23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had and account with mercedes-Benz and made e transfer on XXXX from me to my friend XXXX XXXX, i am proveviding proff of that in this report,,,,, ,This auto is not mine this is a mistake ....
Product: Credit card

A buyer has purchased a watch from me online and paid with a Chase credit card. Transaction amount was {$5800.00}. I have mailed the item to the buyer 's billing address with XXXX tracked service. A buyer 's signature was obtained by XXXX at the time of delivery. Chase - the bank-issuer of the buyer 's credit card - initiated an unauthorized transaction request. I have provided XXXX ( my account holder ) and XXXX supposedly forwarded to Chase all the requested transaction and shipping records, which clearly shown that I have mailed the product to the buyer 's billing address and buyer has signed for the package and XXXX checked his government issued picture ID on delivery. 
In about a month Chase reversed the original transaction and has received {$5800.00} back without any explanation!!!! 
XXXX reps confirmed that as a seller I HAVE SATISFIED all requirements for the involved transaction. XXXX reps also confirmed that the buyer 's bank ( Chase ) HAS NOT provided any information regarding the case. The buyer 's bank has to provide NO information on the transaction in question and XXXX would transfer money to the bank EVERY TIME the bank asks REGARDLESS of the evidences a seller provides. They specifically stressed this would happen EVERY TIME. 

Unauthorized transactions happen, but responsibility and risk have to be shared between the seller/buyer and banks of the seller/buyer. For transactions such as mine - when item is shipped to the buyer 's billing address ( recorded and confirmed by the buyer 's bank ) with buyer 's signature and ID check on delivery - the responsibility has to be clearly on the buyer and buyer 's bank, and not on the seller. Otherwise, ANY buyer can use his credit card and order ANY item online without a need to pay for it, regardless of what evidence the seller provides and regardless what the seller does. 

This practice is very unfair to online sellers and very dangerous for the credit card industry. I expect Chase to deliver the funds {$5800.00} back to my XXXX account and deal with the buyer directly. 

I 'm attaching the transaction records so that the bank can identify the transaction. Here are the transaction details : Buyer 's name : XXXX XXXX Buyer 's adddress : XXXX XXXX XXXX, XXXX XXXX, California, XXXX, United States Buyer 's Phone : XXXX Transaction date/time : XXXX XXXX 2015 XXXX Buyer 's IP address : XXXX Transaction ID ( it 's XXXX or CC trancation ID ) : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an authorized User account on my Equifax credit report. This is a charge-off account, therefore negative, that I am not financially responsible for due to me being an authorized user only ( shows that in attached Equifax Credit report ), and I disputed this item with Equifax and XXXX. XXXX deleted this charge-off account from my credit report IMMEDIATELY ( see attached XXXX dispute results and XXXX credit report ), and Equifax did nothing, only verifying the item belongs to me. ( See Equifax Credit report and Equifax Dispute Results ) Please remove this negative item from of my report immediately. I have attached also excerpts from both Equifax and XXXX websites that further say that authorized users are not responsible for debt.
Product: Checking or savings account

On XX/XX/XXXX I went to the bank & while I was there I dropped my debit card. Since the bank is not too far from my house when I returned the debit card was still there. Two days later I receive a notice that my banking account would be close and I am not in the negatives XXXX. This is not the first time Wells Fargo has allowed a customer to be scammed. The Wells Fargo system allowed a faulty check to be deposited in my account. They sent me no notification on fraud or even put a hold on the check as any bank would do. They allowed a faulty check to be in my account & they refuse to reimburse me for the money taken out of my account that i did not USE. I believe the men in the back of me in the line for the atm used my card. Wells Fargo does not protect their customers at all.
Product: Money transfer, virtual currency, or money service

I attempted to log into my XXXX mobile wallet on the Blockchain.com app on XX/XX/XXXX, using my correct email and password credentials. The app prompted me to click a verification link in an email to complete the login, but I never received the verification email. I checked my spam and junk folders, confirmed the email address was correct, and tried multiple times since then, but no email arrived. Ive been unable to access my account for over XXXX months as of XX/XX/XXXX, leaving my XXXX funds, amounting to XXXX XXXX ( ~ XXXX XXXX ), locked in the app. 

I first contacted Blockchain.com support through their website on XX/XX/XXXX, submitting a ticket to report the issue and request assistance. They responded suggesting I check my spam folder ( already done ) and wait for the email, but offered no further solution. Over the next XXXX months, I reached out to their support team XXXX times, including follow-up emails and additional tickets, attempting login each time and even trying different devices and internet connections, but the verification emails still didnt arrive. I also requested they change the email associated with my account, providing necessary details, but received no confirmation or resolution. Supports responses remained generic, with no progress after XXXX separate attempts to get help. 

The company has not restored my access despite my persistent efforts, and my XXXX XXXX remains inaccessible. Ive been locked out since XX/XX/XXXX, without a clear explanation or fix, despite following their troubleshooting steps and contacting them repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to letter dated XXXX XXXX ( XXXX XXXX XXXX XXXX Account ending in XXXX XXXX Reference Number : XXXX ), My XXXX XXXX limit was lowered from XXXX to XXXX.I was never sent a letter telling me my XXXX account was lowered.I found out my XXXX credit was lowered when i used it at the the XXXX auto XXXX for XXXX XXXX.That was embarrassing.In the letter dated XXXX XXXX, It states on XXXX XXXX my XXXX was converted to XXXX XXXX with terms and conditions.I never received any paper work, terms and conditions, or opt in/out paper work, etc..It also states in letter dated XXXX XXXX, '' This was a business decision and there was no opt out option for our customers. 
Please accept this letter as confirmation that this was a change in the account number and available purchasing options, but it is not considered a new line of credit '' .I do not accept this letter as confirmation on change in the account number.Recently, i called XXXX XXXX and spoke to customer service and spoke to " XXXX '' CSR , and i stated to her to produce all letters to me for XXXX XXXX XXXX XXXX, XXXX lowering credit limit, etc., that was sent to me and XXXX stated that she cant produce that info to me.Also, there was no letter sent to me in XXXX citing closure of account.I totally disagree with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows up on my credit report. This is not my account. 
Here is the information listed : XXXX XXXX Account # XXXX, opened XX/XX/21
Product: Mortgage

I have a mortgage where I pay the insurance and taxes separately. Freedom Mortgage has charged me separately for insurance that I don't need and is charging me late fees. When I contacted them, they indicated they needed insurance verification to wave their policy and late fees. I've provided the documentation, both by uploading the verification and by sending directly to an associate in their insurance department. The insurance department indicated the issue would be cleared over night. It's now several days later and the issue isn't resolved. When I call, they no longer can give me a reason on why the issue isn't taken care of. I'm still being charged for insurance and late fees for an insurance policy I don't need. I've escalated the issue to XXXX XXXX ( id # XXXX ). XXXX XXXX is now telling me I owe a mortgage payment for XXXX as well that I've already paid ... and I can see in there website that I paid it an It's cleared my bank account. I don't know what else to do, so I'm filling this complaint.
Product: Consumer Loan

In regards to Collections Efforts, Mariner Finance continues to call my parents residence although they have been informed numerous times that is not my phone number and that they are not to call that number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transactions are not information related to any transaction by me the consumer. 



DELETE OR BLOCK THE FOLLOWING ACCOUNTS : XXXXDEPT OF ED, DEPT OF EDUCATIONXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I. 

Experian you are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$570.00} ), XXXX XXXX  XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$6400.00} ), XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX XXXX. ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover card has been using my information to file inaccurate reports at the credit bureau. I trusted them with my information and what they have done for months is abuse my information, to the point that it feels criminal.

Discover card told me on a recorded conversation that what they tell the credit bureau doesn't matter and if I wanted to get a loan all I had to do was call them. This is not true and for them to say something like this to me says they can not be trusted with my information. Any and all they do with my information from this point forward will be documented and viewed as identity theft. 

I believe that I am not the only person they filed false balances for, I have conversations with them I have not posted yet that prove they are engaging in consumer fraud
Product: Mortgage

I received a letter in the mail from the bank I chose for my first home loan stating that my monthly mortgage payment would need to be increased because there would n't be a sufficient amount to cover all expenses in the escrow account. It went up almost {$200.00} a month. This is after 3 months of payments since we bought the home. Our property tax situation has n't changed so I find it concerning that this happened. Should n't all the calculations have been done by closing to give us a correct monthly figure?
Product: Debt collection

Misrepresentation has been committed on the consumer credit file of ( XXXX XXXX ) which violates the Fair Debt Collection Practices Act. MIDLAND CREDIT MANAGEMENT is using extortionate means to collect an alleged debt that I do not owe which violates 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent per FDCPA 15 USC 1692g section 809 ( b ). This notice states that your claim is disputed, and validation of the account is required. Provide evidence that you are a license debt collector in my state, chain of title, and a requested copy of your State Department of Commerce and Insurance Certificate. Im also requesting the governing trust instrument, all tax filings and/or interests associated with this account of which I am an alleged party. Please settle the account immediately and cease and desist all communication, Collection and remove the trade line from all consumer reports.
Product: Debt collection

I am receiving daily harassing calls from XXXX XXXX XXXX regarding a debt that they have failed to verify. Despite my requests for proper documentation, they continue to contact me relentlessly, causing significant stress and disruption to my daily life.
Product: Money transfer, virtual currency, or money service

I have initiated a complaint on XXXX in reference to my debt settlement account for for my 8 payments of {$280.00} dollars for the eight months I made in payments in the program. I was promised that a portion of money would go to escrow and I was told when I had canceled that I have absolutely none in escrow which is why I left because they did not settle any of my debts and I have been working with them for a year. They promised me that within 6-9 months my accounts would start to be settled, I have missed a few payments which they assured me it was ok but that it would only make my program END date longer, not until the very end did a Meadowbrook rep explain to me that it would cost me upfront fees first before a settlement is reached. Unlike other competitors backed by federal guidelines which will actually reach a settlement before anything gets paid. I was being frauded for upfront fees without any representation of which they also assured me as I was getting sued by a creditor that they would. Last minute they told me I had to file my own response with the court, So I had called again and explained again that I just wanted my money back. I was told I had XXXX cents in escrow and they even robbed me of my last dime and emailed that I had XXXX dollars now in escrow. They manipulate, rob, lie, and also after filing a complaint on here, they made me get on a recording saying that the amount to be refunded was the draft amount that I had asked to be skipped five days before my last payment BECAUSE i contemplated on leaving them for their bad services and practice, and XXXX knowing I filed a complaint on my {$280.00} times 8 months to be refunded back manipulated me into thinking this had to do with a totally different complaint I made prior to opening this complaint up with the CFPB. They aught to be ashamed of themselves. I am sickened they can sleep at night.
Product: Credit card

I have XXXX accounts with Capital One Credit which have been paid on time and never in collections. The oldest account is XXXX XXXX XXXX. 
I received notice from Capital One today ( correspondence dated XX/XX/2024 ) that these accounts were being closed. No further information was provided except that " activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. '' Capital One did not provide any explanation for this abrupt and extreme decision nor did they provide any means for me to prevent the impending account closure in direct violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I sent in a letter with an explanation that 15 inquiries had been made without my authorization. I attached an FTC REPORT outlining identity theft. They have not done anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. At the time involving the relevant matters, a Fraud Alert had been placed on all of my credit reports.

2. This has been an ongoing criminal matter since about XX/XX/XXXX in which the investigative information was shared with the Fraud Department and a criminal complaint was filed.

3. Although the credit report has been locked, the credit reporting agency has continually allowed others to access my credit history report, which has resulted in my information appearing on the Dark web.

4. Moreover, when conducting business I would never permit a company to run my credit history multiple times. 

The following inquiries are UNAUTHORIZED : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX mail XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Additional : XX/XX/XXXX Fraud Alert ( Victim of True-Name Fraud ) Alert placed XX/XX/XXXX Fraud Alert ( enforcement requested-violations occurring )
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had a fraudulent charge on my XXXX and XXXX reports. The original creditor was XXXX mobile, and the account was open XXXX XXXX. The charges for the account were {$170.00} and now is currently with a third-party collection company, ( Credence Resource Mana ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove from my report, they are hurting my ability to obtain credit. The 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) provides that consumer reporting agencies must conduct a reasonable reinvestigation verifying the accuracy of the dispute.
Product: Debt collection

Sometime within the last year I applied for a line of credit with NetCredit which I did not access due to high interest and excessive fees. XXXX XX/XX/2021 I became aware through review of my credit report that the line of credit had been accessed. I have been attempting since this time to resolve this matter with the company. I no longer have access to my online account and no information has been shared with me. They requested a police report which was provided along with an identify theft report filed with the FTC. I also sent a bank statement from the time the funds were sent showing that I did not receive any funds from NetCredit to my bank account. I continue to receive emails demanding payment along with the same response to my inquiries that they completed an " investigation '' and determined I received the funds, but no documentation or information proving this has been sent despite repeated requests. I have shown proof on my end that funds were not deposited into my bank account.
Product: Credit reporting or other personal consumer reports

I SENT DISPUTES A FEW MONTHS AGO. THE ACCOUNTS WERE NOT PROPERLY VERIFIED, NOT DELETED AND ARE STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. THE ACCOUNTS THAT I WAS DISPUTING WERE INACCURATE AND NOT PROPERLY VERIFIED., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Bank, XXXX, XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ARE SHOWING INACCURATE Information. ( I DEMAND THAT THE ACCOUNTS BE DELETED BECAUSE THEY ARE SHOWING SEVERAL INACCURACIES IN REPORTING ON MY CONSUMER REPORT. HOW CAN THE SAME CREDITOR HAVE DIFFERENT INFORMATION AMONG XXXX DIFFERENT CONSUMER AGENCIES? THEY CAN NOT, AND THIS A VIOLATION OF THE FCRA, AND ALL ACCOUNTS THAT ARE NOT VERIFIED AND NOT ACCURATE MUST BE DELETED AND BLOCKED FROM MY CONSUMER REPORT IMMEDIATELY. ) I HAVE COPIES OF THE INACCURACIES, AND IF THEY ARE NOT DELETED I WILL PROMOTLY START THE LITIGATION PROCESS THROUGH THE CFPB PORTAL AND A CONSUMER ATTORNEY
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2022 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$410.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.
Product: Credit card or prepaid card

From XX/XX/2020 through XX/XX/2020 there were charges on my card that were not made by me or authorized by me. There was a XXXX account fraudulently made under my name and information and this card was used to purchase parking for those few months. 

I haven't used the card since XXXX and the charges accrued up to {$1000.00} worth of purchases not authorized. 

I filed the complaint with Barclay 's and they claimed I authorized the purchases.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I have received the acknowledgement of identity theft of myself on XX/XX/year> from above-mentioned office. However, today, I received another letter from the office/person in charge addressed XXXX XXXX XXXX, XXXX, GA XXXX. It is in its credit file on XX/XX/year> with confirmation # XXXX. This document states that I made some dispute which I did not know at all. After more than half a year, I struggled with your company, Equifax, and other credit report companies over my identity and its theft. And I already have many questions and concerns the services or whatever I have received from these companies. Therefore, there is no reason to claim your company that I have made some disputes to your company on unreliable information. Please investigate by yourself over this dispute from unknown person. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint for violations against the provisions of 20 U.S. Code 1232g - Family Educational and Privacy Rights. Without my written consent, I recently discovered that my XXXX  loan information has been reported to credit reporting agencies, XXXX, XXXX, and Equifax. This action directly violates the aforementioned statute, which clearly outlines the conditions under which educational records can be disclosed. According to 20 U.S. Code 1232g ( b ) ( 1 ), educational agencies or institutions are prohibited from releasing education records without the written consent of the XXXX XXXX parents. My XXXX loan information was reported to credit reporting agencies without obtaining written consent. The statute clearly outlines exceptions for disclosing education records without written consent. In my case, none of these exceptions were applicable. The release of my XXXX loan information was not in compliance with any of the statutory provisions; according to 20 U.S. Code 1232g ( b ) ( 4 ), educational agencies or institutions must maintain a record indicating all individuals, agencies, or organizations requesting or obtaining access to a XXXX XXXX education records. I request transparency in this matter and would like to be provided with information regarding who accessed my XXXX loan information and the legitimate interest each entity had in obtaining this information.