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

The scammer posted a listing on XXXX advertising an apartment for sublease for 6 months for the address XXXX XXXX XXXX XXXX, XXXX XXXX, CA. I replied to the ad of the " person '' subleasing and she ( who goes by the name of " XXXX XXXX '' ) told me to apply directly with the management company at the website : XXXX. Both the initial XXXX ad and the website contain pictures of the property totally stolen from another property nearby. 
I went on the website and I applied and was approved for the sublease and I signed an " Sublease Agreement ''. I was told by the fake management company to XXXX pay " XXXX XXXX XXXX '' ( the fake owner ) using his/her number XXXX a total of XXXX which I sent in three installments to reserve the apartment for the 6 months. It turned out the pictures that were used on the XXXX ad ( no longer exists ) and the website XXXX were pictures stolen from a different apartment complex down the street located at XXXX XXXX XXXX that is managed by XXXX XXXX. 

Unforutnately, I was scammed into sending the three payments ( XXXX each ) via Chase XXXX to find out a few days later that the the imposter/scammer stole the pictures from a different apartment, created a fake management company, and scammed a total of XXXX from me via XXXX. 

Currently, the scam site XXXX is still an active website and perhaps others are also told to go to this site to " apply '' for an apartment as part of the scam. There is an ad that came out a few days ago warning people that the XXXX ad is a scam. I have email conversations, screenshots, payment details, etc. if needed for additional evidence. 

I filed the complaint with both XXXX and my financial institution Chase Bank and both said that there is nothing they can do about the three transactions already made and authorized by me. I authorized the transactions since I was given false information about the apartment and I was dealing with a scammer so the authorization is not based on truthful information. I want a charge back under Regulation E, but Chase Bank 's answer was that they have no right to recover the funds for me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation. 
XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00}
Product: Checking or savings account

I was notified on XX/XX/XXXX about suspicious activity being on my checking account. I filed a claim on XX/XX/XXXX. My debit card was expedited, and I received it on XX/XX/XXXX. I activated the debit card the same day it was received. On XX/XX/XXXX, I received a notification that the debit card had been turned off due to suspicious activity. I called Wells Fargo and filed another claim for the amount {$5000.00} on XX/XX/XXXX. I received a phone call on XX/XX/XXXX and was notified that the claim for the amount {$5000.00} had been denied. On XX/XX/XXXX, I found out that two XXXX XXXX accounts had been connected to my checking account on dates XX/XX/XXXX and XX/XX/XXXX. I contacted Wells Fargo on XX/XX/XXXX to inform them of the XXXX XXXX accounts being connected to my checking account and that I do not own an XXXX device so these XXXX XXXX accounts are not mine. I was told the new information would be considered. I contacted Wells Fargo multiple times and spoke with multiple times from the dates of XX/XX/XXXX to XX/XX/XXXX in regards to the claim for the amount of {$5000.00}. I did not receive any information in regards to the claim. I received a retail credit card in the mail on XXXX that I did not apply for. I called Wells Fargo on XX/XX/XXXX to inform them that someone else applied for this retail credit card by using my information. I was told they will investigate this situation and block the card so it could not be used. I went inside a branch facility on XX/XX/XXXX to speak with a branch manager about the issues that I had been experiencing. The branch manager sent a detailed messaged to their escalation team to get my case reopened. I spoke with an investigator for the reopened claim on XX/XX/XXXX. She needed clarity on what was going and informed me that a resolution would be given by XX/XX/XXXX. I received a call from the investigator on XX/XX/XXXX to notify me of a denial of the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three major credit bureaus are reporting a fraudulent collection account on my report and although I have supplied evidence that it is a fraudulent and malicious account, they have refused to remove it ; stating it as " Accurate and updated, '' -XXXX , XX/XX/2015. 

On XX/XX/2015, A XXXX XXXX XXXX manager decided he wanted to evict me. He padded my rental account with {$1500.00} in late fees. We went to Small Claims Court in Washington XXXX, XXXX, IN on XX/XX/2015. I had all my documents to show that I was not responsible for this outrageous amount and the attorney for the apartment complex could not support her argument once my documents were reviewed. 

Judge XXXX XXXX XXXX decided to " sever the relationship '' between XXXX XXXX XXXX and I, and he did not order an eviction nor did he order a judgment against me. Still, XXXX XXXX XXXX, possibly in lieu of defeat, placed the bogus amount on my credit reports as a judgment, causing me mental anguish. 

I contacted XXXX  and filed a dispute. I mailed them the documents I will attach here as proof. I even provided the Judge 's Order where it clearly states, " At the hearing, the Court was unable to make a determination of what, if any, amount was owed. '' Transunion still refused to remove the negative account from my credit report. This has now been on my credit report as " OPEN '' for 3 years.
Product: Payday loan, title loan, or personal loan

i had an payment arrangement with avant to settle for a less amount**6 payments i paid on time and now- in turn they were going to satisfy this loan paid in full- they kept reporting to the credit bureaus as being late still and now that its paid they still have not updated info on all 3 credit bureaus
Product: Credit reporting or other personal consumer reports

I am filing this complaint to formally dispute the reporting of my bankruptcy details by LexisNexis and to raise a serious concern regarding the unlawful sharing of my personal information with unauthorized third parties. Despite having a security freeze on my credit report, LexisNexis disseminated and possibly sold my personal data without my authorization, violating multiple privacy laws. 

Details of the Disputed Entry : Bankruptcy Filing Number : XXXX Court Name : XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Filing Date : XX/XX/year> Source : Record Source XXXX, XXXX XXXX XXXX Basis of Dispute : Violation of FCRA : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to the most accurate and complete data representation in my credit report. The FCRA mandates strict guidelines for furnishing and managing consumer information, ensuring that consumer reporting agencies and data furnishers uphold the integrity and privacy of consumer data. 

Violation of GLBA : The Graham-Leach-Bliley Act requires financial institutions and their affiliates to notify consumers about their information-sharing practices and to comply with the consumers right to opt-out if they do not wish their information shared with third parties. It also imposes a duty to protect information against unauthorized access or use. 

Unauthorized Sharing and Selling of Personal Information : I have not granted LexisNexis, or any entity, consent to share or sell my personal information stemming from my bankruptcy record. This unauthorized dissemination constitutes a violation of my privacy rights. 

Statement from the XXXX XXXX XXXX Tennessee Bankruptcy Court : The XXXX XXXX of Tennessee has clarified that bankruptcy courts do not provide information directly to credit reporting agencies. Information on bankruptcy cases is sourced from public records by the agencies or their data providers. Once a case is filed, it becomes a part of the courts permanent public records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I am completely OUTRAGED with the NEGLIGENCE AND NON-COMPLIANCE of Equifax. These actions are unjust to me as a consumer and have a clear disregard for the law. When logging into my XXXX portal, I see that there were XXXX disputes initiated ( not by me ) on, XX/XX/23 and XX/XX/23. The investigation of the disputes was completed on, XX/XX/23 and XX/XX/23 ( document attached ). 

Equifax did not use reasonable procedures to assure the maximum possible accuracy of my consumer report as it relates to the above-proven inaccuracies, which is a direct violation of the Fair Credit Reporting Act. 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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. The investigation did not verify the accuracy and completeness of the accounts. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 3 ) ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX XXXX. 

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX. 
Made on : XX/XX/2017 and XX/XX/2017 Made with : XXXX, XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies that are adversely affecting my credit score. These inaccuracies include accounts that I do not recognize or transactions that were incorrectly reported. Attached, you will find a detailed list of the accounts and entries in question. 
I am currently in the process of purchasing a home for my family, and it is critical that my credit report accurately reflects my financial history to ensure fair and favorable mortgage terms. I urge you to review the attached documents thoroughly and remove the inaccurately reported accounts as required by the Fair Credit Reporting Act. 
Your prompt attention to this matter will not only help rectify errors on my credit report but also facilitate a significant life eventthe purchase of our family home. I appreciate your immediate action in resolving these discrepancies.
Product: Credit reporting or other personal consumer reports

I have tried to open an checking account at the XXXX XXXX seeing that I can open an savings account with them. They refuse due to the inquires on my chex systems file. I have been fighting chex systems to get my report and score to due disputes and see whats there and it took 6 months to finally get to sign in and now i cant see nothing on my report and notable to use the tools on their website. also finally recieved my report from chex systems  and no report is found from any banks nor credit unions. On the other hand I have a ton of inquiries from trying to open an check account. Not being able to obtain one for the score they are reporting due to the inquiries is the problem, I have disputed the inquiries but they state they dont report a score and the inquiries should not be a problem. I tried contacting discover and they state they cant supply an answer for why they wont open the checking account and to contact Chex Systems. it is a burden to me and not getting no resultion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX 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: Student loan

The issue is that I borrowed from       XXXX   XXXX       in   XXXX  .  Navient took over these loans years ago. I recently learned that my son is listed as a co-signer on that loan. I wrote them several times that this was not correct. First, they told me to send a co-signer release form, I was denied because my monthly payments is not the full principle. Then I told them that my son was never a co-signer on the   XXXX   XXXX     form. There was a section for the Borrower, the co-signer, which is my brother,   XXXX   XXXX  . My son, filled the section that stated " Student Borrower Information. '' My financial information and the co-signer information is on the form. My son 's information does not include any financial. Furthermore, all these years on Navient 's website, they never had my son 's name as a co-signer. Recently, they went in and added him as a co-signer to loan ending in  XXXX . I wrote again and challenged them and they sent me a second denial for not paying the full principle and for making a late payment. I have NEVER been late over 15 days on my payment. My son is not a co-signer and I demand he be released. I am tired of doing the right thing and getting slapped for it. Furthermore, my contract was with    XXXX   XXXX    how is  Navient  interpreting a contract that was not with them.
Product: Checking or savings account

FILED A COMPLAINT WITH CITIZENS BANK OFFICE OF THE CHAIRMAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX R.I.XXXX # XXXX. 
RECD A REPLY ON XX/XX/2020 FROM XXXX XXXX XXXX THEY REPLIED ALL OFFERS REC.D AT MY ADDRESS WOULD BE HONORED BECAUSE THEY HAD NO EXPIRATION DATES. 
WHEN I TRIED TO REDEEM MY LAST OFFER I CALLED XXXX SEVERAL TIMES WITH NO RESPONSE. WHEN TO THE LOCAL BRANCH AND SPOKE WITH XXXX XXXX AT XXXX XXXX XXXX MA XXXX XXXX. HE OPENED THE CASE AND I HAVE HEARD NOTHING SINCE. XX/XX/XXXX. WHY HAVE THEY REFUSE THEIR COMMITMENT. 
XXXX NUMBER IS XXXX
Product: Credit reporting or other personal consumer reports

ACCOUNTS OPENED : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am filing this complaint because my credit report contains accounts opened without my consent due to identity theft. Under FCRA Section 605 ( b ), I request the immediate deletion and blocking of these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report due to my victimization in a recent data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting these fraudulent items to be removed, as they were opened without my knowledge or consent. 
Account to be Blocked and Deleted : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$9000.00} Inquiries to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I received 2 American Express gift cards ( one for {$100.00}, one for {$50.00} ) from my company for XXXX and XXXX in XXXX. I held on to them to spend as personal gifts later. Normally, I add gift cards to my XXXX account in the Wallet section and use them that way. Surprisingly, it didn't work. I also tried that with a XXXX gift card which also didn't work. I was trying to purchase items from XXXX of the XXXX. I added roughly under {$100.00} to my cart and tried checking out with JUST the AmeX gift card which declined, I then tried lowering the amount which also declined. I then tried purchasing with the XXXX gift card which did go through thankfully. I tried setting up the AmeX cards multiple different times all which failed. I researched online via XXXX, XXXX website, AmeX website, and general forum searches that all mentioned AmeX gift cards NOT working at common retailers or for online purchases. How am I supposed to get this money? It's a total of {$150.00}, I don't want to just have these cards to look at, I want to use them. 
To specify further, these were purchased by my company as gifts for the employees. I used them in prior years just fine and was able to link them to XXXX as well. I don't know what's going on with AmeX but they need to get their act together.
Product: Money transfer, virtual currency, or money service

This is in relation to a previous complaint I had filed submitted on XX/XX/XXXX about XXXX XXXX  which remains open ( XXXX ). I am filing an additional complaint about TD Bank because they seem to have stalled the case completely on their end, in the hope that our case can be resumed. We have been told by XXXX that they have been reaching out to TD since XXXX, XXXX requesting an update on TD 's investigation of this matter, and have consistently been receiving a response that it is still pending. It has been over a year since this incident occurred. XXXX responded promptly to our CFPB complaint but they are still receiving no support from TD, and so we would like to open a complaint against TD as well. 

Here is the previous complaint description for context : On Saturday, XX/XX/XXXX I withdrew {$14000.00} in the form of a cashier 's check from my the savings account of my bank ( XXXX ) for the purpose of paying a deposit for my wedding venue with the intended recipient being the owner of said venue ( XXXX XXXX XXXX ). I placed the check in a sealed envelope in a public USPS mailbox near my house in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on Sunday, XX/XX/XXXX ( the next day ). I was informed about a week later that the check never made it to the intended recipient, and after contacting XXXX, learned that it had been fraudulently cashed or deposited by TD Bank on Monday, XX/XX/XXXX with the recipient as " XXXX XXXX ''. It was concluded that it had been stolen from the public mailbox and forged with a new recipient name. I had a case opened by XXXX 's fraud department and was assigned a case worker : Case worker : XXXX XXXX  Case number : XXXX Reference number : XXXX Dispute number : XXXX We were instructed to sign an affidavit with the receipt from the cashier 's check attached, which we signed and mailed on XX/XX/XXXX. We were assured that we'd get our money back, and informed that typical turnaround for cases like this was up to 120 days. I reached out several times over the next few months with no meaningful update. I filed a complaint against XXXX with the Office of the Comptroller of the Currency, and promptly received an update in early XXXX that XXXX had contacted TD bank to confirm the fraudulent activity, to which they had heard no response. In the 5 months since this update, we have reached back out to XXXX at least 5 times to learn that there had still been no response from TD Bank to their request for confirmation of fraud. I have tried to contact TD 's fraud department, but was unable to get very far without a contact number or case worker. We were told by a representative at TD 's fraud department that it is incredibly unusual for a case like this to take this long. I have written to the Office of the Comptroller of the Currency to reopen the case against XXXX and to file a new complaint against TD. I contacted XXXX again and learned today ( XX/XX/XXXX ), that they plan to reach out to TD once again. It has now been 1 year since this unfortunate event, and there has been no resolution.
Product: Mortgage

LoanCare LLC failed to pay the real estate taxes for our home in a timely manner. The taxes were due on XX/XX/XXXX and not paid until XX/XX/XXXX. Our account with the county we live in now has penalty and late fees assessed in the amount of XXXX and is due on XX/XX/XXXX. I have contacted this company via telephone several times thoughout the month of XXXX. On one phone call I was told that the payment for the penalties and late fees would be issued on XX/XX/XXXX. As of today, ( XX/XX/XXXX ) the check still has not been issued. We pay our mortgage on time and have never missed a payment. We have an excellent credit and do not want our credit effected.