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

Yes is XXXX between the XXXX and the XXXX or 2021 they took XXXX XXXX I'd like to get my money back they laugh giggled said it wasn't there they hung up over the phone they're quite argumentative over the phone that year I still have the account the records and then it'll wisely ruined by somebody I think they have a little wise worker or someone of a sort liking to steal money from people or cash yeah I'd like my cash back or the XXXX assets that they stole from me I hear they did it this year too about {$200000.00} XXXX or {$200000.00} XXXX this year and back in 2021 I like to get my cash back I'm really aggravated I'll be leaving my ATM card number that's the only thing I have on me right now I found you guys on the news
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received improper calls from XXXX XXXX XXXX. Her call back is XXXX XXXX XXXX. Did not state who she was with, what the issue is except that I " was used as a reference '' which is bogus. Have noticed this number over a year on my caller ID list but never left messages until this week Research on line indicates this is Delta Management who is a debt collector. I have never received anything from them and i have no debts having just checked my XXXX free credit reports. Their reviews under this number projects a very negative image and questionable tactics and objectives. They have no business contacting me by phone which is listed on the Do not Call list. I suspect they are preditory, seeing if they can con you into paying on an old debt?
Product: Debt collection

On XXXX XXXX XXXX  an account was open with an electric company under my social security number and went unpaid for 3 months. On XX/XX/XXXX I received an email from XXXX XXXX saying a collection account is lowering my score and I saw that it went unpaid for 3 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. The following accounts I demand to have removed XXXX XXXX XXXX, U.S. Bankruptcy Court XXXX. The following bankruptcy has already been deleted and deemed as unverified with XXXX they were not able to verify the bankruptcy per law so how are you? with the original furnisher? not through third party sold information that's against the law ( chapter 15 usc 1692, 1608 ) you are required to follow this law and provide written consent. 

Under code 15 U.S. code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates I XXXX XXXX XXXX have never gave XXXX  any written consent to report anything on my consumer report, No consent is identity Theft. I will provide a copy of the LAW. 
The following addresses are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Az XXXX YOUR companies failure to comply with these laws has cause my major distress on me as a consumer and has ruined my reputation as a consumer and I demand to have these laws enforced and data deleted permanently. 
This abusive act has been an invasion of my individual privacy. If you do not respond or comply with these laws I fully intend to pursue all litigations possible in regards to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act the list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX account # XXXX Has violated my rights 15 USC 1681section 602 A,. States I have the right to privacy 15 USC 1681section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( a ) ( I ) 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 card or prepaid card

I purchased a crock pot with a Best Buy Visa card. I returned the crock pot back to the store brand new. I was told by the manager at Best Buy that they refunded back to the same method of payment I explained we dont have the card and it was a Best Buy card. They refuse to give me a credit and took my crock pot. This is stealing and fraud
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX and I am filing this complaint against XXXX on my own behalf, as a Natural Person and Federally Protected Consumer, without any connection or involvement with a third party. 

I sent a validation of debt letter as well as a cease and desist to Discover Financial Services which they received on XX/XX/2021. Their response failed to meet my demands. I requested if their information did not meet my demands, to remove the balance from the account. They have not done that. I have filed an identity theft report stating that they assumed my identity as the original creditor as defined per XXXX XXXX XXXX ( g ) I have attached several documents that show what I have done and their response, as well as the identity theft report. I have also attached my passport to show I am reporting this claim myself and not a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report with TransUnion shows multiple invalid account that are causing detriment to my score. My Report is showing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( reported XXXX dated XX/XX/XXXX and XX/XX/XXXX ) as charge offs. That information is invalid. My report also shows XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported XXXX on my report dated XX/XX/XXXX, XXXX and XX/XX/XXXX ) and XXXX XXXX  as Hard Inquiries. I have never interacted with any of these companies listed which means this information Is invalid. I have requested for TransUnion to remove these invalid accounts or validate them. However, I have not gotten a response or action from Transunion.
Product: Debt collection

My report is about XXXX XXXX XXXX. They are blatantly committing fraud in two ways : Trying to collect on an amount that was fraudulently charged and inflating the amount that was fraudulently charged. 

I indicated to them that the financial record on file was incorrect and represented incorrectly since based on multiple calls with them, I was able to show them proof and they still charged the amount to my credit report. This is blatant abuse of power.
Product: Debt collection

I received a letter from Velocity Investment LLC stating that I am being summoned to appear in court because I am being sued by this debt collector stated above, regarding an alleged debt that I owe. I have never previously been contacted by this company and I am not aware of what alleged debt this is, or in regards to. Apparently, Velocity Investment LLC purchased this loan from XXXX XXXX XXXX and I am disputing owing any and all alleged debt to your company. If you think I owe any debt to your company send me proof in writing only of this alleged debt under the Fair Debt Collection Practices ( FDCP ) and 15 USC 1692. I agree to pay any financial obligation which I might lawfully owe to Velocity Investment LLC on the condition that you provide me in written proof of this alleged debt to ensure full transparency and resolve this matter. 
I require the following : 1. Validation of the original note that is the actual accounting break down of the amount owed to Velocity Investment LLC.

2. The original contract binding both parties ( mine and Velocity Investment LLC ) in a letter by ''certified mailed ' so that there is an independent witness to it having been delivered.

3. The original contract with my wet signature because I did not sign a contract with this company. 
This alleged debt you bought was charge off so, I would like you to provide me with my 1099 C, so that I can file my taxes properly. And according to the Privacy Act of 1974, I did not give Velocity Investment LLC authorization nor permission for you to check my private credit report.
Product: Credit reporting or other personal consumer reports

I discovered that medical debts are still being reported on my credit report, despite the CFPB 's final rule prohibiting such practices. The rule, which amends Regulation V under the Fair Credit Reporting Act ( FCRA ), which becomes effective on XX/XX/2025, and bans the inclusion of medical debts on credit report provided to lenders. The reported medical debts are negatively affecting my credit report and may influence lending decisions on my credit report. This violates the CFPB 's regulation, which aims to protect consumers from inaccurate and coercive debt collection practices.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : BRIDGECREST XXXX
Product: Credit reporting or other personal consumer reports

WF CRD SVS. ran my credit report without authorization. I don't recall applying for credit with this company. I called back in XX/XX/2023 and asked for written proof of at the time they couldn't provide. I need this removed immediately off of my credit report ASAP.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint regarding a troubling issue I have encountered involving a money transfer from my Cash App account to my bank account at XXXX XXXX. This incident has caused me significant inconvenience and financial uncertainty. 

On XX/XX/XXXX, I initiated a transfer of {$420.00} from my Cash App account to my bank account. The transfer was processed by Cash App, and I was provided with a transaction confirmation. However, as of XX/XX/XXXX, the funds have not been credited to my bank account. My cash app tag is XXXX XXXXXXXX Upon contacting XXXX XXXX, they informed me that they can not trace the transaction with the information provided by Cash App. The only detail I received from Cash App was the transaction ID, and they have refused to provide further necessary banking information to trace where the money was sent. 

This situation has left me in a financially precarious position, as I am unable to access funds that rightfully belong to me. The lack of cooperation and transparency from Cash App is particularly concerning, and I believe this matter requires urgent attention. 

I request the CFPBs assistance in resolving this issue. I am seeking a full investigation into this transaction, and appropriate measures to ensure that the funds are correctly credited to my bank account at the earliest. Furthermore, I hope that this complaint will help in ensuring better service and accountability from digital payment platforms like Cash App. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and resolution.
Product: Credit card

On my credit card statement, a charge for almost {$300.00} for XXXX XXXX was on there. I disputed it. I did not make that purchase at all and dont have a XXXX. I thought it would be open and shut once they reached out but no, XXXX XXXX sent a phony pdf that says I picked up a guitar and I 100 % did NOT. Citi refuses to reverse it. I want proof I picked up a guitar like they said. I want my credit back, I did not make nor authorize that purchase.
Product: Checking or savings account

On XX/XX/year> I deposited 3 checks through BMO 's mobile banking app. One was from an accident settlement from my attorney for {$6300.00}. It was verified by my attorney and cleared by his bank. The other 2 were older checks I found while cleaning my house. They were for {$15.00} and {$59.00} and wasn't sure if they had been deposited already so I figured the worst that could happen is they bounced. I received e-mails that these checks had been received, reviewed, and approved. The next day I was locked out of my account. I called and was told my account was frozen and that it would take 7-10 business days to review. The next person told me 10-15 days, the latest person tells me 30 business days, so XX/XX/XXXX would be the latest date I can access my account. My account was perfectly fine before these check deposits and now I can't even access my previous funds for nearly 2 months because it takes them this long to review a couple checks?? I tried to get my attorney 's bank to reverse the check or write me a new one but it has already cleared on their end. So BMO has that check cleared and are simply holding because that is their " policy ''. I was actually a Bank of the West member and away for 6 months. When I returned they had changed my checking account type without consenting me. They are holding all my money hostage over a couple of checks. I just want to close my BMO account ASAP and they won't even allow that until the investigation is completed.
Product: Prepaid card

My ex XXXX  my car and my card was in the car. He knew there was money in the account. He got into the account and transferred money to a card that I haven't been able to find fit to weeks and I had a feeling he XXXX. He then XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX took my car and left. I logged in and saw that money had been transfered and take out and spent. Local law enforcement is involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to freeze my ARS report for the past 2 months, but have not gotten a response. They replied to my last CFPB complaint and said they have not received my letters, but i have 2 certified mail receipts showing that i sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With fair Credit Reporting actXXXX XXXX XXXX  # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1691 Section 604 A Section2 : also states a consumer reporting agency Can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit card

ATTACHED IS THE USPS TRACKING CONFIRMATION SHOWING DELIVERY OF THE LETTER I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$220.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well. 
ATTACHED IS THE USPS TRACKING CONFIRMATION SHOWING DELIVERY OF THE LETTER
Product: Student loan

I want to pay off my student loan before payments resume as I have the money ready to do so. The only way to pay off your loan in full and have it registered as such is to use Mohela 's online 'Payoff Calculator ' to request a 'payoff letter. ' This payoff calculator has been offline for at least three weeks, which is as long as I have been trying to access it, so possibly longer. On the page it just says 'Currently our Payoff Calculator is under maintenance. Please try again later or contact Customer Service for assistance. We apologize for any inconvenience " Contacting customer service by phone is impossible and you will sit on hold for literally hours. I tried sending a message through the website and have never gotten a response. Meanwhile interest is accruing on the loan I want to pay off. It is downright theft and negligence, and there are probably thousands like me who Mohela is making money off of while they fail to do their jobs.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, my money was supposed to be transferred to XXXX XXXX XXXX  from XXXX  through XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the partner bank of XXXX has been holding all the money for XXXX weeks. 

Because the XXXX XXXX  and the beneficiary name/ account number don't match, Barclays is supposed recall the transaction and return all the money to my XXXX XXXX accounts.
Product: Checking or savings account

I sold my building and escrow sent my funds to my Bank of American account, XXXX XXXX. From XXXX XXXX XXXX I want to transfer the funds to my wealth management account XXXX. I went to the Bank of America at XXXX Texas on XX/XX/2019 and completed the wiring instructions. I was told everything looked good. I informed my wealth manager that funds were on their way. He called me many times he never received funds. I call the branch and was told that I was turn down because their was no signature card on file. Not true, branch manager was able to bring up my signature on his computer. The branch manager called and left voice mails and emails to superior. He got no response. Today I went to the branch and manager told me that Bank of America is closing my account on XX/XX/XXXX and reason give they do not want to work with companies like mine. That was the only reason give. My company purchase and rent office buildings. 
My wealth manager purchased investment bonds for me in hopes of getting the funds. 
Because B of A did not send the wire I lost {$8000.00} because wealth manager had to sell the bond he bought. I was on vacation from XX/XX/XXXX to XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BKPT CT CA XXXX XXXX, Amount {$0.00}. I have no knowledge of this public record and don't live in California. I have stated this with XXXX, Experian and XXXX.
Product: Credit reporting or other personal consumer reports

A charge-off or canceled debt, the IRS views it as a certificate of indebtedness, essentially categorizing it as income ( XXXX XXXX XXXX ). Income has never been allowed on any consumer report, and it violates the Fair Credit Reporting Act. Clearly, this is inaccurate. I insist on the immediate removal of these accounts! XXXX XXXX XXXX and XXXX XXXX XXXX. 

IF YOU DECIDE NOT TO PERFORM I WILL BE FORCED TO PERFORMED LEGAL ACTION!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXXXXXX XXXX || Date of inquiry : XX/XX/year>. XXXX. || Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX accounts listed below. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

MY ACCOUNT # XXXX Whats good. 
XXXX XXXX you up to let you know I dispute the debt under the Fair Debt Collection Practices Act Aint no need for proof or more docs I just dont agree with the debt straight up If you got ta contact me hit me by email only XXXX  to XXXX  XXXX to XXXX XXXX XXXX XXXX No live calls no voicemails and dont send no mail through XXXX XXXX XXXX or any XXXX either Thats just inconvenient Thanks for understanding
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report. I was shocked to find that i've been a victim of identity theft, I found numerous accounts that were not opened by me. This has been affecting me as I am trying to find a home for my family. I also noticed 2 other debt collectors who have been added to my reports by the name of XXXX XXXX and XXXX XXXX XXXX XXXX. Please remove these accounts immediately.