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

Chase Bank Cash deposit on XX/XX/2020 XXXXXXXX XXXX  at the ATM of the branch located in XXXX XXXX XXXX XXXX XXXX In a normal day I Went to the local chase bank to deposit cash deposit like so many times before thinking I can trust the us banking system ..to be able to pay some bills.I took some money from my saving account and went ahead to deposit money into my checking account right after. I got te receipt of the transaction confirming my deposit with the exception of the receipt asking me to call an 1800 number to make sure my deposit went through ... 
Little I knew that I will be the start of a roll a coaster ride and a nightmare from bankers promess to help to managers not following up or being of any help.. to different department telling me after whatever internal investigation we can't locate that deposit and not even a word of apology. For some one who use to work in the banking system I was flabbergasted that my bank stole money from me legally.. as even in third world countries you can't do it and have many rights as asking your branch to look at camera ... Every body was giving me the go around and I had to chase for my own money I work hard to get. Bottom line no answer no help no right unless u willing to take it to court.. no even answer to simple question : like did my bank contract allow me to go to court or binding arbitration- Does the atm belong to chase or a third party ... .At this point it's not even about money but principles and trust. The bank that I trust with my money stole my money!!
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have requested my credit report from Lexis Nexis and have not received it. I want a copy of my report sent to the address on file.
Product: Credit reporting or other personal consumer reports

Indigo credit card showing 1 late payment reached out to the company to remove the late payments it has been almost XXXX years since the late payment appeared on my account It has been over 30 days and the creditor has not updated this information nor has provided proof or documentation in regards to a late payment they have not supplied this information and they must delete the alleged late payments on my credit report under federal law they have 30 days to complete the investigation. and by failing to do so, the item must be deleted as soon as possible. 


In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states t have the right to privacy.15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.
Product: Checking or savings account

On XX/XX/2021 I received a call from a man stating he was a Wells Fargo employee. He was calling to inform me that a suspicious wire in the amount of {$19000.00} had been initiated from my savings account and asked if it was me who had initiated the wire. I said it was absolutely not me. I have never done a wire in the 22 years that I have been with Wells Fargo and I do not authorize the wire. I never signed anything to authorize this. He said he needed to secure my account and sent me a text message with a 6 digit code that I had to verbally relay to him. That is normal for Wells Fargo. The next day I discovered that the wire had gone through to a XXXX account to a person named XXXX XXXX, there was also 2 {$500.00} XXXX transfers out of my checking account. I called the bank immediately and opened a fraud claim. I do not know who this person is. Wells Fargo initiated a wire recall only to find out that the XXXX account was closed and there were no funds to be refunded. 
I was reimbursed for the 2 {$500.00} XXXX transfers but the fraud department is saying that I did authorize the wire and they will not reimburse me the {$19000.00}. They will not tell me why they chose to reimburse me for the 2 XXXX transfers and not the {$19000.00} wire. When I asked why my account wasn't insured for this they said that it would be if it was bank error. They stated it was not their fault and I did authorize the wire. 
I have done a little detective work myself and discovered the recipients home address in XXXX Florida and the police are working on getting an IP address of where this wire was initiated from. 
I have opened a police report in Colorado where I live. I am also in the process of filing an appeal on the denial of the claim. 
I am including the letter from the bank denying the claim as well as the emails from Wells Fargo adding the recipient and the wire they processed.
Product: Debt collection

Repetive calls often with no one on the other line and immediately hang up call 2-3 times per day, every day of week except sunday call from different numbers to circumvent blocking asked them to stop contacting me as they have already been informed of my bankruptcy but they continue to attempt to collect payment
Product: Credit card

On XX/XX/year> I got an alert from XXXX XXXX that two capital one cards were opened under my name. I did let them know previously there was a credit report not alert not authorize by me. I told the capital one representative that I did not open any cards and I am reporting this as fraud. Someone is using my identity. They verified that information in there system is not my information. Representative told direct me to call capital one fraud department which I did. 
Representative advice me to call XXXX, XXXX  and XXXX and report this fraud. 
I called and file a dispute for each one.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Equifax and XXXX XXXX XXXX XXXX ( XXXX  ) for violating federal laws concerning the inaccurate reporting of a charged-off account and failure to issue a 1099-C Cancellation of Debt form. The account was sold to a debt collection agency, yet XXXX continues to report it inaccurately, harming my credit profile. 
Additionally, I have attached proof the debt has been sold and reporting inaccurately on my credit file which is a direct violation and must be removed. I have no agreement written nor signed agreement with the third party.

Violations Committed : 1. Failure to Issue a 1099-C Violation of 26 U.S.C. 6050P According to 26 U.S.C. 6050P, creditors who cancel or discharge debts of {$600.00} or more are required to issue a 1099-C form. XXXX has failed to provide this form, suggesting that the debt has not been legally forgiven while simultaneously reporting it as a charge-off.

2. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681 et seq.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Creditors must report accurate information. The continued reporting of a charged-off account, despite its sale to a third-party collector, is false and misleading.

15 U.S.C. 1681s-2 ( b ) : Upon dispute, credit bureaus must investigate and correct inaccurate data. Equifax has failed to do so.

15 U.S.C. 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy. The current reporting of the account as a charge-off without reflecting the sale to a third-party collector is a violation of this obligation.

3. Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S.C. 1692 et seq.

15 U.S.C. 1692e ( 8 ) : Creditors and collectors must not report false or misleading information. XXXX and the debt collector can not both claim ownership of the same debt in different ways, which creates confusion and misinformation. 


Requested Action : 1. Immediate removal of the XXXX charge-off from my credit report. 

2. Verification of a 1099-C filingif none exists, the charge-off should not be legally reported.

3. Correction of all reporting inaccuracies regarding the ownership and balance of the account.

4. Investigation and enforcement action against XXXX and Equifax for violations of FCRA, FDCPA, and IRS reporting laws. 


Legal Consequences for Noncompliance : Failure to address these violations within 15 days will result in a lawsuit against Equifax and XXXX for willful noncompliance under 15 U.S.C. 1681n, which allows for statutory and punitive damages. I will also escalate this matter by filing complaints with the Federal Trade Commission ( FTC ) and my state Attorney Generals office.

Please provide a written response detailing the actions taken to resolve this matter. Thank you for your prompt attention. 


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

Subject : Dispute of Unauthorized Inquiries on my Credit Report - Reference : 15 U.S.C. 1681 I am writing to formally dispute certain inquiries listed on my credit report as authorized by the provisions of the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. 1681. I have reviewed my credit report from and identified unauthorized inquiries that have been made without my consent.

I would like to bring your attention to the following inquiries 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 I would like to emphasize that I did not provide permission or authorization for the aforementioned inquiries to be made on my credit report. According to the FCRA, it is essential that inquiries made on an individual 's credit report are done so with their explicit consent. As such, these inquiries are in violation of my rights as a consumer under 15 U.S.C. 1681 and the FCRA.

I kindly request that you investigate these inquiries and, if found to be unauthorized, remove them from my credit report in accordance with the law. Please provide written confirmation of your actions and any updates made to my credit report.

I expect your prompt attention to this matter as required by law. I believe that a thorough investigation will reveal that the inquiries were made without my consent, and I trust that you will take appropriate action to rectify this situation.

Thank you for your assistance in resolving this matter. I look forward to receiving written confirmation of the results of your investigation and the corrective actions taken.
Product: Checking or savings account

Last XXXX I noticed that a company was taking {$100.00} transactions out of my account. I contacted the bank and told them they contacted the company. Well when I was looking through my account for another transactions I noticed that this same person had been doing it since XXXX. I submitted a fraud claim again and it was closed. I called to inquire why and the person said bc it was new and attached the fraud claim to the original request. The bank returned my money and then took it back causing my account to be overdrawned. Then proceeded to take money out of a XXXX account I was told I needed to be own for my daughter to get an account with no warning to her or after she turned XXXX not notifying her to open her own account. There business practices towards veterans and low income XXXXXXXX XXXX are predatory.
Product: Credit card or prepaid card

In XX/XX/2022, I lost my Citi Premier card when traveling abroad, and I attempted to get a replacement. I did so by setting the address on the card to a foreign address where I was traveling and requesting a card. 

Somehow, this set the address for all my cards to the foreign address. I was only able to catch this in XX/XX/2022, and so I reset the Citi Premier card address to my US address. Unfortunately, I did not notice that the rest of the cards still were at the foreign address, which was incorrect as I have a US address. 

This caused all the cards except the Citi Premier card to be closed in XX/XX/2022. I tried calling and starting a support case to reopen the cards, but was not able to. 

I know with Citi there is a 90 day timer from when an account is closed to use the points or lose them. With Citi, they are all pooled into one account and it is hard to tell how many and when they are expiring. The rewards page only said : you have XXXX points expiring. I tried to use up the points that said were expiring, but it would still just say : you have XXXX points expiring. I repeatedly tried to use the points, but the message would never go away. I called into Citi to ask how many points were expiring, and they could only tell me XXXX points were expiring. After attempting multiple times to use up all the expiring points and the message never going away, I stopped. 

I had XXXX points as of XX/XX/2022, and then afterwards I had XXXX points or so when they expired. I don't believe this is fair because I was never given an accurate number of how many points were expiring. Furthermore, closing the accounts was not fair given the foreign address was set accidentally just to get a new card. 

I've started a few support cases with no resolution. 

Customer support case ids : XXXX, 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 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account XXXX has violated my rights. Or a list of inquiries : 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

I have been working on my TransUnion credit profile and I noticed there are incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT names that should be deleted are XXXX, XXXX, M and there is XXXX, XXXX, M The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, This letter is a formal complaint that you are reporting inaccurate credit information. The report I received published by your company contains a series of items that should not be on my profile. The accounts in question are listed below. Please send me copies of the documents that you used prior to reporting these items on my credit profile to verify the accuracy and legitimacy of the accounts listed below. 

I called and spoke with a representative of your company last month and questioned these items. The representative told me the items had been verified but could not provide me with any information on what documentation had been submitted by the companies that proved that it was accurate before you reported these accounts. She only repeated that I had to contact the companies directly. The information youre reporting is not what other bureaus are reporting. How do you know your information is correct? It is the responsibility of EXPERIAN to ensure that the information being reported is accurate and factual. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately and all negatives effects that have impacted my credit. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my credit worthiness.

Under the FCRA 15 U.S.C. 1681i, ALL UNVERIFIED accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

The following accounts are being reported and must be verified or deleted as soon as possible : XXXX XXXX XXXX XXXX OPENED XXXX {$490.00} ACCT # XXXX XXXX XXXX XXXX OPENED XXXX {$1000.00} ACCT # XXXX Thank you for your cooperation in and prompt response in resolving this matter. 



XXXX XXXX
Product: Checking or savings account

I handed the bank teller XXXX dollars. The teller said there was only XXXX. I requested an audit but the manager told me there is no camera at the drive thru service neither in customer side or the teller side. The bank is Wells Fatgo Bank  at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. My bank checking account is XXXX. The bank manager is XXXX.
Product: Student loan

I paid my loan off in full with Mohela approximately XXXX of this year. 

Mohela made an autopayment from my checking account after I paid in full- the account overpaid, and I was owed money. 

Mohela said the money will be returned to me within 6 months. 

Mohela 's new portal has no history of payments, says my loans are paid in full, does not show the overpayment. Mohela continues to owe me money and does not have any records of my payments and the overpayment available. 

I want my money
Product: Debt collection

United Collection Bureau, acting on behalf of XXXX XXXX XXXX XXXX, attempted to collect a debt without offering an opportunity to dispute it. The first acknowledgement of this debts existence was on a credit report collection with absolutely XXXX prior contact whatsoever. I will state under oath, notarized, and in court, that neither XXXX XXXX XXXX XXXX nor UCB ever called my phone, sent me a correspondence, communicated with me, emailed, or anything that could be conceived as an opportunity to dispute this debt. Having received no contact or knowledge of its existence, I was unable to respond ( intentionally by UCB ) to their " 45 days to dispute '' attempts. Had I been made aware of a debt or balance I would have immediately disputed it, and offered my insurance cards, for which I had two healthcare insurance providers one from XXXX with a fully met deductible, and one from XXXX XXXX XXXX under the XXXX also with a fully met deductible, that would have covered 100 % of any medical expenses. Because UCB denied me this opportunity they are using predatory collection practices to coerce people into people debt that does not belong to them whether due to faulty insurance filing or incompetent medical staff. 

UCB made XXXX efforts to validate this debt, and XXXX efforts to dispute the debt, and XXXX efforts to work out any arrangement should the debt have been validated. I am someone who lives below the poverty line, I had a negative income tax return, and I make under {$20000.00} per year off government assistance. 

I was contacted by a XXXX XXXX of UCB who falsely stated via postal mail that I had the opportunity to dispute the debt and declined. They sent notification of my right to dispute the debt -six months- after the deadline, and -after- it was reporting to my credit report and -after- I requested to know why it was there. If this debt had been validated I would have made a payment arrangement to prevent it from being reported on my credit or entered into one that guaranteed its immediate removal.
Product: Debt collection

I made my payments to XXXX XXXX up until my card was compromised 2015, in which I reported to them & requested my card to be closed. However, they did not & instead charged me numerous late fees & then reported me for collections. This was my first ever credit card & it truely ruined things for me, I have disputed this many times throughout the years with no luck. I am trying to rebuild & establish a relationship with creditors but my collections account is getting in the way.
Product: Credit reporting or other personal consumer reports

i reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the accounts that i have included a screenshot insude the dates of XX/XX/year>, and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached.
Product: Debt collection

On XX/XX/2019 I received an email from a XXXX notifying me that there was a derogatory mark on my credit report. It says that I owe {$1200.00} to a company named LVNV Funding which I have never heard of. I was not notified of this prior to the derogatory mark nor was I given any information about this company. I wasnt given a chance to dispute either.