23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won XXXX XXXX XXXX in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

This is your final warning. Please remove the following items listed on my fraud report & 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
Product: Credit card or prepaid card

On XX/XX/22, my pre-paid credit card had a credit of {$2700.00}, I had called citi bank to request a ACH back to my checking account. Today is XX/XX/22 and I still did not get my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 - refinance mortgage with XXXX XXXX XXXX  XXXX. Paid off Home equity line of credit ( Heloc  ) May- XXXX  XXXX XXXX XXXX ( XXXX ) mistakenly reports Heloc delinquent XXXX I contact XXXX, file complaint with TransUnion , XXXX and XXXX Credit score drops 100 points to XXXX. 
XXXX  sends all three correction and removes negative comment XXXX Credit score corrected XXXX Credit score dropped again Filed another complaint with XXXX and TransUnion XXXX Credit score corrected XXXX Credit score drops AGAIN at TransUnion Filed another complaint XXXX repeatedly has contacted TransUnion and they fail to correct .XXXX XXXX, reporting agency used by XXXX also reports low score but NEVER corrects XXXX Credit Score corrected by all three Mid XXXX ( now ) TransUnion drops score again to XXXX because of non existent delinquent payment. Contacted XXXX XXXX XXXX for third time. She continues to try to help. 
I've saved emails and screen shots of rollercoaster credit score from XXXX XXXX
Product: Student loan

I have signed up for the XXXX XXXX and yet I was an updated on my plan. I received my billing statement and I can not pay it. I can not pay it because I don't make that much money in order to pay it off which will cause me to lower my credit score.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint Submission Personal Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX Phone Number : XXXX Email : XXXX Bank : XXXX Account Number : [ Full Account Number ] ( Ending in XXXX ) Complaint Details : Company Information : Experian Complaint Against : Unauthorized Charges and Lack of Account Evidence Description of the Issue : I am filing this complaint against Experian for making unauthorized charges to my XXXXXXXX XXXX account ending in XXXX, which I opened on XX/XX/XXXX. Despite never signing up for or authorizing any services from Experian, my account has been debited multiple times. Moreover, Experian has failed to provide any evidence of an active account under my name that would justify these charges. 

Transaction Details : - Debits from Experian : - XX/XX/XXXX : {$26.00} - XX/XX/XXXX : {$26.00} - XX/XX/XXXX : {$26.00} - XX/XX/XXXX : {$26.00} - XX/XX/XXXX : {$26.00} - XX/XX/XXXX : {$26.00} - Credits to My Account from Experian : - XX/XX/XXXX : {$26.00} - XX/XX/XXXX : {$26.00} - XX/XX/XXXX : Two credits totaling {$53.00} - Additional Unauthorized Charges : - XX/XX/XXXX : Two charges of {$26.00} each - XX/XX/XXXX : {$26.00} - XX/XX/XXXX : {$26.00} Attempts to Resolve : Upon discovery of these unauthorized transactions, I contacted Experian to dispute the charges and request a refund. However, Experian has been unable to present any documentation or evidence of an active account or service agreement in my name. 

Desired Resolution : I am seeking a full refund of all unauthorized charges debited from my account by Experian, totaling [ Total Amount of Unauthorized Charges ]. I demand immediate action to refund these amounts and assurance that no further unauthorized charges will occur.
Product: Credit card or prepaid card

HAVE BOA WRITE ME BY USPS MAIL WHETHER OR NOT I MET MINIMUM PAYMENT FOR MY CREDIT CARD AND CONFIRM MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX AND I NEED TO KNOW IF BOA TAKES THE MINIMUM FROM MY CHECKING TO PAY MINIMUM AND I NEED SOMEONE TO CALL AT BOA. 

BOA ONLY WANTS APPS TO CONTACT. BOA DOES NOT DEAL WITH PEOPLE, ONLY MACHINES. 

DONT DEAL WITH THIS BANK. IT XXXX
Product: Debt collection

I was just called by an automated system on XX/XX/XXXX at either XXXX at XXXXCST or  from XXXX at XXXXCST and stated a complaint had been filed against me, gave me the account # # XXXX and that I needed to call them. at XXXX. 

I called and a gentleman ( putting it kindly ) by the name of XXXX XXXX essentially said are you " my name '' and I said yes. He stated I owed {$440.00} to " Ace Cash Express '' and I said who is that. Then he basically berated me for about 45seconds without me saying anything then told me I'm suing you for over {$2000.00} in court or pay me the $ 400+ amount and hung up.I didnt even have a chance to say okay I'll pay. Even though I dont know who this gentleman is. 

I've called the Ace Cash people and they dont have any knowledge of it. I'm not sure what to do. I have a good job, make decent money and can afford to pay it if I owe it. However, I dont know what this if for. I've never received a bill or any documentation. If I owe a debt I have no problem paying for it. The only debt I currently have is my mortgage and student loans. My XXXX and XXXX are paid and I'd like some help figuring out what to do. I wont use the words he used but this really upsetting. XXXX XXXX number is XXXX I do remember getting a payday loan back in the early XXXX 's era but paid that. 

I would appreciate any assistance you guys can provide me. Many Thank, 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  Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX  XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX  XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX  Account : XXXX 15USC 1681 section 602 A States I have the right to privacy 15USC 1681 section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items or information. Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years.

15USC 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 made previous attempts to resolve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

No open account associated with these inquirirs and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX. XXXX XXXX. my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 Credit Inquiries Credit Inquiries - Summary XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/inquiries 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 Date of inquiry : XX/XX/2022 ), and ( INFORMATIVE : Date of inquiry : XX/XX/2022 ) 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.
Product: Credit card

On XX/XX/XXXX, I purchased gasoline at the XXXX in XXXX XXXX, NJ. I have a XXXX XXXX XXXX that holds XXXX gallons of gasoline. The price per gallon was XXXX. The maximum amount I could have spent was {$68.00}. 

The attendant started filling my car but for some reason stopped with my gas gauge showing slightly before XXXX full. I told the attendant that the tank was not full. He than requested my card to swiped it and continue filling the tank. I asked for a receipt for the first charge but he said he could not provide one since he had swiped my card again. After filling the tank, he provided me with the receipt for the second filling which totaled {$42.00}. The two charges total {$64.00}. ( {$22.00} and {$42.00}. These charges were initially listed on my Costco Visa Credit card account in the order {$22.00}, {$42.00} and {$40.00} ). Those two charges are correct as the vehicle had less than 1/8 of a tank of gas left. Costco has cameras that record the gas station. The response from Citi Cards states that they reviewed the response for Costco and have agreed with them. They said Costcos response was attached. It wasn't. Citi Cards have reversed the credit on my account. Bottom line, my card was charged an additional {$40.00} for gas that I did not receive! Costco has all the information to review their cameras and confirm what I am stating. Thanks for your assistance in the matter. A copy of this was also provided to Citi Cards to continue my dispute.
Product: Credit reporting or other personal consumer reports

Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$4200.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I open an checking account with wells fargo last year. I used my overdraft that was a service availableto me as A checking account holder. Shortly after I miscarried and was off work for a few months. As A result I faced some finacial hardships and was unable to bring the account to A positive balance. A family member willing to help me keep the account wrote me a check to cover the over draft and I would have a few bucks left. I deposited the check and the next day I was advised by the family member they wront the check from the wrong check book and that I needed to stop the check from going threw. I contacted wells fargo and advised but XXXX of the check had already become available. The lady said it would put the account back in overdraft and that they could not reverse the check as it has already been deposited. That brought my balance to A negative XXXX or so. I went to pay this balance and reopen an account and was informed I was showing on early warning consumer report. I requested a copy and to my surprise wells fargo and has reported the account closed due to account abuse. Which was incorrect information. The account was closed due to the overdraft balance and I didnt resolve it in a timely manner due to me being off work from a XXXX. I reached out to wells fargo and was informed somebody would contact me to get this inaccurate reporting removed from early warning and allow me to pay the balance I owed. It has been over aonth and no response from neither early warning or wells fargo.
Product: Payday loan, title loan, or personal loan

This company has been harassing me on my mobile device and calling my place of employment, they have been threatening that a locator has been looking for me and they are trying to take me to jail because the loan was not paid off. The reps in which Ive spoken with today XX/XX/2018 were very rude and told me that the company WILL receive their money by any means. I am very disappointed that they are and have been harassing me like so. I asked the rep how much did i owe she gave two different amounts in which one amount i have no clue of. I asked about an installment plan but she was beyond demanding about receiving my funds after me telling her that Im unable to pay at this moment. Also i havent yet to receive anything in writing from this company demanding money.
Product: Credit reporting or other personal consumer reports

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 XXXX Department TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a collection account that appears on my credit report. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with a validation notice within five days of their initial communication. This notice must inform the consumer of their rights to dispute the debt and request verification. If this validation process has not been properly followed, the collection account should not appear on my credit report. 

I have not received proper validation of the debt in question, and I am requesting that this account be removed from my credit report unless proper validation is provided. The presence of an unverified collection account is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the collection account from my credit report if it can not be properly validated. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

As outlined in 15 U.S.C. 1692g, consumers have the right to : Receive a validation notice informing them of the amount of the debt and the name of the original creditor. 
Dispute the validity of the debt within 30 days of receiving the notice. 
Request verification of the debt before any further collection efforts are made. 
If the collection account on my credit report does not meet these criteria, it must be removed immediately. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1692g Validation of Debts This section of the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide consumers with a validation notice within five days of their initial communication. This notice must include : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A statement informing the consumer of their right to dispute the debt within 30 days. 
A statement that if the consumer disputes the debt, the debt collector will obtain verification and provide it to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy is reporting incorrect information.
Product: Money transfer, virtual currency, or money service

I was victim of a scammer on the XXXX XXXX. I was scammed out of {$650.00}. I within minutes of realizing the scammer took my money I called the customer service line for the XXXX XXXX XXXX. The card is claimed online to be powered by the Branch App and backed by a business checking account at XXXX XXXX XXXX XXXX. After filing the dispute for the scammed money that was lost I waited 10 days for a generic reply saying they found no fraud. I have tried multiple times to contact someone from the fraud department for Branch App. The customer service agents do not have any contact information for a single person that works in the department. They only way to contact the department is by email that only gives generic responces. After a month of trying, I have not been able to speak with a single person working in Branch App Fraud department. I Contacted customer service at XXXX XXXX XXXX XXXX the FDIC bank that is suppose to hold the accounts for Branch App and the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX customer service said Branch App is a partner company and they dont have access to any of Branch App or XXXX XXXX XXXX  customer accounts and refered me back to Branch App Customer service that doesnt have any way to contact its own fraud department other than email. I am in belief that the Branch App and XXXX XXXX XXXX do not actually have a Fraud department and they are implementing a computer program to send generic responces to meet the 10 window to respond to fraud claims. After a month I have not been able to speak to a single person that works in the fraud department for the XXXX XXXX XXXX through Branch App.
Product: Credit card or prepaid card

Last year PNC bought my bbva credit card. I have Not received any statements from PNC. When I called in XXXX they manually generated one and said they would send more, that is the only statement I have ever received, they claim they sent them and it must be the post office, this is not believable that I would receive one manually generated statement and no others for almost one year, I have called multiple times with no resolution, I call every month to make a payment by phone only then finding out my minimum payment due. I asked for an address to send a written notice of billing errors and they claim they have no such address for billing claim errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHECKED MY CREDIT REPORT AND NOTICED THESE FRAUDULENT ACCTS.    XXXX XXXX XXXX    Account Number: XXXX****   date opened XX/XX/XXXX  amount $XXXX XXXX XXXX XXXX XXXX    Account Number: XXXX**             date opened XX/XX/XXXX  amount  $$XXXX    XXXX    Account Number: XXXX****      amount $XXXX   date  :XX/XX/XXXX   XXXX XXXX    Account Number: XXXX****     date opened  XX/XX/XXXX    amount $XXXX XXXX    Date of inquiry: XX/XX/XXXXXXXX XXXX XXXX    Date of inquiry: XX/XX/XXXXXXXX    Date of inquiry: XX/XX/XXXXXXXX XXXX    Date of inquiry: XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per request, XXXX account was closed on XX/XX/XXXX. XXXX and Experian account is currently reporting as past due as of XX/XX/XXXX. ( See attachments reflecting both CRA 's reporting incurrent information. ) A closed account can not be reported as past due, delinquent or late. This inaccurate information is causing harm to my reputation.
Product: Bank account or service

To whom it may concern, I opened a Citigold checking account XXXX/XXXX/XXXX with the promotional code XXXX that I can receive XXXX advantage bonus miles. The promotion required { {$1000.00} } in debit card purchases and 2 consecutive months of bills paid online. I have fulfilled these requirements in XXXX/XXXX/XXXX, and was confirmed over phone that I would receive my miles in my account. The representative said that I was qualified and eligible, and I would receive the miles within 90 days ( by the end of XXXX ). However, the date I was supposed to receive the bonus has been past and I called several times and I was told every time that the review or investigation was going on my account. In the meantime, I have been charged service fees third times while waiting. Until recently, I requested the reviewer results and citi stated that since I was not 'targeted ' so that I would not be eligible for the promotion. Actually, the terms and conditions of the promotion does not mention needing to be targeted. Meanwhile, I notice that many reports online showed the same situation for other people, and people can only get the promised bonus by compainting via CFPB. I hope Citi will fulfill their promise of this promotion. 
I appreciate your help! 
Thanks!
Product: Checking or savings account

USAA Federal Savings Bank put a freeze on my checking account without any notification. I discovered this Friday XX/XX/XXXX when I was trying to use an ATM before an salon appointment where I needed the cash. 

They disable their mobile app on my phone. The rerouted my calls to them to an automated message telling me to call back on Monday. I called them with my boyfriend 's phone and low and behold I got to take to a human who was incredibly rude and would not tell me what was going on. 

I've had to cancel all plans that required cash, so no farmers market this weekend. I have a rent check out that hasn't been cashed yet that I'm worried will bounce. 

There is absolutely no unusual transactions in my account. Just the same deposits and checks that I have done monthly for years now. It takes two paycheck cycles to change my direct deposit. 

This is abusive and distressing and a huge waste of my time. What can I do?
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaucomplaineds, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.