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

I rented an apartment through XXXX that turned out to be a scam. I did my due diligence as well as I could, but transferred {$3000.00} to the scammer through XXXX on XX/XX/XXXX. When I arrived in XXXX XXXX on XX/XX/XXXX, the apartment was not even owned by the scammer in question. I reported it to the police in XXXX XXXX. I assumed that XXXX had fraud protection, since it was sent through Wells Fargo, my bank, but it didn't. I looked into how to get the money back but since it went through before I knew it was a scam, there is no way to dispute it.
Product: Mortgage

Bank of America Home Loan 's fraud into my account continues. Today this outstanding balance on my account has jumped to {$310000.00} with a interest payment due of {$3300.00}. It's illegal and criminal. Bank need to STOP all these illegal activities into my HELOC account # XXXX now, come clean, reinstate all correct entries, stop harassing me and above all explain and apologize.
Product: Credit reporting, credit repair services, or other personal consumer reports

not in compliance with XXXX XXXX
Product: Credit reporting or other personal consumer reports

ALL THESE ACCOUNTS ON EQUIFAX WITH STATUS CHARGE OFF OR 120 DAYS OR MORE THAN XXXX PAYMENTS PAST DUE ... .... NEEDS TO BE CHANGED AND UPDATED TO PAYS OR PAYS AS AGREED. 

THESE ACCOUNTS HAVE REPORTED FOR MORE THAN XXXX  YEARS AND NEED TO BE REMOVED ALTOGETHER FROM THE EQUIFAX REPORT AS THEY ARE NOT REPORTING ON XXXX OR XXXX AND HAVE BEEN REMOVED
Product: Debt collection

fraud on my credit file on account i never had!!! 
XXXX XXXX XXXX XXXX for {$780.00} file date XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2020 XXXX XX/XX/2020 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

Company continues to attempt to collect a debt from me that is not mine. I have sent them the consumer law regarding their attempts and they continue to violate them WITHOUT any proof or documentation that I owe them through said debt. I will be resulting in taking legal action against them because other companies are discriminating against me due to my credit report on behalf of that false debt they claim I owe.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the bankruptcy information reported on my credit report. According to my records, the state court responsible for handling my bankruptcy case did not provide my information to be reported to your agency. As such, I believe this information has been included on my credit report in error. 
Details of the disputed item are as follows : Filing Date : XX/XX/year>XXXX  Court Name : XXXX XXXX XXXX, XXXX GA This inaccurate reporting is causing significant harm to my creditworthiness, and I kindly request that you investigate this matter promptly. Please verify this information directly with the court listed above and remove the bankruptcy entry from my credit report if it can not be substantiated.
Product: Checking or savings account

My name is XXXX XXXX, XXXX, executor of my mom, XXXX XXXX account at citizens. XXXX XX/XX/XXXX. Sadly mom passed away XXXX and I called her local XXXX NJ branch and was told by XXXX XXXX my deceased sister was XXXX. 
Since XX/XX/XXXX I took over moms accounts and spoke numerous times with XXXX XXXX at XXXX XXXX XXXXXXXX. I was informed on multiple conversations that my sister and I were XXXX as my mom requested. My sister XXXX XXXX passed away XX/XX/XXXX and XXXX was notified, sent documentation, yet failed to inform me XXXX was the only XXXX on account. This oversight by XXXX now prohibits me from accessing moms account and forces me to go through probate and be charged 14 % tax for washington state. 
This omission of information by XXXX will cost me > {$10000.00} in probate tax, and violates my moms wishes that I was XXXX on all accounts. 

I appreciate a conversation to find remediation of this oversight.
Product: Credit reporting, credit repair services, or other personal consumer reports

Florida address shows opening a account on my credit report disputed the address on my report since Ive never lived in Florida and response to my dispute was addressed updated and changed but its still the same Florida address where someone stole my identity and opened a account in my name with this Florida address card has been closed but address still shows up on my report thats not mine
Product: Checking or savings account

On XX/XX/year> my son attempted to send XXXX dollars XXXX XXXX. Using my card on his XXXX account. The total was XXXX A confirmatiom number was generated for a cancelled transaction. XXXX said wait XXXX business days for refund. I called Chime on Thursday XX/XX/year> The funds went into pending status according to the Chime agent. I told the agent I am not able to see this transaction for whatever reason. The agent told me yeah only he could see it. I asked why? He eveded the question and he eventually said we had to wait on XXXX XXXX to issue the refund. I called XXXX XXXX on XX/XX/year> was told I should contact my bank, so I did. I was told by another agent the money went into a pending status on XX/XX/year>. I asked to confirm if when in pending status do the funds leave my account, was told yes. Asked to speak to a supervisor to get my funds. I was transferred had to explain the whole situation again. Was told by agent he couldn't see transaction. He told me he checked the notes the other agents left and told me they said they didn't see the funds in pending. So I asked if he was able to see that why did I have to explain everything at the beginning of the call. We went in a few circles I hung up.
Product: Debt collection

I have not had any attempts from the company to contact me on my debt just got served. They never sent billing statements or called. They say they sent statements but I never received any. Also I never took this line of credit out with them. It was with Pay Pal synchrony never sent a notice that they bought my account or anything if that is what happened. I am a XXXX was XXXX. So with out trying to contact me or send me a debt validation letter as I was never given a opportunity to request one. What they do is get a attorney to sue for a debt you have no clue about with them. Also when the court sets up a mediation synchrony files a motion for summary judgment. They have yet to respond about never contacting me. They go with a big XXXX that I owe them money with no proof. They can not even go to a mediation so they must not have any to show at mediation. You guys should go in a review them. You will probably find violations and be able to fine them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i got a notification from XXXX XXXX saying some mortgage lender has performed a credit check on my account. when i logged in XXXX XXXX i see the agency name as CIC Credit. 

i started inquiring recently about rates in XXXX XXXX, XXXX XXXX   but i never game my son or date of birth or provide authorization to run my credit. now XXXX XXXX says i have 12 days to find a mortgage lender to avoid degradation in my score. 

can you please look into the inquiry asap since i didn't not provide consent for sure. if you have any questions i can be reachable. 

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

I have new information Fact, on XX/XX/XXXX I notified Equifax that they were violating my privacy by reporting an alleged bankruptcy XXXX without my consent. 
Fact, A consumer reporting agency can not furnish information on a consumer 's report without my written instruction 15 USC 1681 ( a ) ( 4 ).

Fact, the reported case number of the alleged bankruptcy is inaccurate.

Fact, Equifax response on XX/XX/XXXX did not sufficiently address my ( the consumer concerns ). 
Fact, Equifax responded with a form letter Fact, Equifax continues to report inaccurate information after being notified of its inaccuracy. 
Fact, US Bankruptcy Courts do not report information to any consumer reporting agency. 
Fact, I suffered financial loss due to Equifax 's inaccurate reporting. 
Fact, Equifax 's inaccurate reporting caused me to be denied for a home equity line of credit. 
Fact, The XXXX data breach has compromised the accuracy of Equifax 's data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously looked into this account with false information, and after reviewing my report, I realized that the identical account continues to be false, with a confirmed status. Please update the enumerated account below : XXXX XXXX XXXX  XXXX XXXX : {$8400.00}
Product: Student loan

Applied for the XXXX repayment plan XX/XX/23. Application is still " under review '' as of XX/XX/23, with full payments being due XX/XX/23.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.
Product: Credit card or prepaid card

Beginning XX/XX/2023 there was fraudulent activity on my credit card. I contacted capital one after they reached out to me through the fraud department to verify your transaction that I did not authorize. 

After filing the disputes and receiving my new card, the representative said, I would be receiving temporary credits that I can utilize on my card while the investigation was in process. 

I contacted customer care because it shows I have zero dollars for available credit when they were supposed to be the credit applied for those fraudulent transactions. 

However, an agent is saying now I need to wait 90 days to have access to those funds. Thats completely not fair. Someone else goes shopping with my credit card and I get to lose the opportunity to spend the money I was granted? Not fair.
Product: Checking or savings account

Early XXXX, 2023, I opened a checking account and credit card with Truist Bank, XXXX XXXX. XXXX PA. They were offering a PROMO of {$400.00} to open an account. As of XX/XX/2023, I completed all the requirements. XXXX XXXX was the XXXX XXXX, who assisted me with opening the account. Whenever I call on the status of the {$400.00} promised, I'm told the " XXXX  Department '' is still researching. Wait another XXXX days. According to the information when I opened my account, that {$400.00} would be deposited within XXXX weeks of my completion of the terms. XXXX XXXX informed me today, another woman has been waiting since XXXX for her XXXX. 

I also learned today from XXXX XXXX, that Truist finally located the {$250.00} from my previous complaint. That money needs to be reimbursed to XXXX, who after almost two months reversed the payment and refunded my money. XXXX XXXX told me today, the XXXX XXXX, XXXX location, just located the check for {$250.00} sent to them by XXXX. What is going on at Truist bank. Please do what you can to get them to honor thier XXXX and deposit {$400.00} into my checking account.
Product: Credit reporting or other personal consumer reports

Did not approve any of these inquiries and I need them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Ive reached out previously to get them removed but had no reply.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, I am entitled to dispute any information on my credit report that is inaccurate or unauthorized.

Upon reviewing my recent credit report, I identified the following inquiries that I did not authorize : 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 XXXX 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 These inquiries were made without my consent, and as such, they are in violation of the FCRA. Per 15 U.S.C. 1681n, I am requesting the removal of these unauthorized inquiries from my credit report and compensation for the inconvenience and potential damage to my creditworthiness.

In addition to removing these unauthorized inquiries, I am requesting {$1000.00} for each inquiry as stipulated under 15 U.S.C. 1681o, which provides for damages in cases where the FCRA has been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  XXXX XXXX account was hacked on Thursday for {$160.00}, and it was hacked last month for {$69.00} and a recurring account was debiting our bank account and sending the money to pay credit cards and a XXXX bill. Months ago we were hacked for {$1900.00}. I checked to learn if my name was among those hacked in the XXXX hacking and learned that my information was among the records hacked. I sent letters to the credit bureaus requesting each to remove inaccurate names and addresses because I believe the fraud is connected to inaccurate information available on my credit report. Please assist me in communicating to the credit reporting bureaus to remove all inaccurate personal information. My correct name is XXXX XXXX XXXX and this is the only name that represents me. 

My address is incorrect too. I live at XXXX XXXX XXXX. XXXX XXXX  XXXX. Any information contrary to my name and address is incorrect and should be removed.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. Account Name : XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violations.
Product: Checking or savings account

I bought a product which was defective and did not complete the task desired. I asked for a refund from the company which they quickly agreed to with no issue ( smile direct club ). That was mid XXXX. They informed me it would take XXXX business days. I consistently contacted them once a week to which they gave me updates. Finally mid XXXX I filled a claim with my Chase bank saying that I was expecting a refund and didnt receive since it was over the expected time. They closed the case in a day saying they didnt have it and can no longer try to get it. I contacted the merchant and they told me the refund was processed XX/XX/2023. I went back to the bank around XX/XX/XXXX th to which they told me to go to the authorities that nothing can be done and Im screwed. They were lying to me. I contacted the merchant again and asked for the details which were provided. Finally I called Chase to let them know but even before I asked they said if youre calling about smoke direct club then I dont know what to tell you as if they were already talking about it. I uploaded proof of the processed refund to which they still said we dont have it. Its been almost triple the expected wait time. They are trying to still my money.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX, I discovered that on my Experian credit report, my student loan ( approximately $ XXXX ) was mistakenly shown via two separate Department of Education loans ( one with XXXX  and one with XXXX ) and I submitted a dispute on their website. The other XXXX credit reporting agencies do not ( mistakenly ) have the XXXX loan designated as open like Experian ; nor is the total student loan balance double the actual amount as it is on the Experian credit report. 

The XXXX loan was transferred to XXXX effective XX/XX/XXXX. XXXX sent me notification of the transfer of the loan to XXXX, confirmation that the XXXX loan has a XXXX balance ( due to the transfer ) which confirms that the XXXX loan is closed. Experian responded to my dispute by verifying the information I submitted was accurate, but Experian failed to correct the inaccurate information my credit report by closing the XXXX loan. Instead, Experian took some other action ( adjusting the initial balance of the XXXX loan ) which is irrelevant and unhelpful because the loan needs to be designated appropriately as closed/transferred. 

On or around XX/XX/XXXX, after a follow up call to Experian during which I explained these circumstances to no avail, I submitted the two documents from XXXX described above to substantiate my claim in a second dispute. On XX/XX/XXXX, Experian responded by informing me again that they verified that the information I provided was accurate. However, once again, Experian failed to correct the inaccurate information by designating the XXXX loan as closed/transferred which is apparent from the documents from XXXX as well as my loan payment history. 

Experian is ignoring the obvious, that the loan I had with XXXX is closed due to the transfer to XXXX. As a result, I am impacted by the impact of this inaccurate information, and Experian has not been helping despite my multiple attempts to update my credit report even though they acknowledge the information above is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$58000.00} ; XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX  XXXX XXXX Balance : {$11000.00}.
Product: Credit card

On XX/XX/2023 - I reserved a fully refundable car on XXXX for XX/XX/XXXX - the website errored out and gave me a non-refundable and non-cancellable car. I called XXXX within minutes and asked them to change to refundable. They refusted. 
So I called my credit card company ( capital one ) and disputed the transaction. They credited me the charge on that day ( {$770.00} ) On XX/XX/XXXX - Capital One credit card contacted me that the dispute could not be resolved as it was a non-cancellable reservation and charged me again. I said fine. I'll go ahead with the reservation. 

On XX/XX/XXXX night I called XXXX again to add some services to my resrvation - car seat and insurance and they advised that I call the car rental directly ( XXXX ). I did so and confirmed with XXXX. So as of XX/XX/XXXX my reservation was not cancelled On XX/XX/XXXX when picking up the car from XXXX I was told that XXXX had cancelled the reservation. I called XXXX and they said they cancelled it because it had been disputed. I called capital one and they said they will look into it and credit my account. I picked up a car from another car rental and had to pay over {$1400.00} for the same car as it was the last minute and day of the reservation. 

On XX/XX/XXXX - Capital one credited my account {$770.00}. I though that was the end of it But on XX/XX/XXXX - Capital one charged my account {$770.00} again despite knowing that the vendor did not provide the service!! 

I have called and spoken with XXXX who refuses to credit me and also Capital One who say they can not do anything. 

So basically neither of them are looking out for the consumers interest. I have filed a complaint against XXXX with the FTC and reaching out to you to complain about capital one. This credit card company is looking out for the rights of the vendor ( XXXX ) and not me ( the consumer who is their client ) Please help provide a fair resolution
Product: Credit card or prepaid card

In accordance with the fair credit reporting act Sheffield financial co 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 with 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 a purpose.
Product: Credit reporting or other personal consumer reports

My credit reports are all different. I cant even get my Experian. They say I have no score but yet Im XXXX XXXX. I have a XXXX, XXXX XXXX. I have a XXXX, XXXX has my wrong birthdate so its not even me trying to fix this.