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

I am a victim of scam with XX/XX/XXXXand XX/XX/XXXX( I learned later after being scammed that these are two different platforms and the XX/XX/XXXXdoesn't seem to be legit ) Within a week of learning I had been scammed, I reached out to Chase Bank XXXX XXXX XXXX, California location and spoke to the bank manager. I explained my situation and requested 3 large wires to be reversed on XX/XX/22. 
First wire was done on : XXXX/XXXX/22 {$30000.00} Second wire was done on : XXXX/XXXX/22 {$50000.00} Third wire was done on : XXXX/XXXX/22 {$74000.00} The bank manager reached out to the wire department to reach out the recipient bank. 
I have been following up every week with no success. 
Additionally, I have filled a police report and also the IC3. 
Can someone please help me. I need to recover my funds immediately. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the collection agency a complaint letter  XXXX    XXXX ,2017  is the day the credit reporting agency received the letter to investigate a collection account on my credit report named  XXXX   XXXX   XXXX   XXXX  that is wrongfully being reported. It has been more than 30 days and I still have n't received a copy of the results. The file I submitted is a tracking for the letters sent.
Product: Credit card

I requested for a card from Amex and before I received the card, I called them to ask for it to be closed because I did not understand some terms. On closing the card they was no disclosure that even know I had no history using the card that closing the card would cause my credit score to decrease. 

I therefore asked for the card closure to be removed because of the Amex error in not disclosing and they have yet to remove the card closure from my report. 

Investigation into why my credit card account was closed with out AMEX disclosing that that will cause my credit score to decrease. I asked for AMEX to take this out of my credit report for the error on their part and they havent done that.
Product: Debt collection

Set up payment date online in there portal bet they still call 4 times a day. Every day. In Virginia there is law prohibited calling more them 7 times in a week
Product: Debt collection

Pulled Credit report on XX/XX/2019 Found item on credit report and disputed by sending letter to company. 
Received letter on XX/XX/2019 with no verification of account belonging to me. 
Sent a second letter for verification that account was in fact mine. 
Received letter on XX/XX/2019 saying account was not found. 

Pulled report again on XX/XX/2019 and account is still on report and not disputed. 

Chase Card Services has not provided proof that this account belongs to me, then after asking for proof they send a letter stating that there is no account found. 

I demand this be removed from the credit bureaus as it has a negative impact on all reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX a financial institution has violated the following U.S codes U.S.C 15 U.S. Code 6801 - 6809 and did not adhere to the FDCPA ( Fair Debt Collection Practices Act ) guidelines. 
by providing my personal and private information to a third party debt collector Bleecker Brodey & Andrews who has filed suit against me in the county I reside without providing me a validation of debt per my request, intentionally providing false, deceptive documents to the XXXX County courts in order to legally obtain a judgment against me for a debt that has not been established as my own and differing amounts requested to resolve the debt. I have received a document requesting an amount with the addition of {$190.00} USD in filing fees which does not coincide with the balance stated to be owed after speaking with the agency which contacted me, I have been unable to receive any documentation/ paperwork from the third-party debt collector XXXX XXXX is using, the accounts listed in the court summons I have received are not that of my own. As of XX/XX/2021 I have still not received any literature from my validation of debt request and have since disputed the alleged balance owed.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed that several hard inquiries do not indicate a permissible purpose next to these items. According to the Fair Credit Reporting Act, any information provided on my consumer report must have a permissible purpose as outlined in 15 USC 1681b. PLEASE DELETE THESE! See below and credit report attachment. 

Inquiries XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have been sending letters to the credit bureaus to rectify and / or eliminate some accounts, I have sent letters since XXXX and I have not received any response from the credit bureaus XXXX, XXXX, Equifax. I demand that they give me an answer corresponding to all the letters previously sent. 

I have sent letters consecutively from XX/XX/2020 to XX/XX/2020. 

Below I attach the letters sent to the bureaus
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : XXXX, Account name : XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Checking or savings account

USAA informed me via postal mail that effective XX/XX/2021 all accounts within their bank would be in a credit-only status with no withdrawals or ACH Debits allowed despite multiple utility bills requiring to be paid, most if not all are past due, which I've become responsible for the financial hardship and unnecessarily restricting me from my XXXX XXXX XXXX XXXX XXXX Retired Veteran from XX/XX/2021 until this day, because I still have not been able to deposit, cash or successfully have access to my entitled funds due to now XXXX XXXX XXXX XXXX XXXX verify funds for the lines of accounting utilized whenever USAA mailed me out XXXX corporate checks - XXXX of them larger than normal at about {$12000.00} and the other approximately {$3700.00}. Their rationale was they required to ensure any deposits did not come back returned, which had never occurred on any account throughout my decade tenure with USAA. This type of cruel and unusual punishment exhibited has not only affected my surrounding support network, moral relatives, but it has achieved the capability to affect my XXXX XXXX XXXX XXXX XXXX due to an XXXX XXXXr I suffer from. Some type of major oversight or scrutinized policies for retraining and teaching the most appropriate methods to avert such havoc like which I'm still currently enduring, along with my in-town relatives - both medically and financially. This can not be another fluke in the system that another servicemember or veteran. or retiree or dependent should have to endure due to mere oversight and not actually addressing the most precedent or effective method in maintaining the continuity of business flow.
Product: Debt collection

I have been received phone calls from XXXX today I called the number back was advised that this is regarding a debt from 2011 from a payday loan. since this is a debt collection company I was NOT advised of my mini Miranda right since this was the initial contact that I had with company, according to the FDCPA it has violated the Fair Debt Collection Practices Act, the law that governs what debt collectors can and ca n't do.. I advised the representative that I never had such debt and if I did it was included in my bankruptcy. She began to get rude and would not let me speak and then disconnected the call when I attempted to ask her to validate the debt and send the information to the address they had on file. she hung up. I called back and she stated that they call dropped and then I once again requested they validate the debt. she gave an address that I have not lived at in over 10 years. this company is a scam and they are attempting to extort money that is not owed and threatening to take legal action with no validity to the debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

On XX/XX/2023 Midland Funding LLC gave me notice of a bank account freeze through XXXX XXXX XXXX XXXX  for my bank account. I have no idea what the debt is about. They just withdrew money from the account in the last week. I tried calling their attorneys, XXXXXXXX XXXX XXXX XXXXXXXX at XXXX but was met with 4+ hour long wait times ( XXXX people ahead of me, I waited for XXXX minutes, still nothing ). They did not respond to my email messages : XXXX. I accuse them of violating the Fair Debt Collection Practices Act due to complete failure of them to communicate with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} ; XXXX XXXX XXXX XXXX : {$590.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$6500.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX XX/XX/XXXX.
Product: Debt collection

I had XXXX XXXX XXXX contacted me multiple times to collect debt on an account that was result of identity theft. They called my mother and myself harassing us. The case is being reviewed by the original company again and I asked them for the call logs regarding the times they contacted me. They have not responded and seem to not want to give me that information.
Product: Credit card or prepaid card

I am XXXX and feel discriminated with my macys account I am trying to place online orders and their system keeps cancelling them when I call them they refuse to help I also wanted to upgrade to the American Express version and they told me to reapply which I have but then they cant send a code to my phone to verify me and put it on hold this isnt fair
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Report Act. XXXX XXXX XXXX XXXX  Acct : # XXXX is violating my right as a consumer. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), it is mandatory by federal law to verify through physical verification of the original documents, contracts, arrangement, obligation, pledge or promises written or, sign by the consumer all accounts you post on a credit report. Otherwise, any and everyone paying for your reporting services, business or work that could fax, mail or e-mail in a fraudulent or deceitful account or report. This debt must be validated. Per FTC, CFPB, FCRA, and the Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , i received a credit alert saying I have a 30 day lateness with  XXXX . I immediately called them to let them know there must be some type of error because i set up auto pay with them. I was told today that there was a glitch in their system and that my auto pay was never processed. Now, I do n't have any other lateness 's on my credit report. I take pride in having Excellent credit and this error is causing me not to get approved for my mortgage loan. Can you please correct this lateness as it was a glitch on their part and not mines. I 'm looking forward to move my fam ily into our 1st Brand new home. Thank you in advance!
Product: Debt collection

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have XXXX days to do so if not or over the XXXX days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over XXXX days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Product: Credit card or prepaid card

BBVA still has NOT updated my account to a XXXX balance and currently open credit card. It is causing my credit score to be lower with this balance that still does not reflext the correct current balance of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA ACCOUNT NUMBER ENDING IN XXXX XXXX DATE OPENED ON XX/2014, IS REPORTING ONE LATE 30 DAY ON MY CREDIT REPORT THIS IS AN ABSOLUTE INACCURATE INFORMATION, PLEASE HAVE ALL THREE MAJOR CREDIT REPORTING AGENCIES TO REMOVE THIS LATE. 
I HAVE THE LETTER ATTACHED ( APPROVAL LETTER ) FROM BANK OF AMERICA, TO SOLVE THE PROBLEM BUT THE REPORTING AGENCIES SUCH AS XXXX AND XXXX ARE NOT COOPERATING PLEASE SOLVE MY PROBLEM THANK YOU
Product: Credit card or prepaid card

XX/XX/XXXX I applied for an extension of credit with the company Aspire and was denied.
Product: Credit card

In XXXX XXXX XXXX, I posted a review on the TD Bank app in the XXXX XXXX XXXX stating that in both the app and the website, it would not allow me to pay off my current balance ( to pay off the card ), and would give me an error message : " We apologize for the inconvenience. Thanks for your patience. Please try again in a little while '' They responded saying : " Hi, thank you for taking the time to share your feedback! We deeply respect your advice, and will forward your feedback to our Product team in order to provide you the experience you come to expect. Thanks! - XXXX  '' However, they never resolved the issue, which has been happening all this year ( 2024 ). Today, I am trying to pay off my card, but it won't allow me to submit a payment at all. I tried both the app and the website, so I know the issue is not on my end. It seems they are not resolving this issue even though they have been aware of it for months.
Product: Credit reporting or other personal consumer reports

I recently 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 unauthorized 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Back to XX/XX/XXXX ( Report Number XXXX ), The first time I disputed the item result was The item you disputed has been updated, which may include an update to the disputed information. However I haven't seen any details with changes. ( See Report attached ) Back to XX/XX/XXXX ( Report Number : XXXX ), I request a re investigation and once again your result was The item you disputed has been updated, which may include an update to the disputed information and the report is the same the result of XX/XX/XXXX and there is any change in the report. ( See Report attached ) On XX/XX/XXXX ( Report Number : XXXX ) I request another investigation and now they said " the account is verified. Pursuant to section 611 ( a ) ( 3 ) ( A ) of the fair Credit Reporting act, they will not re investigate the same account again '' However on my first two disputed they never verified the account until now. but how an account can be verified if has been re-aged??
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XX/XX/XXXX credit name : XX/XX/XXXXXXXX XX/XX/XXXX Account name : XX/XX/XXXX Account name : XX/XX/XXXX XX/XX/XXXX Account name XX/XX/XXXXXXXX, Account name : XXXX XXXX, XXXX & XXXX XXXX XXXX, XXXX, Account name : XX/XX/XXXX, account name : XX/XX/XXXXL account name : XX/XX/XXXXXXXX, account name : XXXX XXXX XXXX account name : XX/XX/XXXX XXXX OF XXXX, account name XXXX XXXX XXXX, account name : XXXX,, has violated my rights. 
15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written furnish an account with 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 and crimes which antedates the report by 7 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 Consumer Notification of Adverse Actions ( 15 U.S.C. 1681m ) : - If a consumer is denied credit based on information in their credit report, they have the right to be informed of the adverse action taken and provided with the name of the CRA that supplied the report.

Limitations on Reporting Time ( 15 U.S.C. 1681c ) : - Certain negative information ( e.g., bankruptcies ) can only remain on a credit report for a specific period, limiting the length of time that adverse information can impact a consumer 's credit history.

Right to Recover Damages : - Consumers have the right to seek damages for violations of the FCRA, including actual damages, punitive damages and, attorneys fees if their rights under the Act have been violated.