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

On XXXX the XXXX my girlfriend and I were scammed by people pretending to be apple support. My girlfriend went on the apple website to get a number to call the apple company about a charge on her account. When she called the first person, she informed her that her apple account was not safe and that people were going to hack into it unless it was protected. This women had information about my girlfriends account that made it seem like she was actually apple support. She told her that she had to secure all her apps that was involved with money because the women told her that someone was using her apple account to spend money on from XXXX and XXXX she had to secure each app that involved money. Which was her chase account, cashapp and other apps. When it came down to cashapp the women told her that someone needs to send her money for the process to continue. I was unsure to why she needed the money but she was playing as a apple person like I said and knew information about my girlfriends account that made us believe she was real. Throughout this whole process we kept being told we would get our money back. We spoke to two other " apple support people '' that said all the money would be returned and it never was. My issue is that I called my bank Capital One and told them that the money that was taken out of my account was not sent but it was wired to the people that scammed us. I did not authorize any of those chargers that was given to those people and I told them that they made it look like the money was sent to my girlfriend but she has proof in her XXXX account that she never got any of that money from cashapp. Plus we have the screenshots showing that a good deal of the money was transferred to these different people through cashapp but it does not appear on our bank accounts ( which goes back to my point of them making it look like My girlfriend and I are sending money to each other. ) The amounts that I want back is {$680.00}, {$700.00}, {$790.00}, and XXXX since I never authorized these charges and it was wired to these people without my permission. I called my bank but they are making it extremely challenging to get the money back despite me having all the proof and evidence to pack up my claim. Plus I never disputed any charge or filed a claim before for as long as I had my account so I do not need to lie. If I am scammed with evidence and proof that these people scammed us that should be enough but the bank said that since it was completed there was nothing they can do. I never approved of these charges being taken out and given to these people and my bank is making it hard for me to get my money back for no reason. Even XXXX gave my girlfriends back her money after this scam but my bank won't and I feel like that is unfair especially due to the circumstance and the facts that I have evidence to prove it. ( I sent all the evidence over to the bank when I filed my compliant before so they should have everything already ).
Product: Mortgage

We were offered a trial plan by Caliber Home Loans and we messed up the date of the last payment and because of that they said we are ineligible, they call it trial plan default. So they sent us a letter saying we could re-apply meaning start the process over again and we had until   XXXX   XXXX   XXXX  .
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So last weekend Memorial Day Weekend, when we could not talk to anyone until Tues.   XXXX   XXXX   XXXX  , we received several letters from   XXXX   XXXX   in  XXXX  , MA   XXXX   telling us that our house will be auctioned off for sale on o r after    XXXX   XXXX   XXXX  . The phone number for  XXXX  is   XXXX   the fax number is  XXXX .
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In the meantime we met with our HUD Counselor and re submitted all our forms back to Caliber Home Loans to apply for loan modification all over again. I am truly afraid we have no place to go.
Product: Credit reporting or other personal consumer reports

I have been the victim of Identity Theft, and have filed an Identity Theft Affidavit with the US Federal Trade Commission, FTC, FTC Report Number XXXX, herein attached, dated XX/XX/XXXX, concerning certain fraudulent items on my TRANSUNION CREDIT REPORT that do not belong to me, and are the result of Identity Theft. 

Those fraudulent items on my TRANSUNION CREDIT REPORT that do not belong to me, and are the result of Identity Theft and fraud, are as follows : XXXX ) An XXXX XXXX Credit Card, opened on XX/XX/XXXX, Account Number XXXX, Total Fraudulent Amount Charged {$220.00} XXXX ) A XXXXXXXX XXXX XXXXXXXX, opened on XX/XX/XXXX, Account Number XXXX, Total Fraudulent Amount Charged {$3500.00} In addition to the above 2 fraudulent items on my TRANSUNION CREDIT REPORT that do not belong to me, and are the result of Identity Theft, there are also 6 Hard Pull Inquiries on my TRANSUNION CREDIT REPORT that do not belong to me, and are the result of Identity Theft, which are as follows : XXXX ) XXXX XXXX XXXX made on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX made on XX/XX/XXXXXXXX XXXX XXXX XXXX made XXXX XX/XX/XXXX XXXX ) XXXX XXXX made on XX/XX/XXXX XXXX XXXX XXXX XXXX made on XX/XX/XXXX XXXX ) XXXX XXXX made on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to XXXX XXXX on Thursday XX/XX/XXXX in regards to my outstanding lease term balance of {$2900.00}. I asked the representative to get me on payment plan to payoff the remaining balance, I was told that XXXX XXXX does not offer any payment plans and that the balance would have to paid in full by XX/XX/2019 or my account would go into collections and be reported to all the major credit bureaus as a collection.The {$2900.00} is a significant amount to be paid in one payment and the repercussions for not making that making are quite severe, this would have serious impact on my credit score. I want to pay my balance however I need a practical payment plan in order to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX are all reporting fraudulent accounts on my credit report. these need to be removed immediately. I have attached the copy of the police report for fraudulent accounts on my report. there are two accounts showing with the creditor being XXXX XXXX XXXX XXXX XXXX there are two accounts with the same balance which is {$310.00} each. One of the accounts is reporting from XX/XX/XXXX, and the other is reporting from XX/XX/XXXX. Please have all bureaus remove these accounts from my credit report immediately. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on credit account from XXXX XXXX XXXX XXXX. I never shopped a car from this company or ever looked from financing from this company. 

In accordance with the fair credit reporting act 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH 3 BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND 3 BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX open date XX/XX/XXXX. 

XXXX XXXX  open date XX/XX/XXXX. 

XXXX  XXXX open date XX/XX/XXXX. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C ( A ) ( 5 ) section states no consumer agency may take any consumer report containing any of the following items of information and/or any other adverse idea of information, other than records of convictions of crime which indicates the report by more than 7 years.

15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer through any 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

They basically told me that the hard inquiries need to be removed from creditors that they authorized them i explained that i never requested the hard inquiries or credit pulls from those dates mentioned but they stated that they will eventually after a year or so will be removed on there own and i wish to have all the hard inquiries from the time period of XXXX XXXX 2017 until XXXX XXXX 2017 removed ASAP from XXXX, Experian, and XXXX Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX- This is a complaint against the XXXX XXXX which I was never able to use even once. I spoke with their employee ( s ) but I can't remember their name ( s ). They had my ID during the whole process. I was offered gifts such as cruise, trip to Hawaii, free points, etc which I never received except for a brochure, that's all. They told me I was actually making a good financial investment and promised things would be positively different each time things got worse. The person I dealt with kept going back to mgt and they would come back, like they were actually getting an approval in order to grant me the price being offered and then I get pressured & rushed when they said it's my last chance at the lowest price. Everything was felt rushed especially when they didn't even gave me ample time to read through the contract and understand it's contents so I can make myself fully aware of what I'm getting into. I was XXXX XXXX XXXX at the time, I felt my age was taken advantage of and was used to put pressure on me easily. They also had me open a credit card for this. I wasn't properly educated of the whole cancellation process, there were information that were withheld such as not informing me as to how many days to cancel. I'm having financial difficulties due to this timeshare especially right now with the situation we have on Covid, and having this timeshare just makes it worse and hard for me. It's been very stressful having to deal with this and any questions I try to ask, I can never get anyone to talk to & they never call back to provide assistance. This caused me work stress, issues like possible closure of school and unemployment. I even lose sleep over the stress of this timeshare because it was a huge mistake, and it only worsen my situation since I am the only one paying. I was never able to use this not even once, all I got is being stressed out ever since I had this timeshare. I was simply defrauded, lied to and was taken advantage of.
Product: Mortgage

I bought home on XX/XX/XXXX.Today after 14 months i got 4th transfer ma mortgage to another company.I have no idea that this is legal.But with latest company XXXX   i have issue. 
On or about XX/XX/XXXX I have send mortgage check to them.Up today the do not cash this check.I am worry about consequence.I have sent to them email but, did not answer. 
Could you help me please.
Product: Debt collection

I have a {$5000.00} collection letter from a collection company that mission real estate out of XXXX California sent them. I left an apartment in XX/XX/XXXX with nothing owed and received a {$5000.00} collection letter in XXXX almost 3 years after the fact after coincidentally getting into an argument with the manager at XXXX XXXX XXXX. This is a fraudulent {$5000.00} debt and has no merit this collection was done to me out of spite because they know i can't afford an attorney and this collection company " HUNTER WARFIELD '' out of XXXX Florida is fraudulent why else would a collection from XXXX, ca be sent to Florida? I'm sure nobody else would but this collection because there is no reason behind a {$5000.00} bill. Its kept me from being able to rent anywhere this year when i started looking for housing.
Product: Money transfer, virtual currency, or money service

when i first downloaded cashapp in XXXX of XXXX, they sent me a card that would always decline in every store no matter how much money i had on it. i had to reorder 4 cards to fix this. then they got to where they started blocking payments that my mom would send me. then it got to where they wanted me to pay XXXX XXXXXXXX {$20.00} just so i could get the money my mom would send me. then in XXXX or XXXX of XXXX, my cousins boyfriend had went on my cashapp and stole money from me and cashapp wouldnt do anything about it.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number Last XXXX : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a business credit card opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a business credit card opened with XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a business credit card opened with XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a business credit card opened with XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, and a personal credit card opened at XXXX XXXX  on XX/XX/XXXX under account number XXXX, a personal credit card opened with XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a personal credit card opened with XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX  XXXX opened on XX/XX/XXXX under the account number XXXX, an auto loan opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, A utility account opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a collection account opened with XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a collection account opened with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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. 

DEPTEDXXXX XXXX Balance : {$4300.00} DEPTEDXXXX XXXX Balance : {$7600.00} US DEPT ED XXXX XXXX : {$5800.00} US DEPT ED XXXX XXXX : {$6900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring your attention to the accuracy and completeness of certain information that has been reported about me. 

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 -Equifax 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

This is my NUMEROUS 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 accounts 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 : XXXXXXXX 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
Product: Debt collection

Upon pulling my credit report I noticed Ally listed which is inaccurate. I requested the debt to be investigated on XX/XX/XXXX and received a prompt response on XX/XX/XXXX only stating " we have researched our records and have determined that the information is correct '' with a bill of sale no proof of the debt. On XX/XX/XXXX, I sent another letter to requesting more information on how this was researched and to please forward all correspondence to me directly about this debt with no response within their 30 day response time frame.
Product: Credit card or prepaid card

XX/XX/2022 Filed a dispute regarding a duplicate charge of {$260.00} XX/XX/2022 Merchant contacted XX/XX/2022 Merchant responded receiving complaint XX/XX/2022 Merchant denied responsibility XX/XX/2022 I sent documentation stating merchant agreed it was a duplicate charge and agreed to refund. 
XX/XX/2022 Dispute reopened After not hearing from the bank, I contacted them the end of XXXX. 
XX/XX/2022 Bank contacted merchant
Product: Credit reporting or other personal consumer reports

I took a look at my credit report and saw there were XXXX hard inquiries that i did not approve or apply for which violates my consumer rights under 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not in initiated by a consumer and i want these removed because they have a negative impact on my report and is stopping me from getting lines of credit XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I was looking for the perfect credit card to apply for and due to the positive feedback on reviews as well as from many clients and friends of mine that hold the card I applied for a Capital One Quicksilver credit card especially since those I spoke with all had at least {$10000.00} credit limit which was exactly what I was looking for. Keep in mind my salary is more than 400 % of those who hold the Capital One Quicksilver credit card with their {$10000.00} limit. As such, I expected at the very least a {$10000.00} credit limit and wouldnt be surprised if it was more close to {$30000.00} since I had such a credit card limit in the past when I was making half of what I do now. With a very good credit rating as well as a DEEP six figure income with no substantial debt this was a very realistic outcome. So when the Capital One Quicksilver credit card came it didnt show the credit limit in the paperwork. I activated the card and as far as what I thought I saw was a {$10000.00} limit because anything less than that would be ridiculous considering my impressive financial qualifications. The first time I went to use the Capital One Quicksilver credit card it was on a larger than normal purchase of a few thousand dollars. To my surprise and total embarrassment, the purchase was declined. I downloaded the Capital One app and logged in to see why my purchase was declined.and there it was, the app stated my credit limit was only {$1000.00}!!!!! I was in total disbelief. I tried numerous times to get a hold of Capital Ones Customer Service to get answers as to why my credit limit is so low yet have consistently stated they are experiencing high call volume even when waiting I get disconnected thus going thru this platform. So here I am making more than 82 % of people in this country with no substantial debt except for monthly living expenses and I am insulted with a {$1000.00} credit limit? I had a higher credit card limit when I was XXXX XXXX XXXX with a paper route! What is even more disturbing is the average Capital One Quicksilver credit card limit is between {$5000.00} and {$10000.00}. My financial qualifications are ABOVE average yet I receive a BELOW average credit limit. The bagger at my local grocery store who makes minimum wage has a {$5000.00} credit limit!!! This is beyond degradingas a highly successful XXXX  with XXXX XXXXr XXXX and several XXXX XXXX. The whole point of getting this card was to be able to have access to a higher credit limit.
Product: Bank account or service

I received XXXX overdraft fees to my bank of america checking account. I made sure to check my balance before sending EVERY payment I made, yet I still magically received XXXX overdraft fees yesterday. I have had this problem before, but the cause never dawned upon me until today. 

I received over XXXX charges to my checking account from bank of america dating back to XXXX XXXX on XXXX XXXX! It did n't matter that my " Available balance '' was fine when I made each and every transaction. It turns out that my " Actual '' balance that differs from the on screen balance was hit with charges from last week YESTERDAY, which made me go below zero and receive x2 {$35.00} overdraft fees. 

I was n't informed of the reasoning until I called into Bank of America and was informed that it 's out of their control when other companies decide to post their transactions. I was n't aware that various companies ( XXXX, XXXX and XXXX XXXX XXXX XXXX ) could mysteriously decide to post their transactions dating up to a week back all on the same day. I smell something fishy.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration regarding a collection account that is inaccurately listed on my credit report. I am grateful that you were able to remove the item that I previously disputed to your agency but your company continues to report an erroneous entry that affects my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX