23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

I am an XXXX citizen living presently in XXXX. 
I was telephoned with an attractive sales offer and I started to pay the item ( a diamond of {$5700.00} ). However, I soon realized that it was a scam, for the seller, by telephone, assured me that he already had a buyer for the diamond in question. ( If it were legitimate, why would he continue to sell it when he could get more for it elsewhere? ) Since this made me suspicious, I tried in vain to verify the address of the seller. He claimed to be located in " XXXX, XXXX and XXXX '' but no specifics which I could verify. 
So, I asked to cancel the sale and refund me the money which I had already sent through PayPal. He made me think I would be refunded and said that the treasurer would get in contact with me for the bank details. I waited and waited until I realized that there would be no refund. 
When I filed a dispute with PayPal, the seller said that the delay for retraction had expired and that I would have had to send a registered letter to the " XXXX office ''. It was then that I found out the address, at least in XXXX. ( I have serious doubts that they have anything in XXXX or XXXX. The XXXX office is a tiny store frontage on a back street of XXXX. ) For your information a sales contract by telephone in XXXX is not valid without a written and signed sales contract presented by the seller to the proposed buyer. I never saw a detailed contract from him and did n't even know his address and sales conditions until it was too late. I have not received the diamond and do not want it. I just want the money back that PayPal advanced for me to the buyer ( {$1500.00} ). 
In addition to this, when I logged on to the sellers internet site, I changed the password for my " habitual '' password, unfortunately that used for my PayPal access. Shortly thereafter, PayPal notified me that my account had been breached from an unknown location. I immediately changed my PayPal password. Of course, I have no evidence that the seller is responsible, but it is very suspicious!
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. 

I want these items Deleted from my credit reports, effective immediately. I am attaching proof that XXXX has done nothing. 

Please help me delete these illegal accounts from my credit reports.
Product: Debt collection

In XXXX, during the pandemic and economic downturn, I was unable to pay my auto insurance bill with XXXX, and switched insurance carriers to XXXX. XXXX didn't properly terminate my insurance and continued to bill me. I spoke with the insurance agent and they adjusted the bill accordingly. CCS, the collection company that was assigned to this debt, didn't give me adequate time to properly dispute the debt on my credit report. Even after I was employed and payment was made, they reported it to the credit bureaus by violating the FCRA 's 30 day debt dispute window. The amounts were reported to all bureaus as of XX/XX/XXXX, ignoring my requests. 

They did not consider the COVID lockdowns, Cares Act reporting requirements by not reporting this instance, or reporting it as paid until the Cares Act expired. I have contacted the company several times to try and resolve the matter to no avail. 

In XXXX, even after I was able to pay off the balance in full, they still will not acknowledge the past violations of the Cares Act and FCRA 30 day debt validation window and will not remove the item from my credit reports. This is causing financial harm and I am unable to find good rates on mortgages and other loans.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXX  Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Mortgage

We sent the final principal payoff amount for our home mortgage to Capital One on XX/XX/2105. We contacted the company last week and they confirmed receipt of our check, but stated it would take 3 days more to credit the final payment. It has now been 7 days ( 5 business days ) since they said they would credit our final payment, and XXXX calendar days since the payment was sent. We are concerned that they are dragging their feet, and we do not trust that they will fulfill their contractual responsibilities to close out our fully paid mortgage.
Product: Credit reporting or other personal consumer reports

I paid off my XXXX XXXX credit card balance in early XXXX. XXXX is still reporting to the XXXX credit bureaus that I owe about XXXX XXXX  with a closed account and no new purchases. I disputed my balance with Experian with a receipt, and they told me I still owe the debt notwithstanding the evidence.
Product: Money transfer, virtual currency, or money service

I have been trying to add money to my account in order to invest in the stock market. But, PNC will not allow me to do so.
Product: Credit reporting or other personal consumer reports

I have disputed with this creditor XXXX  department store XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I request bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and pertorm an investigation. 
The creditor has illegally reaged my date late active from XX/XX/XXXX to XX/XX/XXXX XXXX missing date last active and XXXX and experian failed to do an update and do a proper investigation.the credit account XX/XX/XXXX even disputes XX/XX/XXXX, XXXX received a update of the creditor with a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the dealership for a new car and I picked out a XXXX. They told me they would run my credit under XXXX lenders only. Days later I saw a million inquiries I didnt approve of. They lied to me.
Product: Money transfer, virtual currency, or money service

I am filling 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 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 redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with the credit bureaus and still have not receive anything from them. I understand they are in a state a different state then me but still should not take more then 30 days to reply to my requet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I want to file a complaint against Equifax for allowing XXXX XXXX to put fraudulent information on my consumer report. All XXXX and XXXX bureaus have deleted XXXX XXXX account information from their records after I disputed the validity of the account such as irregular account dates and account details. Equifax allowed XXXX XXXXXXXX  and a third party to attempt to re-age this account and has deleted all creditor information pertaining to XXXX XXXX from my consumer report but still allowed the account details to remain. XXXX XXXX can not show me any evidence on why this XXXX dollar charge was reported to the credit bureaus in the first place nor have did they ever contact me before they furnished this information nor have I been sent any information prior to let me know I owe a debt. Also I believe Equifax added and abided my nonpublic information being sent to a non-affiliated 3rd party debt collector who then attempted to furnish a charge of XXXX dollars to my credit report in relation to XXXX XXXX and changed the account number to make it seem as though it came from the original creditor. Equifax then deleted the 3rd party creditors information and the Original creditor contact information on my consumer report, to not clearly and conspicuously specify an address to which consumers can send notice that information furnished to a CRA is inaccurate which is a violation of the FCRA. I have asked Equifax to send me all information they have related to this account as according to the law and their policies bearing my wet signature. I want these accounts deleted immediately or I will be seek litigation I am including this report in my records to indicate I have exhausted all resources in connection to this account. I believe XXXX XXXX is using false deceptive or misleading representation or means. I believe Equifax negligently and/or intentionally relying upon verification from a third party source that I have reason to know or should have reason to know is unreliable and failed to provide a description of the procedure used to determine the accuracy and completeness of the information. This has been detrimental to my consumer report and has cause me stress throughout this process and it has hindered from obtaining credit. I have been denied credit applications due to lowered FICO scores due to wrongful credit reporting.
Product: Vehicle loan or lease

I paid this loan off in XXXX. I do now know why Westlake is assessing a {$280.00} past due payment or for what. I received a letter from them in XXXX stating a payoff balance for the loan, but I already went through that process! I do not believe I owe them {$280.00}, there must be some kind of mistake, and Westlake is acting like they have no knowledge of any of this!
Product: Credit card

I reported fraud to my bank and they denied my claim and its not fair because someone took {$13000.00} out my credit card account. I didnt authorize these transactions and now XXXX in serious debt because a scammer stole my funds. 
My bank XXXX XXXX  says that their mission is to put members first but it doesnt feel that way to me. I shouldnt have to keep reexplaining to different bankers about it what happened. I dont feel like Im being taken seriously at all. I dont know if I have to get the police involved or get a lawyer and go to court to resolve this issue.
Product: Credit reporting or other personal consumer reports

Your credit report from Equifax, XXXX, and XXXX contains conflicting information about your XXXX XXXX XXXX account. Equifax claims the account was updated, but several key details do not match across the bureaus, including : 1. High Credit : Missing in Equifax but reported as {$21000.00} in XXXX. 
2. Date of Last Activity : XX/XX/XXXX in Equifax vs. XX/XX/XXXX in XXXX. 
3. Date Reported : XX/XX/XXXX in Equifax vs. XX/XX/XXXX in XXXX. 
4. Closed Date : Missing in Equifax but listed as XX/XX/XXXX in XXXX. 
5. Loan Type & Status : Listed inconsistently across reports. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to report accurate, consistent, and verifiable information. Since Equifax claims they updated the account but the updates are inaccurate, you are disputing the errors and requesting correction or removal of unverifiable data.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached 15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports and no consent is fraud.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account on my credit report which I have NO knowledge of nor did I sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. This collection found on my credit report IS NOT related to any transaction that I made. I am alleging that a person or company WITHOUT my permission or authorization used my personal info to apply for services or money and was successful in creating some accounts. All is currently being investigated by the FTC.
Product: Checking or savings account

I checked my bank account at XXXX on Thursday XXXX XXXX, XXXX, all was clear. 

At XXXX I received a text from XXXX asking if I made a {$630.00} transaction to a website in XXXX XXXX XXXX I received a call from XXXX XXXX. 

First I was told my card was blocked for confirmed fraud. Then I was asked to make an international call to a suspect XXXX Website to dispute the charges. 

I was then told that I have to wait until at least Monday but maybe 10 days for my money to be returned. I do n't understand why this transaction was allowed to go through on my bank account? 

This nearly wipe my account clean. It 's not fair, it should been flagged as suspicious before authorizing it. Calling me after the fact after placing a $ XXXX hold on my account, when they knew it was fraud, leaves me in a real lurch. 

Now I 'm on the hook for this until they decide to return my money. I ca n't even formely dispute this until it clear my account the next day. 

I 'm the victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am just stating for the record that I am a NATURAL PERSON and a CONSUMER that is filing this complaint. Do not close this complaint stating that this is not me. Now that I have passed that part, I am writing this because, I sent TransUnion, XXXX and XXXX letters disputing the validity of the inaccurate/fraudulent information that they have on my credit reports. I reached out to both companies about this and they still did not respond. I also didn't authorize any furnisher to report anything on my report. I will definitely be seeking litigation if this can not be corrected, because this is false and fraudulent information. I would also like for each company to show how they validated these account according to 15USC 1681 ( 2 ) A & B. Thank you for looking into this and please give me an update when you can.
Product: Credit card or prepaid card

I have been charged twice for 3 transactions from XXXX. One was on XX/XX/XXXX ( {$98.00} ), another on XX/XX/XXXX ( {$370.00} ) and the last one was on XX/XX/XXXX ( {$110.00} ) which is a total of {$590.00}. I was notified on XX/XX/2023, that XXXX updated my 3 transactions this morning and my balance went from {$1300.00} to {$720.00} ( {$590.00} missing ). I called XXXX and they told me that they didnt update any of my transactions today and that I didnt owe anything. I spoke to 3 customer service reps that work for XXXX and they said Cashapp has been having a system issue where they are processing old transactions that are about a month old and saying XXXX is the cause. They have been getting calls for the last week from other customers with the same issue. So I called Cash App, and the first rep told me it was XXXX who never received it and thats why my money is missing. The second Cash App rep told me it was not Walmarts fault its actually Cash App. The last customer service rep I spoke to told me that it was never deducted from my account even though it was. 

Below I attached proof that not only did I pay those amounts and they were deducted out of my acct but also proof from XXXX stating that it is Cashapp 's fault. 


The screenshot of the messages I received from Cashapp let me know how much was deducted from my account from XXXX and when. The one on XX/XX/XXXX was originally {$450.00} then was updated to {$370.00}, which XXXX refunded me the difference of XXXX on the XXXX of XXXX. The screenshot of the message I received on XX/XX/XXXX was confirming that I spent {$120.00} the was updated to XXXX and they refunded me the difference. 


I also attached proof that Im not the only one missing money and havent got it back. Its all over the internet of Cash App stealing people 's money and either saying XXXX never received it or that XXXX did receive it, Cash App just never took it out of their account. I already paid for everything over a month ago, all {$590.00} worth. The issue is with Cash App, not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed 3 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 items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Mon XX/XX/24 - Requested account closure and check mailed to me for full amount of my XXXX account ( {$6900.00} ) with XXXX. 
Wed XX/XX/24 - Check dated this day. 
Friday XX/XX/24 - Received XXXX Check for account closure in the mail. XXXX Custodian XXXX, check issued by Huntington Bank. Check issued to my personal name in full amount of {$6900.00}. 
Sun XX/XX/24 - Deposited XXXX Check into personal checking account with XXXX XXXX, my banking institution. 
Tues XX/XX/24 - XXXX XXXX check deposited ( first attempt ) is fully available for full amount ( {$6900.00} ). 
Wed XX/XX/24 - I mailed a personal check for the full amount ( {$6900.00} ) to a separate institution with the understanding this money was now fully available to me. 
Thurs XX/XX/24 - XXXX XXXX reversed the entire check amount ( first attempt ) ( {$6900.00} ). 
Thurs XX/XX/24 - I called XXXX XXXX to start a case/ticket for more information, was told to call back on Monday. 
Mon XX/XX/24 - I called XXXX XXXX back to check on my case. I was informed the check was rejected by Huntington Bank, the originator of the check. 
Mon XX/XX/24 - I called XXXX and spoke with XXXX XXXX who opened a ticket to track this. We discussed options and I was advised I could re-deposit the same check to my personal checking. Notes were added to my XXXX case to inform the Huntington Bank Operations team to accept the check. 
Mon XX/XX/24 - I attempted to deposit the check a second time with XXXX XXXX. 
Wed XX/XX/24 - XXXX XXXX check deposited ( second attempt ) is fully available for full amount ( {$6900.00} ). 
Wed XX/XX/24 - My personal check, which I mailed on Wed XX/XX/24 with the understanding I now owned my funds, was cashed by the separate institution for the full amount ( {$6900.00} ). 
Wed XX/XX/24 - I called XXXX and spoke to an individual with whom I could barely understand/communicate. I asked them to please update me on the status of the second deposit attempt from Huntington Bank Operations so I could ensure it would not be rejected a second time on the third day. I was assured notes were added to my account. An update from Huntington Operations would take XXXX business day. I was informed to call back tomorrow to receive the update from Huntington. 
Thurs XX/XX/24 - XXXX XXXX reversed the entire check amount ( second time ) ( {$6900.00} ), leaving my personal check account in the negative for over negative XXXX XXXX dollars ( over XXXX XXXX ). 
Thurs XX/XX/24 - I called XXXX and spoke with XXXX. I was informed the individual I spoke to on XX/XX/24 failed to add notes to my account. I elected to now void the original check ( attempts XXXX and XXXX ), and XXXX is to send me another check in the mail for the same original amount. I was informed there will likely be no expedited mailing despite the hardship incurred as a result of XXXX and Huntington 's actions. I was also informed by XXXX this is not the first time she has encountered this precise issue from another customer of XXXX, indicating a systemic flaw or malicious design of the account closure process. 
Thurs XX/XX/24 - Submission of CFPB complaint. Still awaiting my money from XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX SENT " STATEMENTS '' WHICH ARE NOT ORIGINAL CONTRACT/SECURITIES SIGNED BETWEEN XXXX PARTIES.
Product: Student loan

Three years after graduating, I get a call saying my private loan will go to collections. I never once received a call, email, letter, ect and I'm already paying off my other student loans. This whole time was during the student freeze so I'm feeling stressed about the situation.