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

On XX/XX/04 a transaction from XXXX XXXX was sent to a user. I havent Used XXXX XXXX in years. I filed fraud both through my bank account as well XXXX XXXX giving them proof it wasnt me and havent used their services and still was denied
Product: Credit reporting or other personal consumer reports

I request for the payment to get correct on my credit file I was never late for this account in XXXX of XXXX or XX/XX/XXXX. XXXX was taking out my account and I can see that the credit card payment was made to my self builder credit card. Please update the account and change the late payment to paid on time. Here the account name and number : XXXX XXXX  account number XXXX. I have proof payment was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX show this closed accounts as having new missed payments every month. 

XXXX XXXX XXXX XXXX, {$5400.00}, Paid, closed - XXXX charge-offs This account was closed and charged off years ago. 

It is not an open account, and should not be reported as having new missed payments every month. 

This is a violation of my consumer rights and an unfair credit reporting practice that prevents me from obtaining new credit accounts and purchasing a home, even though I have no missed or late payments and otherwise very good credit worthiness.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX appeared on my XXXX report without my knowledge. 

XXXX XXXX XXXX XXXX appeared on my XXXX report as a hard inquiry without my knowledge. ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXXXXXX XXXX appeared on my Equifax report without my knowledge. ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) All these companies I have reached out to them in regards to removing the fraud inquiries and none of them have made an effort to do so. It is very tedious having to stay on the phone for hours trying to clear up these matters. 

In the month of XXXX, XXXX I was also a victim of theft of my laptop which had vital personal information that might also a play in the recent uptick in fraudulent activity. I have filed a police report to support my issues.
Product: Mortgage

I applied for a home loan with quicken home loans.Quicken chose XXXX XXXX Appraisals to do the appraisal of XXXX XXXX XXXX XXXX XXXX XXXX Cerification # XXXX did the appraisal and stated XXXX Square feet causing my loan to fail. Quicken chose this appraiser and I paid XXXX dollars for a bogus appraisal. I had no part in choosing this appraiser and should not be penalized for her errors.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year> AND XX/XX/year>. 

I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card

In XX/XX/year>, I received a solicitation to open a card with Chase. I was approved but card was never received. I contacted Chase and they closed that account and opened another. I never received the card for that new account nor any account information. I received a reminder to activate the card ( even though I never received it ) and called Chase. They would not help me unless I provided my social security number ( even though their website said they would never ask for my SSN ). I had no account number or any information other than my social security number and an email that I needed to activate. I refused to provide my social so they would not help me. Then I received an email thanking me for activating the card -- I never activated the card since I never received it. I finally received an email that my account needed attention and THAT email had an account number. I took the email to my local Chase office in XXXX XXXX, MD. The representative told me that the account was charged off, that charges had been made, and that a fraud investigator would contact me. Nobody has contacted me and this account is still looming.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not a duplicate tied to complaint XXXX. I pulled my XXXX credit report and found REGIONAL ACCEPTANCE CORPORATION had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry or provide the signed application which is needed to file a FTC identity theft report. They did not delete the inquiry or provide the documentation required under section 604 of the Fair Credit Reporting Act. This is a violation of the law and they must comply be deleting the inquiry or providing the signed application, so an FTC identity theft report can be filed. Failure to adhere to the law will result in legal action.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX action requested ; To have illegal hard inquiries removed
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, your company acting as a debt collector such as ALDOUS AND ASSOCIATES, PLLC reporting negative information to my credit file without my lawful consent. However, your company has violated the Fair Debt Collection Practices Act ( FDCPA ) according to 15 U.S.Code 1692e ( 1 ) the false representation or implication that the debt collector is vouched for, bonded by, or affilited with the United States or any state, including the use of any badge, uniform, or facsimile thereof. The false representation of the character, amount, or legal status of any debt. Therefore, I DEMAND your company to cease and desist all communications with any affiliated third party without my consent of nonpublic information. Best Regards, Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I need these hard inquiries removed from my TransUnion credit report as they are all fraudulent. These hard inquiries are listed below. 

XXXX Location XXXX XXXX XXXX XXXX, FL XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX Location XXXX XXXX XXXX XXXX, GA XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual
Product: Prepaid card

I received an email from a guy who said he was with XXXX.They sent me what looked like an official receipt ( XXXX letterhead ) saying someone charged more than {$300.00} on my XXXX credit card. I called the number on the email and spoke with someone named XXXX XXXX. After about an hour, he told me they had taken care of the problem, but said they checked my records and someone was trying to take more than $ XXXX out of my account for a casino. They gave me the number for the banks security. I contacted a guy who said I needed to get XXXX gift cards totaling $ XXXX dollars for them to transfer into my account. I bought XXXX, and then I decided to contact First Horizon and XXXX directly. XXXX told me they had no record of any transaction. First Horizon said the same. I am out {$500.00}.
Product: Checking or savings account

I called my bank twice about some fraudulent activity I noticed on my account and got a letter back from them stating that they couldnt help me, the days I got the letters were on XX/XX/21 and XX/XX/21. The total amount that has been stolen from me is {$10000.00}. Ive even called Wellsfargo multiple times to see why they couldnt help me get my money back and they say we found it was made by you or someone who had your permission Ive learned through research that response is not a valid excuse as to why I cant receive help or receive my funds back. Wellsfargo wont even tell me how they came to that conclusion. After some research on if I was the only one to be going through this Ive found out that Wellsfargo has done this exact same thing of not helping people get money back theyve lost due to fraudulent activity to countless other people, Ive learned the bank does this so that they can keep the funds for themselves which is not right. I deserve to have the money back that was stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do NOT owe anything on this XXXX XXXX  account and it still is listed that I do hurting my credit scores. This information needs to be resolved ASAP. 

XXXX/XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I recently discovered an error in the reporting of my child support payment. On XX/XX/XXXX, I reviewed my credit report and found that a payment of {$12000.00} was listed as overdue, despite being paid on XX/XX/XXXX. Immediately upon noticing the discrepancy, I contacted the credit reporting agency on XX/XX/XXXX, and provided them with documentation confirming my payment. They assured me an investigation would be initiated. 

When the error was still present during a follow-up call on XX/XX/XXXX, I reached out to the child support enforcement agency on XX/XX/XXXX. The agency confirmed that my payment had been received and processed correctly on XX/XX/XXXX. Despite these efforts and confirmations from both parties, the inaccurate reporting remains on my credit file, negatively impacting my credit score. 

I respectfully request that the CFPB review this matter with the involved companies to ensure the error is corrected promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX  , I contacted the agency : Early Warning Services , LLC, Attn : Consumers Services,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , AZ  XXXX , regarding Fradulent information on their consumer report file, concerning  XXXX   XXXX   XXXX   ( now being investigated )  &  XXXX   XXXX   XXXX  Bank accounts. I showed the agency how the signature on the back fo the checks provided as proof by the bank was not my signature, and provided my signature and my current drivers license photo, as my proof. The agency still came back that the information was validated. Since  XXXX    XXXX  ,  XXXX    XXXX     XXXX  has removed the Fradulent claim from  XXXX , and  XXXX  is currently investigate their claim. I wa nt Early Warning to Rem ove the inaccurate information from my consumer file, ASAP.  <P/> Thank you and please contact me at  XXXX  with any questions.  <P/>  XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that ARS, Advanced Resolution Services , Inc. put a security freeze on all of my information. I had problems getting them to cooperate. Finally, on XX/XX/2022, via a series of emails, they acquiesced and put a freeze on my information. Then I received a letter stating they were refusing until I provided them, once again, with proof of my identification ; they included : name, address, phone number, social security number, and copies of my state ID and SS card. They quote CA law that I believe is moot due the FCRA. I do not think I should have to provide this sensitive information. Furthermore, I have copies of the email series, their letter, and other documents that I can provide. 
Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : XXXX XXXX XXXX  Date Opened : XX/XX/2015 Balance : {$45000.00}
Product: Debt collection

Received text message regarding a debt I am unfamiliar with under incorrect name on XXXX @ XXXX XXXX. I responded I do not have a debt with said company and asked to not contact me again. I was contacted again XXXX @ XXXX XXXX. I am not sure if this is a phishing scam. The text messages have different reference codes and I have not ever heard of them. Does not state what amount they think is owed. I responded if they continue to contact me via text message they could receive a fine for harassment. I received a letter from same company and sent back it was not my debt, incorrect information as my name is not correct. Also have received messages from XXXX XXXX  XXXX XXXX  that I have sensitive data on the dark web.
Product: Checking or savings account

the issue I would like to report is related to ATM error, I Deposit {$3300.00} but it just show {$3100.00}. 

On XX/XX/2023, XXXXXXXX XXXX I went to XXXX, NJ Capital One branch, and using the machine XXXX to pay my credit card debit. I have to pay {$3300.00}, so that's why I bring a cash and pay for it, but the ATM machine has error, when I deposit {$3300.00}, the ATM just accept XXXX XXXX, then i press deposit and keep deposit the money, but at the end of the processing, I found out the amount is not correct, it divide to few transaction, {$1000.00}, {$700.00}, and {$1400.00}, {$200.00} is missing, then I call the customer service right the way when I still in the branch, and the give me a temporally credit. because I also work in a bank, I know the procedure, they have to audit the ATM machine, and make sure the amount is match, so I never worry about it. 

They took a temporally credit back after 10 days, they said after investigation, they couldn't found the money. I count the money few times after I made a deposit, so I am sure the amount is correct. and it was happen on Sat, I asked them when they did a audit? in this month, how much customer dispute for the incorrect amount? do they have a regular check up for the machine, and when I deposit the money, the machine has issue, keep return me back the money, and didn't deposit it correctly, that's why it divide a few separate transaction, but the customer service said, they couldn't do anything, even complaint, that's doesn't make sense. The investigation is totally not transparency, even I asked them they can checked the cam to see when I deposited the Money, the machine has issue. I know I may not give my money back, but it's really not fair to the customer. I lost {$200.00}, if they did a audit I don't believe it will show the right balance.
Product: Credit card or prepaid card

I have multiple charges for  XXXX  declining fees when I have n't used this card in months!!!! I want t dispute the charges and decline whoever is charging on my card.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting that you include the following fraudulent items to be removed from the Credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 or other personal consumer reports

I never purchased a vehicle from 800 loanmart also known as XXXX  XXXX. I never signed any paper work for the vehicle. When I asked the company where the so called vehicle was at that time and they said it was repossessed and was sold at a later date. When I asked for documentation of the sake of the vehicle and the promise to pay contract so that I can review it and make sure it wasn't t me. The refused to send me a copy of the sale or the loan agreement. I was never in contract with this company and I demand it be removed from. My credit report.
Product: Debt collection

I have requested, on multiple occasions, XXXX things from Portfolio Recovery. XXXX. To contact me outside of my work hours. I have verbally requested that this company contact me after XXXX XXXX XXXX as I am at work and can not risk losing my job for taking these calls. XXXX. To provide actual proof that I owe this debt. I am requesting proof of everything affiliated with this account. How was this debt obtained? Online application? In person application? Were there payments made? I need all of the account history, so I may proceed properly. 

I was called early this morning and when I advised the representative of my repeated asking of having them call after XXXX, i wad told well call another time. Again, i told the representative XXXX that anytime before XXXX is not a good time to call me. She agaIn repeated they will call at another time. When I mentioned the FDCPA, the representative disconnected the call for some reason?
Product: Debt collection

I have received multiple phone calls related to this debt and a letter in the amount owed of {$540.00} from Americollect. I do not feel comfortable giving my credit card information over the phone. Although it's a violation of XXXX for them to even have this debt since it is not mine and a medical for my minor child, I went to their website to try and pay and close out this liability online and the website that is indicated on the bill does not work. I have tried to pay multiple times however, this seems very scary to pay a debt over the phone then to someone I do not know.
Product: Credit card

I used my Amex card to reserve and pay for an XXXX rental car. The card provides insurance for rental car use as a benefit and regularly touts such coverage. The car was damaged and I provided all necessary info to the company so that they process the repair through Amex. During this process, Amex 's claim agent kept " denying '' coverage due to repeated inaccurate information : 1 ) I have another car ( it was a previous lease that was returned two years previously ) ( 2 ) I do n't have insurance ( My lease vehicle is a XXXX lease and the insurance is covered by the company as part of the lease ( 3 ) I have to pay my primary deductible ( I repeatedly informed them that there is no deductible in my company car coverage ). I provided repeated documents supporting all the above from ( a ) prior lease company car return ( b ) Insurance detail for the current company car lease ( c ) documentation from the corporate company car department. While all this is going on, I repeatedly request status information on the claim since XXXX is now contacting me directly for payment. I receive nothing. I write both XXXX and Amex re : all this early in the process ... nothing from Amex. I finally call both the Amex Insurance company who wants to return me to the agent that has been the problem from the beginning. I demand a supervisor, who never returns the call. I call Amex corporate and go through the same story. They say they do n't handle it, but their records show the account has been cleared. I finally try writing the General Counsel of AmexXXXX seeking assistance and no reply. This has been going on a year! XXXX will not rent to me any longer and I 'm concerned about the impact on my credit. 
Amex touts this " benefit '' for it 's users as an incentive to use their card and refuse rental car company coverage. This process of " bait and switch '' or outright fraud must be happening to XXXX other card members/users. I want someone at a level of management to be able to act independently to review this file, talk to me if necessary, and resolve this issue.
Product: Credit card or prepaid card

Received email to access XXXX XXXX XXXXXXXX XXXX on XX/XX/23 from Myprepaidcenter.com. Retrieved card and activated on XX/XX/23. Terms and conditions state that an inactivity fee of {$5.00} will be charged after XXXX months of inactivity. An inactivity fee was charged on XX/XX/23, which is a little over XXXX month. Called Customer Service number XXXX and there is no option to speak to a human or any way to get this corrected. NOTE : This card was sent to me in settlement of the XXXX data breach.