23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XXXX Texas Police Report REPORT NUMBER : XXXX I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX. A non-resident staying At XXXX XXXX XXXX XXXX by XXXX XXXX in the City of XXXX XXXX XXXX of XXXX, State of Texas, being duly sworn, do hereby depose and state as follows : ** On Thursday, XX/XX/XXXX, between the approximate hours of XXXX XXXX  and XXXX XXXX, my vehicle, a XXXX XXXX XXXX XXXX XXXX was XXXX while parked at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas. 

The vehicle was not stolen, but upon returning to it, I discovered evidence of a break-in, including : A scratch approximately one inch long on the car 's body, damaging the paint down to the base coat. Right door Evidence of tampering with the infotainment system, resulting in malfunctioning controls and Wi-Fi connectivity issues. 
Damage to the audio stereo system, suggesting an attempted theft. 
A non-functioning XXXX anti-theft system. 
The following items were stolen from the vehicle : Passport wallet with passport/card XXXX XXXX XX/XX/XXXX Retired XXXX XXXX XXXX ID Texas driver 's license Vehicle registration XXXX XXXX XXXX ATM XXXX American Express cardXXXX XXXXXXXX documents Gold and diamond pendant and chain I am aware that there are no security cameras in the hotel parking lot and that homeless people are known to trespass on the property at night. Unfortunately, there are no known witnesses to the burglary. The hotel has signs not respite for theft. 

I have attached photographs of the damage to my car as evidence. I reported the information to the hotel front desk XXXX XXXX and XXXX XXXX. Unfortunately theres no security patrol or cameras. 

Shortly after discovering the burglary, at approximately XXXX on XX/XX/XXXX I was contacted by American Express regarding XXXX unauthorized transactions on my account : a {$1.00} Cash App transaction and a separate {$200.00} XXXX XXXX transaction, both occurring at approximately XXXX XXXX. 

I have attempted to report this incident online through the XXXX Police Department portal on XXXX separate occasions, but the portal appears to be malfunctioning. 

XXXX, XXXX, XXXX XXXX XXXX request that law enforcement investigate this matter to the fullest extent possible and apprehend the person ( s ) responsible for this crime. 

I understand that the penalty for making a false statement in an affidavit is a Class A misdemeanor, punishable by a fine of up to {$4000.00} and/or confinement in jail for up to XXXX year. 

I certify this statement to be true and correct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Transunion credit report immediately. Please remove the following : XXXX XXXX XXXX XX/XX/2023. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced recovery XXXX  XXXX They never let me no what was going on just place this on my credit score I want answers I need papers on this issue
Product: Payday loan, title loan, personal loan, or advance loan

I contacted the Brigit company on XXXX XXXX XXXX, for reporting three late payments to the credit bureau which is false!! I have attached the email communication between me and Brigit company via email! I also have screenshots of the payments made by me and Brigit company on my credit profile on their platform to show the lies and violations of the FCRA!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXXXXXX XXXX XXXX - XXXX - and the credit bureaus are reporting inaccurate information as well as they are in violation of the Bankruptcy courts - the Automatic Stay! 
This account was included in my DISCHARGED bankruptcy yet they are still reporting monthly, damaging my credit and reporting a balance! 
I am notifying my attorney and the next correspondence will be from him.
Product: Bank account or service

I just got off of a very frustrating phone call with Chase and wanted you to be aware of a bank policy that is hugely profitable for them, and unnecessarily punitive for their customers. 
Thursday evening, XX/XX/XXXX, at XXXX Chase processed a {$20.00} check I had written to my son 's school. We were cutting it close that week, but as of XXXX when I went to bed, we still had a positive {$4.00} balance in our account. I know. Like I said, we were cutting it close. But since we had that positive balance, as meager as it was, I went to sleep thinking " phew, we made it, '' because my husband 's direct deposit would be in our account at XXXX. 
However, I 've come to learn that we did n't make it. 
Chase begins processing transactions at XXXX and this {$20.00} was processed, overdrafted our account, and we were charged a {$34.00} overdraft fee just in time before the paycheck was directly deposited. Seems pretty convenient for Chase. 
I absolutely take responsibility for cutting it far too close for any error that week, but to be honest, that 's what many of us do who are living paycheck-to-paycheck. 
In XX/XX/XXXX, America 's top XXXX banks, Chase, XXXX XXXX, and XXXX XXXX XXXX raked in OVER XXXX in overdraft fees. They make that profit on the backs of people like me and my family. The people who can least afford it. 
Additionally, to keep in mind that my bank processed my check and fee while I was sleeping, when I was in no position to rectify the situation, but also did n't even know about it is sneaky and shady to say the least. 
Had that transaction taken place while I was awake, during business hours, I could have transferred money from my savings to my checking to avoid the {$34.00} penalty. 
The working class sure got a lot of attention during the XX/XX/XXXX election, but I want my elected representatives to remember that the loss of manufacturing is n't the only thing hurting working class people. 
We pay heavily in our day-to-day financial interactions in fees, interest, and penalties and the safety net enjoyed by the wealthy is far out of reach for us. 

I greatly appreciate your time and the work you do for all of us. 

Optimistically, XXXX
Product: Credit card or prepaid card

The number XXXX XXXX XXXX called me from the financial institution CHASE saying that I had a credit card issued in my name from XX/XX/XXXX with a balance of $ XXXX-XXXX ( I do n't remember the exact amount ). I never checked out a card from them or been to a CHASE, there is n't even one near me. A little bit of research online has led me to believe that they are Scammers, but I am unsure how to go about it. 

They 've called me Mon XX/XX/XXXX and twice today on Fri XX/XX/XXXX.
Product: Consumer Loan

I took a high interest loan on a five year term. I paid the loan off in 35 months. the payoff was very little difference from the entire term of the loan. I received a letter 10 days after the loan payoff offering a refinance from the same company. the payoff on the letter was less than what I paid 10 days ago. the loan company told me to bring the letter up there. I did with no resolve. the person on the letter did not work there and it has me wondering if something very wrong is going on. I attempted contacting an attorney but did not find anyone is this field. I think this is predatory lending and should be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I sent a letter to Experian requesting documents used to verify these 8 accounts on my report. I only seen one account mention in the dispute when I listed a total of 8 accounts and the account numbers as they appeared on my report. I never received any documents after 30 days, only a message stating that the account was updated, and verified on XX/XX/2019. I sent another letter following up after the 30 days on XX/XX/19 requesting again under the Fair Credit Reporting Act a copy of the documents used to verify the accounts. I again received a message stating that only one account was updated and as of today I have not received documents on any of the 8 accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment, they have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they have 30 days to complete the investigation and by failing to do so the items must be deleted from the report soon as possible
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX5 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I became aware that Chase reported me late on a credit card i had with them. They reported me late XXXX dats on XXXX and 90 days in XXXX. I went to their branch and explaiend that this credit card was closed and reported lsot before it was closed. I clsoed this credit acard and paid the remainign balance in full, there was no remainder balance left. After relaizing they reported me late and beiung told the charges that posted after my account was paid in full and I had nop acess to the credit card were from XXXX I told them I did not make such acharges and that they were fraudulent. I was told at the branch that the charges would be reversed and the credit reporting corrected. After this I was reported again late afte numerous calls to the fraud department I ahve not gotten any type of resolution tot his issue. My credit is now damged because of Chase invalid reporting on fraudulent charges. I need this resoleved and the late payemtns removed. 
the account number for the card was # XXXX XXXX XXXX XXXX. 

I really hope this office can cotnact Chase and get them to do what I ahev n't been able to do. Please have somoine from your office contact me as well. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, CARMAX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On, XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act these creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681 section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These consumers are all in violation of my rights. The credit card accounts are not open end plans which they should be. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Checking or savings account

In XX/XX/XXXX, I received a fraud alert on my phone that questionable charges were being made from my debit card. I immediately called Wells Fargo to report that my card number had been skimmed or stolen because I had my card in my possession and I was not at the four places that purchases had been made. The card was immediately cancelled and we filed a fraud claim. Wells Fargo denied my claim because I reported that I had my physical card on me and their investigation claimed that the physical card had to be used. This is 100 % not true. I had my card on me and yet, I had charges to places it was impossible for me to be at that moment in time. Even though I shared that there was a very sketchy card reader at the XXXX that I had just been at and that must have been where my card was skimmed, they still denied the claim. I opened another claim refuting their denial, and they denied it again. I opened another claim and they denied again. They will never contact me live, only via email. My family and I have been banking at Wells Fargo over 75 years and I only am refuting a total of {$380.00}!! I followed all the correct procedures to protect myself and my money and they refuse to help me or just simply acknowledge that in XXXX anyone can copy a debit card with a multitude of tools. I just want my hard earned money back. I never would have thought that Wells Fargo would treat the average hard working mother of two like this! If I had reported that I didn't have my card, I would have gotten my money back. Even one of their representatives told me that if I lie, they will give me the money. I am an honest hard working individual who doesn't believe in lying or cheating. There was a rash of skimming at this XXXX exactly when I was there, but they refused to speak to the police.
Product: Credit reporting or other personal consumer reports

I just viewed my recent credit report from XX/XX/ and I discovered some inquiries that I did not authorize and also have no permissible purpose. I am now a victim of identify theft I have also attached the evidence. These inquiries have no permissible purpose to be on my report, delete these inquiries due to violation of 15 USC 1681b.

According to 15 USC 1681 : As the consumer I have the right to privacy and I did not give ANY written permission to furnish these accounts.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a gentleman came to our home and sold us solar panels from XXXX XXXX XXXX  as well as arranged financing with Goodleap who serviced a loan for the amount of {$49000.00}.. In XX/XX/year> the solar panels were delivered and hardware. they came to install the solar panels and I the process they got a phone call that the permit was denied from XXXX XXXX XXXX. I have contacted the company numerous times and when I contacted our representative from Goodleap whos name is XXXX, he stated to give him a few weeks to get the money back from the XXXX XXXX XXXX in order to close out and remove the loan. This did not happen, I have spent months and months speaking to many representatives who have told me that they will work on it. Today I received a letter from XXXX XXXX stating that goodleap is trying and willing to do what it takes for our solar panels to be installed. They will not be able to ever do so since the permit was denied for the fact that our roof can not withhold the equipment and the equipment value was more than the equity of our home. I feel like this is XXXX way of trying to not have to not close the account like they said they would. They gave me XXXX  days to respond to the letter. A gentleman named XXXX XXXX Representing Goodleap came and inspected our home to check if any work had been started. In his own words he stated " not a XXXX had been turned. '' This is proof that I received no goods or services from this product and I should not be responsible to pay something that I do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mines and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts?

You have not provided me a copy of any original documents required under SECTION 6099 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under SECTION 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance SECTION 617 if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX XXXX XXXXXXXX {$0.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$5200.00}, XXXX XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$160.00}, XXXX XXXX  XXXX  # XXXX {$240.00}, XXXX XXXX # XXXX {$70.00}, XXXX XXXX # XXXX {$250.00}, XXXX XXXX  # XXXX {$570.00}, XXXX XXXX # XXXX {$110.00}, XXXX XXXX # XXXX {$190.00}, XXXX XXXX # XXXX {$48.00}, XXXX XXXX XXXXXXXX # XXXX {$350.00}, XXXX  # XXXX {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the security freeze and the fraud alerts on my reports I did not add them and incant get them to remove ant other way Ive attached my id as proof of id thx XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a charge-off on my credit report associated with my account number ending in XXXX XXXX. According to my records, this account has been paid in full, and I believe that its current status as a charge-off is not only inaccurate but also a violation of federal laws governing credit reporting. I ask that it be removed immediately. 




Federal Laws Supporting My Complaint 1. Fair Credit Reporting Act ( FCRA ) : Under Section 609 of the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. The FCRA mandates that consumer reporting agencies must ensure the accuracy of the information they report.

2. Section 623 of the FCRA : This section holds creditors accountable for reporting accurate information. Since I have fully paid this account, its designation as a charge-off is misleading and incorrect. 



3. Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA, it is unlawful for any creditor to report inaccurate information regarding a consumer 's credit history. Reporting a paid charge-off violates this statute and may cause undue harm to my creditworthiness. 


This debt has been charged off by the original creditor XXXX XXXX XXXX XXXX, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed from my consumer report. Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness and it is possible that a 1099-C will be issued. I kindly request assistance in reviewing the charged off amount associated with the original creditor.rights. 15 U.S.C 1681 Section 602 A. states I have the rights to privacy. By providing misleading information, this has affected my ability to receive credit and I demand that this erroneous debt be removed from my credit file immediately.
Product: Checking or savings account

Usaa will not release my checking account money to me until they keep it for 60 days based on their policy. This will cause me to lose everything I have worked for my entire life. I will lose my house, my vehicles, everything. USAA Bank has said they are making an example of me and will not give me hard-earned paycheck money until the 60 days are up. The problem with USAA had nothing to do with my checking accounts it had to do with the credit cards I had with them.
Product: Checking or savings account

I requested to open a secured credit card in order to help build up my credit score on XX/XX/2022, saving account ending in XXXX secured credit card savings. I applied {$400.00} dollars as required. I called several times to find out the where about of my credit card. I was giving misinformed information over the phone repeatedly. I was told from customer service that their systems are converting to the recently merged from BB & T to Trust. I received my card in the mail yesterday but that was after the fact when I called in to the credit card department and was told that the card was not submitted, out of anger, I requested to have the credit card canceled and the refunds returned to my account. I was told that it can take 30 days to do so. The bank gives customers misinformed information about their own accounts and during the process, the customers don't have access to their own funds due to the bank errors and inaccuracy. This is unacceptable to punish customers for their out-of-data system by holding customers ' funds and not releasing them by applying the funds to another account, sending a check by mail, or in-person return funds.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX Dob XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX I have XXXX closed accounts my closed credit card and my secured loan see info below, that are not displaying correctly on my Transunion Credit report, this is hurting my good credit history. 
Please update my Transunion profile with these XXXX accounts ASAP. 
Thank You XXXX XXXX XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Line of Credit Account Status Closed - Paid and Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit {$20000.00} Term -- Monthly Payment -- Responsibility Individual Account. Balance {$0.00} Highest Balance {$19000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times XXXX/XXXX/XXXX Days Late XXXX Remarks Payment History. 
. 
XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 60 Months Monthly Payment {$260.00} Responsibility Individual Account. Balance {$0.00} Highest Balance {$13000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times XXXX/XXXX/XXXX Days Late 0/0/0