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

I, as a resident of Texas, was approached by an individual who claimed to represent The XXXX XXXX, a reputable company within the architectural industry. The imposter, posing as a hiring manager, enticed me with an offer for a remote position as an XXXX XXXX as a XXXX XXXX. Their initial contact appeared legitimate, complete with professionally designed emails bearing The XXXX XXXX 's branding and a convincing tone. 

As the correspondence progressed, the scammer presented me with a series of official-looking documents, including an employment agreement and onboarding forms. These documents were designed to give an impression of authenticity and professionalism. I, trusting in the genuineness of the opportunity, complied with their requests and followed the provided instructions. 

One pivotal moment in the scam unfolded when the imposter insisted on an equipment payment to be made prior to commencing work. They send me a deposit check of {$8900.00} provided me with what they claimed to be The XXXX XXXX 's official bank account details, leading me to believe that this was a legitimate requirement. Regrettably, I transferred a sum {$4900.00} of money into the provided account, unknowingly falling victim to this elaborate ruse. 

Upon completion of the transfer, the deposit from my accout was reversed leaving me at low funds in my bank, and made my account at- {$5000.00} because of the transfer i made with their supposed to be vendor partner. All communication from the scammer abruptly ceased, leaving me in a state of shock and financial distress. I quickly realized that I had become a victim of a well-orchestrated scam, where the perpetrators deliberately misused The XXXX XXXX XXXX name to deceive unsuspecting individuals like myself. 

Since discovering the scam, I have taken immediate action by reporting the incident to my bank. I have provided them with all available evidence, including the imposter 's bank account information, and any other pertinent details. However, despite these efforts, the progress towards recovering the funds has been minimal, my account was closed and I am to pay the - {$5000.00} on my account from the money scammed from me I kindly request your assistance in investigating this matter further and bringing the perpetrators to justice. The unauthorized use of The XXXX XXXX 's name not only undermines the trust and reputation of a reputable organization but also causes significant financial and emotional harm to innocent individuals like myself. 

Im willing to provide copies of the fraudulent email communications, bank transfer receipts, and any other supporting documentation I possess. I sincerely hope that this information will aid in your investigation and help ensure that justice is served.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so puzzled about this situation. I have no idea what is going on over EXPERIAN. It's just creating additional emotional & physical distress on my part. I have a loan with the accounts below. The current status should not be showing late because I paid it on time. EXPERIAN Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

On XX/XX/2018 Regions Bank paid an {$1800.00} check written on another persons checking account from mine. I discovered this on XX/XX/XXXX and called the bank. I was told that I would have to visit the branch in order to resolve the matter. I did that the following day ( XX/XX/18 ), filed a formal complaint, and was told that I should here from someone in a few days. As of today, I have heard nothing back. However, the funds were put back into my account by the next day. Fortunately, I had deposited money in my account just days prior that allowed the matter not to cause me a catastrophe. 
Not only was the account number on the check not mine nor was the routing number even similar. Not to mention the differences in the account holder ( s ) names and address. Even different states.

Had this happened to my mother or sister it would have destroyed them. Neither of them have internet, meaning no PC banking, so they would not have even known until receiving their bank statement in the mail. Additionally, my sister does not drive and has medical issues so having to attend a branch would have been very difficult for her.

If this has happened to me, I am willing to bet the same has happened to other customers. This could cause so very many issues, including very long lasting negative effects to a credit report. For anyone that has had incorrect or fraudulent information on their credit report knows how very difficult and time consuming it is to correct.

I am attaching a copy of the other persons check and the Regions complaint ( to which I have still heard nothing. Not even a phone call to say they are investigating and will get back to me ). 

Because I have a copy of the check that is included with my online account I also have that customers address, phone number, and checking account number. Thank goodness I am not the type person to steal from another.
Product: Credit reporting or other personal consumer reports

After a thorough examination of my credit report, I've identified discrepancies, including unfamiliar items, Student loans, addresses, and other details that do not match my records. Taking immediate action, I am filing a complaint with the Federal Trade Commission ( FTC ) to report suspected fraud and identity theft, as these accounts were not authorized or opened by me 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 admitted that I was in fact a victim of this data breach and XXXX has done nothing.Please help me delete these illegal accounts from my credit reports. Mohela Department of EDU XXXX on my credit report fraud and identity theft
Product: Debt collection

In 2021, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After speaking with my insurance company, XXXX XXXX XXXX XXXX XXXX XXXX, the original billing office at the XXXX XXXX XXXX XXXX XXXX ( XXXX ) submitted bills using the wrong billing codes, so all of the bills were not paid on-time. XXXX spoke with them about the issue and never received resolution from XXXX. The outstanding balance was {$3400.00}, but XXXX has since told me it's been paid, and I have been provided with an Explanation of Benefits that XXXX has paid all balances in full. XXXX in return submitted the past due amount to an XXXX XXXX XXXX XXXX who have now taken me to court, and I have a judgement against me for {$3400.00}. None of this was my fault and now my tax returns are being garnished, this has ruined my credit because its being reported to all 3 credit bureaus, I have an unjust judgement against me and most importantly XXXX has shared with XXXX XXXX XXXX XXXX. all of my private personal information such as Doctors I've seen, my diagnosis, dates of services and procedures that I have received from this hospital treatment. I know my rights and they have violated the HIPAA Laws by releasing my Protected Health Information ( PHI ) to the collection agency and Attorney office. This private information is not allowed to be shared with anyone without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$320.00} XXXX  XXXX {$490.00} XXXX XXXXXXXX {$5500.00} XXXX XXXX {$700.00} XXXX XXXX {$1000.00}
Product: Credit card

This is my second complaint on the same matter.XXXX I liquidated funds and would like to pay this balance that was initially rejected for insufficient funds, but I can not do so. The bank 's system will not allow it! I have to wait for them to resubmit it 3 times ( which means XXXX fees from the credit card issuer AND my bank ) before it shows up again as an owed balance. I have chatted and called with no satisfaction. Initially, prior to the first fees charged, I was told by " XXXX '' in XXXX that they would correct it on their end by pulling back the payment and reposting the unpaid amount. When I saw this did n't happen, I called again and was told this was wrong, they could not do it. Every customer service person I speak to or chat with has a different story. It 's simply set up to generate fees for them. They should not be allowed to do this. They should not be allowed to NOT let you make a direct payment to stop this crazy process.
Product: Credit card or prepaid card

I have not applied for a credit card with Bank of America. On Tuesday, XX/XX/XXXX I received in the mail a VISA credit card from Bank of America. I can not find any phone number published that will allow me to talk to anyone at Bank of America about this problem. So instead I sent an email to them citing the illegal issuance of a credit card in my name and requesting confirmation in writing this account will be closed immediately.
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX. Approximately XXXX yrs ago I had an account I believe with XXXX XXXX. My XXXX had access to the account and created some sort of overdraft. That action caused me to be further dependent on him. I finally got away from him and others prior to him in XXXXXXXX XXXX I've not been able to cash checks or open a bank account. At some point there will be judgements in our cases against those who are further profiting from XXXX using internet sites to sell our XXXXXXXX XXXX XXXX. In addition, my parent passed away and I can't cash the cashier 's checks at even XXXX or any XXXX XXXX or bank. All require an account and even XXXX has my social flagged due to the XXXX XXXX incident that was due to the person who was XXXX  me last. 

I am XXXX XXXX XXXX in the case against XXXX ( etc ), XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. The description of videos is proof. One being my XXXX is still being sold and profited from on countless websites including XXXX. 

I can't pay whatever amount my XXXX  caused to mess up my credit if I can't even cash checks from my parent passed. It's odd that the internet site/companies all have banking, as they continue to harm us survivors but I can do nothing to be less vulnerable years after surviving what I went through. 

There isn't any way to " prove '' I was XXXX, but I do have records of payments to XXXX. I can as you also can easily XXXX XXXX ( my middle name ) XXXX and see my XXXX  all over the internet. I can also provide the case number with the court in XXXX. XXXX XXXX
Product: Debt collection

I received a call from this collection agency on XXXX/XXXX/XXXX concerning my debt with XXXX XXXX XXXX. The debt totaled {$1400.00}. I made a down payment on XXXX/XXXX/XXXX of {$140.00} and have been making payments of {$86.00} until this month when I stopped. Reason I stopped I called them a couple of weeks ago and asked for early payoff and they would not even discuss it. When the arrangement to make payments was made the contact person coerced me into making the arrangements by threatening me saying, '' You had better not miss a payment ''. I took this as a threat to take legal action if I missed a payment. According to the attached state of Texas statue this is totally against the statue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report had an account listed from that are not mine. I disputed the accounts with the credit bureau as " not mine '' but it recently came back as verified ... I have never had an account with these companies. Please delete immediately before further harm is done ... XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX  XXXX XXXX XXXX ),  XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX ( reported duplicate on XXXX   credit report ) .. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is
Product: Checking or savings account

Sofi advertises a {$300.00} sign in bonus for opening a new account with direct deposit. I opened the account, signed up for direct deposit with my employer and waited the 32 days described in the offer to receive the bonus. I did not receive it and contact Sofi on XX/XX/XXXX. I was told there was a " coding error '' that had to be fixed on my account and this would take 3-5 weeks. After the 5th week elapsed I still did not receive this bonus. I contacted SoFi again and was told the coding error had not been resolved and no other explanation was provided.
Product: Credit card or prepaid card

Initiated dispute with credit card company over a purchase made for XXXX dollars. I had first contacted vendor, received no response from vendor. Contacted Chase XX/XX/XXXX to initiate dispute. Received confirmation from Chase that they were investigating the dispute. XX/XX/XXXX Chase requested more information from me. I submitted additional information to Chase in the form of a letter sent via their online dispute system, XX/XX/XXXX. I received confirmation via email from Chase that they had received the additional information I sent them. 

XX/XX/XXXX, received response from Chase that made it clear they had not read the additional information I sent them. Chase indicated they were closing the dispute. Since it was clear they had not read the information, or done any investigation whatsoever, I immediately contacted Chase to reopen the dispute and reiterate that they needed to take into account the additional information sent to them. XX/XX/XXXX, received confirmation from Chase that they had received my request and were reopening the dispute. Email said " payment of amount in dispute not required while dispute is being resolved '' To sum up, Chase reopened this dispute on XX/XX/XXXX, and then did not contact me again regarding this dispute until XX/XX/XXXX. The dispute remained unresolved for well over 60 days or two billing cycles, a clear violation of the Fair Credit Billing Act. 
When I called Chase and spent over an hour on the phone trying to explain this to XXXX XXXX, he claimed that he had never heard of the Fair Credit Billing Act. Since XXXX XXXX XXXX was the Chase employee in charge of this dispute, he was in ignorance of laws protecting consumers from unfair practices and in his ignorance, he allowed this dispute to go on well over the allotted time period. XXXX XXXX was extremely rude both on the phone and by letter, claiming ignorance of the law allowed him to ignore it. 
Obviously, since XXXX XXXX allowed this dispute to sit unresolved for a year, I can no longer attempt to follow up with the vendor -- this is why the law was enacted, so that consumers would be protected from banks like Chase allowing dispute to go on and on and then deny them when consumers no longer had any other recourse.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have right under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous of times and I demand the accounts listed below to be removed because ; According to 15 USC 1681, I have the right to privacy and i didn't give Equifax permission to furnish these accounts : XXXX ACCT # XXXX, ACCT # XXXX XXXX ACCT # XXXX, XXXX  ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX/W ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXXXXXXXXX**** XXXX ACCT # XXXX XXXX XXXX XXXX Acct # XXXX,, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ACCT # XXXX XXXX  ACCT # XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX
Product: Checking or savings account

Wells fargo had a world wide system failure on XX/XX/XXXX and XX/XX/XXXX and my pay day was XX/XX/XXXX. Although there was no issue with my direct deposit there was an issue when I tried to get gas and other items such as groceries and lunch that day. Nor was cash avaiable via ATMs. They were issuing a courtesy inconvienece fee which they did not disclose to anyone, I had encountered a friend who also was with WF and told me. I called today XX/XX/XXXX one day after to incident waited over an hour for them to not be sympathetic and tell me I could not receive the inconvienece fee although I was inconvieneced. They transfered me to another person only for them to say the same thing. I have XXXX children and a job I have to get to every day and caused a major inconvienece as sadly, I do live pay check to paycheck and am the sole financial provider for my XXXX kids and significant other. My significant other even had to ask his parents to borrow necessities like toilet paper and food until for the day and our cards surprisingly worked later that day.
Product: Credit reporting, credit repair services, or other personal consumer reports

i do not recognize these inquiries XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2018 : Received email from Wells Fargo indicacting they were sending a new ATM card to me 'as a precautionary measure because your current Wells Fargo ATM card may be at risk for unauthorized transactions. 
I find this extremely curious as I have not used my ATM card at any location other than a Wells Fargo ATM machine. 
When I called in response to receivnig the email, inquirying about which machine in their network was suspect so I could avoid using it I was told they did not have that information. When I asked to be informed when then did have that info I was told they would not do that. 
When I asked about when I should call back they indicated there was no way to know : but this was on their network - one of their machines! Paint me confused and frustrated.
Product: Money transfer, virtual currency, or money service

I sent a domestic wire transfer from my Chase account to another Chase account. Chase did not follow my wire instructions and sent the funds to a FOREIGN bank instead. Chase will not return the funds and has no explanation for this failure to deliver the funds as instructed.
Product: Debt collection

Jefferson capitol systems hit my credit report with a fraudulent debt of over {$4000.00}, which they could provide no proof that it belonged to me whatsoever. And they didnt respond to me debt validation letter.
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my credit report this morning and I'm clueless about their origin. While checking my report as usual, I saw unexpected discrepancies. Despite refreshing my browser, the unauthorized inquiries persisted. Because of this, I ask for a thorough review of the documents I've submitted to prevent future worries.
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency an d have gotten little response. My official complaint is against PHOENIX FINANCIAL SE for reporting credit informati on to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I applied for a XXXX  re- finance loan. XXXX XXXX was aware that I had been trying to get XXXX and Experian to remove the inaccurate information from my Credit report. Every dispute came back as accurate from them. XXXX/XXXX/XXXX We placed a call XXXX party to XXXX XXXX, and it was stated that the loans XXXX were transferred to XXXX XXXX XX/XX/XXXX. ( the credit report shows XX/XX/XXXX ) and was giving. There number XXXX. A call was placed to verify if Iwas on the loans. XXXX states my name was just a reference on the loans.. 

XXXX XXXX has been reporting negative information for years and costing me money in higher interest rates,. 
I have continually asked XXXX and Experian to remove them and they would not as the tradelines information reported are not vaild
Product: Credit reporting or other personal consumer reports

this is the follow-up request for the following fraudulent items to be removed from the Credit report. My complaints are always ignored. Please delete these ASAP. 

EXPERIAN : Bankruptcy XXXX XXXX Bankruptcy Case Number : XXXX XXXX : Bankruptcy XXXX XXXX Bankruptcy Case Number : XXXX
Product: Debt collection

There is STILL an account on my XXXX and XXXX reports, for {$1400.00}. Original creditor : XXXX. I did not open this account. If one was it was without my consent/knowledge. Neither company has presented proof of ownership nor debt validation. I have been trying to obtain both for almost a month now. Still nothing. XXXX 's reason for no proof : their " contracts '' are online only and that literally anyone can open an account in anyone 's name. They suggested a police report be filed. This account originates in mid XXXX! I am not responsible for this account, period! I did not open this account and I did not know about it until end of XXXX, XXXX! CCS claims that it's valid because they apparently sent me letters about the account. Again, no proof or copies of those either. I never received them! Either CCS and XXXX, produce the proof of ownership I've requested several times, take it off all of my reports, or I will be forced to seek and take legal action. Its ridiculous that they have produced nothing, yet it's still on my reports, except one. Why was it removed on one but " valid '' on the others. After repeated disputes with XXXX  and XXXX, and complaints filed against both companies with XXXX there has still been zero action take. At this point I feel slightly failed by both credit bureaus. It's not ok that companies with zero proof of debt ownership, admittedly so, can still try to take money from me, and there is nothing being done to help me. I hope this issue can be resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASEUPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX