XX/XXXX. On XX/XX/XXXX, I verbally requested to close my credit card and have my deposit returned. I was told by the representative that the funds would take up to XXXX business days to be returned. Following up on XX/XX/XXXX, the representative told me that my situation needed to be escalated with a request to release my funds. That process took 5-7 days. Following up today XX/XX/XXXX, the representative explained that the last rep did not submit the request so I have to wait another XXXX days for my funds to be available to me. This whole situation is a huge inconvenience. Im currently out of work and need access to my money to purchased basic essentials. Theres been no transparency on whats happening. Im powerless against an institution that seems to do what they want.
Product: Debt collection

I was contacted by a Law Firm ( XXXX XXXX ) in regards to a debt owed to Capital One Bank. 
I immediately notified them that this was not my debt and that I would like verification. ( Proof of fax receipt enclosed ). They then sent me a copy of a Capitol One Statement with a name XXXX which I am not and have never used. Included was a typed letter with a notary stamp ( not raised ) that named not XXXX. But me with my address. I can only assume this is a deceptive practice used by this firm. 
I sent them another response stating that this was not my debt. They filed court action and I would not sign for the registered letter because it was addressed to XXXX. Shortly thereafter I received registered mail with the XXXX removed ; I can only believe this to again try to deceive me into paying a bill not owed. 
I have contacted Capitol One Bank at XXXX and after they asked my birth date and last XXXX I was told that it is not my debt. I asked for proof and they said they would not share that because it was not me they were collecting from. I told them about the suit being brought and the response was just tell them it is n't you. ( Conversation all on tape ) If I could find out that easily, I would expect a law firm to do the same. 
I was told by the superior court ( Docket No. ) that I have to pay court costs to respond to this phony lawsuit. 
I just received another letter in today 's mail ( XXXX ) telling me to pay the bill because I am being sued.
Product: Credit card or prepaid card

Please be advised that I have attempted to resolve this matter with Synchrony Bank, but the Synchrony has been non-responsive and completely ignored any attempts at providing good customer service. I am upset that Synchrony Bank took extreme measures to ruin my credit, including not contacting me regarding the one late payment that I had on my account. 
Currently, my credit report is reflecting one 30-day delinquency for XX/XX/XXXX and one 60-day delinquency for XXXX of XXXX on this account. I am not disputing the late payment in itself, but I am very upset that Synchrony would not take the time to understand my circumstances and assist me with this matter. 
I opened a XXXX  XXXX  XXXX XXXX card in XX/XX/XXXX. I consistently made my minimum payments each month. In XX/XX/XXXX, Synchrony urged me to enroll in paperless billing and I did. I have consistently had both a monthly {$5.00} recurring charge and corresponding {$5.00} auto-draft payment take place on the account with minimal usage otherwise. On XX/XX/XXXX, I made a {$33.00} purchase that I forgot I charged to my XXXX  XXXX account and did not increase my automatic payment to cover this purchase. Synchrony assessed multiple late payments which caused this {$33.00} purchase to grow into a {$140.00} balance. In XX/XX/XXXX, I checked my credit report and only then realized that this account was delinquent. 

Synchrony Bank has all my contact information on file ( address, phone, email ) but never contacted me regarding this past due balance. According to the Synchrony representative that I spoke to, because I was continuing to make a {$5.00} auto payment each month and was therefore making monthly payments, Synchrony had no obligation to send me a notice. 
I immediately called Synchrony customer service line and explained the situation to a supervisor named XXXX in the XXXX, OH call center. She took all my information and promised that I would receive a response within 30 business days. That call took place on XX/XX/XXXX. To this day I have not received any contact or correspondence from Synchrony replying to my inquiry. 
This has ruined my credit and caused me immense mental and physical stress. As a loyal Synchrony customer who paid her bill on time each month, I do not believe that Synchrony should continue to cause me such mental stress and ruin my credit. Lenders such as Synchrony should not be allowed to prey on unsuspecting customers, ruin their credit and then refuse to provide them with good customer service. I request that any outstanding balance be waived and this tradeline either be removed from my credit report or be updated to show as never past due.
Product: Credit card

I have an American Express Platinum account. My ex-wife was also an additional member of the account. We have been separated since XXXX, starting in XXXX I have asked them to cancel her account. It was always an uphill battle, chat was not helpful, I would have to call and wait on the line for hours. Anyways, in XXXX if I remember correctly, the card was cancelled, I was told that on the phone, and the charge for the card was taken back. 
Now, I see that I am charged again in XXXX {$190.00} for that card, and I was charged {$170.00} back in XXXX for that card. This card was told to me that it was cancelled, but on their end they just froze it but still showed it as active, so they charged me for a service that neither I nor my ex-wife could use. So, today I called them again, and I was told again that now they cancelled the card and they will send me the {$190.00} for the XXXX charge, but they refused to pay me the {$170.00} amount. Moreover, they assured me that I was going to get an email for the cancellation, but I never got it. Guess why? Because they send the email only to the email of the additional card holder, not to the person that is actually paying for the card. And when you call them and tell them that you were told that the card was cancelled, they ask you to tell them when they sent you the cancellation email, an email that you never received, nor could you ever receive. I worked in finance for over 20 years, if this is not a scam, I am not sure what is. To this moment, I have been told numerous times that the card has been cancelled, but I have no proof of its cancellation and no guarantee that I will not be charged for this card again next year or the year after. 
I am attaching screenshots from their system the charges for XXXX to XXXX. You can see that in XXXX there was no charge for this card, butin XXXX and XXXX they tried to sneak it in again.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX XXXX XXXX as they have been sued for fraudulently reporting consumers information. They have reported that I owe a debt for income they have received on an auto loan and also I am aware that the incorrect reporting breach from XXXX and equifax has negatively affected my reports. 
I have asked for the 1099 C showing they have received the income for this " debt '' and have not been provided the correct information. 
According to FTC income should not be reported on my credit report. I am writing you to see to it that the proper measures be taken in order to remove this inaccurate information from my report. 
I am filing this complaint against XXXX XXXX XXXX XXXX for improperly reporting income from a charge-off on my credit report, which may violate federal law, including the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, and Internal Revenue Code ( IRC ) provisions regarding debt cancellation. 

III. Nature of the Issue XXXX XXXX XXXX XXXX has reported a charge-off on my credit report. However, they have also improperly reported this charge-off as income, which inaccurately inflates my taxable earnings and negatively impacts my creditworthiness. 
Under XXXX U.S.C. XXXX ( a ), furnishers of credit information have a duty to report accurate information to consumer reporting agencies. By mischaracterizing a charge-off as income, the creditor has provided false and misleading data. 
A charge-off is an accounting designation for a delinquent debt but does not constitute taxable income unless the debt is legally forgiven and a Form 1099-C is issued under XXXX U.S.C. XXXX. I have not received a valid cancellation of debt notification, meaning this reporting is both incorrect and damaging. 
This misreporting has caused harm, including potential IRS implications and an unjust impact on my credit score. 
Additionally, the Consumer Financial Protection Bureau ( CFPB ) has previously taken enforcement action against XXXX  XXXX for similar practices, holding that such misreporting is a violation of consumer protection laws. This case sets a precedent that creditors can not unlawfully report charge-offs as income to mislead credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I discovered numerous inaccuracies regarding late payments that don't correspond with my regular payment pattern.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. These unauthorized inquiries must be removed immediately. XXXX XX/XX/year>, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Lies lies lies as experian closed another complaint without addressing the issue but give ridiculous explanations STOP HAVING YOUR NON ENGLISH SPEAKING CUSTOMER SERVICE REP XXXX WHO HAS NO AUTHORITY TO DO ANYTHING CALLING AND HARASSING ME AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting or other personal consumer reports

The debt is a charge off which means the company XXXX wrote this debt as a tax write off. Company did not give me a 1099 form nor did the take it off of my credit reports if this debt is written off why are they coming after me for the debt. Double dipping.
Product: Credit reporting or other personal consumer reports

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had update. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. 
XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX Balance Owed : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My contact information is provided below and I have included proof ofI My identity. 

I contacted Equifax initially into the same probpem and they still are being fair and partial violating my rights. A proper reinvestigation was not done on my behalf and the items are neagtively affecting my credit health and i am unable to extend credit due to them not following federal laws. 
Instead of deleting the negative items that aren't mine, Equifax keeps sending me the same letters in the mail. I have several letters of the same thing.
Product: Credit reporting or other personal consumer reports

iam a victim of identity theft and my identity is out there with someone being used from someone in everything i travel a lot and iam old school i don't even know how to check my credit my wife was checking my credit report and she showed me accounts i don't recognize and been used for a while and this is dangerous i just found aclled my lawyer and he told me that the bureaus and the creditors were supposed to notify me 5 days prior any reporting and i was not notified and this is illegal and against the law as of 15 U.S.CODE 1692g Validation of debts they violated my consumer rights and privacy and harmed me i will take legal actions against the bureaus and the creditors cause no one is giving me signatures or contracts or any proof or evidence so i can protect my self and 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. 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, other than records of convictions of crimes which have dates the reports 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 in inaccurate Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
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 this address is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS EMPLOYER IS NOT MINE