23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in a state of confusion, as I am writing to express my sheer bewilderment at the ongoing circus that my credit report has become. It has recently come to my attention that in addition to the mind-boggling number of fraudulent accounts already haunting my credit profile, you have managed to conjure up even more of them! Bravo! Your incompetence truly knows no bounds. 
Let us, for a moment, ponder the exquisite absurdity of the situation. It appears that not only can you not remove the existing fraudulent accounts, but you also have a talent for spontaneously generating new ones! It's almost impressive how you manage to compound the errors on my credit report with such consistency. 
Should I attempt to dispute these additional phantom accounts? Should I resign myself to the fact that my credit report is now a work of avant-garde fiction? Or perhaps I should just sit back and applaud your dedication to the art of credit reporting surrealism. 
In the spirit of this confounding situation, I formally request the removal of the following accounts, which I am still trying to wrap my head around : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I recently did a debt consolidation, Barclay credit card company received their payment to close this particular account, and they were accidentally mailed an additional check from my bank XXXX that was supposed to go to another credit card company as part of another debt consolidation that was not made out to Barclay.

They went ahead and cashed this particular check, and have placed the balance of this check into this now closed Barclay account, I have no access to retrieve this remaining balance to pay off my other outstanding loan, and they have yet to cut me a replacement check, mail it to me on a timely basis, and have dismissed their responsibilities, with no further correspondence to these funds being returned to me. XXXX Bank where I have the consolidation loan has been of no assistance in this error, and have been handling this error on my own.
Product: Credit card or prepaid card

Ladies & Gentlemen:My wife booked a reservation for a golf vacation package with the XXXX XXXX XXXX XXXX   in the XXXX XXXX  on XX/XX/2019. The price that was quoted by the resort for the vacation package was US $XXXX. This price was clearly stated in an email communication of XX/XX/2019 from the resort as the "Package Total: $XXXX" (A copy of this email is included in the attachment)My wife provided our Chase credit card information to the resort and the account was charged $XXXX  in two separate charges on XX/XX/2019. (A copy of our account statement is included in the attachment)During her stay at the resort in early XX/XX/XXXX, and, at her check out from the resort, she was never advised of any other charges due or pending. We never received any subsequent communication from XXXX XXXX XXXX.An unauthorized charge of $XXXX from XXXX XXXX XXXX  appeared on our Chase billing statement in XX/XX/XXXX and we immediately contacted Chase by phone to alert them to this unauthorized charge. We subsequently sent a written complaint to Chase and, on XX/XX/2019 they sent me a letter stating that they had favorably resolved this issue and would credit our account permanently for the disputed amount of $XXXX. (A copy of the Chase letter of XX/XX/XXXX is included in the attachment)I assumed this matter was over and done with until I received another letter from Chase dated XX/XX/XXXX advising they were rescinding their earlier decision, and now considered the charge valid and were removing the "permanent" credit for the disputed amount from our account. With this letter they also included information that XXXX XXXX XXXX had provided them which they claim supports the validity of the charge. (A copy of this letter and the information from the resort is included in the attachment) I have reviewed this information and believe it is false, inaccurate and misleading. I responded to this letter yesterday to advise Chase in detail of the falsehoods and inaccuracies contained in the XXXX XXXX XXXX information. (The response is attached) Please review the attachment and let me know if you have any questions.Thank you for your assistance.XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to comply with FCRA and investigate fraud accounts that were opened without my knowledge or consent : 1. Accounts XXXX Account # XXXX 2. XXXX XXXX Account XXXX 3. XXXX XXXX XXXX  XXXX Experian falsely claims that I did not authorize my own complaint even though I provided all required information including last XXXX digits of my SSN, full name and date of birth AND attached an FTC identity fraud affidavit. Please have Experian comply with the credit reporting law.
Product: Money transfer, virtual currency, or money service

phones and phone numbers on or about XX/XX/24. Since that time I have continued to have access my Coinbase account. I have added payment accounts to deposit funds into the account, have made a {$2000.00} deposit ( XX/XX/24 ) and a {$2000.00} deposit ( XX/XX/24 ). I have been able to execute multiple purchases of cryptocurrencies on the platform during this time. On XX/XX/24 I initiated a transfer of crypto from my Coinbase trading account to my personal Coinbase wallet. I was prompted for a Passkey for 2 factor authentication. This is a feature I have never set up nor had I ever been prompted for this previously. All of my 2 factor authentication had been one time use verification codes sent via SMS. I was unable to verify this passkey and no alternative verification options were provided. I have attempted to contact the customer service line which turns out to be an automated system that provides 5 options that each just route you to refer to the help page and then hang up.After having my ID verified twice by sending copies of my government issued ID, I was able to get an email response from service staff who have no idea how to utilize the system and continue to copy and paste generic troubleshooting ideas from their help page. After more than a dozen emails, they have informed me that they are aware of the problem, will not be responding to the issue further and that I should just periodically continue trying to log in to see if the issue is resolved. I have over {$4000.00} in the account, no access currently and Coinbase has no path forward to regain access. I have the same email and password login information, my name and physical address has not changed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was notified of an added account " XXXX ''. I was going to look into and got busy with work. A few days later, I received a notification from XXXX XXXX of a new added account that matched above. I stopped what I was doing and looked into it further. I received on the same day notification from XXXX XXXX of a new added account, " XXXX ''. 

I submitted disputes with XXXX, XXXX and XXXX. Recently I received notification of the results being " ACCURATE ''. 
It showed a phone number of who to contact if I want to continue disputing if I found the results to be incorrect. 

On Saturday, I called XXXX 6 times. 
XXXX time, I input my social and the system couldn't verify my information. 
XXXX times, I was transferred to an automated machine for XXXX XXXX, they couldn't verify my information with the last XXXX digits of my social. 
When I called back Citibank, I requested to not be transferred due to getting an automated machine and not getting a chance to speak with a person because I can't be verified. A representative at Citibank couldn't find my information either besides my XXXX XXXX card. I told the representative that is exactly what I'm trying to dispute that I don't have this Home Depot card and their system can't verify my information so how is this account opened under my name. I was transferred over to the same company Citibank but to a department that opens loans. 

I'm not sure how the disputes were investigated if XXXX XXXX and Citibank 's information can't verify me. I don't have a application number since I never started XXXX with them.
Product: Debt collection

I was called on XX/XX/XXXX about a debt collection. When I returned the call I found out that they were trying to reach someone else but had the wrong number. I asked them to remove my number from their list and to not call me again. 
Today, XX/XX/XXXX they called again looking for the same person after I told them to remove me from their list because they have the wrong number. I'm tired of being harassed for someone else 's debt. They keep looking for a XXXX XXXX, and I am not him.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
CA XXXX XXXX Dear Sir or Madam : As of XXXX XXXX XXXX it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX XXXX  WITH NO Account number XXXX  with a balance of {$42.00} and there's a duplicate with the same alleged owed amount of {$42.00}. This is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Product: Credit reporting, credit repair services, 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. 


XXXX Acct # XXXX has violated my rights XXXX XXXX  Acct # XXXX has violated my rights XXXX XXXX Act # XXXX has violated my rights XXXX XXXX XXXXXXXX Acct XXXX XXXX has violated my rights XXXX XXXX XXXX Acct # XXXX has violated my rights 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX
Product: Credit card

Well Capitalone is doing it to me again. The card that was originally issued through them has an interest rate of 22.9 %. They increased this card limit to XXXX dollars on XX/XX/XXXX. They then increased the limit on this card to XXXX dollars on XX/XX/XXXX. That is a span in time of about a year and a half. Keep in mind I started out at a XXXX dollar limit on this card. I have never had one late payment and I pay way more then the minimum every month. Although I am sure they wish I did n't because they would make more money in interest off of me. The other card which was first issued by Orchard Bank was bought out by them and had an interest rate of 14.9 %. They bought the card and knew what the interest rate was. I am still at a limit of 2000 dollars on that card. I keep it up towards the maximum because the interest rate is cheaper saving me money. I have never been late on this card either with payments and again have paid way more then then the minimum payment each month. The limit was raised to 2000 dollars on XX/XX/XXXX only because I filed a complaint with you at that time. At the time of that complaint they had me at XXXX dollar limit. My complaint is the same again today. They hold me back on the credit limit of this card because they make more money off of me on interest on the other card. My credit is good and my payment history is good. It is now XX/XX/XXXX roughly a year and a half on this card also now. I feel they should reimburse me some interest from the other card and increase my credit limit to at least XXXX dollars. You know in this day and age there are a lot of balance transfer offers with 0 % interest, some for a year, some for more time. I am really thinking about doing that if they do n't stop doing this to me. I am giving them the benefit of the doubt like they gave me after my bankruptcy. I am not unappreciative I just feel like I 'm being ripped off again. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, ILXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$620.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXXXXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I filed an EFT Dispute on XXXXXXXX XXXX, XXXX, TX requesting a full refund of a federally protected Administrative Fee of {$150.00} the apartment manager charged to my account, after denying my application. Federal consumer financial protection laws prohibit apartment complex owners and managers from keeping administrative fees after denying an application to lease. Frost granted a provisional credit, then reversed it taking the money out of my account. I am now overdrawn and have sent an EFT dispute demanding that they immediately return the funds to my account. I further reported that I would file this dispute with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section XXXX a ) ( XXXX ) ( B ) ( ii XXXX, you are required to notify me of the reinsertion in writing XXXX business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's XXXX and the BBB. Please govern yourself accordingly
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees.

This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Vehicle loan or lease

I recently went to purchase a new XXXX vehicle only to find that I was denied due to an error on the part of GM Financial by not accurately accounting for the last lease payments I made in the amount of {$1300.00} on XX/XX/XXXX, which was a day after I turned in the old lease and was the amount I was told I needed to payout to close the lease. As you can see from the attached, on page 1, second item down, I pulled all of XXXX 's electronic payments from my bank and I am in receipt of an electronic payment ( with confirmation code ) from my bank that shows payment of {$1300.00}. Also included on page 3 of my monthly bank statement shows payment made to GM Financial on XX/XX/XXXX in that same amount. 

I have requested, multiple times, that GM Financial immediately correct this error and close this account, contact all three credit bureaus and restore my standing in good faith. 

I also received a credit denial ( attached ) as a result of this action which has destroyed my credit in the process.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIAN : Negative Accounts to be immediately removed : XXXX XXXX - Closed - XX/XX/XXXX - Acct # XXXX - Balance {$1000.00} Hard Inquiry to be immediately removed : XXXX XXXX XXXX : Inquired on XX/XX/XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX Negative Accounts to be immediately removed : XXXX XXXX - Closed - XX/XX/XXXX - Acct # XXXX - Balance {$1000.00} Hard Inquiry to be immediately removed : XXXX XXXX XXXX : Inquired on XX/XX/XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I reached out to XXXX XXXXXXXX XXXX and discover about fraudulent credit cards opened using my information I have yet to receive call email letter or text about the status of their investigation and try to remove fee of {$2000.00} opened with debt collector XXXX XXXX XXXX in XX/XX/2022. On XX/XX/XXXX I found a charge of {$1500.00} opened on XX/XX/2022 form a new discover card. lastly is a {$300.00} charge to a XXXX XXXX account that is now closed. I have tried calling the respective agencies and have had no further update on the matter. I have tried filling police reports in XXXX XXXX where I live and in XXXX XXXX tn where the fraud address are located. The discover accounts do have phone number and emails attached to them that have been told to me but have not been written down