23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Unusual accounz activity XXXX my ccount. I had contacted the financial institution over and over about missing monies XXXX charging my account with merchants I had blocked previously. I have recovered only bout XXXX dollars of the XXXX since XX/XX/XXXX that has been scammed or over charged mounts on my account. They have not handled my money responsibly XXXX my bank, and made it so easy for the scammer to keep taking from me over and over, .. even XXXX much as making a false Current XXXX XXXX pp o idnot recognize money being spent and donated to XXXX XXXX XXXX XXXXXXXX account on XXXX XXXX Alot of transactions weren't in my history on app o had to go through all statements available. I have an open dispute now that's their fault, paid monies to blocked merchants I still haven't been refunded. Which all charges are made by my hacker and scammer XXXX XXXX XXXX, from XXXX XXXX born XXXX made name XXXX previously from XXXX Al went to XXXX XXXX XXXX nd lived on XXXX XXXX XXXX Al XXXX
Product: Checking or savings account

Moved out on XX/XX/XXXX, I received back my security deposit check of {$2100.00} and deposited to my savings account. 
Check was sent to my old address, so I went in person to pick it up, XXXX. I deposit the check and 2 days later, property management cancels the check and funds are returned back to them, they received my new forwarding address and assumed I did not get the check. They send me a new check, XX/XX/XXXX and I ask them if it was okay to deposit this check, they said yes and my bank account was locked due to potential fraud. Chase bank could not verify the maker of the check, XXXX XXXX, they needed to contact a verified number, but they could not tell me that information. I submitted forms, I tried calling the issuing bank, property management and none of those numbers Chase accepted. My bank account was then closed since they could not verify, XX/XX/XXXX. Chase is withholding the security deposit funds, the check had already been cleared. I kept calling to see when it would be returned if we could not verify and they said 6 months to a year, they could not give me anymore information for security purposes and that I would have to contact property management. I kept trying with property management but they said they submitted a request for a return and Chase says they did not get a request. I ask for updates and I do not get a follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps allowing a debt collection agency called ars to keep posting an inaccurate debt that's been removed several times
Product: Credit reporting or other personal consumer reports

This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX XXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX {$75.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$16.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX 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

Hard credit inquiry from Syncb/Amazon XXXX on credit report. 
I have not applied for any credit cards, loans, etc.from this company or any other.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Balance : {$1200.00} ; XXXX XXXX  ( Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : {$400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

Unauthorized XXXX transfers XXXX done back to back, I dont think I ever was told by Wells Fargo that I even have a XXXX account the scammer got access to my computer and mislead me on the cell phone to give codes Wells Fargo said after looking at this no recourse or refund would be issued. Im quite concerned Im on a fixed social security income. The amount taken was XXXX, XXXX, XXXX, and XXXX all to a persons name I do not know.
Product: Money transfer, virtual currency, or money service

XXXX wire transfers were made to entities which turned out to be fraud entities - attempts to recall the wires have been unsuccessful. They have not provided any goods and services. 
WIRE TRANSFER1 : DATE : XX/XX/2023 ; AMOUNT : XXXX USD WIRE TRANSFER2 : DATE:XXXX ; AMOUNT:XXXX USD I have created the following case numbers with XXXX XXXX to attempt to recall the wires WIRE TRANSFER1 : XXXX WIRE TRANSFER2 : XXXX For wire transfer XXXX actually I received a letter from the fraud investment company ( at that time I did not know it was a fraud ) that I should contact my bank and asked me to reverse the wire transfer : " Important notices Dear XXXX XXXX, We regret to inform you that the {$100000.00} transfer to XXXX XXXX  on XX/XX/2023 is currently inaccessible due to an ongoing bank audit issue. To resolve this, we kindly request your personal intervention at the bank to apply for a refund, citing the other party 's inability to ship the goods as the reason for the application. Once complete, we ask that you initiate a new wire transfer. Rest assured, your account credit in XXXX XXXX will be maintained during this period. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX Department '' I believe the receiving bank ( PNC Bank ) had knowledge of the irregularity of the wire transfer and actually suspected something - yet they allowed the transaction to go through and did not take steps to warn me or reverse the wire transfer. 

I will attach a copy of the email as a document. 



I have contacted XXXX XXXX to provide the funds back to me- but they do not respond to my emails as well as the Online chat with the XXXX XXXX does not yield any results.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding TransUnion 's failure to remove inaccurate information from my credit report, despite my dispute submitted over XXXX  months ago ( XX/XX/XXXX ). In my initial letter, which is both dated and time-stamped, I provided evidence and requested the removal of a specific account that does not belong to me. While XXXX and XXXX have deleted this account, TransUnion continues to report it : XXXX XXXX XXXX This is not my account. Additionally, under 15 U.S.C. 1681b, I have never provided written consent for your agency to report this account. Reporting information without my consent constitutes Identity Theft, and this account must be removed immediately. This failure to investigate violates the Fair Credit Reporting Act ( FCRA ) and contradicts the precedent established in Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ). The court ruled that credit reporting agencies must conduct reasonable and independent investigations instead of solely relying on data from the original source. I demand that TransUnion remove this inaccurate information and provide me with a corrected credit report. Failure to address this violation entitles me to seek damages under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.
Product: Debt collection

Received a false and misleading refund demand requesting direct payment to Payment Resolution Services , LLC ( PRS ) ( who is not a fiduciary ), conspiring with XXXX XXXX ( qualifying as a fiduciary ), fabricating an alledged claim benefit overpayment of a previously paid medical claim totalling {$11000.00}. XXXX and PRS are aware that such acts fail to align with protected benefits and rights due the insured consumer as documented under applicable plan documents, state and federal laws. However as part of its scheme and without notifying the insured consumer and its plan sponsor providing benefit coverage, XXXX and PRS act in disregard of these consumer protected rights, in exercising its scheme with a focus on their own financial gain. Based on our understanding the scheme results in the wrongful financial gain of both PRS and XXXX which promotes suspicion of and may involve acts that qualify as an unlawful kickback type arrangement, financial fraud, mail fraud, wire fraud and other know prohibited transactions. As recent courts support such systemic use of refund demand and corresponding cross-plan offset schemes are commonly used by insurance companies qualifying as fiduciaries, as a deceptive method to intentionally co-mingle plan funds and recover for its own financial gain, benefits due and owed its insured clients and healthcare providers afforded such benefit payments for healthcare services rendered in good faith.
Product: Credit card or prepaid card

My monthly payment is {$42.00}, Since the debt was made, I have paid over the monthly payment in the amount of {$10000.00} per month. The last payment was charged a late fee of {$28.00}. There can not be a late fee if I am ahead on my monthly payments. How can I be late with a {$42.00} payment when for the total Time I had the loan, I have more than doubled the monthly payment? The card Company is Lowes/Sysnchrony Bank, XXXX XXXX XXXX, XXXX ga. XXXX. Phone, XXXX XXXX XXXX. My acct. number XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally report the non-compliance of the credit bureaus in addressing my repeated requests for the removal of inquiries from my credit report. Despite multiple attempts to contact them and provide the necessary documentation, I have not received any response or action from their end.

The lack of response and action is concerning and adversely affects my credit standing. I urge the Consumer Finance Agency to take immediate action to ensure that the credit bureaus comply with their obligations under the Fair Credit Reporting Act ( FCRA ) and promptly address and rectify the inaccuracies in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EQUIFAX ARE DEPICTING XXXX XXXX, ACCT # XXXX .... 
WRONGFULLY ON MY BUREAU REPORTS. 
THE ACCOUNT DEPICTED IS INACCURATE AND INCOMPLETE.THE REPORTS TO NOT SHOW THE MONTHLY PAYMENT WHICH I PAID BRIEFLY ON THIS FRAUDULENT LOAN. 
THE LOAN APR WAS NOT EXPLAINED TO ME WITHIN THE 72 HOUR RECISSION PERIOD SO THAT I COULD UNDERSTAND THAT THE UNMENTIONABLE UNCONSCIONABLE OVER 100 PER CENT APR LOAN AND DECLINE IT.ATTACHED IS THE COURT ORDER REQUIRING THIS AS A PERMANENT INJUNCTION.I HAVE ATTACHED THE CFPB COMPLAINT AGAINST THE CREDITOR WHO UNSIGNED THE RESPONSE AND REFUSES TO MENTION THE APR RATE OR THE CA SUPREME COURT CASE THAT DETERMINED THE 100 PER CENT PLUS APR LOANS VIOLATE THE CA BUSINESS AND PROFESSIONS CODE.

I HAVE ATTACHED XXXX XXXX XXXX XXXX XXXX, THE CASE THAT THE SUPREME COURT CONCLUDED IN 2018. 
ADDITIONALLY IF THIS HAD BEEN A LEGIT LOAN XXXX SLEPT ON THEIR RIGHTS TO SUE TO COLLECT.THE STATUTE OF LIMITATIONS FOR THIS IS 4 YEARS ... HAS BEEN 6 YEARS. 
XXXX IS DEFUNCT YET STILL FIGHTING IN COURT TO KEEP THE MONEY THEY DEFRAUDED THE PUBLIC. 
THEY ARE DOING A FANTASTIC JOB WITH THE WORLDS BEST LAWYERS. 
IN BOTH CREDIT FILES THE MONTHLY PAYMENT IS NOT REPORTED INTENTIONALLY AND IS A VIOLATION OF THE FCRA.THIS IS DONE INTENTIONALLY SO THAT THERE IS NO RECORD OF THE INTEREST RATE ON FILE ... THE MATHEMATICAL COMPUTATION CAN NOT BE DONE AND THE EVIDENCE IS HIDDEN ... BUT THIS ALONE IS SUFFICIENT FOR EQUIFAX AND XXXX   TO DELETE THE ACCOUNT IN ENFORCEMENT OF THE FCRA THAT THEIR DEPICTIONS MUST BE ACCURATE AND COMPLETE HIDING NO IMPORTANT SUBSTANTIVE INFORMATION SUCH AS THE MONTHLY PAYMENT, PAYMENT TERM AND DATE OF FIRST DELINQUENCY. 
I HAVE ATTACHED THE VIOLATED INJUNCTION, THE SUPREME COURT CASE, THE CFPB RECENT UNSIGNED RESPONSE OF XXXX.I HAVE ALSO ATTACHED MY MEDICAL RECORDS OF MY 4 XXXX. 
THE XXXX CAUSED XXXX AND XXXX  XXXX PRIOR TO THE INCEPTION OF THI S LOAN AND MADE IT MUCH EASIER FOR THIS PREDATORY LENDER TO DUPE ME INTO SIGNING WHAT THEY WANTED.
Product: Debt collection

I get calls from Alliance several times per day every day, I have no idea which debt they 're trying to collect on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed incorrectinformationon my credit file from XXXX XXXX XXXX. this company is reporting an account that I 'm not aware of from XXXX which is claimed to have been openedby my XXXX XXXX. It is being reportedon my file as a duplicate account. I disputed with the creditor as well as the credit bureaus but has failed be removed. Because I have n't heard fromXXXX XXXX XXXX and it 's been over XXXX days I disputed with CFPB whom response was that XXXX XXXX XXXX did NOT respond to them as well. Now I have decided to add in the credit bureau to get my file corrected
Product: Debt collection

Accounts were fraudulently opened or applied for and were not authorized by me
Product: Debt collection

Hi, Ive submitted a request for debit validation 30 days ago. Today is the first post date and no information has been provided. 

Ive contacted both XXXX and XXXX. 

No letters of validation have been emailed or sent to my home. 

This is unacceptable! 

Both companies have given me a harsh time and are not presenting information I requested, so therefore this items needs to be deleted off my credit report! 

If they can not foster the agreed upon terms they will need to follow protocol and fix this situation. 

Ive been yelled at by 3 different agents. 

Ive attached some documentations Also, Porfolio recovery services has my account listed as open. I do not have any contract with them. 
Thanks in advance.
Product: Credit card

capital one credit cards never sends me a billing statement so I can pay it they close the accounts for or some one used the cards I am paying on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items do not belong to me and I believe my information might have been in the hands of the wrong person. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These items are not mine and I would like them removed immediately
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights to privacy.

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 They have harassed me via phone, even after changing my phone number. I am demanding the original application for this debt be furnished, along with proof of my written signatures or this needs to be remove immediately.
Product: Checking or savings account

On Wednesday XX/XX/XXXX my bank account was closed for unknown reasons with CITI bank. They have refused to refund my the {$230000.00} available balance in the account as they can not verify my phone number on public record. The account was open for a year with two phone numbers that were previously able to be used to verify my identity. I have given them every phone number ever associated with my name but still they can not verify my identity or give me an alternative method to receive my funds. I have had a new york lawyer reach out who also was never given a response.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - Dist. Court, ( XXXX XXXX XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts XXXX XXXX XXXX and by refusing to adequately investigate consumer disputes regarding the status of XXXX accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XXXX XXXX XX/XX/XXXX In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans XXXX XXXX  XXXX. XXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

I was trying to improve my  credit s  core an d disputed a charge off from   XX/XX/XXXX   that was charged off but then paid to  XXXX  in    XX/XX/XXXX .   within the next couple of months I receive a collection notice from  Portfolio Recovery Assoc . saying I owed. I disputed with them and submitted   all the paperwork. They denied it only showing the   XX/XX/XXXX  a mount they did not acknowledge the  21  payments of  XXXX  per month that was reported to the Credit Bureaus. from   XX/XX/XXXX  to  XX/XX/XXXX  . They informed me to take it up with  XXXX  of which I did.   as I am disputing with  XXXX   Portfolio is sending  me more notices that this is my debt. I disputed it again sending it certified this time and once again they will not acknowledge the settlement made to  XXXX . In the process they have put this on my credit of which they said it would say disputing. That was false it is showing as my debt. I was in the process of refinancing my home and have had problems due to their accusations.
Product: Student loan

Navient student loan services constantly harass me by phone call almost everyday and they always collect money from me even if Im not finished with my college degree. It was agreed that i would start paying as soon as I was finished with school but nevertheless they tricked me and i have been paying my loans ever since the call started. I recently checked my credit score and it decreased XXXX point away from me just because of Navient. I have file a dispute and I'm afraid it won't be a success because i have no confirmation ID's on any of the payments. I recently paid off more than 500 dollars and my credit score will increase over time but i need this negative statement off my credit report !!!
Product: Prepaid card

On XX/XX/year> at approximately XXXX XXXX. a transaction was done at a XXXX and XXXX XXXX XXXX. The company the debit company skylight I notified them the next day I had noticed on my app that the transaction was taken place they have done an investigation and told me that it was a valid transaction how could it be a valid transaction when I live in XXXX Florida I am looking to resolve this transaction and to get my money back the amount was {$1000.00} on that day I was paid at XXXX and the money was taken out at XXXXXXXX XXXX. I did not receive a notification of the transaction all transactions on my phone any transactions that would made I would receive on my phone I did not receive a transaction of {$1000.00} on my phone I received the deposit from my company of my pay and the last transaction I had was at XXXX I had received a email somebody was trying to use my debit card or my debit number at a steakhouse I denied it I checked on my app and saw that somebody had shopped at Target and spent {$1000.00} of my money skylight does not want to credit my account for that amount I still have not received the dispute they told me 7 to 10 days so now almost a month later I am out {$1000.00} because somebody decided to use my numbers from my debit card and take two weeks of my pay I am a XXXX  XXXX XXXX XXXX working trying to get by and somebody steals my money and a debit company will not credit my account
Product: Debt collection

On XXXX I communicated with with a request to LVNV Funding provide documentation containing my signature obligating me to alleged debt they claim I owe. I XXXX XXXX and XXXX XXXX are not the same person or entity therefore LVNV Funding has violated Arkansas Code 4-59-101 ( A ) ( 2 ) attempting to collecting a debt without my having my signature. In addition LVNV Funding has violated 1592 USC ( e ) ( 2 ) a by failing to mark the 2 of the alleged debts as disputed after reviewing my XXXX credit report. Due to these violations and failure to honor my request LVNV Funding must be held accountable and collection efforts must cease, and the accounts should be removed from my consumer reports or I will proceed with litigation in XXXX XXXX XXXX XXXX XXXX for damages.