23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2019 I spoke to XXXX letting her know that has open this account fraudulently and sent all the required documents asked from XXXX. We have contacted Military Star via phone on XX/XX/2019 ; email sent to XXXX XXXX XXXX stating this a fraudulent account ; email on XX/XX/2019 to XXXX with all information - police report, federal trade commission, and CFPB report. Military Exchange still reported to the creditors and we had to file a separate complaint to all the credit bureaus with the information - police report, federal trade commission, and CFPB report. All credit bureaus have removed the item from my credit. Military exchange continues to send letters after multiple letters stating they will garnish my wages. Military Exchange continues to harass stating I am still liable for this debt.
Product: Credit card or prepaid card

I applied for a credit card from Barclays on a Frontier Airline flight in XX/XX/XXXX. The card was approved and when I received the card in the mail, I noticed that my name was incorrect. When I contacted Frontier to inform them, they could not verify my information in the system. They stated that I needed to send in a number of documents to rectify the discrepancy. I immediately mailed in the required documents. 

In XX/XX/XXXX, I recieved the bill for the annual fee of {$79.00}. To my surprise, when I called to make the payment, I was informed that the account was locked and that I would need to submit the same documents that I submitted the prior year. I was frustrated, however I mailed the documents again. I was unable to make the payment because of the lock on the account. 

I wanted to use the card to purchase Frontier airline tickets, so I called just to make sure that the card was activated and was then informed that my card was closed and there were still discrepancies on my file.

I submitted the documents every time Barclay 's requested for me to do so. What happened to them? There were very sensitive documents with my personal information on it. How come these discrepancies were never fixed? I provided them with everything they required. This will now affect my credit reputation, which I try very hard to maintain.

Barclays is negligent. Had Barclays processed the documents when they were sent in XXXX, my account would still be opened. I would like this matter investigated ; I want to know what happened to my documents, why they never followed up, and I want my credit card reopened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA, XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear TransUnion, XXXX, XXXX I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against TransUnion, XXXX, XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled it a similar manner. 
Please review the Inaccurate Information being reported.
Product: Checking or savings account

I called the bank and explained what happened. They advised me to open a fraudulent claim. They filed the claim. I got a letter today advising me that the claim was wrongly filed and due to this, I couldn't do anything and they couldn't protect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : LIKE I SAID IN MY PREVIOUS LETTER This is my final & last LETTER ( AGAIN ) AND FINAL LETTER. MY IDENTITY WAS STOLEN!!! THIS IS NOT SOMETHING TO PLAY WITH SOMEONE'S LIFE AND LIVELYHOOD! 

ATTACHED TO THIS LEGAL BATTLE I HAVE AN OFFICIAL POLICE REPORT FROM THE XXXX POLICE DEPARTMENT DUE TO IDENTITY THEFT AND THE REASON AND CAUSE OF THESE FRAUDULENT ITEMS BEING REPORTED FRAUDULENTLY ON MY CREDIT REPORT! .THEY ADVISED ME TO TELL YOU WHEN I SEND YOU THE POLICE REPORT THESE ITEMS NEED TO BE BLOCKED AND REMOVED IMMEDIATELY!!! .I DEMAND THESE ACCOUNTS ACCORDING TO THE LAW BE REMOVED IMMEDIATELY IN A TIMELY MANNER WITHIN 5 DAYS ACCORDING TO THE LAW! .THE POLICE REPORT -INCIDENT # : XXXX. These items need to be deleted/removed from my credit report IMMEDIATELY FROM MY EXPERIAN CREDIT REPORT!, XXXX HAS XXXX REMOVED THESE ACCOUNTS, WHY IS YOUR COMPANY STALLING AND KEEP DISRUPTING MY LIFE OVER AND OVER AGAIN!, THIS ACTIVITY IS ILLEGAL AND HAS BEEN REPORTED TO MY LOCAL XXXX POLICE DEPARTMENT! AGAIN FOR THE VERY LAST TIME THESE ACCOUNTS LISTED BELOW ARE NOT MINE. IF THIS KEEPS HAPPENING AGAIN I WILL SUE YOUR COMPANY FOR THE PAIN AND SUFFERING YOU HAVE CAUSED NOT ONLY MYSELF BUT MY FAMILY AND OTHERS AS WELL, I WILL GO PUBLIC WITH THIS ON THE NEWS, AND TAKE YOU TO COURT!!! .REMOVE THESE NEGATIVE ITEMS IMMEDIATELY!!!!! 

( XXXX ) THE POLICE REPORT -INCIDENT # : XXXX ( XXXX ) USPS TRACKING NUMBER : XXXX I WILL ATTACH THESE DOCUMENTS AGAIN FOR THE FINAL TIME SUPPORTING MY CASE!!! 

Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX. 
THESE ACCOUNTS LISTED BELOW ARE NOT MINE. 

I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account : XXXX XXXX  Account Number : XXXX XXXXXXXX delete it from my credit report. 

Collection Account : XXXX XXXX Account Number : XXXX XXXXXXXX delete it from my credit report. 


Collection Account : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 


Collection Account : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

The company is Paypal. On XX/XX/24 I received an email from Paypal that I had a new invoice. I have not used PP in a long time. I went online and there was an invoice requesting {$590.00} to be paid to some guy. In the invoice was a statement that if I did not make this transaction to contact the fraud line and a number was given. So, I called it. It turned out to be the scammers who got into my computer. I was able to shred their XXXX and I deleted my bank card from the PP site. Then, 150 invoices showed up and my card was back. I deleted it again and I got a number to PP fraud, the real number and I sent messages on PP account. They first wanted me to send the invoice to resolution to dispute it. 150 of them! NO. Then they opened a case, XXXX XXXX They froze my account and said they would be working on it. I told them I wanted my account closed, period. NO. Then, a XXXX account showed up on PP and I deleted that. I go in all the time to make sure things are not there. I have changed my password numerous times and I set up two step verifiations. As of today, XX/XX/24, they have not removed ANY of the fake invoices on my account. They have a lengthy message chain going back and forth with me that I can not seem to find on PP now. I got a message that my account had been restored. However, they wanted me to upload a photo of myself for security purposes. Really? Like I would even trust any message on PP. I said NO, close my account. They have not. Today, I got an email from them with this message # XXXX saying they needed info from me as they noticed suspicious activity on my account. Really? I went into the account and they again want a photo of me AND they want me to update my security info which includes my current password, new passwords and new security questions and answers. I will NOT provide any info on a corrupted company site like PP. They have not removed the fraudulent invoices. They said I could not close my account as there was a {$2.00} credit on there. I do not know where that came from. I said I am not giving them an account to credit that to, that they could keep it and CLOSE MY ACCOUNT. They said I could give it to charity. Okay. I tried to do that, but you can't donate that money to charity without adding a bank card or account. Nice try. If a company can allow scammers to just do what they want on your personal account, they can not be trusted with any information and I have no reason to believe that PP itself is not part of this. The scam number for fraud listed on each invoice is XXXX. The man identified himself as XXXX XXXX. Fake. The supervisor was XXXX and he gave a call back number of XXXX. I was shredding their bot while I got this info. It is all probably changed by now. I have literally spent hours and hours with banks, online and on the phone and in person, changed oodles of passwords, set up all kinds of new security and yet the company that let all of this into my life DOES NOTHING, but make things more difficult for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

-- INSTALLMENT LOANS 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) reported delinquencies on all three credit bureau 's in XXXX of XXXX. I have sent several requests to have this derogatory information removed as all payments were made on time. the payment due date was the XXXX of each month and the XXXX payment was made on XX/XX/XXXX before it was 30 days late. I have attached the payments made as proof. I have previously requested from XXXX to remove this negative mark with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you in regards to a bankruptcy that was placed on my account by Equifax. I disputed it to Equifax in XX/XX/2018 for information regarding it asking them to provide me with a ) the name of the courthouse ; ( b ) the persons name you verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. In XX/XX/2018, they only provided me with the company 's name, address, and email stating that the information was accurate. The company they stated in which the information was collected from was a company in which I have a freeze on my account since XX/XX/2018 due to the credit breach in which my account was affected. Since, they are refusing to remove the bankruptcy from my records, I am reaching out to you for further assistance. In addition, I reached out to the United States Bankruptcy Court of Illinois and received a letter from them stating that they do not perform any activities with the credit bureaus. I have submitted that letter to Equifax as well as the letter I received from the third party company the mentioned as the source used to gather this information.
Product: Debt collection

Comenity Bank/Wayfair have continued to violate my consumer rights. on XX/XX/2022, I notified them of the insufficient evidence provided to validate a debt. They have also continued to communicate negative information to my consumer after I informed them to cease communication through all mediums. In addition, they also sold my account to another person without my consent, and I received no benefit from the transaction.
Product: Vehicle loan or lease

Exeter finance reposed the car XX/XX/2023. They added a slate fee charge of XXXX on top of the balance. They said they put the car up for auction instead of just letting me pay the car off monthly with another payment plan. They need to stop adding late fees when they already have the car. They pack on fees every day but they are not telling that to the customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts from my credit report with XXXX XXXX, and Transunion. I have sent a total of XXXX different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter XXXX : XX/XX/2020 XXXX XXXX : XX/XX/2020 XXXX XXXX : XX/XX/2020 XXXX XXXX : XX/XX/2020
Product: Credit reporting or other personal consumer reports

I recently applied for a free business checking account at XXXX and received a denial letter stating that I had unresolved accounts with ChexSystems, instructing me to reapply after resolving those accounts. However, upon obtaining a report from ChexSystems, I found no such outstanding accounts at any bank. When I confronted XXXX XXXX  about this discrepancy, their explanation changed. They now claim it was not an outstanding account but rather a ChexSystems " qualireport. '' I still maintain that XXXX XXXX  engages in XXXX discrimination. I request the following from ChexSystems : ( XXXX ) Clarification on the specific law or statute that authorizes ChexSystems to function as a credit reporting agency and to gather information about customers, to create predictive models or forecasts about a customer not based on factual information but instead on utterly false bogus fabricated data and algorithms. These models are allegedly used by banks to engage in discrimination and deny credit or financial services. Note : I need the specific section or whatever law you clam grants you this right not vaguely mentioning the FCRA for instance ( 2 ) Delivery of the exact copy of the report that was provided to XXXX XXXX  about the complainant regarding the referenced transaction. ( XXXX ) An exact and detailed description of what algorithm or model is being used by ChexSystems to generate the utterly fabricated report which they are apparently providing to various institutions and engaging in defamation. 
Be aware that this is not a mere suggestion but a demand. Failure to provide the requested information promptly will result in legal action against both ChexSystems and XXXX XXXX  for defamation and discrimination ; it is also an action which will be brought whether or not you provide this information or not. Fabricating and utilizing false models that disregard actual facts to defame a customer and make decisions regarding credit or access to financial services is a violation of the XXXX and various other rights is unacceptable. I expect the requested information to be provided as soon as possible. Apparently someone at XXXX keeps using this transaction XXXX about how the denied a corporation I represent an account. Keep my name out of your XXXX
Product: Checking or savings account

Bank of America closed my small business account because it was overdrawn. They did not make any effort to contact me, asked no questions, and charged me for the pleasure of being a customer of theirs since XXXX. 

My XXXX real estate business was impacted by 1 ) COVID, 2 ) by a divorce that started XX/XX/XXXX, 3 ) by the fact that my girlfriend received a XXXX XXXX diagnosis and 4 ) I was busy taking her to Dr. appointments for the XXXX XXXX she underwent as part of her treatment. 

BofA saw that my account, which had never been below {$4000.00} in my entire 16 year small business history, was overdrawn and did not reach out to me one time to ask a single question. They closed the account, charged me for the overdrawn amount less what was left in the savings account, and sent me a bill. I paid the bill which they sent immediately to recovery, and I am still receiving reports that the issue has not been cleared. 

This means I can't open any other business bank accounts or business credit cards, and have been blacklisted as a result. 

I paid the recovery bill. It should be cleared. They have not responded to a request I sent over a month ago, and I can't get anyone on the phone to answer my questions or even direct me to anyone who can provide a resolution.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, Has violated my rights. 
15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written 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 and crimes which antedates the report by XXXX  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 Charge Off 's U.S.C 1681 THIS IS INCORECT & INACCURATE INFORMATION THIS IS NOT MY DEBT
Product: Checking or savings account

Wells Fargo Fraud incident XX/XX/XXXX Case number XXXX Claim number XXXX Total amount of fraudulent transactions : {$5700.00} XX/XX/XXXX : I received an e-mail notification that my Wells Fargo debit card had been linked to a XXXX XXXX account, but I did not see the e-mail that day. 
XX/XX/XXXX : Beginning at XXXX p.m., I received three phone calls from Wells Fargo, alerting me of fraudulent activity. I returned their call at XXXX p.m. I was informed of the following charges that were being attempted. All are in XXXX XXXX XXXX ; I live in XXXX, XXXX. I have been scrupulous about maintaining my debit card security, and no one else had my authorization to use it. 

Fraudulent charges : PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX XXXX CARD XXXX XX/XX/XXXX {$1500.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XX/XX/XXXX {$3200.00} ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ATM ID XXXX CARD XXXX XX/XX/XXXX {$200.00} ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ATM ID XXXX CARD XXXX XX/XX/XXXX {$300.00} ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM ID XXXX CARD XXXX XX/XX/XXXX {$300.00} ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM ID XXXX CARD XXXX XX/XX/XXXX {$200.00} Total amount : {$5700.00} Wells Fargo contacts : XXXX XXXX XXXX claim specialist XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX My claim is denied by Wells Fargo . They state that no fraud pattern was detected. I protested immediately, and was transferred to Resolution Team member XXXX. She stated that she would endorse my claim to the Executive office, which should call me in 1-2 days. As of XX/XX/XXXX, I have not received a response.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting
agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

RESOLUTION : I am not demanding verification nor validation of any of these accounts. These accounts listed SHALL be removed.

I am demanding that the credit reporting agency do what is fair and equitable. I will move for a complaint for small claims for default
judgment due to your violations. Per 15 U.S. Code 1681c-2, the credit reporting agency SHALL remove any account I identify as alleged identity theft, and the accounts that SHALL be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I went to buy a new car at XXXX XXXX in XXXX XXXX XXXX florida, they pulled 4 or more inquiries that we did not authorize on my husband and Is credit report. We are currently trying to buy a house but all these inquiries are making it hard. I want them removed. I was in a car accident that was not my fault, I had to buy a new car, I was injured, now they are having an impact on our financial goals. These are the names i found : XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX. 

This is not right and we did not know that they did this to us. 

Not to mention my experience buying a car at this location was awful! Everyone I know has had bad experiences with them.
Product: Credit reporting or other personal consumer reports

I have been experiencing identity theft with bank accounts with XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX. I have managed to successfully close the accounts opened but I need to have mailings or correspondents ceased from wrong addresses or previous addresses. 
I have already filed my identity theft report with the FTC.