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

I unfortunately had to file XXXX XXXX  coming out this pandemic, being a new home owner and going back to work. I filed XXXX XXXX. My lawyer pulled my credit report, XXXX XXXX  and even included old Credit card fromXX/XX/XXXX. TransUnion immediately restored my credit. XXXX Credit card closed the account on my credit, fine wise XXXX XXXX XXXX XXXX XXXX  which is also XXXX says needs attention with XXXX balance just dropped my credit XXXX  points. I need new windows and things for my house. Credit is everything and that is why I filed XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

Account name XXXX XXXX XXXX Account number XXXX
Product: Checking or savings account

My account was compromised i reported they gave provisioning credit then took it back i apple asked they denied i asked for information why was it denied and wat info was used i was told i had to subpoena them to get that information they didnt not do a investigation also i cant get a copy of the disputed charges i dont remember i cant see the transactions and they wont give them to me this was fraud and they wont give my money back stealing money and dont want to help
Product: Credit reporting or other personal consumer reports

I was surprised to find inaccurate accounts on my credit report today and can't understand why they are there. I checked my report as usual, but this time, there were unexpected errors. I tried refreshing the page, assuming it might be a temporary glitch, but the incorrect accounts didnt disappear. Therefore, Im requesting a detailed review of the documents I provided to resolve this issue permanently.
Product: Credit card

I have been issues with my Apple Card and Goldman Sachs not resolving my disputes for years. I have disputes that have been opened years ago and still coming back denied time after time. Usually I open a dispute with Apple credit card services and it goes to Goldman Sachs bank but then months later it gets returned unresolved. This has been happening for years even for disputes that the statute of limitations have passed. This has been ongoing issue since I got my Apple credit card and i thought it would be a benefit. But so far it has been a nightmare trying to solve charges, customer service hanging up the phone, non existent phone numbers, etc. I want my disputes resolved in a timely manner and credited to my account. I have disputes that 100 % should be ruled in my favor with all the evidence provided but Apple keeps returning the disputes unresolved or denied. Is ridiculous. The XXXX XXXX XXXX has been reporting on this issue for years and since then I started realizing that the issues I was having were real. See attachments. I want Goldman to look at my disputes and get them resolved and credit my account.
Product: Debt collection

I never received a DUNNING LETTER from XXXX affording me the opportunity to dispute, settle, discuss or anything prior to getting a summons, this is a direct violation of the FDCPA ( FAIR DEBT COLLECTIONS PRACTICE ACT ) Also, The summons was not given directly to me but instead, it was given to a XXXX  that is now XXXX XXXX XXXX XXXX XXXX XXXX XXXX  because he is not mature enough to understand the ramifications of this process and he is thinking that you can possibly face jail time
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my wife sent out a wire a half our closing cost fund to our title company XXXX XXXX for the amount of {$38000.00}. On XX/XX/XXXX on our way to our closing we found out the thebfunds had never arrived. 

After investigating we found out that the wiring instructions we recieved were fraudulent and incorrect. 

We have now found out that the scammer had created a business domain mimicking our title companys domain with the only differences between the two was that the fake domain was missing the XXXX  on XXXX Further more the scammer had also copied the title companys email in the same fashion as they did the buisness domain. Also copied my wifes and father in laws email as well. 

The used the fake title company email to interact with my wife, and they used the other two fake emails to communicate with the title company. 

From what I can gather from back tracking emails is the scammer imbedded themselves on XX/XX/year>, they sent thw fraudulent wiring instructions to my wife on XX/XX/year> The real title company had sent the true wiring instructions to the scammers email for my wife. So.we never received the acutal true wiring instructions. Instead the phony title company email sent us there instrucions. 

After fileing a claim with our truist bank where the funds were wired from. I took the account info of the receiving account, the scammers bank account and called the First Horizon Bank, in XXXX XXXX, NC to red flag thay account. They froze the account but most funds had been taken only leaving XXXX. 

We have filed with the local police XXXX XXXX FL XXXX, sent that police report to the XXXX XXXX XXXX, filed with FBI ( XXXX ), XXXX XXXX, and sent a comlaint to thw XXXX XXXX XXXX XXXX. On top of filing a claim with truist bank ( which they have denied ), and also tried to file a claim and get a claim # from First Horizon Bank but the wont start a claim due tonthe fact we are not account holders, on top of they will not give us any information on the case. 

The bank manager admitted to talking to the person on the account and ask questions about the wire and what was it for, to which he said it was for construction job. Which is clearly false. 

I sure hope there is something you can do to help. I have questions that are not being answered, one being why wasnt this account transaction flagged when the Recipient Name on wire did not match the name on the account that received it. Why was XXXX allowed ro be withdrawn before XXXX had passed. Where do these checks and balances start and end? 

I do have much more information and evidence, ie : the name on the scammers bank account, their address, phone number, and dl number used to open the account, also have emails from all parties. Fake wiring instrucions, receipt from our bank ect.. 

I have attached the correct wiring instructions which isnthebone with XXXX XXXX, and the fradulant wiring instrucions Please help us. We lost a years wage in 24hours, not to mention the years of hard work it took to save the funds lost.
Product: Credit reporting

XXXX out of XXXX of my addresses are correct, # XXXX is incorrect, I am from XXXX and that # 4 address is from XXXX, found at credit report from EquiFax, employment History is correct. 
I think, someone else used my identification, I would greatly appreciate in advance your great support. 
XXXX.
Product: Credit reporting or other personal consumer reports

These are unauthorized inquiries ( XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I have not approved or given written permission to furnish in my credit report.
Product: Credit reporting or other personal consumer reports

The three credit bureaus equifax XXXX and XXXX  are all in violation of federal law and need to be fine for reporting fraudulent accounts on my name that have been opened without my consent I have sent them all police report and Id theft reports they continue to violate federal laws with out penalties
Product: Credit card

in the month of XX/XX/2023 a JPMCD credit card was opened up in my name without my permission or me knowing of this illegal transaction against me, i have no idea what the credit amount of the card was, this ended up on my credit report as a hard inquire it cause my credit score to drop even lower then it already was i reached out to the three credit bureau 's to have it deleted and it was removed, this has caused great hardship to me and my family.
Product: Credit card

I have been charged back by PayPal credit for credits I received that where and are due to me PayPal credit charged me twice in XX/XX/year> That should not be
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the XXXX reporting agencies XXXX and Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

Bull City reported a medical bill on my credit report before notifying me about it. Additionally, its already been paid by my health Insurance.
Product: Credit card

I received an email saying that my credit score has changed. I clicked on the link to see my credit score through credit karma. I see that my credit score has dropped XXXX points in total. Once I clicked on the tab that said see what changed I seen that I had two accounts open. I was not familiar with the credit card that was on my account stating I was 30 days late from JPMCB. I dont own a credit card and this account was opened on XXXX XXXX without my knowledge. It caused 2 hard inquiries so I called the bank to see more information and they told me that I didnt apply to open an account and that they were going to close the account and then told me to call the 3 credit bureaus to get the account closed and disputed on their end.
Product: Credit card or prepaid card

I have a Discover credit card and they have recently put missed payments on my credit report which are not my fault. I changed banks, updated my payment information in their system, and they never ran the payment when they were supposed to. They continued charging my previous bank despite having the information for my new bank and are trying to hold me accountable for their mistake. They are claiming that I only created a one-time payment with my new banking details and that I never set up automatic payments with my new banking details. This is not true. I never would have left their website without having done that. That's specifically why I went to their website that day. They could have run my payment details at any time. I have escalated through their chat support and through their phone support. They refuse to fix the error on my credit report on the grounds that it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, the social security administration changed my social security number from XXXX to XXXX after someone fraudulently applied for Coronavirus related unemployment in several states where I've never worked or lived. I notified XXXX, TransUnion and XXXX of this and asked to have my social security number changed on my credit report. 

I was also the victim of a violent felony assault which was another major factor in SSA 's decision to change my SSN. 

XXXX responded stating that they updated my report to reflect my new social security number not there are multiple credit files listed under my new and social security number. XXXX has at least 2 credit files listed under my name and new social security number. 

XXXX responded inappropriately and did not update my credit report with my new social security number. XXXX has at least 2 credit files under my name with my old SSN on one and my new SSN on the other. 

TransUnion responded stating that they updated my report to reflect my new social security number but there is two separate credit files. Like XXXX, one under my old SSN and one under my new SSN. 

I have excellent credit and have now been denied credit yesterday because of this serious issue. 

Social Security stated to me that they do not issue any notice to someone who was issued as a new SSN as a security precaution.
Product: Credit reporting or other personal consumer reports

I have been disputing this account for XXXX  regarding the repeated charge-off that appears on my account each month. I have asked them to validate the debt by sending me a purchase agreement, assignment contract, or something displaying my wet signature showing that this alleged debt is mine. 
Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Pursuant to my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied.

2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor.

5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt. 
According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event. 
This action being taken each month it affects my credit score, credit report, and creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have try several times to remove unverified inquiries that i didn't initiated in my credit report and they told me they cant do anything than i told them to show me any prove that i initiated the applications. 

Here are the inquiries from XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XXXX XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX  - XX/XX/2021 Here are the inquires from TransUnion XXXX  XXXX - XX/XX/2021 FXXXX XXXX - XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021
Product: Vehicle loan or lease

1.I have never had an account with this company CNAC - XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CNAC - XXXX th

e debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Checking or savings account

Truist Bank is refusing to refund any numerous overdraft fees posted to my account due to their lack of discretion on overdraft protection and my refusal to participate in this program in accordance with FDIC regulation. Truist Bank has disclosed to me that they avoid federal regulation by authorizing all transactions and choosing to charge fees on recurring and ACH transactions after the one time purchases and withdrawal amounts have cleared. Truist Bank willing practices harmful, dishonest, and predatory banking.
Product: Credit reporting or other personal consumer reports

this account was charged off and my info was sold to a 3rd party. I do not own this debt. 
UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS
Product: Checking or savings account

I filed a dispute on two diffent cases with the fraud department one for XXXX and the other transactions i didnt reconized from XXXX and XXXX so i filed a dispute suntrust called me a rep in thr fraud department calls me and ask some questions about the disputes she didnt let me talk when i was trying to explain to her about XXXX i paid XXXX dollars for service to be installed i was told to pay my brothers bill before they install service so i declined and ask for my money back they didnot return mu money to my card this rep for suntrust fraud department denied my claim on this she didmt reach out to XXXX at all so i paid XXXX dollars but yet never got it back because this rep did not do her job i wamt my money back and thr other disputes she also failed to do her job ans denied thst claim i wamt my money back im closing my account because suntrust failed to there job, im not filing no appeal that woukd take 45 days if someone did there job more probably. I wouldnt be going through this, i was called a liar on this claim i dont appreciate that this needs to be resolved
Product: Credit card or prepaid card

My wife dies after a horrible XXXX  XXXX  XXXX. 
We had a card on the account for my daughter that expired. Long story on how we had problems with the postal mail while we were in XXXX TX fighting XXXX but my daughter never got her card. Capital One was VERY familiar with our battle- it was our primary and almost only credit card. When I called to get a replacement card for my daughter - only a couple days after loosing my poor wife- I informed them my poor wife had died and I would need help getting the account moved to my name only- I was immediately transferred to some department that handles this and they cancelled our account and the card and login was immediately useless. 
Listen to the call - I was devastated that my primary credit card was being cancelled in the middle of what was going on in my life. They were heartless and offered no help. 
In the ensuing weeks I have had to deal with MANY financial institutions ( e.g. banks, retirement plans, insurance, etc. ). and they have all been very sympathetic and helpful. 
I sent a letter to capital one to complain and of course have no response. 
I have received a bill from capital one saying its past due - seriously? I need a report of all the charges that have been charged under this account for the 2022 year for taxes but calling customer support only gets people whom can not find the account and then hang up on you. Again, listen to the calls.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report. As a victim of a data breach, I believe the accounts and inquiries listed below were established or made fraudulently and without my consent. Under the provisions of 15 USC 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of this fraudulent information. 
Accounts to be blocked and deleted : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$00.00XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$00.00} Inquiries to be blocked and deleted : XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX