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

On XX/XX/2023 I attempted to withdrawal {$200.00} out of my checking account. The ATM froze while showing your cash is dispensing on the screen. I filed a dispute and on XX/XX/XXXX Arvest bank gave me the {$200.00} back in my account. On XX/XX/2023 Arvest bank took the {$200.00} back out of my account. Their reason was, following the investigation the ATM audit came back as if the money did in fact dispense. But it did not. So I filed a police report with the XXXX Arkansas police department regarding this mishap because I can not request video footage showing that I did not get the money from the ATM. So I figured the police department could. But as of today, nothing has happened. And I can not file another dispute unless I have more evidence to support me.
Product: Credit card or prepaid card

I tried to schedule a payment for my Bjs XXXX XXXX that was due on XX/XX/2022, but the website was down. I contacted the company multiple times who assured me my payment was received and that my account was in good standing, but when I log in my account says past due. If I try to pay again the website will not let me as it has already been scheduled. I contacted them again on XX/XX/XXXX and XX/XX/XXXX and they still have not resolved this issue, despite it being on the news that their websites are down and they are charging consumers fines when the technical issue is on their end. 

Any assistance would be greatly appreciated as I have never missed a payment and am always timely with bills. 

Thank you sincerely.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Wells Fargo sent me 6 letters in XX/XX/XXXX stating that they have used my personal information to enroll me in XXXX XXXX XXXX program from XX/XX/XXXX, through XX/XX/XXXX, XX/XX/XXXX, through XX/XX/XXXX, XX/XX/XXXX, through XX/XX/XXXX, and XX/XX/XXXX, through XX/XX/XXXX. They can't provide me the dates for the other XXXX letters. They sent me several checks to reimbursed me for the fees and we went through XXXX arbitration meeting on XX/XX/XXXX, but they did not provide me with the settlement amount that I requested.
Product: Checking or savings account

cashapp support and XXXX bank replied on to determine the outcome of the dispute claim in the case number
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED USDOE/XXXX  US DEPARTMENT OF EDU US DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED USDOE/XXXX  US DEPARTMENT OF EDU US DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May  Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED USDOE/XXXX US DEPARTMENT OF EDU US DEPT. OF EDUCATIO
Product: Debt collection

I contacted the university i graduated from to purchase a new copy of my diploma with my updated last name. The university sent me an email shortly after stating my account was in collections and they could not honor my request. They sent me the name of the collections company that owned the account, XXXX. I contacted the number provided, XXXX ( XXXX ) XXXX, and was told by a representative that she could not access the account but she did see the chapter XXXX bankruptcy information added. She then provided another number XXXX, and a gentleman tried to contact my account owner but was unable to access the account as well. He provided me with the VP name and number, XXXX XXXX at then told me to contact her directly for status update. 

I filed chapter XXXX bankruptcy with case XXXX FL on XX/XX/XXXX and the case was discharged on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The ethos of 15 USC 6802 ( b ) ( c ) stipulate that a financial institution, such as the furnisher of information to credit agencies, can not disclose nonpublic personal information to a nonaffiliated third party without informing the customer of their nondisclosure option. Yet, I was never enlightened of my right to exercise this optionXXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX  Balance : {$17000.00}, XXXX XXXX Date opened : XX/XX/ Balance : {$0.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase at XXXX for {$17.00} ( Including Cal Tax ). On XX/XX/XXXX, I returned the item with full refund and bought another item for {$58.00} ( Ca tax not included ). Therefore, the new receipt should be ( $ XXXX {$17.00} ) + Cal Tax The correct bill should be : {$40.00} + Ca Tax XXXX + {$3.00} The correct bill should be {$43.00}. Here attached are the related transactions. 
As soon as I noticed Comenity Capital/Sephora overcharged me, I took my receipts and confronted the manager at XXXX, XXXX XXXX XXXX Ca. Unfortunately, the manager said they don't take care of errorneous billings. So, I tried to contact Comenity Capital in writings on XXXX. Unfortunately, they did not take much action to correct it. They responded in a letter dated XX/XX/XXXX saying they will take 90 days to investigate and at the same time, they keep sending me new bills with piling interest on my account and reported my account as delinquent at XXXX.This kind of action is very unethical. This is a harassment. I am willing to pay what I owe, which is {$43.00}. See attachments.
Product: Credit reporting or other personal consumer reports

I sent in fraud documents to Transunion which included FTC report. The documents were in an envelope for a total of 3 documents. Transunion scanned 2 documents but CLAIMED they lost the FTC report. Then on XX/XX/year> at approximately XXXXXXXX XXXX  I was speaking to an agent that insulted my deceased mother.
Product: Debt collection

I dont know the company name. It has disappeared from my texts. One lady identified herself as XXXX XXXX and gave me phone number if XXXX. Said they were collecting on a XXXX XXXXXXXX debt from XXXX for {$6800.00}. XXXX XXXX was going to call me tomorrow with details. I called insurance company and there is no such debt. Meanwhile I gave this company every possible bit of information about me. I think on my caller id it was Nelson something. The number I called them back on isnt on my phone log. Besides calling my bank what do I need to do to protect myself?
Product: Credit card or prepaid card

We have repeatedly ( XXXX and XXXX, 2023 ) on the phone been instructed by Bank of America employees to give them the secret numbers from the back of our debit/credit cards as ID, but they have consistently quoted card numbers to us which are not ours, and never have been. This makes it extremely hard to identify yourself and to believe that you are actually talking to a real representative of the bank. Or there might be fraud from within the bank. Over the last few weeks the bank has first blocked our checking account for no reason, and recently one of my credit cards without any intelligible explanation so far.

The details are provided in the attachments, i.e. two letters from the bank and our recent e-mail to the president of retail banking at Bank of America.
Product: Debt collection

I receive a phone call from XXXX saying they are XXXX Credit, that there is a XXXX account in my name, not at my address, that has a bill for {$500.00}. They leave no voicemail, and are never able to answer when you call back. This has been going on for months. I have had my credit checked and fraud alerts on and nothing matches what they are saying is the issue. I need this to stop.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit. 
XXXX XXXX  XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

On Saturday XXXX XXXX, I had account fraud where someone got access to my bank checking and savings account and wired all of my money away to different accounts. 

I contacted my bank ( Wells Fargo ) and opened a claim regarding the situation immediately, upon their investigation, they denied my claim still leaving me with almost a XXXX balance between both accounts with approximately {$2300.00} taken away, leaving me with XXXX between the two accounts left for me to go by. 

The transactions are : Checking : {$130.00} {$250.00} {$500.00} {$400.00} {$200.00} transferred to my savings. 

Savings : {$100.00} {$400.00} {$250.00} Someone got into my account and even transferred the money to my savings to send it away. 

All transactions were through XXXX with the names being : XXXX XXXX and XXXX XXXX Names that are not on my contacts for XXXX or in my phone. 

I have been a loyal customer of Wells Fargo since XXXX with direct deposit from my work paycheck and having a savings set up. 

Never have I had lower than {$800.00} in my account. 

On XX/XX/XXXX, I reached out to Wells Fargo regarding the investigation, they said that I logged into another device and allowed for it to happen. 

I am now seeking help as like everyone else, I have responsibilities to pay off for my day to day needs and as you can see above, I am not a very wealthy person, only someone trying to get by in life like everyone else.
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I contacted XXXX XXXX XXXX through their website about negotiating a settlement of an old debt that Midland sued me for ( the case was dismissed in circuit court ). 
I have not received a response from this company ( Only a response to the e-mail being received ). I requested in my e-mails that the company contact me by e-mail, and provided my current e-mail address to them.
Product: Credit reporting or other personal consumer reports

n 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 : National credit adjust # XXXX Account name : XXXX # XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account name : XXXX XXXX has violated my rights. 


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

A car loan was opened fraudulently in my name by XXXX XXXX on XX/XX/2019 due to Identity Theft with a balance left of {$9100.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt collection from a company that open a account in XX/XX/XXXX. This company XXXX XXXX, has never showed up on my credit report until now because the company was sold to World Finance has bought XXXX XXXX out. I have no reconciliation of this company or the account and now its showing as a charge off on my credit reporting XX/XX/XXXX. It has ever shown on my credit. I reached out to the new company and they told me that they only got the information that the company sent them. How can I remove this from my credit as I have disputed it with XXXX  twice?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX BALANCE {$1300.00} and XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/ BALANCE {$680.00}. Please remove.
Product: Credit reporting or other personal consumer reports

tried to upload my dispute my file was stolen and someone got credit cards and loans in my name please remove these accounts
Product: Credit reporting

My personal information was used by someone else. I filed a police report and would like to know how I can get it off, and if anything else was used without my knowledge.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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

This is a formal complaint against Capital One located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Capital One has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a cease and desist, Affidavit of truth, exhibits labeled with violations of the FDCPA, and an invoice invoking my specified remedy pursuant to 15 USC 1692.c ( c ) ( 2 ) as a federally protected consumer and the original creditor. Capital One Is in violation of 15 USC 1692d ( 1 ) as they harmed and ruined my reputation by furnishing negative information on my consumer reports, and used criminal means to further harass and abuse me by selling or assigning the alleged debt to a third party debt collection Agency who further harassed me with unwanted calls and mail without my permission which is also a violation. Capital one furnished bad debt to the consumer reporting agencies ( XXXX, XXXX, XXXX  ) ruining my reputation, credit worthiness, credit standing, credit capacity, character, and my general reputation as a consumer.
Product: Credit card

Someone has my social security number and tried to open bank accounts and credit cards with my number, Ive managed to put a security freeze on tbe accounts, Ive contacted the capital one company and told them I never had gotten the card or applied, customer service was very rude and upsetting.
Product: Student loan

My payment was due and I went online to the  Sallie Mae w ebsite to make the payment. The transaction was done on  XX/XX/17    in the amount of {$490.00}. The payment was to be deducted from my checking account on  XX/XX/17   . After making the payment I re ceived an email confirmation from Sallie Mae. A couple of weeks later, I started to receive calls from Sallie Mae. I called back and was told that my account was 62 days past due. I informed the representative that I had ma de a payment a few weeks earlier. I was told that the payment did n't process because of an error. She could not tell me what was the error or why the payment did n't go through. While on the phone with the rep, I pulled up my online banking and realized that an attempt was never made to debit the payment from my account. The rep could not explain what happened, I then inquired about credit reporting since she informed me when the call was authenticated that my account was 62 days past due. I was told that they would report to the credit bureaus a 60 day late payment for the month of  XXXX  to my credit report. I asked why would that occur since I made the payment online and there was an error on their end which caused the  payment not to process. I was told that since the payment was made online, it must have been my fault. Sallie Mae can not provide any documentation to prove that I made an error. I can not view my checking account number on their website to determine if I in fact made an error when my account nu mber was added to my online profile. They have now reported to all   XXXX    credit bureaus that I was 60 days late for the month of  XXXX . This is totally unfair to me as a consumer because I made my payment on time and I have no control of their systems and how they process payments. They can not show that I made an error. Also, How could I be 60 days late for  XXXX  when I made the second payment in  XXXX . There are only 30 days between  XXXX  and  XXXX .
Product: Credit reporting or other personal consumer reports

This company has reported inaccurate information.

1 ) Late payment 2 ) It is reported as a mortgage account when it's an installment account.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has viol

ated my rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not f
urnish 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.