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

Hello, I was recently subjected to an elaborate fraud/scam scheme via XXXX. I attempted to purchase several items on XXXX and was instructed to use XXXX to pay for my items. I sent via XXXX to {$1500.00} to XXXX XXXX " Account XXXX '' @ XXXX of a Sports Card Trading Company on XX/XX/2022 for the purchase. Then, I was instructed to pay an additional {$1000.00} to a second account manager via XXXX, to XXXX XXXX @ XXXX. Upon completion on my second money transfer, I was instructed to pay {$1700.00} in custom fees for the items to clear the boarder. I sent this payment to XXXX XXXX and they requested a different XXXX account, this time XXXX. Overall, I sent a total of {$4200.00} for the transaction. The whole time the scammers were using a fake XXXX tracking website and fake tracking numbers to spoof me into believing my order was on its way. They also provided fake pictures of the items being boxed and fake shipping labels. This elaborate hoax was totally fraudulent and I attempted to reach out to US Bank under the terms of U.S. Law Regulation E, to protect consumers against fraudulent electronic fund transfers for a return of my funds, however, US Bank has denied my requests. I would like protection under Regulation E to insure US Bank provides a refund for this fraudulent transfer. I can provide any additional information and pictures of conversations with the fraudsters and happy to answer any questions regarding this matter. 

Thank you for your help, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, And I am submitting this complain against Transunion and there is no Third Party involved. Transunion doing business as Transunion Consumer Relations located in XXXX PA has numerous inaccuracies on my consumer report and has filed to properly investigate this matter in which I have been disputing for months. In the exhibit most recently attempt to address on how XXXX verified the accounts on XXXX XXXX ( EXHBIT PROVIDED ). This request for method of verification was received by Transunion via certified mail On XX/XX/2022 you will find the response from Transunion dated XX/XX/2022 pertaining to file number XXXX claimed to have verified these accounts and refused to remove the accounts that I stated were inaccurate ( EXHIBIT PROVIDED ). It is clear Transunion has been very negligent and non compliant in the investigation of this matter. Transunion clearly could have not properly investigated the accounts. I Have conducted my own investigation and research reviewed my consumer report in the attached exhibits I was very upset to have found NUMEROUS additional inaccuracies on my consumer report in addition to previous disputed accounts. There remains a substantial amount of inaccuracies still on my consumer report which are the direct reason I have been facing adverse actions when I have been applying for credit or services for my personal or family household use. In the attached you will find my current consumer report with the inaccuracies I have found. There are numerous accounts with the following inaccuracies which contain inaccurate account numbers, inaccurate balances, inaccurate account opening dates, inaccurate last payment dates, inaccurate credit limits, inaccurate past due amounts, inaccurate closing dates and on some accounts multiple inaccuracies per account reporting by Transunion. ( EXHIBIT PROVIDED ). Additionally update my correct address to the one provided on my ID in the included exhibit. I THE CONSUMER PURSUANT 15 USC 1681 ( b ) ( 2 ) AND MY WRITTEN INSTRUCTIONS DEMAND XXXX TO REMOVE ALL OF THE FOLLOW DISPUTED INACCURATE ACCOUNTS IN THE EXHIBIT PROVIDED ALL OF THE DISPUTED INACCURATE ACCOUNTS WITHIN 3 DAYS. TRANSUNION IS NOW LIABLE FOR DAMAGES FOR THE ROLE YOU HAVE I ASSUMED. TRANSUNION IS NOW LIABLE FOR DAMAGES OF {$1000.00} PER VIOLATION PURSUANT 15 USC 1681N- " ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES NOT LESS THAN {$100.00} AD NOT MORE THAN {$1000.00}. THESE INACCURACIES HAVE CAUSED ME MANY PROBLEMS AND ADVERSE ACTIONS DUE TO THE INACCURACIES ON MY CONSUMER REPORT. I HAVE SUFFERED SUBSTANTIAL DAMAGES FROM NOT BEING ABLE TO OBTAIN EMPLOYMENT I HAVE NOT BEEN ABLE TO OBTAIN NECESSARY HOUSEHOLD GOODS, I HAVE BEEN UNABLE TO OBTAIN HOUSING, I HAVE BEEN UNABLE TO OBTAIN A VEHICLE FOR TRANSPORTATION FOR MY PERSONAL AND HOUSEHOLD USE DUE TO YOUR NON COMPLIANCE. I EXPECT THESE ACCOUNTS RE INVESTIGATED AND REMOVED IMMEDIATELY AND FOR THIS MATTER BE RESOLVED EXPEDITIOUSLY. THIS COMPLAINT SHALL SERVE AS YOUR NOTICE OF WILLFUL NON COMPLIANCE AND A DEMAND TO COMPLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I login to my XXXX account online and its have somebody else social security number and I call XXXX to fixed the problem but didnt help
Product: Credit reporting, credit repair services, or other personal consumer reports

I was called by a collection agency about a debt that I had no knowledge of. So this prompted me to pull my credit report. I do n't know if my identity was stolen because I do n't know who could have done it however I have so many accounts on my report that do n't belong to me! I was really shocked and started contacting the creditors trying to see what I could do to correct this awful problem but each creditor basically acted as if I was lying and asked me to pay anyway! This treatment is illegal and I am currently looking for legal counsel. This is a final attempt to get these items removed please help! The accounts that are reporting that are not mine and that I have no knowledge of are listed below, XXXX XXXX XXXX., XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX/ XXXX XXXX , XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX. XXXX/XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX/ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I have no knowledge of these accounts! I have tried desperately to correct this problem. Please help! No one should be treated this way!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX Account number:XXXX, XXXX XXXX account number:XXXX, XXXX XXXX account number:XXXX  XXXX XXXX XXXXccount number : 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

Citi XXXX XXXX  XXXX XXXX XXXX SD XXXX Dispute Denied on Citi Double Cash Card It seems from internet complaints that the business practice of credit card companies is to automatically side with merchants over customers. I was disputing an overcharge by XXXX XXXX XXXX ( XXXX ),  XXXX, Florida. It was supposed to be {$60.00} and I was charged {$240.00}. I claimed and proved that XXXX  had overcharged me. I went to XXXX County Sheriff 's office and they agreed that XXXX 's aggressive response immediately after my initial phone call, was suspicious. XXXX provided a case number for a report I filed about suspected fraud. XXXX  provided pages of blank boxes not filled with any price because they use an automated system. Other than a XXXX post that did not apply to what I was purchasing, they had no proof I agreed to the price they charged me. I did not receive a paper receipt nor did I see a total on the electronic signature pad. I didn't know I had been overcharged until I received the credit card statement from Citi. I initiated a dispute with Citi and provided overwhelming documentation including emails and a XXXX report that itemized the dispute. Citi didn't even read it. Citi sent a letter that stated that the merchant had to agree to refund the money. Really? That's the reason there is a dispute. Does this mean they can charge anyone anything and just not agree to refund it. Sounds like a formula for massive fraud. 

I understand that unscrupulous people make chargebacks for every reason, but I am not one of them and my credit report will document that. Citi has made an across-the-board business decision to deny all customer disputes unless the merchant agrees. The merchant can now charge anyone any amount and it will encourage and promote fraud throughout the world. Banks need to act in good faith with customers. And if it is true that this is an industry-wide trend, credit cards will cease to exist because if we can't trust them to ride herd on their merchants, we can't trust the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and Regional Finance/ XXXX in regard to incorrect information on my credit report but the only justification XXXX came back with is the company confirm its accurate. But didn't provide any documentation. This account show be remove from my credit report immediately because this was not my responsibility. This account show paid ; however, it continues to report " fail to pay '' causing my score to decline rapidly.
Product: Mortgage

I inherited a house years ago and the banks did not keep up with the paperwork. I did not know anything. Thought the house was free and clear according to probate court. Now I try to get a loan and can not. Have not been able to to find anything on who is servicing this old mortgage so I can get it released. 4 companies so far and no ones has it. I am tired of the run around and mortgage companies being able to do what they want and leaving people helpless. They need to be filing proper information like everyone.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE SENT LETTERS REQUESTING AN INVESTIGATION. I HAVE NOT RECEIVED ANY CORRESPONDENCE FROM TRANSUNION AND I HAVE NOT RECEIVED AN UPDATED CREDIT REPORT
Product: Mortgage

I inquired with Better Mortgage to refinance my mortgages for better terms. 
I was only inquiring as directed through the XXXX XXXX XXXX. They would notify me via email about their rates that were wholly unrealistic, with massive Points ( pre-paid interest ) listed. But when I asked if they had a specific ( below 6 % ) XXXX  year fixed refinance mortgage with XXXX points ( no prepaid interest ) the online portal directed me to an application. But they dont have a pre-approval. Just an application, which they state has soft credit check. 
But I made the same inquiry with XXXX XXXX in XXXX, and they ran a hard inquiry on my credit report without asking me. I didnt want Better Mortgage doing the same. I asked several times for up front pre-approval rate info based on verbal confirmation of my income and credit rating, so I could shop around for reasonable interest rates. 

They dont publish real available interest rates and points, they just force you to apply which creates hits on credit bureau XXXX, resulting in degradation of credit worthiness. 

Are there not fair rate advertising requirements for real estate mortgages? 

This practice seems deceptively like the predatory lending in the XXXX that badly hurt the economy, forcing borrowers into more expensive mortgages.
Product: Student loan

This has happened MULTIPLE times. 

I entered the income driven repayment plan, only to find months later that I 'm in danger of defaulting. The program stopped without any warning. To re-enroll, I 'm forced to take a forbearance and have all of the interest capitalized. I 've also had many issues where if I 'm calling about my federal loans, they only have knowledge of my private loans and vice versa. Just yesterday XX/XX/XXXX I received an email from them saying that my payments were going up from {$110.00} to {$300.00} When I called to verify, they had no idea what I was talking about. 

On XX/XX/XXXX I was given a forbearance on my private loans after talking to them. I asked if I had any more outstanding loans that were in jeopardy at all, whether it be federal or private and they said no. But on XX/XX/XXXX, I was given a delinquency notice about my federal loans.On XX/XX/XXXX, I was approved again, but on XX/XX/XXXX, I was sent another delinquency letter. This has gone on for years. Like I said, when I call them, they do n't ever speak on all of my loans. I feel like I 'm caught in a trap that I ca n't escape.
Product: Money transfer, virtual currency, or money service

I had stored cryptocurrency with Celsius Network. They are currently going through bankruptcy court and the findings ( XXXX XXXX XXXX  ) show a clear pattern of fraud and Ponzi / pyramid scheme actions. 
My issue is that I was supposed to have a custody account, where the assets were held like at a custodian, in my name or the name of my business. They were not held that way and were instead part of the general bucket of asset which got traded away. There is potential with the bankruptcy court of custody accounts getting some money back, but their support won't answer emails or calls to correct my account. It was marked as custody when signed up, and I had asked to move it to custody before they froze withdrawals and before they filed for bankruptcy. I just need my account properly set as a custody version.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act PENN CREDIT CORPORATION has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It 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 an open end consumer credit plan as a late for purpose.
Product: Debt collection

On XX/XX/year> I wrote and sent a certified letter to CKS Financial XXXX XXXX XXXX XXXX, VA XXXX regarding an item on my XXXX and XXXX credit reports. I stated I was not able to locate an account number or original contract with their company for the amount/item listed on the previously mentioned credit reports. In the letter, I requested that if the information was not able to be furnished in writing within 7 days of receipt, that the item be totally removed from my credit reports. Per XXXX 's tracking link, the letter was picked up and signed for on XX/XX/year> at XXXX. I have not received a response from CKS Financial as of today, XX/XX/year> and the item is still listed on my reports.
Product: Credit card or prepaid card

Capital I e is denied my SCRA on my credit card that was opened XXXX XXXX, 2014 while I was still XXXX XXXX. 

They state because my card was not opened before military service and I do not qualify. 

I would like to know if this is true and if so how can we fix this? 

A person on XXXX XXXX should be able to receive the SCRA on credit cards that are open during service. 

Thank you.
Product: Money transfer, virtual currency, or money service

I bought something from someone using cash app from XXXX and he told me that cash app had emailed him and said that it requested a refund for the money I sent to him previously, twice, both for XXXX dollars. Cash app said I did, but also said the guy had the money but couldnt tell me where my money was if it was refunded in the first place. Turned out to be a scam, as you can see from the screenshots are a scam, I never received the computer I paid for and I had to file a dispute with my bank and having to submit a police report because this is now considered a felony because its over {$500.00}. And cash app wont tell me where my money is or give me my refund, which is around $ XXXX. I will submit all screenshots if needed. But cash app needs to be held reliable as well! This is horrid customer service. PLEASE LEARN FROM MY MISTAKE. PLEASE MARK OUT ALL PERSONAL INFO, I DID NOT HAVE TIME TO DO IT FOR THE SAKE OF GETTING THIS COMPLETED BY THE END OF THE WEEK. THANK YOU IN ADVANCE.
Product: Vehicle loan or lease

Capital one denied me auto financing through XXXX XXXX on capital one website stated that decision was final unless I exercised my rights under consumer law.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -15 U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding, LLC aka Resurgent Capital Services and through their collector XXXX XXXX XXXX XXXX are and continue to use a letter which implies and purports to be from the original creditor, who is in fact NOT a participant to the collections activities, to collect a debt. 

They are also falsely/misrepresenting to all 3 CRA 's that I have an open account with them which I do not have. They have no authentic, certifiable data or account level documentation to support such a collection account. This false letter and documentation also apparently furnished to the CRA 's has held this consumer back from applying for credit as their open account falsely indicates the character and amount of an alleged debt. These companies can not and will never have certifiable, authentic and or a proper affidavit of account level documentation to pursue collections. Therefore they " parked '' said alleged unsupported debt on all 3 major credit reporting agencies to pressure me, a consumer, into paying them, in an extortionist like act, to make this go away. 

Numerous previous such violations have already been ordered to stop by the CFPB and others. Please also see the financial complaint I will file here or with the FTC as they are a financial institutions breaking the law.
Product: Money transfer, virtual currency, or money service

I am filing a claim against Cash App due to an adequate customer and unfair which violate the CFPA. Specifically cash app failed to take timely and effective measures to address and prevent fraud on their platform leaving my account vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the EFTA and reregulation E
Product: Credit reporting or other personal consumer reports

An application was done in my name, I don't recognize this fraudulent inquiry nor have authorized it, resulting in my credit report being pulled up by this company and hurting my credit score. I have contacted the bureau and a representative told me that it be would deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Mortgage

After I was XXXX from XXXX Bankruptcy in XX/XX/2014, OCWEN forced insurance on my property. I had proof that I already had insurance. It took me XXXX XXXX XXXX XXXX months to have it reversed. Then OCWEN took the extra monies and applied it to the loan instead of placing it in escrow. I was then preparing to sell the home, and discovered the title of the home was in The XXXX of XXXX 's XXXX name. When I confronted OCWEN, they did nothing. I then requested a detailed report on the status of the loan in XX/XX/XXXX. OCWEN sent me a statement. I then, for the next XXXX months, faxed a request, phoned in several requests for a detailed report for the loan. They have not delivered that information year to date. In XX/XX/XXXX I retained legal counsel. I demonstrated where the XXXX paperwork showed the debt agreed upon was paid in full and the balance is XXXX. Now please keep in mind, I am not necessarily saying I do not owe a balance. But I do not owe the amount OCWEN states. OCWEN never deducted the amount I paid in XXXX bankruptcy. That is the dispute, and OCWEN has foreclosed on the loan on a property that is not in my name. My lawyers have defended the loan as a typical foreclosure. It is not. I have sought other counsel, who have said I have a case, but want {$20000.00} up front. I can not afford that. I do not know what to do, and my court date is XX/XX/XXXX
Product: Credit card

Chime sent me an email stating that my card was on hold due to them not being able to verify my information. I have not applied for any type of card from them or anyone else.