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

On XX/XX/XXXX, around XXXX, I was attempting to purchase concert tickets online from XXXX for a concert that evening ( XX/XX/XXXX ). I agreed to an amount of {$500.00} and was trying to send the money to their phone number. However, the phone number was entered incorrectly which led me to try to correct the phone number address that the money would be transferred to. Given that this payment occurred on XXXX XXXX, XXXX always prompts you for authorization ( I found this out when trying to dispute with XXXX ) to verify that the amount was not fraudulent given the large dollar amount. This authorization popup never happened. XXXX claims that this type of authorization must always occur for money to be transferred, and I was never given this prompt. After the money was sent to the receiving party, I promptly called them and asked them to send back the money that was sent there without authorization. They promptly hung up and blocked my phone number. This then led me to attempt to file a dispute with XXXX, but they said they were unable to do so since they are merely the platform that banks use to send money. I then contacted Wells Fargo and filed a dispute with all this information on XX/XX/XXXX. I would have contacted sooner but Wells Fargo does not allow disputes until the charge is released from pending which takes a few days. Wells Fargo then responded to me by saying they can not give back the money since it was done on a third party platform despite the funds being drawn directly from the debit card. After hearing this resolution, I promptly contacted Wells Fargo and asked the claim to be reopened given that I never authorized the transaction. They refused to reopen it. I then explained that given the charge was never authorized by myself, this charge would be considered fraudulent, and according to federal law, per the FDIC, the maximum amount that I would be liable in this situation is {$50.00}. I asked the claim to be reopened where I would receive {$450.00} back rather than the full {$500.00}, since I am liable for {$50.00}, but they still refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion recently in regards to some accounts reporting on my credit file that never belonged to me nor did I request any credit for. Transunion responded to my dispute accusing me of using a credit repair company. Even though it isn't illegal to use a credit repair service, I am very knowledgeable and informed when it comes to information pertaining to the Fair Credit Reporting Act. I find this response from Transunion unacceptable without showing or declaring any proof of their claim. Transunion failure to investigate this matter is a clear violation of the FCRA as well my rights as a consumer and victims of identity theft.
Product: Credit card

I have a XXXX XXXX credit card account with Bread Financial which is part of the Comenity Capital Bank. There has been a reoccurring fraudulent charges on my account and to top it off, Comenity Capital Bank is charging interest/financial charge. I have requested " Comenity Capital Bank '' and " Account Assure '' which is also part of " Comenity Capital Bank ''. I have not been provided a proof of consent from me as a consumer who purchased it or granted them my permission to charge it on my account. I have requested a refund of all the charges to " Comenity Capital Bank '' and " Account Assure '' via message and phone call. The customer service as well as supervisor are not willing to help. They keep transferring the calls between the two entity where no body is willing to listen or help. This is a fraudulent malpractice by Comenity Capital Bank to rip off consumers. I am reporting this company to the " Consumer Protection '' in hope that FDIC Consumer will look into this malpractice and help resolve this matter.
Product: Credit card

In XX/XX/2023, I was approved for a credit card with PENFED Credit Union. After a couple of months went by, and once my cash advance kicked in, I started having trouble with my usernames and passwords being XXXX and keeping track of my current and recent transaction history by features that were being removed from my online account by the bank. These troubles would reoccur every single time I would try to log in and out of my online banking account. Because of these reoccurrences, I knew my account had been targeted for harassment. Once I was no longer able to log into my account or/and keep track of what I was spending, I would immediately contact the bank by online chat and try to convince them to replace the features back on my account so I could continue keeping track of my spending which they never did. I then would have to contact them about mechanical errors on my account for it being able to load important information on it. I would even have to reset my passwords constantly on the account because they were being XXXX on a regular basis. Once I got my password back to working a couple of times, there came a time when my cash advance had kicked in for quite a bit, and at that moment, I had discontinued using the card for a month or XXXX. As soon as I started using the card again, unauthorized charges started popping up on my purchase amounts. I was billed twice for XXXX XXXX with XXXX of them legit, and the other one was not. I then immediately called XXXX to resolve the issue but they could not do anything because the unauthorized transaction did not show on my XXXX account. I then knew the unauthorized charge was on the bank 's behalf and not XXXX 's because XXXX usually would refund the money right away, which in this case never happened. Otherwise, my account has now been XXXX and I can not do online banking or keep track of the unauthorized charge disputes and current balances. According to recent research, the PENFED Federal Union has been slapped with a {$5.00} XXXX dollar lawsuit for XXXX harassment, physical and mental abuse, and age discrimination by a former employee. The former employee happened to be a card fraud XXXX who had once served as a senior ATM network analyst. There have been many bad reviews and complaints with PENFED with the XXXX  and XXXX reviews. At this point,
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Rectification of Inaccurate Credit Reporting Between the dates of XX/XX/year>, and XX/XX/year>, I contacted TDRCS/XXXX XXXX XXXXXXXX XXXX multiple times every single day during this time period to resolve an issue regarding my account. During this period, I spoke with several agents, and each time, I was transferred to another agent without receiving a clear resolution. Every agent I spoke with assured me that my account had been closed with a XXXX balance and that TDRCS/XXXX XXXX XXXXXXXX XXXX was not reporting any negative information to the credit bureaus. 

However, upon reviewing my credit reports, I discovered that TDRCS/XXXX XXXX XXXX XXXX had inaccurately reported that I owed money on a zero-balance account and that I had been reported late five ( 5 ) times. These reports have significantly and unfairly damaged my credit scores. 

I called TDRCS/XXXX XXXX XXXX  XXXX again to rectify these inaccuracies, but the issue remains unresolved. Despite the agents reiterating that the account is closed with no balance owed, TDRCS/XXXX XXXX XXXXXXXX XXXX continues to report negative information. On my credit reports, the company appears as TDRCS/XXXX XXXX XXXX XXXX and is the source of these erroneous negative reports. 

It says on my credit report, the contact information is : XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX I have already filed disputes with XXXX, XXXX, and XXXX, and I am now reaching out to Consumer Financial Protection Bureau ( CFPB ) directly to request immediate action to correct these inaccuracies. This situation has created a substantial obstacle for my family, as we are in the process of purchasing a new home, and the negative reporting has severely impacted our ability to move forward. 

Actions Requested : Investigate this matter thoroughly and confirm the inaccuracies in your reporting. 
Update all relevant credit bureaus to reflect that the account is closed with a XXXX balance and that there are no late payments or delinquencies associated with it. 
Provide written confirmation that the corrections have been made to my credit reports. 
This situation is causing undue stress and hardship, and I ask that you address it with urgency. If the issue is not resolved promptly, I may be forced to escalate the matter further by seeking legal counsel or filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. 

Please contact me directly at your earliest convenience to confirm receipt of this request and provide an update on the actions taken. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX are not removing there info on my consumer report 15 us Code 1681 sec 602 a ( 2 ) they did not have my written instructions to report on my consumer report and without my written instruction they can not even discuss my info 15 us code 1681 privacy so XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been infringing on my privacy and Im not accepting there responses all of these named entities are in violation of multiple of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for years to remove account number XXXX XXXX  XXXX off of my credit. I reached out to the company the refuse to remove the late payments on the account. I then ask for the company to send me my payment transactions. According to Credit acceptance file my first late transaction was XX/XX/XXXX which mean this should have been removed for my consumer report as of XXXX, but according to Trans union, XXXX, and XXXX my first late payment was in XXXX. I have reached out to all three Credit reporting agencies about this account and they all have been responding that the account is accurate and verified. I even request for each credit agency that stated these items were accurate to send me proof of their investigation for my dispute. According to 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I have never received anything and I guarantee that they have not reached out to my neighbors, friends, family, or associates. This is why either of the three credit reporting agencies send me the documentation that I requested. Due to Credit acceptance not reporting accurately and Trans union, XXXX, and XXXX not doing a proper investigation according to the FCRA, I believe XXXX XXXX and all three credit reporting agencies ( Trans union, XXXX, and XXXX ) deliberately tried harm me. Because of this I have been denied credit, charged high interest rates, and also suffered for a low credit score for 2 years longer than I should. I am a consumer and I have rights and these companies has violated most of them if not all. This is discrimination, defamation of my character, and I am sure much more once I reach out to a lawyer. I dont believe the consumer reporting agencies have my best interest and now they have proven that their companies are not trustworthy and have not been investigating disputes properly according to FCRA XXXX If this happened to me I can only imagine how many other consumers are affected by this. I am requesting that all late payments, collections, and hard inquiries to be removed immediately. I am attaching documents to prove my statement is accurate and intact is true.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent inquiries due to identity theft from the Equifax data breach. 

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

I disagree with the account listed below which still appears on my credit report even after your investigation. i would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score XXXX XXXX XXXX  XXXX XXXX Accordance with The Fair credit reporting Act Public law XXXX Title VI Section 611, Subsection A-D Please provide the names and business addresses of each individual with whom you verified the above so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX, the following 13 accounts violated my rights 15 U.S.C. 1681 section 602A states I have the right to privacy. 15 usc 1681 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instruction. I am hereby requesting the following accounts be deleted from XXXX  credit reporting agencies XXXX, XXXX and Experian. 
1. XXXX XXXX {$410.00} Acct # XXXX 2.XXXX XXXXXXXX XXXX {$62.00} Acct XXXX XXXX 3.XXXX XXXX XXXX {$630.00} Acct XXXX XXXX 4. XXXX XXXX {$360.00} Acct # XXXX 5. XXXX {$1200.00} Acct # XXXX 6.XXXX XXXX XXXXXXXX {$2300.00} Acct # XXXX 7.XXXX XXXX XXXX {$350.00} Acct XXXX XXXX 8. XXXX XXXX XXXX {$870.00} Acct # XXXX 9. XXXX XXXX XXXX {$540.00} Acct # XXXX 10. XXXX XXXX XXXX {$11000.00} Acct # XXXX 11. XXXX XXXX XXXX {$60.00} Acct # XXXX XXXX2. XXXX XXXX {$1300.00} Account # XXXX
Product: Debt collection

I dispute the validity of this entire debt. I am invoking Texas Finance Code 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. The XXXX is not bonded in Texas and is acting illegally. They will not send me proof of not being bonded in Texas so I can not send proof to the credit bureaus to remove these charges that I am not liable for. They also will not send me any proof that they have any sort of contract with the hospital that they say I had procedures at.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a compliment via CFPB portal concerning some inaccurate information being reported on my Equifax credit report. I also submitted the same report to XXXX, they carefully read my complaint an Deleted the inaccurate accounts. Equifax however read the complaint an updated the accounts from a closed account to 120 day late. How can you furnish this information knowing that all of the accounts where inaccurate. Equifax ingnored my findings more than 3 times. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against PRO COLLECT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Payday loan, title loan, or personal loan

So I filled out loan app on internet to find a lender. These people called me ( XXXX ) XXXX XXXX saying I was approved for {$20000.00} loan. Did the whole process account number and routing. Then they said since my credit was low I'd need insurance to make accounting dept Feels better about giving me loan. I said I can't pay for that obviously I need money not have money. They said no we're not asking you to. We are going to wire it to you tonight {$920.00} and you send back in morning and then you'll be insured and we'll wire you loan. They sent it in the morning they started calling me at XXXX. Saying if you want loan just go get XXXX gift cards and take picture and send to phone number. Hurry so we can get you your loan money today. I did.. its their money I figure right. They call me back and say okay we're going to send your loan within 3 hrs the funds. Awesome. After 2 hours a " finance manager '' calls me back ( XXXX ) XXXX. He says okay we're going to send your loan but first we have to send you the money to pay the taxes. Itll be the same as this morning. Okay I say. At this point I'm just thinking about the loan money and my daughters birthday next week and how awesome I'll be able to make it for her with the loan. That night they sent wire. Next morning I see its for {$2900.00}. Damn I think but again all I'm thinking is everything went fine the morning before and how much the actually loan is going to help me out. They call me and tell me to send XXXX back and ill have my full loan by lunch. I follow the same instructions cept this time they say no pictures just read numbers over phone. Yessir I say. Around XXXX still no loan and as I'm checking for loan deposit I see my accounts negative. They pulled the XXXX back out i think. I call my bank and am raising XXXX. Saying I didn't authorize that being taken out to send back. I already sent them that in XXXX gift cards. Thats when the bank tells me it wasn't pulled out. The bank sent in back because of insufficient funds. WHAT! I say how was i even able to withdraw if the funds weren't checked. They wouldn't even give me an answer. Just told me I was scammed and I was responsible for negative balance. Next day you guessed it the XXXX was the same insufficient funds. Now my account is XXXX negative. And my paycheck is due to be direct deposited tomorrow and I won't see any of it. I asked my bank how is it that when I deposit a check even a Federal Government check i can't even have access to those funds till the check clears but for these checks the scammers sent that wasn't the case. And now my life is gon na be ruined. I'm a single father to my XXXX old son and XXXX old daughter and now we're probably going to be evicted. I can't believe this. Please help me get these guys.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In XX/XX/2015, my credit card ( JPMCB CARD ) incorrectly reported me delinquent for the next 4 months due to their transition to online accounting. I was not using this card and did not have any charges on it. The yearly fee for the card was posted to my account but statements were not being sent to me. I had other accounts with this company that were current and fine. I realized I was " delinquent '' in XX/XX/2015 and closed this unused account. It turns out they stopped paper statements and transitioned to email statements. They had my email address incorrect but did not contact me to make sure this new way of statements was working. No statements were being received by myself and multiple delinquencies were posted on my credit history. I have no other history of delinquencies. I tried resolving this issue with JCMCB to no avail. Can you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet I feel like I'm being taken advantage of and being ignored of my disputes. The Law plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by XXXX  as well as the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Good Afternoon, My name is XXXX XXXX and I am writing this complaint for Monterey Financial, DBA XXXX. My initial purchase balance starting XX/XX/XXXX was XXXX. I have made a total of 28 payments for a total of XXXX dollars. After reviewing my account history and totals, the only funds out of that XXXX dollars that went to principal was XXXX. After speaking with one of Monterey 's representatives XX/XX/XXXX she stating initial interest was 113 %. This is also joined with XXXX (? ) A day for the amount of time the account is late. I am writing out of concern for their predatory practices. There is no reason for anything to be over 100 % interest, nor is there any reason why EVERY payment I made over the last 2 years has gone to nothing but interest ( minus XXXX went towards the initial principal. ) Please investigate this company and their predatory lending practices.