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

On XX/XX/XXXX we were scammed by a business called XXXX XXXX XXXX  in conjunction with XXXX We paid them {$230.00} for what we understood was a passport and the expedited fee ( plus a {$15.00} fee for passport photos and a {$8.00} fee to print out passport renewal application ). Besides the services mentioned above, at no time did they provide any services for the actual passport or expedited services. They then told us we needed to take all of that i formation to a XXXX XXXX to complete the process. We went immediately to the XXXX where the XXXX XXXX told us we had been scammed because we were actually paying the passport fee and expedited services to the XXXX and they would file the application and documents for us. Which they did. I immediately requested a refund for The company, no response so i called Wells Fargo and reported the scam. I have also spoken the XXXX XXXX XXXX that confirmed that no services for the passport were actually provided by the XXXXXXXX XXXX  XXXX scam and they also advised to have our XXXX XXXX process a chargeback. Wells Fargo initially gave me a provisional credit but are now taking it away over a month later and charging it BACK to my account with no warning because the company denied the refund. Where is our protection from our bank? We have been with Wells Fargo for many many years and have increasing fly become disappointed in the way the treat their long time customers That is what chargebacks are for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report that I have attempted to get removed from my credit report on several occasions to no resolution. As well as disputing these inquiries on my credit report. 

List of inquiries : XXXX XXXX : XX/XX/2020 XXXX  : XX/XX/2020 XXXX XXXX XXXX : XX/XX/20XXXX XXXX XXXX XXXX : XX/XX/2020 XXXX XXXXXXXX XXXX XXXX : XX/XX/2020 XXXX XXXX of XXXX : XX/XX/2020 XXXX  : XX/XX/2020
Product: Credit reporting or other personal consumer reports

I have no connection to the listed creditors, and these inquiries do not pertain to me.
Product: Debt collection

I WOULD LIKE THE FOLLOWING FRAUD ACCOUNTS TO BE DELETE FROM MY CREDIT REPORT ASAP. SEE ATTACHMENT DOCS. 

PLEASE DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per the Federal Credit Reporting Act as federally protected consumer pursuant XXXX XXXX XXXX I XXXX XXXX am now OPTING OUT of any and all authorization I the consumer XXXX have given to XXXX XXXX XXXX XXXX written, unwritten, verbal nonverbal to report my non-public personal information. XXXX XXXX XXXX XXXX is in violation of the Privacy Act of 1974 also XXXX XXXX XXXX Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX XXXX that my non-public personal information would be shared with Third party affiliated such as Experian, XXXX, and XXXX and I was never given the opportunity to opt out which XXXX XXXX XXXX states I have the right to opt out on anything reported on my credit report and I supposed to receive opt out option every XXXX days which XXXX XXXX XXXX XXXX did not provide XXXX hereby exercising my rights under XXXX cfr XXXX according to XXXX XXXX XXXX I was supposed to receive XXXX different disclosures before my non-public personal information was shared but never received notice. To conclude XXXX, XXXX, and Experian is in violation of XXXX XXXX XXXX XXXX sec XXXX because it states a reporting agency can not furnish an account without written instructions I did not give written instructions to Experian XXXX and XXXX to report XXXX XXXX XXXX XXXX account and supporting sharing my non-public personal information such as transaction history and balance. I did not give written instructions or written consent for my non-public personal information and did not give consent for those agencies to report XXXX XXXX XXXX XXXX account on my report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late ! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX  days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never XXXX the XXXX statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit card or prepaid card

I bought a guitar on XX/XX/22 from XXXX using my PayPal Credit account. A few days later, I received a keychain in the mail and not the guitar that I ordered. 

I requested a refund from the seller but he denied my request. I tried to get in contact with XXXX for around a week via email since they have no phone support with no luck. So I ended up opening a dispute with PayPal and PayPal Credit. 

Eventually XXXX said they would issue a full refund, but I would have to close the disputes. I tried to do so, but PayPal and PayPal Credit still to this day XX/XX/22 will not close these disputes and still no refund.
Product: Money transfer, virtual currency, or money service

I sent {$1000.00} USD from XX/XX/XXXXXXXX Wise 's partner ) to my Wise USD account on XX/XX/2021. On XX/XX/2021, XXXX sent me an email saying they were closing my USD account. Wise did not provide a reason why they were closing my account. Wise has said they will be holding my money for a minimum of 60 working days.
Product: Debt collection

A collection account appeared on my credit reports in XX/XX/2018. I sent Security Credit Services a letter on XX/XX/XXXX ( which they signed for on XX/XX/XXXX ), asking them who they were collecting for and that I would like to see validation of the debt they are reporting. They contacted credit bureaus of my dispute ( as I watched the dispute comments hit my reports ). But they FAILED to send me ANYTHING in reply to my request. They have seriously violated federal and state laws with their lack of response within the 30 days allowable by FDCPA, FCRA and Metro 2 compliance laws. ****ADDITIONALLY, THIS COMPANY IS REPORTING THAT I MADE PAYMENTS TO THEM IN XXXX AND XX/XX/2018. I MOST CERTAINLY DID NOT MAKE ANY PAYMENTS TO THEM. THEY ARE IN GRAVE VIOLATION OF MANY LAWS WITH THEIR INACCURATE, UNVERIFIABLE REPORTING. I am requesting that they immediately REMOVE this reporting from my credit reports and not sell to another collection company as they have not validated this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is EXPERIANSs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 1 inaccurate late payment for the XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2023. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C.1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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: Debt collection

I got behind these payments because my husband suffered a XXXX and lost my source of income. I had to quit my job to take care if him
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me 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 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: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections XXXX ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX a man named XXXX from Prince Parker and Associates left a message for my office manager claiming to call on behalf of XXXX XXXX XXXX for a past due balance. The voicemail was forwarded to me as I am the XXXX XXXX and handle all of our accounts. I called the gentleman back and he demanded that I give him my phone number. I said he should already have my phone number, he's the one that called our office. He began to get hostile, saying that he talks to a lot of people and I was wasting his time. I told him we have no outstanding balances and would not give personal information, and then he hung up on me. He called back 5 minutes later and once again demanded my phone number. I said I would contact XXXX XXXX XXXX   directly as I do not feel comfortable providing any information to him, and if he was truly hired by XXXX XXXX XXXX to collect a bill he should already have the appropriate information. He yelled " You know what? Have a nice life '' and hung up. I immediately called XXXX XXXX XXXX and was told that our account is in good standing and they have never sent our account to collections. This company seems like a scam and they are extremely aggressive in their tactics.
Product: Credit card

Hi. This is my 3rd complaint on American Express for SCRA benefits. I used the chat option through American Express on XX/XX/XXXX to ask them when my accounts would be approved for SCRA benefits. They informed me that my accounts were approved on XX/XX/XXXX and they were still deciding when the actual start date would be. I noticed last week that I have not received any credits for any interest rate I have paid above 6 % and credits for any late fees. I used the American Express chat option again on Friday, XX/XX/XXXX to see when I would received my credits and to see what date they used for my SCRA benefits to begin. They told me they have a start date of XX/XX/XXXX. First, that date is wrong and I have no idea where that date came from. Second, still no credits or reversed late charges from XX/XX/XXXX. My husband was reactivated with the military with a start date of XX/XX/XXXX until present. According to XXXX XXXX XXXX, my accounts need to have a backdate of SCRA benefits to XX/XX/XXXX and any interest I have paid that was more than 6 % and any late fees need to be credited to my accounts. I have sent them my husband 's orders several times and I have been fighting with American Express for almost 2 years now. This is an embarrassment to service members! Please refer to my husband 's military orders again. You will see on page 6 is when his orders started on XX/XX/XXXX and the following pages show additional orders until present.
Product: Credit reporting or other personal consumer reports

I have made numerous requests to have the false information corrected, to no avail. 

XXXX Inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX ran a background check during a XXXX XXXX  and found a erroneous eviction reporting negative on my report, and adversely affecting my ability to get housed for me and my family. I am asking that this information be removed. I have a common name and can possibly be mistaken identity. Jurisdictions Searched ( show ) 1 eviction record ( s ) were found Eviction Record 1 Agency State CA Plaintiff XXXX * XXXX XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Defendant Full Name XXXX XXXX XXXX Case Number XXXX Defendant Address XXXX XXXX XXXX ; XXXX XXXX ; CA ; XXXX File Date XX/XX/year> City, State, Zip XXXX XXXX CA XXXX Judgment Date XX/XX/year>
Product: Checking or savings account

I previously requested Suntrust to establish overdraft protection on my account when I received an overdraft fee in XX/XX/XXXX. They advised that it would be established. In XX/XX/XXXX I requested then received another overdraft fee of {$36.00} and they advised that the overdraft protection was not established as advised by the previous representative and they would confirm it corrected and waive the fee, the conversation occurred on XX/XX/XXXX. XX/XX/XXXX a transaction went through and there was n't enough funds to correct the transaction I was charged the fee and requested the fee to be waive and was advised that due to the fee they fixed in XX/XX/XXXX they were not able to adjust an additional fees on the account. Escalated to a supervisor who was unwilling to help or support on XX/XX/XXXX Requested to escalate further and she declined.
Product: Credit card or prepaid card

Hello, I have over {$5000.00} in fraud charges on the BofA edd debit card! I have been trying for days to get in touch with BofA disputes dept on hold for hours and they are not answering the phone. They will not do the dispute at an office my only option is the phone disputes dept. By law they have 10 days to return the money to my account but that starts when they accept the dispute if they don't accept the dispute then the clock doesn't start! Please help. Thanks
Product: Credit reporting or other personal consumer reports

CREDITOR INFORMATION XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX I am submitting a complaint in reference to this company Goldman Sachs Bank USA knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS and DECEPTIVE. I demand proof to see VALID authorization/proof of alleged debt. They are harassing me with phone calls as well. 

Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law require you to respond in 30 days. I am maintaining a careful record on my communication with your company. Please provide G.A.A.P agreement. 
FTC 15 USC 41
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion Credit reporting agencies for the last 5 months over and over again with dispute after dispute. They, ( CSR ), are so in the habit of telling you what you ca n't dispute on the report or telling you what wordage you ca n't use to dispute, or just telling you that you ca n't dispute. When calling in, I am always transferred to CSR 's outside of the country who are not informed of the new laws regarding credit reporting.
The new laws installed  XXXX   XXXX , 2017 CDIA new credit reporting laws are not known to any of the CSR 's I have talked to. I inform them of these laws, and since they have not been made aware of them, they really do n't help at all. The new law is the new criteria set for reporting civil judgements, bankruptcies and tax liens. If these criteria 's are not met, the item has to be removed from your report. I had problems with even management when it came to understanding this law because they never heard of it. I offered to send them the information stating these laws. I spoke to manager,   XXXX   XXXX   at Transunion and she gave me her fax number to receive the news letter. Even after she read these new laws, she refused to adhere to them. I have the problem with the bankruptcy criteria that has not been met with reporting it to Transunion.   XXXX   XXXX   stated that although the criteria is not met, the item has to stay on my report. She SAW, the information in writing and STILL refused to help correct the situation.   XXXX   XXXX   stated that she saw the criteria on my report that the new law stated and I told her I had a copy of my report and it was n't there. She stated, " she saw it from here end and I would have to get a sapena to see what she saw '' ). So, I sent faxed her a copy of my report to show her. She did not acknowledge my report was correct. EVEN MANAGEMENT REFUSAL TO HELP IS ASTOUNDING! Within these 5 months I have been disputing, I have n't gotten any positive help from the people working for Transunion. I have disputed : address changes, inquiries, derogatory items reported and public record reporting. They do not offer help, they offer discouraging words, the sorry I ca n't do, the sorry you ca n't do. They are in the business of refusing to help rather than helping.
Product: Credit reporting or other personal consumer reports

Prior to this incident my credit score was a XXXX. I have never been late with any creditor. I have been a long standing customer with XXXX XXXX XXXX XXXX XXXX ) since XX/XX/XXXX. I have not used my XXXX credit card or have not logged into their website since XXXX timeframe given I do not actively use this card. Furthermore, I requested a XXXX replacement card in the mail back in XXXX since it was lost. Since I do not actively use the card I was unaware a outside company could charge my account. A charge was placed on my account unbeknownst to me for {$180.00}. XXXX sent letter to my home address mid XXXX which I received on Thursday, XX/XX/XXXX, about the charge and I immediately paid that same day as a result of that letter. There was no prior letter sent to my home or courtesy call made by XXXX. The physical card was not used for this transaction and appears to be a yearly charge for supplemental water/sewer line insurance ( XXXX XXXX reference XXXX XXXX and XXXX ). I called this company and told them they do not have authorization to auto charge my account. 

Additionally, on XX/XX/XXXX, I immediately called and spoke to XXXX customer service representative who informed me there was no credit late reporting and as soon as the payment posted, they would waive the late fee. XXXX XXXX also did not show credit was impacted at this time. The associate informed me to wait 5 days to show it was reflected on my account. I then proceeded to call back on Monday, XX/XX/XXXX, and spoke to another representative who informed me the prior representative never processed my request and did nothing with it. The new representative then proceeded to fix the account on my behalf and late fees were removed. 

On XX/XX/XXXX, XXXX XXXX then showed a credit hit ( which it previously did not ) and that my score that was at XXXX had now dropped a XXXX points. I proceeded to call XXXX again on XX/XX/XXXX, waited on hold for XXXX minutes, and spoke to a new representative who submitted a request to correct my credit which did not contain all the details listed above. I did not trust this process given the above inconsistencies, therefore, I reached out to XXXX via their XXXX XXXX because I wanted to send a formal letter myself to dispute the late credit reporting to give all the details. XXXX gave me an address to send a formal notice to XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The letter i mailed just came back on XX/XX/XXXX stating " not delivered as addressed- unable to forward ''. I also got letter from XXXX saying they would not correct my credit since they do not have all the details. I reached out again to XXXX for the correct mailing address and they said someone would be in contact with my on XX/XX/XXXX and still have not heard from them. 

I am filing a formal complaint with CFPB to get this remediated once and for all given I can not tolerate the inconsistent handling and misinformation from XXXX any longer.
Product: Money transfer, virtual currency, or money service

I went to the store the night of XX/XX/2022 around XXXX and bought something from the gas station and to fill my tank up the next morning I realized my card was gone and money was being wiped off my account day by day i dont know who stole my card but they knew my pin code automatically these skimmers have been found at a lot of stores and atms so I finally contacted the bank to file a dispute and they barely gave me updates and they denied what I said so I dont know what Im going to do
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute certain information in my file which I believe is possibly Identity theft. This account was opened fraudulently therefore I am a victim of identity theft. The account was opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Section 605b. The XXXX Credit Bureaus need to remove the account from my file. 

XXXX XXXX XXXX XXXX