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

On Tuesday, XXXX XXXX, I was scammed out of {$990.00} while trying to buy concert tickets. 

I saw a post in a local, private XXXX page advertising for XXXX XXXX XXXX tickets for {$250.00} each. The account I was messaging ( on XXXX XXXX XXXX has posts that go back to 2012 and was the account of an actual person. I transferred {$500.00} through Zelle from my bank account for the first installment of tickets. Once that went through, the scammer said they would send me the tickets once I sent the additional money. I sent the rest of the money, and then they demanded a {$100.00} XXXX fee and I realized that I had indeed been scammed. The account blocked me. I requested the money back, but did not receive it. 

I looked at the account I was messaging with a young woman and I was able to find contact information for her father. He informed me on Thursday, XXXX XXXX, that his daughter 's account had been hacked and she had lost access to it. The scammer is using this girl 's real account to scam people. 

On XXXX XXXX, I disputed the transactions with my bank and they denied my disputes. 

I was convinced it was a real person because of the use of the account that I glazed over red flags.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate and unauthorized information relating to identity theft.
Product: Money transfer, virtual currency, or money service

On around XXXX XXXX, my XXXX XXXX account was frauded by a XXXX  in XXXX back to back transactions that totaled almost XXXX $ I received a notification and called both companies immediately with in XXXX minutes I was able to stop XXXX XXXX $ XXXX  in time. I disputed this with XXXX XXXX and my nfcu bank that funded the XXXX  transactions. I have never used any service like this I didnt no what it was. I explained this to both companies cash app would not let me do anything my nfcu let me dispute it only to deny my fraud. I ask both to explain what and why I got no response I ask them to show me a paper trail I got no response I ask for account XXXX  went through still got nothing. That was every dollar I had I am currently not able to work due to a XXXX and I was left with no money no answers and still dont no what a XXXX  is. It clearly shows money put into XXXX  I no XXXX XXXX  has to have some kind of info on clients that did fraud on my account. I feel nfcu did not care about matter because it was XXXX XXXX but they funded money a red flag should of went up with my spending history and absolutely no XXXX  or digital money in my entire history so Im left with a debt of XXXX $ that I did not take it was taken from me and no way to pay this money I actually would not even no what to buy or how to buy anything with a XXXX  item.
Product: Debt collection

I previously filed a complaint with CFPB on XX/XX/XXXX. Summit Receivables agreed to mail me documents showing what they are trying to collect and to place a " cease and desist '' on my work number. As of XX/XX/XXXX no information has been received and the phone calls at work have resumed. They are calling relatives saying I used them as a reference ( I did not ), they called different extensions at work saying they are returning my call. I work for a XXXX ( this is definitely a big no no ), and they call my personal work number at least once a day. Here is a list of times they have called to my work number alone : XX/XX/XXXX - XXXX XXXX 
XX/XX/XXXX - XXXX XXXX 
XX/XX/XXXX - XXXX XXXX 
XX/XX/XXXX - XXXX XXXX and XXXX XXXX 
XX/XX/XXXX - XXXX XXXX 
XX/XX/XXXX - XXXX XXXX 
XX/XX/XXXX - XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

After, receiving an invitation from American Express to apply for a business checking account. On XX/XX/2022 I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a business account on American Express. They claim this was a very easy process and that credit worthiness is not a factor in their decisions. I filled out the form online, and provided every document required. I was denied a new business checking, due to reasons not provided nor I never received. I sent a certified letter to the company that was signed and has a return date of XX/XX/2022 with my request that the department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes their organization civilly liable for non-compliance pursuant 15 USC 1861o , 15 USC 1640, 15 USC 1691e and have not received any response
Product: Credit card

I went online to purchase items from XXXX XXXX XXXX XXXXXXXX, but since they weren't available for pickup, I placed the order for shipping. Here are the details : Order Number : XXXX Order Date : XX/XX/2024, at XXXXXXXX XXXX 

Although I agreed to the estimated shipping time, the package wasn't delivered on time. I had to leave town, and when I returned, the package had been delivered but was nowhere to be found at my home. 

I called TCP three times, and each time the agent told me to contact my credit card company, My Place Rewards Credit Card offered by Comenity Capital Bank, which is part of Bread Financial. They also said they would not open a dispute. I have nowhere to turn except the Consumer Financial Protection Bureau. 

I informed them that I live on a busy street and we've had an uptick in porch pirates. I even offered them video evidence of the theft, captured on my neighbor 's XXXX XXXX. I asked if they would cover a replacement order and allow me to pick it up at the store, but they still said no.
Product: Debt collection

I was a victim of XXXX XXXX  and debt bondage. 
I am seeking help on my situation where my credit report reflects an outstanding debt that I strongly suspect is connected to a case of debt bondage.
Product: Debt collection

XXXX XXXX XXXX listed a collection on my credit reports that had been placed with XXXX XXXX XXXX. I requested debt verification and have not received it. I canceled service due to a move and returned all equipment to a local XXXX XXXX XXXX store. I do not owe this debt and demand that it be removed from all 3 credit bureaus immediately. I disputed this previously with XXXX and they stated that XXXX closed the account as disputed by consumer and said that they deleted any tradeline reported on behalf of XXXX XXXX XXXX XXXX XXXX Despite this, it is now back on my credit report. Delete immediately or I will pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed numerous disputes with this company and they fail to remove fraudulent reports and information on both mine and my wife credit report, furthermore they have several listings on my wife and my report that are the same and are invalid, open dates have been found to be invalid and and changed which is also illegal, 100 % of all thing s listed are inaccurate and or invalid, i have no contracts with anyone listed on my credit report, except XXXX, and as far as the law is concerned completely invalid, false documentation is filed with all reports on my credit report, i have spent thousands of dollars to have it all removed twice before, the only debt i have is my car which is almost paid in full, which is funny because they got my car listed as a chargeoff which it isnt, and ive been paying them every month on time, all other listings are invalid or illegally listed
Product: Credit reporting, credit repair services, or other personal consumer reports

My updated credit report from Equifax was reporting a lot of inquiries that are not connected to me. The inquiries posted should not be on my report because I have neither inquired nor reached out to anyone of them. If Equifax has made an extensive investigation about this, they should have removed all these inquiries. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Here is the list of the unauthorized inquiries : XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXXXXXX  Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

This stems from an alleged amount still owed to XXXX XXXX XXXX, that went into collections. XXXX XXXX XXXX had been contacted numerous times with regards to this problem of a balance that is NOT owed. XXXX XXXX XXXX repeatedly transferred me from one department to another. One would tell me it was paid, and another would tell me they had no record of it but that it must owed because it went collections. When disputing this claim with the credit agencies, I would receive no answer from one and another would say it was legitimate. Neither XXXX, Transunion or XXXX XXXX XXXX would provide me with documentation justifying the amount allegedly owed. For the last 4+ years I have been trying to get this resolved to no avail. when I changed telephone service providers XXXX XXXX XXXX would not release the phone numbers unless the balance was paid, so needless to say any outstanding balance was paid. I believe the credit reporting agencies, Transunion and XXXX, went no further than the collection agency, XXXX XXXX XXXX, to verify the validity of the claim, when XXXX XXXX XXXX, the alleged source, should have been contacted to verify the validity of the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTICED I HAVE MANY INS on XXXX INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE I UNDERSTAND THAT NO ENTITY IS AUTHORIZED TO RETAIN REPORT TRANSFER SELL USE OR ELSEWISE ANY PHYSICALLY UNCONFIRMED DATA AND IVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.OR CERTIFIED ANY AND ALL NOTATIONS, EVERY DATE, BALANCES, CALCULATIONS, AUDITS, METRO2, & ACCOUNTING RECORD,426-CHARACTER P6 STATEMENT,5 PART PERSONAL.DELETE/ BLOCK PERMANENTLY
Product: Student loan

My Loans were serviced by Great Lakes then transferred to Nelnet. They are now currently serviced by XXXX but my transferred balance at Nelnet is still currently showing on my Credit reports. My total student loans is now showing doubled my actual debt owed and has causes me to not qualify for multiple loans and mortgages I've applied for. 

I've been back and forth between XXXX, XXXX and Nelnet and have gotten nowhere to solve this issue. I'm understanding that I am MANY of victims with this issue and not many have gotten this issue resolved and I was directed to file a complaint and pursue legal action for egregious circumstances regarding a simple fix that does seem intentional. 

Lastly, a brave XXXX Representative informed me of the Full Picture how Nelnet is still reporting to XXXX XXXX while I was told on the phone by a Nelnet XXXX member that they " can't help me and that I need to talk to XXXX ''. Literally a brick wall response to something that can be solved so easily with a simple document that can be sent to me or even the XXXX XXXX they're still reporting my outdated transferred loans to. 

I hope that this issue can be resolved that way I can move forward after spending months, upon months stressing over and I will gladly publish this issue to bring more awareness and maybe my situation can help the next person dealing with this same problem. 

Thank you,
Product: Credit reporting or other personal consumer reports

Please review the attached docs. 

Please remove fraudulent items on my credit report
Product: Credit card

I am filing a complaint regarding XXXX XXXX  denial of my dispute for a charge of {$42.00} made by XXXX XXXX on XX/XX/year>. 

I had repeatedly attempted to cancel my XXXX service, including emails sent to the merchant on XX/XX/year>, and XX/XX/year>, and mid/late XXXX by calling requesting the cancellation. Despite these emails, the service was not officially canceled until XX/XX/year>. The information provided on how to cancel were not available or an option to cancel via online. Prior to that, the merchant did not process my cancellation requests, and their system did not provide an option to cancel, as indicated in their email responses.

Capital One denied my dispute, claiming the merchant had not received a cancellation request. However, I have proof of my attempts to cancel the service well before the charge occurred. I request the {$42.00} be refunded and that no further charges be applied to my account for this service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised TransUnion on several occasions that the accounts with XXXX XXXX ( Origianl Creditor : XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX and XXXX XXXX XX/XX/XXXX, do not belong to me and may be a result of Identity Theft. TransUnion has yet to prove where they got this inaccurate information and will not correct the inaccurate information. Please help me get this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter in regards to items on my credit report that was not accurate. 

There is 1 address that are not mine and was notified they were on the black market by XXXX Please remove the following addresses : 1. XXXX XXXX XXXX XXXX, XXXX, GA XXXX The following inquiries I did not authorize : 1. XXXX/XXXX. XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX/XXXX. XX/XX/XXXX Please make the following corrections to my credit report. 
Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX Bank account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights 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 permission.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$510.00} XXXX XXXXXXXX Balance Owed : {$480.00} XXXX XXXX Balance Owed : {$410.00}
Product: Debt collection

Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).

Thank you for your attention to this matter.

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, XXXX and TransUnion Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX and TransUnion Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a credit card with Citicards, and initially had a payment due on XXXX XXXX. I made the payment at XXXX PST on XXXX XXXX, however as they state it was past XXXX ET ( even though I live in CA ), a late fee and finance charge was applied. 

I paid both of those and my balance in full on XXXX XXXX, and received a confirmation email stating the payment was applied on XXXX XXXX, my due date. 

For XXXX, Citi applied a finance fee on my account. I called on XXXX XXXX to dispute this charge, and when speaking with the customer service rep, I was told because my XXXX bill was paid on XXXX XXXX, I was applied a finance fee. I let the representative know that I have an email confirmation stating my payment was applied on the XXXX of XXXX, however due to delays in banks, it might not have posted until XXXX XXXX. The customer service rep was adamant I made a late payment, however he would work with his supervisor to see if the charge could be waived. 
The customer service rep ended up crediting the finance charge, however the excuse he used was since I 've been a customer for 19 years. The reasoning should be because I made my payment on time, as noted by the automated email supplied by Citicards. That is very suspect that they note a payment as paid on time, however apply finance fees to their customers, and I suspect this is being done to other customers unknowingly as well, and are illegal.
Product: Debt collection

i had opened the account and i bought a necklace from XXXX XXXX which is the original debt. My husband at some point and went in the store and have my name and address and charged items on my acct. that i wasnt aware of. If you charge something once you do not have to show the card and id. He has since passed away and XXXX XXXX has since gone out of business. I shouldnt have to pay a debt that isnt mine and i have nothing to whow for it
Product: Money transfer, virtual currency, or money service

I received an email on XX/XX/year> from the chime support team stating that they are holding my direct deposit and they asked for proof of a name change, which i never changed my name legally. I called them the same day and they confirmed that they do have my funds and that i need to update my information. I eventually was informed that my middle name was not used for my chime account, but it was written on my check. My first and last name were the exact same for both, the spelling was correct as well. I eventually spent XXXX and XXXX minutes on the phone with them, they made up excuses, lied even though i explained i have recordings of all the calls, backtracked everytime i called them out in their lies and kept stalling time after time. That's not the worst part though, I did my research and chime themselves stated that they CAN NOT legally withhold any direct deposit for any reason. I have emails and phone call recordings where they admitted to having my money however. I eventually received my deposit later that day, however not only did they admit to illegally withholding MY money but they stated several times that they were in possession of my funds. I am not afraid to get a lawyer if needed, however i do expect some type of action to be taken against chime for this matter, what happened is illegal and i wont let it slide. Im willing to settle this without legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX XXXXXXXX  To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & amp ; 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
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* In addition, Delete all non-account holding inquiries over 30 days old.Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you,