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

On the XXXX of XX/XX/2023, I was apparently spoofed, which I had never heard of that term before, until I was told by the XXXX XXXX department. I received a call from USAA ( the XXXX number ) which popped up on my phone. when I answered, the person on the other end identified herself as whoever with the XXXX department, and had informed me o a suspicious transaction attempt of {$900.00} dollars in XXXX OH, I stated that was not me, and she commenced to ask questions, which legitimately sounded like a USAA employee ( all the same Verbage ) as she was supposedly fixing the issue, she also stated that someone is attempting wire {$2100.00} from your account and she asked if it was me, I said absolutely not, and she acted like she was taking care of it. needles to say I got spoofed because this was not USAA and I had never heard of such a thing. the next day the XXXX, I called USAA to check on my account because I noticed the {$2100.00} was still gone, and I check my account daily. That is when I found out that USAA had no knowledge of this correspondence, this is when I was told I had been spoofed, I was transferred to the XXXX department, where all my info was changed, and the fraud was reported. I called today to find out what the status of my money was, and what was the estimated time of receiving my {$2100.00} and I was informed that they are doing there best to retrieve the money, but if they don't I am out {$2100.00}. I told the lady this was not my fault, and I kept my composer even though I wanted to scream, but it was not her fault. And she said she would report what we spoke about trying to help me get my money back through another investigation, because once again this is not my fault, I thought it was the bank that called. I have been a member for over 25 years and this has never happened. I am reporting this because I just want my money back. what's the point of having a bank if they can not protect the money in it. what happened to FDIC,
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

4. Identity Theft COMENITYBANK/VICTORIA  Account Number : XXXX This is not mine. 

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

Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is 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 Balance : {$25.00}
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to inform you of accounts that are inaccurately reporting false information. The accounts in question are related to the creditor, XXXX. I have contacted the credit bureaus ( XXXX, XXXX, and XXXX ) on numerous occasions along with contacting the creditor, XXXX and debt collector- Cavalry Port. To date, I have yet to receive a response from either companies. Under the Fair Credit Reporting Act, the CRA has a certain amount of time -- - generally 30 days but up to 45 days in certain circumstances to resolve a dispute. If the item can not be verified by the creditor within the timeframe, it will be removed from the report. 

The creditor and debt collector has yet to provide a response to my initial complaint.. However, XXXX, XXXX, and XXXX continue to report these accounts as derogatory item ( s ) on my credit report. I have provided all supporting documentation to XXXX, XXXX, and XXXX requesting that these accounts be removed. These supporting documentations can be seen in the form of the following : 1. ) Correspondence sent to CAVALRY PORT via certified mail
Product: Debt collection

Bank of America debited {$33000.00} from my savings account when my wife wired money into my account to purchase a home. Unknown to me, BofA debited the money from my account without consent and without notification. The second mortgage debt had been discharged and I received a XXXX tax statement for the debt already. I called the bank and they would not give me any information about who collected the debt and I could not dispute or make a fraud claim against the {$33000.00} electronic debit from my account. We were not able to purchase the home we had a contract on and lost {$1000.00} deposit and other fees totaling about {$2200.00}. I still have not heard from the bank or received any written or oral message about where the money went and how I can dispute the electronic debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had a car loan, I was in XXXX during the time of this loan and I was the vicitm of idenity thedt and I have filied with the ftc.
Product: Credit card

On XX/XX/XXXX I check my synchrony credit card account that I paid off so I can be ready for purchases for the XXXX  just to find out that they closed my account. I called the number provided for customer service and was told by a lady that my account was closed due to derogatory or delinquent accounts which isn't true, all my accounts are in good standing. They also said because of balances too high on accounts which also isn't true because I paid down all my accounts below 30 % utilization and my payment history is 100 %
Product: Payday loan, title loan, personal loan, or advance loan

XXXX approved for {$11000.00} XX/XX/XXXX, XXXX pulled and approved XX/XX/XXXX, XXXX sent to corporate directly from XXXX XXXX XXXX. Told by XXXX branch that they would try to retrieve the title for me since that was my final step but they were unsuccessful. Received phone call from XXXX stating they couldnt move forward without my title and I informed her that it wouldnt be a problem to get another one printed. Called XXXX on XX/XX/XXXX to schedule a closing appointment since I was headed to the clerks office to pick up my title. She said call her once I had it in hand which let me know she didnt believe me. Called back same day and was told XXXX would call back Tuesday to schedule my appointment which was XXXX XXXX. I missed XXXX calls Thursday due to me traveling to XXXX to take my mom home after XXXX but I did call and left her a message to call me and schedule an appointment. I checked the portal Friday morning and it said denied. I left a voicemail that weekend but no one retuned my call. I called corporate to complain and spoke with XXXX. XXXX reopened the application and had me upload my title, insurance, bank statement etc. He stated I could deal with him from now on. XXXX then asked for an additional Bank XXXX ( XXXX ) since we have now moved into a new month and a new year which was Thursday XX/XX/XXXX. Friday I was sent an email with a label to overnight my title to XXXX XXXX. The email was titled : XXXX XXXX. Saturday I called and the representative named XXXX tried to assist me in entering my banking information for funding but was unsuccessful and stated I needed to call Monday and speak to XXXX. Monday XXXX wasnt available so another lady said she would just enter my funding preferences during our XXXX ( + ) funding call. In the middle of my funding call I was stopped and told I needed further verification and someone would call me in a couple hours but I never received a call so I called and was told to send a bank statement from XXXX. Now Ive become furious because now I feel like Im being discriminated against so I send the statement but I called all day and spoke to several people who couldnt give me answers. 1 representative tried to say I asked for my title back and asked to close my application so she and I had a confrontation and then another rep named XXXX in XXXX made a derogatory comment about where I was from so I cursed him out. Tuesday, I woke up and I was denied so I filed a complaint with their XXXX. The number they give you, XXXX, just goes to a voicemail that states they will call you in one business day but they didnt so I submitted my complaint online Tuesday and they responded with a follow up email that someone would call me but that wasnt until Thursday when I spoke to XXXX who wasnt helpful at all and tried to refuse to give me her address when I said I was filing a police report for them stealing my title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these items ( A ). It is notpermissible to fail to validate these reporting items as unverified information without providing proofwithin the time frame specified by law. My credit report includes the following erroneous informationthat needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XX/XX/2015 ; XXXX Balance : {$18000.00} ; ONEMAIN XXXX Balance : {$13000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$990.00}.
Product: Credit reporting or other personal consumer reports

RE : Dispute Regarding Inaccurate Charge-Off Account on My Credit Report I am writing to formally dispute an inaccurate charge-off account appearing on my credit report from XXXX XXXX, which I received on XX/XX/2024. The account information in question is as follows : Account Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/2024 This information is inaccurate because the account was included in the error.I request that you investigate this matter thoroughly and remove this inaccurate information from my credit report within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 
Please notify me in writing within 30 days of the results of your investigation. If you find the information to be inaccurate, I request that you update my credit report and provide me with a copy of the revised report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX -or- XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Victim Assistance Department XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) + XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Finance/Personal ( XXXX ) XXXX Collections XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$500.00} Needs Attention XXXX XXXX XXXX XXXX  {$300.00} please remove all items due to and resulting from the identity theft that should be blocked, by name of the source, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Copy of Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

The burden of proof is on XXXX, Transunion, and XXXX not the consumer. I am tired of this cat and mouse game with these CRA 's. I have sent a METHOD OF VERIFICATION letter to XXXX, Transunion, and XXXX did not verify the two collection accounts on my credit. XXXX XXXX and XXXX XXXX are not my accounts they are fraudulent accounts/not mine. XXXX, Transunion, and XXXX are not allowed to tell me you will not reinvestigate a dispute according to FCRA 611 ( a ) ( 7 ). I sent a method of verification to XXXX, Transunion, and XXXX and I sent a validation letter to the collection agencies. Neither collection agency validated the accounts so therefore I know for a fact you did not verify these accounts. You also reinserted the accounts without verifying nor validating and that 's against the law. I have not given any third party collection agency permission to share any information if the accounts were valid. I will be sending a certified letter to the CEO of all CRA 's concerning this ongoing problem and I will be starting legal action against XXXX, Transunion and XXXX. XXXX is not a valid form of verification. These accounts do not belong to me and I want them removed immediately.
Product: Debt collection

I am having problems with The XXXX XXXX XXXX XXXX  for a medical dept. They are trying to charge more than I owe. I have disputed this bill with XXXX and that did not help. I finally sent a dispute letter to the collection agency, which they received on XXXX/XXXX/2017 and I uploaded the dispute letter. I also uploaded the only bill they sent me that pertains to the amount they put in XXXX. The amount they have is wrong because they added a different bill to it from a different date. The bill they sent me is on their own letter head, so they could have put any amount in there. 
The smaller bills like the one they added to this one, I may be able to pay if I owe it. In addition, my insurance company got on a three-way call with the collection agency and me, the collection agent told us that the extra charge was probably a charge off fee. 
They never sent me a copy of the original billing statement, they never explained how the extra charge is expressly authorized by the agreement creating the debt, and no details about their authority to collect this debt. Please help, I am trying to straighten out my credit and they do not want to cooperate. 
They wo n't even negotiate with me. I told them that I can afford {$50.00} a month and they will not even accept it.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 ), Section 602 emphasizes the crucial responsibility of consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for privacy rights. Experian, as consumer reporting agencies, are obligated to uphold these standards. As a consumer, I have the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions must prioritize customer privacy and confidentiality.

According to 15 USC 1681, Section 604, a consumer reporting agency can only furnish a consumer report with the explicit written consent of the consumer. XXXX, Experian, and any financial institution ( the " Furnisher of information to credit agencies '' ) are not authorized to share my information without my explicit written consent. Therefore, any previous consent, whether verbal, non-verbal, or implied, is hereby revoked. 

Furthermore, 15 USC 6802 mandates that financial institutions must inform consumers of their right to opt out of information disclosure to nonaffiliated third parties. However, the " Furnisher of information to credit agencies '' failed to provide me with this option. Additionally, according to 15 USC 1681C, consumer reporting agencies are prohibited from including adverse information in consumer reports without authorization. Yet, they continue to report adverse information about my account without my consent, violating the law. 

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate consumer information to consumer reporting agencies, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations and limit the use of consumer reports to authorized purposes. XXXX and Experian are evidently failing to uphold these standards. 

Lastly, 12 CFR 1016.7 guarantees consumers the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.
Product: Student loan

Hello, I originally had XXXX private loans through XXXX which were transferred to Navient after the company split. I currently have XXXX remaining with Navient. The current student loan I have with Navient has been active for almost six years but I am still currently paying only the interest on this loan. To be clear, I have paid on this loan for close to six years and I am still not at the point where I am paying the original amount borrowed. They have not helped me when I called about this in the past, nor have they provided me with any sort of reasonable explanation as to why I am stuck with this terrible loan. In fact, I asked the women I spoke to over the phone if my race ( I am XXXX ) had anything to do with this seemingly suspicious loan and her response was " I do n't think so '' which I found for lack of a better word, insane.
Product: Checking or savings account

For two days Capital One has been experiencing an outage that has affected our direct deposits, they sent out information saying that our money would be available by today XX/XX/XXXX. I want my paycheck now. It is my money and I want it now. Its ridiculous that they have had an outage this long and have not fixed the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYER IS XXXX XXXXXXXX XXXX. 
I have addresses on my credit report that do not belong to me please delete the the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following numbers are not my please delete them ( XXXX ) XXXX ( 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

While Finalizing a Home Refinance on XX/XX/2019 the lender contacted me and stated there was a derogatory entry from a company called Virtuoso Sourcing Group in the amount of {$2600.00}. This company has never contacted me concerning a debt I called them and spoke to a XXXX XXXX would not give me there full name. I requested they verify my Phone and Physical address which they could not do. They would not disclose the details of the debt but would send written correspondence which they have not done. I sent a letter and email demanding proof of debt and that the derogatory entry be removed. They have still not responded to either request, in addition there are hundreds of official complaints and reviews alleging the same conduct. This company is clearly violating federal law with apparently no repercussions.
Product: Checking or savings account

My account was hacked by XXXX on XX/XX/XXXX in the amount of {$990.00}. The phone number came from TD Bank this scammer hacked. The phone number spoof the phone number so it looks like TD Bank was calling me. I tried to resolve the issue with my bank, however they are not refunding the money even after doing a police report, I have all of my documentations still nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I have sent documents and XXXX XXXX XXXX is not responding to me. This is a debt is alleged and I need more information.
Product: Debt collection

I ordered XXXX sofa bed from XXXX and they charged me for two My bill should have been $ XXXX and I was charged {$1800.00}. Citi-card does accounting for XXXX and told me payment was {$850.00} which I paid immediately on linento Citi card XXXX continued to charge me for 2-3 months plus late fees. Citi card did not inform me the did not transfer payment to XXXX. I have a " thank you '' card that funds can not be transferred from to another company. They did not inform of this or I would have paid another way which I did immediately. XXXX reported late payment to XXXX who knew I carried perfect credit in XXXX 's. XXXX, Citi card and XXXX are at fault for this error. I jusst got my XXXX bill from XXXX. They credited my payment of {$850.00} but include a late charge of {$200.00}. I called and they kept telling me I was late. I contacted all 3 companies all along To have billing corrected but none realized not to cancel {$1000.00} bogus fee and end late fees. This all started in XXXX when I placed order. I paid as soon as billed so I should not be penalized in any way.