23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The primary issue here is the need for clarification with the other institution, not the {$200.00} refund. I can not proceed with the other institution without them receiving confirmation from Affirm. 

This situation arises from Affirm 's improper closure of my Money account, which has caused significant issues. As a result, XXXX is unable to return the {$1000.00} to Affirm or XXXX XXXX XXXX, and they are currently withholding my XXXX funds because of this {$1000.00}. It is Affirm 's responsibility to clarify this transaction with XXXX. 

I kindly request Affirm to take one of the following actions : Option XXXX : Request the {$1000.00} withdrawal from XXXX and deduct it from the associated XXXX bank account.

Option 2 : Contact XXXX and confirm that Affirm/XXXX  XXXX XXXX  will not request the {$1000.00} directly from XXXX, but instead will seek it directly from the customer. 

Either way, Affirm needs to clarify these transactions with XXXX promptly, as XXXX has already attempted to contact Affirm and requires a response with the necessary clarifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't check my credit report often but I went to go buy a car weeks ago and the salesman advised me I was declined for a auto loan. When he told me what was on my credit report I started investigating. Someone on the West CoasXXXX XXXX XXXX and California has been using my identity. 1. XXXX  XXXX is based out of the West Coast no offices in the south and I live in Alabama. This is fraud - identity theft 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX this place is located in XXXX XXXX Nevada - fraud - identity theft 3. XXXX XXXX - identity theft fraud someone ordered merchandise and had it sent to a Nevada address this is fraud - identity theft Also there are Nevada address on my credit report that shouldn't be there I never lived in Nevada. Also XXXX area code phone numbers not my numbers please remove these addresses and phone numbers. 
4. XXXX XXXX XXXX XXXX- this account appears to be opened on line and not my debt! Fraud. 
Inquiries XXXXXXXX XXXX - not authorized fraud inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I uploaded a police report and expect these items to be removed immediately from my credit file
Product: Checking or savings account

On XX/XX/year>2024, I received an email from XXXX at Goldman Sachs that I needed to take action on my account by calling their toll-free number. On XX/XX/scrub> 2024, I called the number and was informed that my account was frozen because they were unable to verify my identity. The reason for this was because I changed cell phone providers and therefore they are not able to send a secure code to my phone number. However, when I log into my online account on Marcus.com, I am successfully able to receive a secure code on my phone. Despite providing the XXXX team with various details, like my date of birth, last 4 digits of my SSN, recent transaction date and amount, account numbers of externally linked accounts, they are still refusing to verify my identity because they allegedly can not send a secure code to my cell phone. Now my account is frozen and I can not access my funds. There is over {$180000.00} in my savings account and XXXX claims that the only way to unfreeze my account is to send them a signed and notarized Affidavit of Identity. This process could take 20 working days according to them. Until then, I have no access to my funds.
Product: Credit card or prepaid card

Tips left at multiple restaurants are not showing up on my Apple Card ( XXXX ). 

I've used the card at 6 or more different restaurants in different cities and provided a tip in each case. The tip does not show up on my bill. The restaurant/waiter is being defrauded likely due to a processing error in the system they use. Other credit cards work fine. 

I've spent hours communicating with Goldman Sachs about this problem with no success. Despite a double escalation, they blame it on the restaurants. Clearly, since it's multiple restaurants this is not the case. They have refused to accept this problem or investigate it. They're innocent, I'm innocent, but the waiter or restaurant is being screwed. 

I'm guessing the problem is with the XXXX processing system, but I really have no idea, it's only a guess.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX. XXXX Balance : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX has admitted that they do not have any loan information with my name, yet they refuse to delete it off my credit report. XXXX, Equifax and XXXX claims that the account is verified, accurate and validated, yet XXXX XXXX  XXXX can not find ANY LOAN INFORMATION in their system, So how is is verified, accurate and or validated by Equifax, XXXX and XXXX? Besides that, XXXX XXXX  XXXX had since XX/XX/2022, since they were notified by CFPB and XXXX and they could not find anything. 
I am unsure as to how my likeness was received by XXXX XXXX XXXX, but being a victim of the Equifax and XXXX data breach I can only believe this error was due to their errors as to the why this account appears differently on all credit agencies profile. I am a victim of aggravated identity theft and these companies have access to my credit and caused actual financial injury and severely harmed my existing relationships with financial relationships, as well as hindered my opportunity with news ones ; as I've been denied by many. These CRAs have willfully neglected their responsibilities to consumers by violating the FCRA. 15 usc 1681 b as well as 15 usc 1681 c-2 and each of its CEO 's are culpable, as well.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( private ), and XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX  on XX/XX/XXXX under the account number ( private ), and a mobile phone account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries from XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, The XXXX  XXXX XXXX  on XX/XX/XXXX and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Transunion, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  WRONG SSN SHOWN ON MY REPORT - REMOVE IMMEDIATELY XXXX XXXX XXXX - INCORRECT ACCOUNT DETAILS-REMOVE IMMEDIATELY
Product: Checking or savings account

On XX/XX/XXXX, a " company '' named XXXX XXXX XXXX XXXX charged may card 3 transactions that were cleared by Robinhood. One for {$160.00}, another for {$85.00} and the last one for {$41.00}. The company continued to try to charge my card over and over again to see if they could get as much as they could from my account. The last 3 transactions they tried, which were declined due to me locking the card, under the name XXXX XXXX XXXX XXXX. These transactions were made in XXXX and I am in XXXX, Ga. I called into Robinhod the moment I realized, locked my car, transferred what left they had not took and disputed the transaction once it was cleared. Two days later Robinhood tries to say they can't find evidence this was not authorized, when it is obvious seeing in the screenshots I will provide they continued to charge my account different amounts to see what was available to take from me. I've called Robinhood twice with no help and told they will email the dispute team, with no response. I've emailed them twice, with no response. But they continue to send me emails saying they have not heard from me and have now closed my case.
Product: Money transfer, virtual currency, or money service

I am writing to raise serious concerns about Zelles dispute resolution process, especially in light of the recent CFPB lawsuit that highlights significant shortcomings in consumer protection. Despite using Zelle regularly and reporting issues, my claims were dismissed without proper investigation, with both Zelle and my financial institution stating that recovering funds or tracking transactions was not feasible. The CFPBs findings reveal a troubling pattern of inaction, allowing repeat offenders to exploit the platform and leaving users exposed to scams. This lack of accountability and safeguards undermines trust and raises urgent questions about Zelles commitment to protecting its users.
Product: Vehicle loan or lease

XX/XX/2021 Ongoing Complaint Number # XXXX Resubmitted on : XX/XX/2021 Company refused repeat to change Due date? The last request was mailed on : XX/XX/2021 which Wells Fargo stated past due 10 days? 
XXXX Payment 2021 due on : XX/XX/2021 which was paid on : XX/XX/2021 Confirmation Number # XXXX {$420.00} XXXX Payment 2021 - Due date : XX/XX/2021 which was paid on : XX/XX/2021 - Confirmation Number # XXXX {$420.00}. 

there is ongoing Grace Period of XXXX of the month, so No Payment is 10 days Past due as reported by : Wells Fargo?
Product: Checking or savings account

Two weeks ago, my card was lost and I incurred a lot of charges that werent mine and I didnt know until I got an insufficient balance email from the bank, tried to fix it and nothing got resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been taken advantage of due to malpractice while several laws are being broken under the FCRA by your company. 
This has caused me financial injury and this is call defamation of character. This inacurate reporting has stop me from employment opportunities. 
Do to this law braking reporting I have been denied sba loans as well as new credit.
Product: Credit reporting or other personal consumer reports

I was alerted via email that a response from Transunion through the CFPB sent on XX/XX/2024. The was regarding XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX on my credit report. Transunion admitted that the XXXX XXXX XXXX XXXX ACCOUNT WAS UN- VERIFIED. Via the CFPB account : XXXX. Please delete this account from my Transunion credit report.
Product: Money transfers

I 'm the victim of a scam. You probably ca n't do anything about that, but the used a MoneyGram Payment Service so I believe I should make my complaint here. The scammers found a piece of property I own and made an offer for it on XXXX which we agreed to. I ( stupidly ) sent XXXX as processing fee and, of course, I was never contacted again. The numbers used are XXXX ( XXXX XXXX ) and XXXX ( a bank employee ). These are probably burner phones, but I encourage you to try to find the scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iberia Bank has reported on my Consumer report that I have {$410.00} as a charge off which is incorrect. I worked with the main office of Iberia Bank getting all of the fees correct that my local bank messed up on. I was trying to close my savings and my checking account. The employee left my checking account open due to a XXXX  charge that was still pending on my account and stated that once that cleared they would freeze the account and I would have to come in a sign. By the time I came in there was over 400.00 of NSF fees that the bank was allowing some autopay transactions go thru knowing I was closing the account and was told that I didn't have to worry. I would have time to change all my information and notify my creditors I was closing that account and give them new account information. Once working with the main office of Iberia Bank, they removed most of the fees and I did a phone payment for {$260.00} as the final payment on XX/XX/2018. There was no charge off or any issue with the debt. This is inaccurate information. I did go in and out of this bank and speak with 3 employees, including the manager over the woman who completely lied to cover herself. She made the error, admitted it to me and then when I got XXXX XXXX  involved at the XXXX XXXX branch in XXXX XXXX, she completely lied.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft SYNCB/JCP Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX, XXXX. 
Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Complaint to the CFPB Against TransUnion Subject : Violation of 15 U.S. Code 1681s2 Dispute of Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint against TransUnion for reporting inaccurate and misleading information on my credit file and failing to properly investigate and correct disputed information in violation of 15 U.S. Code 1681s2 ( E ).

Details of the Disputed Account : Creditor : [ Bank Name if known ] Account Number : XXXX ( As reported by TransUnion ) Date Opened : XX/XX/XXXXXXXX  Date Closed : XX/XX/XXXXXXXX  Balance Owed : {$8300.00} Credit Limit : {$7500.00} Payment Status : Collection/Charge-off Last Payment Date : XX/XX/XXXXXXXX  Dispute Status : Not disputed ( I am disputing now ) Violations of 15 U.S. Code 1681s2 ( E ) Responsibilities of Furnishers Under the Fair Credit Reporting Act ( FCRA ), the furnisher of information is required to : Conduct an Investigation I have not received any indication that the creditor conducted a reasonable investigation regarding the accuracy of this account. 
Review Relevant Information I have provided sufficient information disputing the accuracy of the reported balance, dates, and charge-off status, yet TransUnion has not corrected the errors. 
Complete the Investigation in a Timely Manner As of today, I have not received any verification or correction of the inaccurate reporting.

Correct Inaccurate Information The information remains incorrect, violating the legal requirement to promptly update or remove inaccurate data. 
Errors in Reporting : Incorrect Balance Reporting The account reports a balance of {$8300.00}, which exceeds the original credit limit of {$7500.00} and does not align with proper charge-off reporting.

Future Dated Information The " Last Verified '' and " Last Activity '' dates are listed as XX/XX/XXXX, which is a future date and not possible under accurate reporting standards. 
Failure to Provide Full Payment History The credit report does not include a two-year payment history, preventing me from verifying past payments or disputing late payment claims. 
Requested Resolution : TransUnion must conduct a thorough investigation as required under 15 U.S. Code 1681s2 ( E ) and correct all inaccuracies.

If the creditor can not verify the information as 100 % accurate, the account must be deleted from my credit file. 
TransUnion must provide me with the results of their investigation, including documentation proving the accuracy of the reported information. 
I am requesting the CFPB 's intervention to ensure that TransUnion complies with the FCRA and corrects or removes the inaccurate information from my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX offered a special of receiving {$25.00} dollars if open a credit card account. Since I order quite frequently from XXXX I felt comfortable with doing this ... .I ordered my items, utilizing the {$25.00} toward purchase at the time ( This was in XX/XX/2018 ). The balance was then place on the card. I never received a bill for this until there was a late fee showing. I immediately made a call to Customer Service XXXX XXXX at XXXXXXXX ( as well as going to the website ) - website did not provide any access, after several diligent phone calls, I finally was able to speak with a representative ( he was not helpful, requested my social security number and I was not comfortable with providing this to him over the phone-by now feeling " scammed '' ). I requested a bill to be sent to my address, sometime on late date (? ) I received bill and made payment for the merchandise I purchased and did not pay the late fees ( which were accumulating due to XXXXXXXX XXXX lack of efficiency. I continue to receive bills with increasing late fees ( I have requested in writing to be provided a statement with anything owed ( a break down on what the charges are ). I checked some reviews and it seems other people have also been scammed. I have excellent credit, I have thought of just paying it ... yet it doesn't seem " just '' that this company continues to scam people, very frustrated that XXXX would even be associated with this type of business. I would appreciate any support or advisement from CFPB. 
Sincerely, XXXX XXXX XXXX ( XXXX )
Product: Checking or savings account

I in person have active frozen checking accounts numbers globally locations international in XXXX XXXX XXXX XXXX. 

XXXX. I was mug, and all checking accounts numbers globally locations international was stolen in the united states. 

XXXX. Frozen accounts, if open remain active globally locations international.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXX  Account # XXXX 15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It Also States A consumer Reporting Agency Can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all 3 credit bureaus on XX/XX/2023 regarding information that is inaccurately being reported on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 60 days and I have not seen any changes. My information is still inaccurately being reported.
Product: Credit reporting or other personal consumer reports

I DON'T UNDERSTAND WHY THESE ACCOUNTS ARE IN MY REPORT, VERIFY THAT XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX DELATE THIES INQUIRIES XXXX  XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought a vehicle from XXXXXXXX XXXX XXXX and had a warranty purchased on it. Now, XXXXXXXX XXXX XXXX has closed and I am having to pay for the repairs since the vehicle they sold me is not in the best of shape. The cars coil packs have gone bad 2 times in the last 2 months and the repairs are around XXXX dollars each time on top of the amount I already pay for the loan and the insurance for the car. The car loan is transferred due to XXXX XXXX XXXX  closing down and I have no one to honor this warranty since the company the loan was sold to has said they will not be doing so.
Product: Debt collection

On XX/XX/XXXX i received a letter from EOS-CCA debt collection agency stating i owed XXXX to XXXX XXXX XXXX. My subscription ran out and i did not renew it. 
Now, this debt collection agency is saying because i did not call and cancel my subscription, i have to pay this amount or they will turn it over to the credit bureau. 
I called XXXX XXXX XXXX and they said they did not turn this in for collection and that i do not owe anything. My XXXX XXXX was cut off at the end of my subscription and so i do not owe anything. Some how, seems that XXXX XXXX had to give them my information Strange thing is, the address or phone number is not the same on the internet and the letter. 
I did not get any where with the EOS-CCA collections agency. 
Please help