23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I participated in a XXXX interview for a XXXX XXXX XXXX XXXX with what I believed to be a legitimate company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and previously known as XXXX XXXX XXXX ). After further investigation, I discovered that the company had previously gone by the name XXXX XXXX XXXX and has been reported for engaging in fraudulent hiring practices. 

During the interview, I was asked by representatives XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for remote access to my screen under the pretense of setting up work-related software. However, without my knowledge or consent, they used this access to open a {$6000.00} loan in my name and make unauthorized transactions through my Apple XXXX. 

After the interview, I was pressured into electronically signing contracts under false pretenses, with the company claiming that I needed to complete training and work for them in order to be reimbursed for the money taken from my accounts. When I tried to opt out of this situation, I was threatened with legal action if I disputed the charges. They claimed to have recorded our XXXX interview and had my signed contract as evidence against me. After conducting further research, I found that this company has a history of misleading individuals with fraudulent pay-to-work schemes. 

As a result, I was defrauded of {$6000.00}, which includes {$1000.00} withdrawn from my XXXXXXXX XXXX credit card account and {$5000.00} charged to my Apple Card, issued by Goldman Sachs Bank. These transactions were processed through the XXXXXXXX XXXX which is a social commerce platform and when I attempted to request a refund from the merchant, my account on XXXX was suspended. In response, I immediately filed disputes on XX/XX/XXXXXXXX XXXX XXXX XXXX  with the XXXX XXXX and Apple/Goldman Sachs Bank for the unauthorized charges. In addition, I have already filed complaints with IC3 and the FTC regarding this matter. I am now submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to seek refund and the removal of the fraudulent loan from my credit history. 

To support my case, I have attached emails, the signed contract, proof of transactions made to the XXXX XXXX. Please let me know if any additional information is needed. 
Thank you for reviewing my case and I really hope we can find a solution to this soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00}
Product: Payday loan, title loan, or personal loan

I went to XXXX XXXX XXXX and closed a loan with them on XX/XX/2018 to pay off several very high interest loans. One of the loans was with Security Finance in XXXX, MO, where I live. XXXX XXXX XXXX overnighted via FedEx they payoff amount, ( It was a little over a {$1000.00} ) on XX/XX/2018 and they ( XXXX ) show on their internal accounting that the check was cashed on XX/XX/2018. Unfortunately due to XXXX ( XXXX XXXX XXXX  ) policy they can not provide me that accounting statement reflecting Security Finance cashing/depositing the check on Thursday XX/XX/2018. Security Finance says they received and posted the check on the following Tuesday XX/XX/2018, which caused there to be a 30 day late added to my credit report on that account when in fact XXXX has proof ( that they just cant give me for company policy ) they received and cashed the check on Thursday XX/XX/2018. Basically they assessed a 30 day late payment erroneously assesed to my account for reasons unbeknownst to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed XXXX XXXX  and a XXXX XXXX XXXX XXXX account with Experian after 2 days they said they both was verified. There no way these accounts could have been verified as mine they do not belong to me
Product: Checking or savings account

I am writing to file a formal complaint against KeyBank regarding their handling of a dispute process, theft, and unauthorized transactions on my account. Additionally, I am seeking assistance regarding unauthorized transactions on XXXX XXXX that occurred while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX, I became aware of unauthorized transactions on my KeyBank account totaling over {$10000.00}. These transactions were clearly taking advantage of me during a vulnerable time as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I believe these unauthorized transactions were conducted without my consent or knowledge. 

Despite my repeated attempts to resolve these matters with KeyBank, I have encountered significant challenges in obtaining a satisfactory resolution. Their dispute process has been ineffective, and they have failed to adequately investigate or address the theft and unauthorized transactions on my account. 

Furthermore, I have also experienced unauthorized transactions on XXXX XXXX during the same period. These transactions appear legitimate and were conducted without my authorization while XXXX XXXX XXXX. I suspect that these transactions are related to the same individuals who took advantage of my situation to exploit me financially. 

Key Bank has denied more than 80 % of Disputes that I have filed with them with a conflicting conclusion and furthermore to rush the investigation to avoid the provisional credit that is given within 10 days per regulation E. 
Also I had a dispute for XXXX XXXXXXXX XXXX XXXX XXXX  that was reversed .No explanation or proof they came to my home to complete the installation. They did not do it correctly and used the wrong color. After several failed attempts to contact them I contacted the Bank as they should not have been paid for an incomplete job. It is my right as a consumer to reverse the payment if the job was not complete. Key Bank did not allow me to exercise that option. And I had to pay another company to complete there job. 
Finally I have reported all unauthorized transactions to the relevant authorities. 
I appreciate your urgent attention to this matter and look forward to your prompt response. Please do not hesitate to contact me if you require any further information. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit card

On XXXX/XXXX/15, I attempted to place an order through XXXX and my credit card was declined. I contacted Citi and was informed that " Charges have been identified that may be unauthorized. Please contact our Customer Service Department at XXXX XXXX XXXX : XXXX ) immediately to verify these transactions. '' I spoke with customer service and the issue was cleared up. I again attempted to place an order through XXXX and again my credit card was declined. I again contacted Citi and was told that further verification of my identity was needed and they needed to speak to any other member of my family with my same last name to verify I am who I say I am, otherwise, my credit card would remain blocked! Why do I have to get any other member of my family with my same last name to verify I am who I say I am, when I previously gave them my name, address, social security number, transactions and payments I made to the account, etc? How would Citi verify that this other member of my family, is in fact a member of my family : by asking for their personal information???? This sounds like a scam to me!
Product: Debt collection

This is my second dispute on this {$200.00} disconnected fee I moved to COVID beginning and my life was threatening cops were called I paid my deposit upfront {$100.00} to XXXX then {$55.00} a month but I got robbed and threatened I told att that Im moving cuz Im forced and COVID I was told to prints out shipping label and I returned it to ups that day and they got it all. Then they put a disconnect fee which I was told no customer service i moved police called and Covid they lied to me I won my disputed complaint then they were changing the company name I dont know how they got my ill fathers cell and sisters looking for me then I heard from them and was threatened to pay for a non bill service was disconnected before I moved and now from the old collection its been. Taking off using as I just dud this its against the to call me family and harass but keep putting the {$200.00} fee after making it a 2021 new account and putting it on my credit report 3-6 a week they need punishment and Ive lost jobs and help with loans fton my dad especially Im on XXXX XXXX XXXXXXXX then. And now it needs to stop I have XXXX and then private messages threatened me I feel unsafe somehow to XXXX I need to receive damages in mentally and harassed by phone calls
Product: Credit reporting, credit repair services, or other personal consumer reports

unable to file a complaint with Transunion. Online website dispute service indicates to click a link that is not there. I checked browser and settings. Tried 3 computers and a smartphone. Used XXXX, XXXX  and XXXX. Link is not there. Unable to file dispute with transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a dispute regarding the inaccurate information being reported on my credit report by XXXX XXXX, account number XXXX. 

The Fair Credit Reporting Act ( FCRA ), specifically Sections 607, 609, 611, 623, and 628, requires furnishers of information to consumer reporting agencies to provide accurate and complete information. However, XXXX XXXX has violated these provisions by inaccurately reporting my monthly payment balances to TransUnion and XXXX, while XXXX reports a different balance. Furthermore, XXXX reports that the account terms are revolving, while XXXX reports that the payment is due monthly. TransUnion, on the other hand, did not report the account at all. 

I was shocked to discover that all three credit bureaus reported that I was 30 days late on XX/XX/XXXX and XX/XX/XXXX, when in fact, I made all payments on time. This erroneous reporting has had a significant impact on my credit score and has made it difficult for me to obtain credit and loans. 

XXXXXXXX XXXX with account number XXXX. The information being reported is not only false but is also having a detrimental impact on my life. 

According to TransUnion and XXXX, my payment status on this account is charge off, yet I have never received any notification from XXXX XXXX regarding this charge off account, nor have they provided me with any paperwork related to it. This violation of Section 609 of the Fair Credit Reporting Act ( FCRA ) has caused significant distress and XXXX as it has left me in the dark about the state of my finances and the potential consequences of this charge off status. 

Furthermore, TransUnion is reporting a high credit balance of {$1500.00}, whereas XXXX did not report this information at all. In addition, TransUnion is reporting the Date Last Active as XX/XX/XXXX, whereas XXXX is reporting it as XX/XX/XXXX. These inconsistencies violate Section 607 and Section 623 of the FCRA, respectively. 

This false and incomplete information is having a negative impact on my credit score, making it difficult for me to access credit and causing me undue stress and hardship. It is affecting my ability to secure a loan for a much-needed home renovation project, which is crucial for my family 's safety and well-being. 

I urge you to enforce the legal protections provided by the FCRA and ensure that XXXX XXXX provides accurate and complete information to all three credit reporting agencies. Additionally, I request that these unverified accounts be removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/2018 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

both credit bueros and creditor are claiming that they have not reported or see any remarks on file indicating XXXX, Which is now on a adverse account negatively against me. I have had fraudulent charges reacurring monthly dated back since XX/XX/XXXX.remarked added XX/XX/XXXX - XX/XX/XXXX and removed XX/XX/XXXX transunion claims no such remark is showing on file but recent report from transunion sent out XX/XX/XXXX from them is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent accounts : ( XXXX ) XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Truck Finance charges off my account while XXXX ; three years later they are showing the account open with an inflated balance not taking into account the resale. Basically they are defrauding the IRS by taking the deduction for the charge-off XXXX  and carrying an open unpaid account for XXXX showing total balance due, amount of payment for the month and account past due for over 180 days impacting my ability to progress in life severely on all credit bureaus! XXXX XXXX  is doing the same thing too!
Product: Mortgage

My husband passed away in XX/XX/XXXX and my income was cut in half with his death. I contacted Wells Fargo for recommendations to save money so that I could stay in my home. They suggested a conversion from my HELOC to a standard mortgage and I agreed. They put me on a trial period that significantly increased my payment but it included my escrows which looked indeed like a savings. I completed my trial period without missing any payments but during that time Wells Fargo began to send me notices that I owed escrow shortages and that they could not complete the conversion unless I took the house through an expensive escrow process. In short the conversion did not work out as it was costing me so much more money as well as all the surprise fees Wells Fargo was hitting me with made the reality of the conversion an untenable situation for me. So the conversion was cancelled and my loan went back to the original HELOC of {$360.00}. 

During the initial period of the attempted conversion I made 7 payments of {$600.00} almost double of what my HELOC payment was. The total payments were {$3500.00}. 
My calculations show that i am owed money back since the conversion did not take place YET on XX/XX/XXXX Wells Fargo 's XXXX XXXX insisted I was not to get a refund and instead I owed them {$190.00} to go back to my original HELOC. This is just not right. It's Wells Fargo so I paid the {$190.00} under protest. 

This conversion was supposed to help me as a widow and be stress free, it was in fact a horrible experience full of additional expense and tons of stress. I am asking for the return of the difference since I am back on the HELOC and that the conversion never took place. I paid them {$3500.00} for those 7 months, my payments would have been {$2500.00} so I am asking for the difference of {$980.00} plus {$190.00} that I paid on XX/XX/XXXX for a total of {$1100.00}. 

I will send you all the supporting documents, I have to have a neighbor fax or scan them to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to verify, through the physical verification of the original signed consumer contract, this account that you posted on my credit report.I demand to see verifiable proof an original consumer contract with my signature on it, that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : Please supply information on how you have verified this item. 

XXXX Account Number : XXXX XXXX, XXXX & XXXX Account Number : XXXX XXXX Account Number : XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information.3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.Please forward an updated credit report to me after you have completed your investigation and corrections if the following item is not properly verified by the ORIGINAL CREDITOR ( WHICH BY LAW IS ME ) then i demand for it to be deleted from my Credit report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumers 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I '' am writing you this letter regarding payments that were marked late by XXXX  for the following accounts on the following dates.. XXXX XXXX XXXX XXXX.. It is my understanding that p

er 15 u.s.c 1681 ( A ) ( 2 ) ( A ) ( 1 ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report payment history and late payments associated with payment history negatively impact, my consumer report and are considered as part of my transactions and experiences between me and your company.. Furthermore, I '' am requesting that you provide me with in writing the reasonable procedures { according to 15 u.s.c. 1666 ( B ) } That you have adopted to ensure that each period statement is mailed to me ( the consumer ) no later than 21 days before the payment due date, include all the information required by section 1637 ( B ) of title 15... You have 30 day from the date that you receive this latter, to provide me with this information in the allotted time given.. That i will assume that you can not ve
rify the late payment on that date spacifled above.. 
Lacking reasonable to ensure this accuracy of my account and i would therefore request consumer reporting agency ( Equifax, XXXX & XXXX ) or all that apply and updated the account to positives and remove the late payment from my account..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  XXXX ACCT NO XXXXXXX IS BEING WRONGFULLY AND INACCURATELY REPORTED WITH DAMAGE ON MY EXPERIAN AND XXXX CREDIT FILES.I WOULD LIKE THE ENTIRE ACCOUNT REMOVED DUE TO THE NUMEROUS ERRONEOUS LATE PAYMENTS. 
" XXXX '' ... ... ... ... .... 
OF XXXX XXXX ( AQUIRED BY XXXX/XXXX  XXXX ) HELPED TO DEFRAUD ME WITH ILLEGALLY INACCURATE INFORMATION WHILE ATTEMPTING TO OBTAIN A NEW REFINANCED OR RECAST LOAN FROM XXXX/XXXX. 
XXXX ... ../SPOC AT XXXX XXXX  ,XXXX XXXX XXXX, XXXX, NB XXXX ,XXXX, FAX XXXX, PERSONAL PHONE XXXX WAS MY REP AT XXXX.XXXX TOLD ME THAT IN ORDER TO QUALIFY FOR A LOWER RATE OR LOWER PRINCIPAL THAT I WOULD HAVE TO DEFAULT AS PART OF THE PROCESS. 
I DID AS XXXX INSTRUCTED AND WAS THEN TURNED DOWN TWO TIMES FOR THE LOAN XXXX TOLD ME ABOUT.THIS CAUSED ME TO HAVE TO PAY {$160000.00} TO BRING THE LOAN CURRENT, WHICH I DID FOLLOWING THE SECOND DECLINE.I DIDN'T REALIZE WHAT XXXX WAS INSTRUCTING ME WAS ILLEGAL AND I BELIEVED XXXX AND HIS COMPANY WERE ABOVE BOARD WHICH THEY HAVE PROVED NOT TO BE.