23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I responded to the offer shown below. Instead of getting the absurd hat for free, as advertised, Ive been charged for it. Archived at archive.fo slash XXXX ( archive blocked ) This is a blatant criminal act : bait and switch advertising is illegal. 

SIGNIFICANT CALIFORNIA AND FEDERAL CONSUMER LAWS Bait and Switch - B & P 17500, CC 1770 ( a ) ( 9 ) ( a ) ( 10 ), 16 CFR Part 238 Source, links : XXXX XXXX XXXX When I tried to send a message to my credit card company - Bank of America , the messaging section of their website didnt work. I took a screenshot of that too. Attached. I was attempting to and want to open a dispute. 

Here is the full text of the advertorial+Links within, from XXXX XXXX XXXX, AKA XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FREE In XXXX  We Trust Hat {$0.00} PRICE {$0.00} Discount Only Available For : XXXX This item sells for {$49.00} on XXXX. 
So you're getting a massive discount taking advantage of this offer. 
YOU'LL LOVE THIS IN XXXX WE TRUST HAT! 
We Are Now Offering FREE In XXXX We Trust Hat For A LIMITED TIME ONLY! Claim it Now! 
Highlights : XXXX 100 % brand new and high quality. 
XXXX XXXX XXXX XXXX ORDER yours TODAY while supplies last. 



XXXX XXXX All orders are fulfilled from our warehouse in Colorado on average within 24 hours. Once shipped we'll send you a tracking link. Your items will be delivered by XXXX, XXXX or XXXX and should arrive in under 7 business days OUR GUARANTEE At XXXX, we truly offer the most stunning, trendy highest-quality products in the world. 
We will do WHATEVER it takes with outstanding customer service support to assist everyone as we highly value our customer satisfaction with absolute ZERO risk. 
We make sure that every customer is 110 % satisfied in every aspect with 24/7/365 FAST SUPPORT!

FOOTER MENU Privacy Policy Refund Policy Terms & Conditions Clickbetter Support CONTACT US XXXX This site and the products and services offered on this site are not associated, affiliated, endorsed, or sponsored by XXXX, XXXX, XXXX, XXXX, XXXX or XXXX nor have they been reviewed tested or certified by XXXX, XXXX, XXXX, XXXX, XXXX, or XXXX. The typical purchaser does not make any money using this system. XXXX does not guarantee income or success, and examples shown in this presentation do not represent an indication of future success or earnings. The company declares the information shared is true and accurate. 
Copyright Disclaimer under Section 107 of the copyright act 1976, allowance is made for fair use for purposes such as criticism, comment, news reporting, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favour of fair use.
Product: Credit reporting, credit repair services, or other personal consumer reports

Above, we have already reached an agreement upon settlement with a letter of deletion and they are now refusing to provide the document of letter of deletion. Settled on XX/XX/2021 and is still on your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX/XXXX  Inquiry Date : XX/XX/XXXX XXXX
Product: Debt collection

I contacted this company via US certified mail to request them to validate thier debt. The company failed to respond and has not validated their claim.
Product: Debt collection

This agency/ debt collector is violating your consumer right by using false misleading, misrepresentation, and deceptive means. I'm either entitled to {$1000.00} for every violation I have listed, or they can delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX had a fraudulent account started in my name. I have contacted them numerous times and they have not answered any of my phone calls or emails. I also talked to experian, today and they said that they are going to look into this, and no more than 5 minutes later I got an email stating that their investigation was complete.
Product: Credit card or prepaid card

Capital One authorized my balance transfer request which took 2 months for my credit Union XXXX XXXX to cash incorrectly to unclaimed funds account as Capital one registered the incorrect information. The Routing # was entered into the Account # data field on the online application by mistake and Capital One accepted a 9 digit input as a valid Account #. No one at capital one could figure out the issue when I called after I was charged on XX/XX/XXXX. I waited 14 days after Capital One explained the length of time it takes to mail the check to my current credit union. I called around 6 different times and spoke to at least to 8 different reps as no one from customer service followed up with me on resolving the issue. A balance transfer investigation was initiated and then closed internally. XX/XX/XXXX the Capital One rep said the stop payment wasn't sure why the investigation was closed and that assumed the stop payment was successful. She told me she would call me back and leave a voice message with an update after getting with the investigator. No one called me back. It is now XX/XX/XXXX and finally I called and was told by someone new that XXXX XXXX XXXX deposited the check. After waiting 40 minutes as I asked to receive that in writing ( they can only issues LETTERS via mail ) Capital One hung up on me. I called again and immediately I was transferred to the balance transfer department but with a SUPERVISOR this time named XXXX. She was awesome but its taken me 8 reps, 6 calls, two transfers and so much stress resolving this. XXXX checked me application and asked me to confirm the associated accounts which was WRONG. My routing was used as the account number field. Why didn't the application reject a shorter digit number into the account field? Why didn't capital one offer to get onto a three way call 2 months ago with my credit union to figure this all out. Now I as the customer have to get on a call with my credit union to ask for them to check " unclaimed funds '' deposits. I had no idea what was even allowable for a credit union to deposit a check to a non existent account. On one call Credit Union rep apologized and said alot of their balance transfer requests were encountering issues and now I realize why. Terrible customer service, poorly developed applications on the web, mishandled investigations, lack of communication and little care for the customer.
Product: Credit reporting or other personal consumer reports

The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX - XX/XX/year> ; XXXX XXXX XXXX XX/XX/year> and XXXX XXXX - XX/XX/year>. I demand the deletion of these inquiries from my XXXX report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter
Product: Credit reporting

I canceled my account before payment was due, yet XXXX still billed me for the next month.
Product: Checking or savings account

I received suspicious bank statements from XXXX XXXX, XXXX, and TD Bank regarding an account. I do not recall opening accounts with any of these institutions. 

Some of these were sent to my old house address, which I have personally not lived in or requested mail to be sent there, in over 10 years. 


I do remember once in early 2021, I was applying for government loan repayment for working in an approved health center location, and I would receive suspicious calls requesting information in order to 'complete my application ''.
Product: Credit reporting or other personal consumer reports

The consumer reporting agency Experian is in violation of 15USC 1681i ( 5 ) for knowingly reporting data that has been proven to be inaccurate, incomplete and unverifiable data on my consumer report. I was not notified with the description of their investigation results as per 15USC 1681i ( 7 ) into such inaccurate data listed in my notice sent ( attached to this complaint ) to Experian that must be removed due to the accounts violations of 15USC 1681 ( B ) - 15USC 6802 ( B ) - 15USC 1681 ( 2 ) ( a ) ( i ) - 15USC 1692 ( g ) and 15USC1681i ( B ). The nature of my dispute demands removal of all the inaccurate data listed in my notice.
Product: Debt collection

Coastal Credit LLC Is reporting a auto loan of {$19000.00} to the Credit bureaus XX/XX/2020 as a collection/charge-off. I also have received a letter saying I am past due in monthly payments. I do not owe this debt. I have not received any verification of ownership, auction of vehicle, invitation to come to the auction to retrieve vehicle. I also have not received any official loan agreement that says this belongs to me. This unidentifiable error has caused me hardship and cause my credit score to steadily drop.
Product: Credit reporting or other personal consumer reports

I cheeked my report an I have unauthorized inquiries that I didnt apply for I sent letters to XXXX XXXX XXXX Experian I told them I did not inquire for anything an they still havent removed these inquiries from my credit report
Product: Checking or savings account

I submitted a complaint already for this issue to review under regulation XXXX : XXXX I would like to reopen this case or start a new complaint. SoFi in their responses prior to this complaint submission, and in the complaint response, completely ignored the fact that I reached out to their customer chat service to seek support cancelling the payment as soon as it was noticed on XX/XX/XXXX. 

I attempted to seek support to cancel the unauthorized payment far before XX/XX/XXXX. I also tried calling their support line but it was closed for the holidays. 

I even noted to SoFi that someone in my family likely took my phone and made this payment without my authorization, which is what I provided as new facts in my follow up. SoFi noted that the phone was used from a similar location and using my credentials, that does not change the fact that I do not know who the recipient is and never authorized sending a payment to that recipient. I can not obtain additional facts beyond what has been provided, I am not a detective.
Product: Money transfer, virtual currency, or money service

It was XXXX XXXX 2023 that I was scammed with the " XXXXXXXX XXXX '', where the scammer claimed to be hearing impaired and could only communicate through text. The scammer wanted artistic services and hired me. She sent me various checks with high amounts that we didn't agree upon and when I took the right one to deposit, it bounced and the bank is sending it back to me. The scammer tells me to send them half the money back because the project was cancelled and they needed the money immediately. I didn't know it was scam until it was too late. I had sent {$3000.00} to the scammer via XXXX through a relative 's account between the dates of XXXX XXXX because I didn't have the money to pay.
Product: Credit card or prepaid card

On XXXX, booked a flight from XXXX, Fl to XXXX XXXX, Tx using my BofA card ending in XXXX. That transaction was processed without incident and the travel occurred. 

On same day, XXXX, I booked a flight from XXXX XXXX, TX to XXXX, FL using the exact same card ending in XXXX for travel @ XXXX XXXX on XXXX. Now all of the sudden XXXX claims there is a problem with card XXXX  XXXX from BofA verified the transaction was in fact valid and that XXXX was paid in full as to the price of the ticket. 

XXXX is engaging in fraud and a cover for political reasons and at the behest of political allies in XXXX XXXX Texas. This behavior has me stranded at the airport. This was planned as they know that I only had available money in the account to cover the original ticket, so even though the money has been collected which BofA ( XXXX ) verified, XXXX is telling me to purchase another ticket knowing that I do not have the available funds to do so. This is also entrapment with the intent to cause financial injury via XXXX political friends for complaining of government fraud and a cover up :
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and so on.
Product: Prepaid card

I received a {$100.00} AmEx Gift Card as a GIFT. It specifically says " FUNDS DO NOT EXPIRE '' and has an expiration date on the card of XX/XX/29. I struggled to use it at the grocery store today- with a long line of people behind me. The cashier kept saying that she had never seen the error that was popping up. -If the error said " insufficient funds '' /etc, I might have assumed that someone had " stolen '' the money from the card/etc. I called the AX number on the back of the card while at the store on speaker, I entered the card number and security code, the automated assistant said there was a problem with the card and I needed to check the funds online. I came home and did just that. -I got an " unknown error '' message - no explanation of what the problem was. I called and finally got through to a person, I told them what was happening. After several minutes on hold, the agent came back and said that the money had become " Unclaimed Property '' with the state. WHICH State?! -Wherever you bought it. I didn't buy it- it was a GIFT! I have other gift cards that I received at the same time - ( XXXX, etc ) and they all work just fine. Is this real? Who is running this scam? -Is this AmEx running a scam? -Or are states truly seizing anonymous gift card money? -That is impossible to re-claim - because it's not registered under anyone 's name?
Product: Debt collection

XXXX XXXX XXXX, Colorado, allegedly purchased my credit card debt from Citibankn in XXXX. I defaulted in XXXX. I received one letter from an attorney representing XXXX XXXX XXXX  then a month later a suit was filed against me in XXXX. I never received any documentation showing proof of the debt purchase. Out of fear, I didn't attend the hearing. A default judgement was issued and the judge awarded 27.24 % interest based on a sample credit card agreement presented by the Plantiff. It was not my credit card agreement. I wasn't informed of the decision to award 27.24 % instead of the statutory rate of 8 % for Colorado. Shortly thereafter the case was assigned to another attorney. That attorney firm, XXXXXXXX XXXX XXXXXXXX, called me at work and harassed me attempting to scare me with the amount increasing rapidly. Despite my calls to XXXXXXXX XXXX XXXXXXXX attempting to settle the debt when it was XXXX XXXX they refused every offer I made and never gave me a counter offer. They made no real attempts to settle for anything but less than the full amount. ( the default was XXXX XXXX ). Then they stopped contacting me all together. I didn't hear anything again from them since XXXX. In XXXX they revived the judgement at XXXX XXXXXXXX but still made no attempts to settle. In XXXX, my case was assigned to yet another attorney. This current attorney also asked me if I could make payments or an offer. I did and he didn't accept it. I didn't hear anything from him until a year later when he requested the judgement be revived. The judge awarded the revival to the Plantiff and now the debt is XXXX XXXX. This attorney has vowed to continue to revive and pursue judgement for as long as it takes. My major complaint is that I believe with collection efforts being minimal and refusing to accept any offers, they were intentionally building interest as they knew that at that rate, this debt could escalate to a significant amount of money, and it has. I believe this was a strategy and intentional hoping that they could capitalize on any potential assets I may have at a later date. I believe this to be a very abusive practice, not only refusing every offer I made but no contact for over 10 years. The judge in the revival hearing even mentioned that he believed this is what happened, without my even prompting him. I am now in a position where the debt they're pursuing isn't even realistic and they are continuing all of their collection efforts, including a garnishment of my wages. I can't even believe I'm in this position as I made multiple attempts to resolve this many years ago. The current attorney has vowed to continue collection efforts for as long as it takes. Meanwhile, the interest is accruing as I type this and I am now at a point that reaching an agreement that is within my means is impossible, even 30, 40 or 50 % of what I'm showed owing isn't a realistic goal for me.
Product: Mortgage

Citi Mortgage Started as ab line of credit, economy crashed and started to have financial difficulties. We received a letter from Citi Mortgage stating they were closing all lines of credits and had to pay it off, or convert to mortgage. We had no choice.
My husband and I started the paperwork seeking loan modification and we also made a large payment to catch up. We thought we would finally have our modification completed by now. It has been about 1 1/2 years by now.
They keep asking for more and more information to submit, resubmit over and over again etc. We are hoping for the relief this modification will bring us.
I am a 12 year XXXX XXXX  survivor and the stress dealing with Citi Mortgage is causing such stress.
XXXX XXXX XXXX 2XXXX XXXX XXXX XXXX, N.J. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SKOCKED TO KNOW THAT I HAVE BEEN A VICTOME OF IDENITY THEFT. I FOUND NUMEROUS CLOSED ACCOUNTS ON MY CREDIT REPORT THAT WAS NOT OPEN BY ME. THIS HAS BEEN HURTING ME AND MY CREDIT REPORT AS I AM IN THE PROCCES OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE ALL FRAUDULENT CLOSED ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE XXXX XX/XX/year> ACCOUNT NUMBER XXXX, XXXX XX/XX/year> ACCOUNTNUMBER XXXX, XXXX XXXX XX/XX/year> ACCOUNT NUMBER XXXX, XXXX XXXX  XXXX NUMBER XXXX. I AM ALSO ATTACHING MY DRIVER LICENSE SOCIAL SECURITY IDENITY TEFT REPORT AND UTILITY BILL. 
POSIBLE. 

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

I have been disputing my personal information since XXXX for inaccurate information and they refuse to delete the inaccurate information. I want all inaccurate information deleted immediately. 

XXXX is reporting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  is the only one that had deleted the inaccurate information.
Product: Debt collection

XX/XX/18 XXXX XXXX from ARA called my daughter and told her about a debt that I owed. After she requested that he send something to validate the debt to her email. He sent a settlement contract which was only one sheet of paper and a certificate of license from Illinois. She called him again and said that's not what she requested. She asked that he validate the debt so we can settle the matter. He said she can request a validation all day but that I owe this money. He gave her my full social security number and told her that I had enough assets and would not claim bankruptcy. Finally, she told him, I just want you to validate this 11 year old debt you're claiming he allegedly owes. He said I will see you in court. I was nowhere near my daughter at the time to authorize him to give her such information, especially my full social security number.
Product: Checking or savings account

On Wednesday, XX/XX/XXXX I got my direct deposit $ XXXX I went to sleep my account had $ XXXX XXXX my phone kept notifying of XXXX woke up to over XXXX transactions XXXX after the other from a XXXX company. I have nothing to do with XXXX. the bank itself called Cash App notified me that they had seen suspicious activity on my account and if it was me I answered and replied back no that it wasnt me.They had taken {$230.00}. I can never speak to nobody, and when I do speak to them, they all give me a generic message. I worked so hard for my money like every other XXXX and I live paycheck to paycheck. Now my bills will be behind because of this accident that I had nothing to do with and all they tell me is that I have to wait 45 days. And nobody wants to talk to me, I dont know what else to do. I shouldve never put my money into that company please can somebody help me I can explain myself better on the phone thank you, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX for the amount of {$7100.00}. I have disputed this account with XXXX, TransUnion and XXXX. Once again XXXX XXXX XXXX has not responded to my debt validation and this would be a violation of the FDCPA, FCRA and XXXX
Product: Mortgage

I have had consistent payment history for over 3.5 years on my mortgage with wells fargo through a property that I own in Missouri until just recently. In XXXX, there was an issue that an automatic payment was drafted through my XXXX bank account from Wells Fargo, yet Wells Fargo after conducting an internal inquiry, says that they never received the funds. This issue caused several overdraft and late payment fees. Then again, this month.. The total draft amount is {$1400.00}, and this attempted to process on the XXXX of this months where I had the funds in my normal account, yet their attempt to draft resulted in a NSF fee and late fee stating that there was n't enough funds to process the transaction.. When my bank records clearly show that there was over {$2800.00} in the account at the time that the draft was attempted. This month I received a letter stating that I have not submitted my mortgage payment, then the next day I received my mortgage statement with notification that my payment was received. 

This XXXX instances have caused multiple associated fees and charges exceeding $ XXXX {$200.00}, in addition to the mortgage payments in question.