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

Today I was scammed by a seller on XXXX XXXX. I posted a dress for sale and the potential buyer told me to get a XXXX account so I could sell them the dress. The buyer seemed legitimate. I then received two emails from false representatives from the XXXX company. They pretended to be the XXXX company and I still have those emails saved for proof. A total of {$1100.00} dollars was taken from my account. I was made to pay two fake fees. One for {$450.00} followed by one of {$650.00}. I called my back less than one hour after I sent these fake XXXX representatives my money and they told me there was nothing I could do to get my money back. The charges are still being processed in my account so I do not understand why my bank is saying there is nothing they can do to help me get my money back and stop the transaction. I want this to stop happening to innocent people and I want these scammers to be investigated by the government. The profile who scammed me on XXXX is apparently named XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Formal request via certified mail was sent to XXXX on XX/XX/XXXX to request a good will adjustment. See attached letter from XXXX XXXX XXXX. 

For reasons beyond our control, we could NOT adjust our bill payer payments to XXXX resulting in partial payments. Prior to XXXX XXXX security breach, we made overpayments to our XXXX account from XX/XX/XXXX through XX/XX/XXXX and NEVER had a late or delinquent payment. 

XXXXXXXX XXXX security breach occurred in XXXX and lasted for weeks. My wife contacted XXXX and explained our dilemma with the understanding that our telephone call on XX/XX/XXXX was noted with an extended grace period. We were surprised to find that the grace period was not extended and that XXXX falsely reported NO payments received in XXXX, XXXX and by the due date in XXXX. XXXX sent partial payments of {$40.00} in XXXX, XXXX and XXXX. Our account was paid in full as of XX/XX/XXXX. 

We asked XXXX to amend and provide a good will adjustment to XXXX, XXXX and Equifax for the aforementioned reasons. 

On XXXX XXXX, XXXX @ XXXX, XXXX XXXX XXXX, XXXX XXXX offered to provide a one-time courtesy to amend our credit report if we provided proof that payment was initiated via Bill Payer on or before XX/XX/XXXX. Proof was enclosed via email ; attachement included voice-mail transcript from XXXX XXXX stating as such and bill payer payment made XX/XX/XXXX. XXXX continues to be evasive and disingenuous to resolving our request to addend our credit report. We would appreciate your help in resolving the issue.
Product: Checking or savings account

During the week of XX/XX/XXXX my Robinhood bank/investment account was frozen for no apparent reason. I had this account since XXXX in good standing. I believe I am being discriminated against and singled out because I am XXXX American and transferring a large amount ( roughly {$25000.00} ) into my brokerage/bank account with Robinhood. There was no reason for them to ask me for ID, live selfies, or my bank statement. 

My account email is XXXX XXXX
Product: Debt collection

XXXX - XXXX - Threats to sue when the debts was an old debt XX/XX/XXXX - XXXX Threats to sue when the debts was an old debt XX/XX/XXXX - XXXX incorrect amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX XXXX with no successful resolution. XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # 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 card or prepaid card

XX/XX/21 I applied for an increase on my Nordstrom card. I was denied although I have paid my card in full and never missed a payment. I requested a supervisor to override the decision and refused. As I know a company can do a reconsideration based on However, note that issuers are required to reconsider your applications upon request. Under regulation 1002.6 in the Equal Credit Opportunity Act, it states that creditors shall consider any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicants. I will like an increase or they can just close out the account.
Product: Mortgage

My mortgage was sold from XXXX to Shell Point Mtg. I have not received any statements or requested documents in months. I'm trying to get this paid and they will not send me a statement or itemized bill. My records show a balance of {$34000.00} and they are saying its well over $ XXXX. Also, the online website for my account will not give me access. I have called several times with no assistance. This is borderline fraud. Please help with this.
Product: Debt collection

Several accounts were opened in my name with Affirm. I have been dealing with fraudulent accounts under my name as a result of identity theft for the past 4 years. The list of fraudulent accounts that were opened in my name are as follows. 
XX/XX/13 XXXX {$510.00} XXXX {$160.00} XXXX {$260.00} XXXX {$1400.00} These accounts have been reported to all 3 credit bureaus and when i originally reported this as fraud, my claim was denied. I am asking that these accounts be removed from my credit report immediately as I did not authorize these to be in my name and they are a result of identity theft.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX, XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX are not complete and accurate. 
open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate | XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with 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 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. ALLY FINCL never sent the periodic 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
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : DELETE EACH ACCOUNT LISTED IN THIS COMPLAINT OFF MY REPORT AS WELL AS ANY FRAUD INQUIRY THAT OCCURED THROUGH THE IDENTITY THEFT. 
MAIL ME MY RESULTS BACK TO THE ADDRESS ATTACHED ON MY REPORT
Product: Debt collection

The company Costal capital mediation are harassing me twice a day on my home and my cell phone. They are threatening me with a civil suit in my state. They are not listed online and have no rating with the XXXX. They have my Social and my city that I live in. I do not owe anything on this debt. It is something that was 18 years ago and was settled. I would like them to stop harassing me. Each company is trying to get ahold of me to collect on something. This is the 4th company that is harassing me with this old debt. I read reviews and it is the same conversations that they have with everyone else. It says to call XXXX XXXX from the Legal department at XXXX. There is no such number.
Product: Mortgage

I recently refinanced my home loan. The old mortgage company that had the escrow was BSI Financial Services. I had to establish a new escrow when we did the refinance and I was told that BSI would refund me the current escrow within 3 weeks. I checked the law and they have 20 days to do that. They have not refunded me the money which is over $ XXXX. I have contacted them multiple times. They only responded the first time saying they were processing the request and sent no information on timeline or anything. Since then they haven't responded at all to my requests. At this point they have held my money for over the legal 20 day period without returning it to me and I need government assistance in forcing them to comply with the law.
Product: Credit card

This is probably my 4th or 5th complaint sent to Wells Fargo as they have not been such a help resolving this issue. The only person who was helping was one of my prior case managers, XXXX. My last case manager apparently gave me false information stating that wells Fargo was finally in contact with the persons bank who has been charged all this money come to find out that is not the situation & i am yet again, being threatened to go to court over this due to the fact i have got false information. Basically, I have a XXXX XXXX XXXX credit card through wells Fargo. My name is XXXX XXXX XX/XX/year>, my previous Case number XXXX XXXX XXXX XXXX. My case manager was XXXX who I have been trying to get a hold of for weeks since he's closed my case stating that wells Fargo is working directly with XXXX when in fact that is not true. XXXX also told me when there are updates on when the funds have been returned to this person, he will let me know. He has not since called me back & he has given me false information & hope that this can finally be resolved. This has been ongoing for months since it was brought to my attention that a checking account which does not belong to me has been being charged. Wells Fargo refuses to chargeback that card unless the owner of the account charged files a dispute with their bank which is XXXX. i did not authorize those card payments nor did the person who's account it is. Wells fargo basically told me i have to take it up with the persons bank but I was never authorizing those charges to be paid with that account since it is not even my account and i never added it to my XXXX credit card. XXXX was my pervious case manager who was VERY good. l 100 % am open & willing to pay the BANK back whatever was charged to this person 's account. It has been ongoing for months now & i have yet to have a resolution. I tried to be patient, but it has been months & they only contact me if i reach out first. The person whos account it was had made a cfpb case against wells fargo as well & they refuse to help her get the money back into her account because she is not a Wells Fargo customer. Her case manager was XXXX ( who also has my info ) & that case number is XXXX. The person whose account was being charged is XXXX XXXX. We are trying to get this resolved & hoping Wells Fargo does the right thing by sending her the money that is owed to her otherwise we will have to take further actions. Wells Fargo is telling me the only way they can give her the money back is filing a dispute with XXXX  ( her bank ) but XXXX won't dispute the charges. Again, my last case i was told wells Fargo was in contact with XXXX directly but when I called again for an update i was told that is not true. XXXX can be reached at XXXX XXXX if Wells Fargo needs to contact her to get her her money back. I, XXXX can be reached at XXXX
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 XXXX XXXX XXXX permissible purposes of consumer reports. XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : XXXX U.S.C. XXXX Section XXXX A. States I have the right to privacy ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy XXXX U.S.C XXXX Section XXXX A Section XXXX : It states, a consumer reporting agency can not furnish account without my written instruction. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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. 

XXXX U.S.C. XXXX ( a ) ( XXXX ) XXXX States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years XXXX U.S.C. XXXX ( A ) ( XXXX ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account PNC BANK which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that PNC BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you DELETE the listed inquiries immediately. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

The amount being reported by Applied Bank is incorrect. This account has been paid in full. 
The amount of {$130.00} was paid to XXXX XXXX XXXX Spoke with manager XXXX XXXX and he assured me this would be resolved but it has not as of todays date. 

Original Creditor : Applied Bank Account Number : XXXX Previous Balance : {$130.00} Current Balance : {$0.00}
Product: Credit card

On XX/XX/2023 there were 3 separate transaction totatling to approximately {$1.00} that were fraudulent. I had never received my Best Buy card and yet someone was making transactions without my authorization. I promptly reported this to Citibank yet my claim was denied. i asked for additional documentation and a way to appeal it yet I was not given that option.
Product: Credit reporting or other personal consumer reports

Subject : Request for Payment Arrangement and Adjustment I am writing regarding the outstanding balances on my account. At this time, I am no longer seeking to dispute these items. Instead, I am requesting the following : 1. A reduction of the total debt amount by XXXX XXXX. 
2. A repayment period of 3-4 months to settle the adjusted balance in full. 

I fully understand that once the balances are paid, these items will remain on my credit report as paid collections and will continue to appear for the standard reporting period of XXXX years. 

Please note that I am currently unable to access my other account due to technical constraints, but I am committed to resolving these matters promptly. I have relinquished any rights to dispute the debts and kindly ask for your consideration regarding my request. 

Thank you for your time and understanding. I look forward to your response. 

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

My 16 year of credit history is no longer available on my credit report. This information includes : XXXX. Loans : Loans repayments that were completely paid off on time as well as my mortgage payment history. 

2. Credit Cards : I had credit cards in my name which reflect a solid repayment history.

3. Mortgage : Mortgage repayments paid for two properties no longer appear on my credit report.

I am filing this complaint to have this information restored to my credit report as well as an adjustment to my credit score.
Product: Checking or savings account

hello sir, subject : compromised fund from capitalone bank a/c XXXX I got info on settlement news on class action against Capital one bank and have contacted via my cousin XXXX XXXX  to be considered for the class action law suit settlement via phone provided. but then he claim admin affirmed i did qualify for USD {$25000.00} lump sum payment but the class admin have claimed to have had contacted me via gmail account sent XX/XX/XXXX and so he and did not get a response to the mail he sent me by then. 
as result, i have notified this office that 1` ) no e-mail was receive and no official claim has been sent to my va address on file this prove the bank is not willing to pay back my compromised money fro XXXX account which was opened in XX/XX/XXXX by transferring usd {$40000.00} from my XXXX XXXX  account. 

so capital one bank has sent me letter to my address in reference to your inquiry to solve this issue. and i got a letter to contact official of the bank via via phone with extension .so i called as instructed via letter however, the bank official is not answering phone and procrastinating not to pay me back the cash compromised. and i believe CFPB is well aware of the bank service. 
please research this double standard issue and file a civil suit against this bank to help me refund the money in need and also share to proper us watch dog so that legal action may take effect accordingly. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

Account name XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Equifax XXXX XXXX Account number XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.