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

We found that someone took XXXX out of our checking account to pay a credit card that was on bill pay ( XXXX to be exact ). I don't have a XXXX credit card. I did 2 years ago but I haven't had anything to do with them in that time frame. Someone from Wells Fargo took that money out of our checking and paid someone's XXXX card. I don't exist with XXXX. Bank said I did it when I didn't ( card doesn't exist ). 
I ask them where the money is and they don't know. And they have continued to ignore us. 
Last I heard was that I had to prove that I didn't do it. I did prove it. I don't have a XXXX credit card.
Product: Checking or savings account

Hello, I'm XXXX XXXX. Chime closed my account on XX/XX/XXXX due to a scam incident, citing inappropriate language without clarification. Despite numerous attempts to contact customer support, they provide no information or assistance. Redirected to email, each response is a repetitive copy and paste message. I've received over XXXX identical emails, and the issue remains unresolved. I'm concerned about the promised check with my remaining balance, due 30 days after closure on XX/XX/XXXX, as XXXX  is XX/XX/XXXX, and I haven't received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an unverified public record of a bankruptcy on my credit report. The court has verified to me that they did not supply this information to any credit reporting agency. I disputed the account with Transunion who responded and said that they verified the account with XXXX. Well, XXXX has deleted this account from their record because they could not verify it. Again, this is an UNVERIFIED ACCOUNT.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : Account name : XXXX XXXX Account number : XXXX Account balance : {$2000.00} Date opened : XX/XX/2023 Account name : XXXX XXXX Account number : XXXX Account balance : {$100.00} Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX  credit card and they switched from their original issuer to Capital One issuer. I experienced several problems with Capital One. I have a lot of credit cards and never had this problem before. 

I didn't receive their bill via mail like I originally signed up for when I opened my XXXX XXXX credit card. I paid the first bill late since I didn't receive a bill in mail ( got an email said my payment was late ). They waived first late fee. The second time the payment was a few days late and they refused to waive the {$35.00} late fee and I escalated to a manager. I discovered that I was not being mailed bills - the Capital One representative said that when I logged into my account their system defaults to electronic billing, which I don't use for any of my accounts and didn't sign up for. I don't like that they switched my billing without my permission. It feels like bait and switch so they can avoid mailing costs.

Request : Repair my credit file for Capital One XXXX XXXX credit card late fees. I paid the full purchases prior to canceling the Capital One XXXX XXXX  credit card. I have a great credit history until this problem with them not mailing me a bill. They charge me late fee on top of late fee on top of late fee even though I canceled the card in XXXX and I'm still getting late fees added. It started with {$35.00} late fee and they keep adding on each month I don't pay the late fee. I don't think I should have to pay a late fee since it was their mistake.
Product: Credit card

In XXXX of XXXX I booked a long distance auto shipping service from XXXX XXXX XXXX over the phone. Each call was recorded by XXXX XXXX XXXX. They provided me a quote of ~ {$300.00} to ship my car from Florida to Illinois. I called several times to check-in on the status of my shipment, each time, my representative, XXXX XXXX , assured me that the transaction was proceeding as planned. 

Unfortunately ~XXXX hours prior to my scheduled pick up time, XXXX XXXX admitted on a recorded line that she had been unable to find a driver for at least the prior seven days, and that she had not been truthful with me. She forced me to pay XXXX the money to move my car. While it is true that my car was shipped, she lied about the service she provided as a XXXX and she purposefully waited until I did not have reasonable time to find alternative accommodations to inform me of any issue. 

Given I did not receive the XXXX service for which I paid, I contacted Goldman Sachs bank to dispute the transaction. The representatives I spoke with understood my complaint, one agreeing it was unethical over text, and opened a dispute on my behalf. Unfortunately, Goldman Sachs bank denied my dispute and sided with the merchant on several occasion. Each time I reopened the complaint I was told repeatedly that they understood my complaint and that they would reopen it for further evaluation. 

On XX/XX/XXXX, XXXX, a disputes representative informed me that he did not see reason to reopen my dispute as he had not seen sufficient proof to substantiate my claims. I told XXXX that XXXX XXXX XXXX recorded each of our phone calls, and XXXX replied stating the merchant can provide whatever evidence they see fit. In other words, XXXX informed me that Goldman Sachs had no intention of requesting the evidence from the merchant that could substantiate my claims. I reached out to another representative on XX/XX/XXXX and he informed me that the burden to prove I was scammed was exclusively on my part and that they will not ask the merchant for additional details. 

Goldman Sachs has admitted that they view each of their clients as guilty until proven innocent and that they will not take any action to advocate for their customers against predatory merchants.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  has reported account as delinquent. 
But at the same time reports payments made and all showing ontime. 
All payments have been made within the time frame so as not to be delinquent. 
Due to the delinquent status it is preventing me from closing on a home this coming week. 
Weve disputed with the bureaus and XXXX which state it will be reviewed within 30 days. 
We requested an expedited review due to the current situation and were denied and told 30 days. 
The information reported to the credit bureaus by XXXX shows payments as all current and on time. But has flagged the account as XXXX daysdelinquent. Not more than XXXX payments past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mail a copy of my drivers license, social security card, police report and FTC identity theft report. I received a update on the dispute yesterday XX/XX/2021. The bankruptcies and XXXX XXXX CONTINUE to remain reported on my personal credit. I submitted the police report and FTC identity theft report showing the disputed items were a result of ID THEFT and therefore I supposed to be removed. They HAVE NOT BEEN DELETED FROM MY PERSONAL CREDIT REPORT. Though only 1 item in the police report was removed. At This Time I Am Unsure Of Why The Bankruptcies Continue To Remain Even Though I've Submitted A POLICE REPORT AND FTC IDENITY THEFT REPORT. THIS IS THE LAST TIME I AM GOING TO REQUEST REMOVAL OF THIS INCORRECT/FRAUDELENT INFORMATION BEING LISTED ON MY PERSONAL CREDIT REPORT. ESPECIALLY WHEN I HAVE TAKEN THE PROPER STEPS TO SUPPORT THE ID THEFT CLAIM. IVE ALSO SUBMITTED THE SUPPORTING DOCUMENTS AS WELL TO NO AVIL. IF YOU ALL DO NOT REMOVE THE NEGATIVE INFORMATION I WILL BE FILING A CIVIL LAWSUIT AGAIN YOUR COMPANY. AS YOU ALL ARE VIOLATING MY RIGHT TO DISPUTE INCORRECT INFORMATION ON MY PERSONAL CREDIT REPORT. YOU ALL CONTINUE TO REPORT INCORRECT FRADULENT INFORMATION KNOWINGLY AFTER IVE SUBMITTED INFORMATION TO SUPPORT THE ID THEFT CLAIMS. 

NO ONE SHOULD HAVE TO SUBMIT 10 DISPUTES EVERY YEAR TO GET INCORRECT INFORMATION REMOVED FROM THEIR CREDIT REPORT. THIS IS JUST UNACCEPTABLE AND IS IN FULL VIOLATION OF MY RIGHTS PER THE FCRA. 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

Inaccurate Credit Reporting This notice is to inform you that due to various concerns regarding a lack of fair and accurate credit reporting. The information being reported has caused me damages.

This inaccurate credit reporting is a misrepresentation of my person. Reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers under the fair credit reporting act. It is my belief that the information being reported has NOT been investigated upon insertion to my consumer report. I am a private American and my person is trust property.

Furthermore, I am aware that the Secretary of State records all business transactions under the Uniform Commercial Code ( UCC ). I have attached a Certificate of Financing statement from ( Arizona ) Secretary of State. Search Criteria shows NO RESULTS FOUND for ( insert your name ALL CAPS ) to pay any financial obligation. I AM A CONCERNED CONSUMER WONDERING WHY YOU ARE REPORTING DEBT THAT DOESNT BELONG TO ME. 
XXXX, Experian, XXXX, you are reporting the below account ( s ) that are not an obligation to my name according to the Secretary of State.

Accounts : 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 or other personal consumer reports

I filed disputes with Experian, XXXX, and XXXX and they continue to either send stall letters or don't do an actual investigation and the inaccurate information remains and continues to impact my credit negatively. The credit bureaus refuse to pay me {$1000.00} per violation which equals the minimum of {$10000.00} which should be enforced as determined by the disputes I have filed and the companies refuse to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I do not recall authorizing.
Product: Credit reporting

I called Equifax in regards to a dispute the agency placed on the XXXX account and asked for the dispute to be removed. One agent told me it would be updated right away, his supervisor told me it would be removed within 24 hours, another agent told me 72 hours, and the last representative told me a request was never even input, and provided me the above case information. When I talked to another representative again, she said there was nothing pending removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Reason Code : Violation I have been informing Equifax in writing since XX/XX/XXXX about inaccuracies regarding a Public Record they are reporting on my credit report. They have failed to perform a proper investigation and continue to claim the Public Records have been verified as accurate and/or verified by XXXX XXXX a third -party vendor. This went on from XXXX through XXXX. 

Next, I received a letter from Equifax in XX/XX/XXXX stating the disputed items have been verified by the Credit Grantor ( s ) and that they will NO LONGER investigate unless I sent documents to support my dispute. Again, I sent them all information to support my dispute. 

Finally, they noted on my report that my dispute is not specific. However, Ive been very specific about this matter. I included a copy of the original dispute asking them how they verified this information because information regarding the Bankruptcy wasnt correct. A list of the errors has been outlined on numerous occasions, sent letters via certified/ signed receipt along with a copy of the credit report highlighted in yellow. After they kept telling me it was verified, I reached out to the Federal Courts via- telephone and in writing, asking if they furnished information to the bureaus about my public records and they informed me they do not confirm, furnish or verify public records with no one. The court mailed me a letter reiterating what they had informed me over the telephone. I then forwarded a copy of that letter, another detailed list of inaccuracies regarding the Public Records, a copy of my XXXX XXXX letter that also indicated my information was suppressed, a copy of my utility bill, drivers license and utility bill as proof of my residency. Regardless of what I have sent, they have not fully investigated this account. Im requesting this item is deleted from my report. 

XXXX is also in violation and continues to state verified. However, they report they sent me on XX/XX/XXXX XXXX shows the last date they updated information regarding my Public record disputes was XX/XX/XXXX. Again, I've been disputing for four months. 

XXXX  s also in violation. Their report dated XX/XX/XXXX states the item remained unchanged from their processing of my dispute in XX/XX/XXXX. Again, I've been disputing for four months
Product: Credit reporting, credit repair services, or other personal consumer reports

The accordance with Fair Credit Reporting act these accounts has violated my rights. 

XXXX XXXX XXXX Account # XXXX U.S. Bankruptcy Court Reference # XXXX U.S. Bankruptcy Court Reference # XXXX U.S. Bankruptcy Court Reference # XXXX 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

They are calling my employer sailing they are XXXX telling my employer false statements ruining my name
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Privacy Act of 1974 ( 5 U.S. Code 552a ) The Fair Credit Reporting Act 15 USC 1681 section 602 a states " Theres a need to insure consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 15 USC 6802 ( b ) ( c ) states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I want to make sure my privacy is not given out or shared with anyone according to 15 USC 6801 that says It is the policy of the Congress that every financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written\un written verbal and non-verbal per 15 USC 6802. this IS EFFECTIVE Immediately AND Indefinitely. 
XXXX, Experian and XXXX are not maintaining reasonable procedures.
Product: Credit card or prepaid card

I called HSBC bank to do a balance transfer from XXXX XXXX  in the amount of {$4100.00} HSBC bank systems took over after I already spoke with the HSBC agent that helped me do the balance transfer over the phone and sent {$850.00} to the wrong account agent said it was a system error on HSBC part it went to the wrong account then the system took over again and did a {$3300.00} transfer to XXXX XXXX. Still today I did not authorize a {$3300.00} transfer I authorized {$4100.00} transfer this has been going over for a month now trying to get this fixed I spoke with head supervisor no credit card department mr. XXXX as he promised he would fix this situation immediately every time I call he is unavailable and it is still unresolved and it is a fraudulent transfer that has not been authorized for {$3300.00} only for {$4100.00} has been authorized I need help to resolve this as I am getting nowhere
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries and credit on my credit report that has nothing to do with me.I have done a XXXX report and I feel as if i am being taken advantage of from XXXX, XXXX and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Dear Consumer Financial Protection Bureau, To whom can help me, my name is XXXX XXXX and I have been struggling back and forth with Experian who has violated my rights and has violated many of the FCRA Laws that are put in place to protect victims like me of a credit bureau reporting anything that comes to them WITHOUT the proper full verification and validation. Below are a few among many violations : 1. Failing to Follow Proper Procedures 2. Privacy Violations 3. Continuing to report inaccurate, unverifiable, and unvalidated information on my account 4. Failing to investigate inaccurate items properly and thoroughly 5. Failing to produce any signed contracts, documents, or proof on how they have verified The FCRA states the bureaus must verify all information that they get from banks, credit card companies, loan companies before it's put into your credit report. Before placing any item on a credit report Experian must verify any account with signed documents, contracts, or original signed documents.

Experian is placing information onto my credit report without proper verification, thus conducting business in an unethical manner. There have been countless complaints on Experians unlawful behavior, 141,194 to be exact. They are not following the correct procedures and continue to violate the lives of many citizens in the United States of America.

Experian has not been able to provide me with any contracts with my signatures nor can they verify the accounts with the contract or document ( a statement/bill is not proof of debt/evidence ) therefore the account on my credit report is unverified and under the FCRA ANY UNVERIFIED ACCOUNT MUST BE DELETED.

An Experian representative has explained to me that accounts are under an unknown address. I have disputed this inaccurate address for a few months now but I have not received any help from Experian. 

Experian remains an unchecked credit bureau and has ruined and continues to ruin the lives of many by having the freedom to report anything without proper procedures. Please be informed that this is also an intention to file a lawsuit against Experian if this information is not removed. Experian has been going in circles and unethically damaging my credit report by stating that the following accounts have been verified but they have not. I can not allow this atrocity to continue by this unchecked company. I demand the following accounts to be deleted : { Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Status : Closed - {$0.00} } { Account Name : XXXX XXXX Account Number : XXXX Status : Closed - {$0.00} } { Account Name : DEPT OF EDUCATIONXXXX Account No : XXXX Status : Closed } { Account Name : XXXX XXXX Account Number : XXXX Status : Closed - {$0.00} }
Product: Checking or savings account

So its my understanding that Wells Fargo has done some shady things in XXXX of 2022 they closed my account because they think Im at risk and I told them I had a XXXX and they still denied me to have my account back I mistakenly reported some charges that I did no intend to do that it was childish of me to do that but I begged them to keep my account active they chose not to have me on their account as I had multiple complaints on the account from the fraudulent charges from XXXX XXXX that was closed I tried to explain the situation to the representative that I had a XXXX and they didnt care to have to listen to what I had to say my father passed away back in XXXX of last year and I tried to explain to them I was going through a hardship with my father already dead and wanted to take those reported charges off because I have a XXXX XXXXXXXX and it was totally handled unprofessionally I really would like some relief for them closing my account for their behavior towards me Wells Fargo could have handled it better it was an honest mistake for reporting the charges on accident and they still didnt care that I had a XXXX and handled it the wrong way I would like to have a relief check to compensated me for all this chaos and I have turned in a mediation request form and Im still waiting for a reply or a response Im hoping some one will call me sometime this week to discuss this matter I have a XXXX XXXX called XXXX and have had a rough time with coping with things I been with Wells Fargo for 9 years until things got messed up and now that Im hearing that Wells Fargo got in trouble again for closing peoples accounts in an sec complaint and thats totally wrong very wrong I was in the same situation before and nothing was done or handled properly so Im hoping for a compensation check my old account number is XXXX Im very upset how Wells Fargo treated a XXXX man very wrong the federal court stuff is all over I just want some compensation for the trouble they gave me and hurt my feelings by closing my account Im not to happy with all that and the court stuff is dismissed so we need to take care of this matter soon thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and ultimately on my financial wellbeing. This has been hurting me as I am in the process of buying home for my family and caused financial and emotional distress upon me and my family. XXXX. XXXX- XXXX
Product: Money transfer, virtual currency, or money service

I am an XXXX XXXX in the United StatesI was scammed by a phone call from a fake XXXX consulate in New York and tricked into transferring {$100000.00} to the scammers by having my chase bank account. I then transferred {$100000.00} from XXXX bank to the scammers ' Signature Bank account.