23daVinci/CFPB_Complaints huggingface dataset:
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. 


I told Experian, 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 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 But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and there's accounts reporting on my credit file inwhich I have absolutely no knowledge. Therefore, I'm demanding that these accounts be blocked and removed immediately. If you or your company do not then please show physical cause why you still reporting these unauthorized accounts. Please remove immediately these accounts. 

1 ) XXXX XXXX XXXX 2 ) US Dept of Education {$1700.00} 3 ) US Dept of Education {$3100.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX
Product: Checking or savings account

Summary : {$3000.00} were withdrawn from my Wells Fargo checking account without my knowledge between XX/XX/2023 and XX/XX/2023. 

Details : On XX/XX/2023, I received 2 email messages from Wells Fargo bank saying that my balance on my checking account has reached XXXX dollars. Upon calling them that day, I found out that there had been XXXX withdrawals from my checking account totalling {$3000.00}. I have not made these withdrawals, nor was I aware that they were made. My Wells Fargo debit card has been in my possession through this time. 

I called the bank. The customer representative to whom I spoke opened a claim for me. Over the course of the following XXXX weeks, I received several email messages from Wells Fargo with the Subject Line 'We 're processing your inquiry, '' but that had no content in the body of the email messages. 

On Friday, XX/XX/XXXX, I visited the Wells Fargo branch on XXXX XXXX in XXXX and spoke with a banker, XXXX XXXX. I told him I have not heard back regarding my missing money He said he would escalate my claim. 

On Sunday, XX/XX/XXXX, I received an email from Wells Fargo saying " Thank you for sharing your concerns with us. We know this needs our attention, and were looking into it for you. Well respond within XXXX business days from the date you contacted us. If we need more time to research and respond to you, well let you know. 

On Thursday, XX/XX/XXXX, I received an email from Wells Fargo saying I had a " New XXXX secure email message from Wells Fargo. '' Upon following their instructions, I read the secure message, which said my claim has been denied. The missing money has not been returned to my checking account.
Product: Credit reporting or other personal consumer reports

Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy as the Fair Credit Reporting Act clearly states. I did not provide written consent to report the accounts listed below. Due to your violations, I will take legal action and submit a complaint for small claims for default judgement, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand VALIDATION and VERIFICATION of this alleged debt. If proof can not be provided, I demand these items to be removed from my account. 
Please see attached documents below for the reference item : XXXX [ XXXX ] XXXX XXXX [ XXXX ] XXXX [ XXXX ] XXXX  XXXX Bankruptcy, Case Number : XXXX
Product: Credit card or prepaid card

American Express lied to me in this booking. I booked this package under the impression that I would receive Platinum Card perks at the XXXX XXXX in XXXX XXXX. I was completely humiliated and embarrassed when I arrived to the XXXX XXXX to first be told that I didn't book this reservation via AMEX but XXXX to second be told that they didn't ' have any AMEX card on file and that they didn't see any AMEX Platinum Card benefits associated with my reservation. I was completely dumbfounded by this error. AMEX completely embarrassed me and caused me to book a reservation unnecessarily with the benefits prominently advertised with the Platinum for staying at hotels under the Hotel Collection. After back and forth, and little option of staying somewhere else, I had to succumb and stay at the XXXX with no perks. 

AMEX robbed me of a decent stay and an enjoyable experience. I felt as though I lost $ XXXX in savings by staying at the XXXX  with no perks when I could have stayed at a XXXX  Property under my Elite Status. As a result, I want AMEX to make me whole by this glitch and false advertisement. I called about this matter and after being run in circles with AMEX customer service, I was finally told a wild response that the perk was not eligible for bundle deals. HOWEVER, this caveat is not prominently disclosed anywhere on the website, on the payment page or XXXX XXXX XXXX  associated with purchasing the package. Nowhere is this prominently displayed as much as the Perks associated with the Platinum Card for staying in the Fine Resorts or Hotel Collection. 

It is egregious that I waited and anticipated this trip after planning and waiting XXXX months for this chaos and embarrassment to ensure. What's worse is the lack of access to AMEX customer service and a customer service agent with the wherewithal to assist me after being passed around from agent to agent for XXXX minutes while being stranded in another city. This is unprofessional and ridiculous. Most importantly, this is false advertisement and as a result I have been financially harmed by your misrepresentation and false advertisement of the facts, per FTC and UDAAP regulation. 

In short, make me whole from this fiasco!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian,  XXXX , and  XXXX  the  XXXX  credit reporting agencies have failed to remove after three letters from myself to remove Unverified information from my consumer file. (  XXXX   XXXX   XXXX  ). This in violation of Fair Credit Reporting Act.   If said information is not removed then monetary damages will be pursued under Section  616 and Section 617.
Product: Checking or savings account

On XX/XX/2022 I received a letter from Bank of America which stated that I had two claims that had been resolved in my favor and deposits were permanently added to my account, the claim amounts were {$3600.00} and {$70.00} for the other, I contacted B of A because I had not had such deposits into my account. For almost 2 hours the rep tried to find a coinciding credit associated with the claim they not only could not refer me to such credit that was in reference to this claim... they then attempted to tell me that this claim was paid back to me in increments over a unknown time period, yet even then they could not combine all credits to reach said amount. This is in reference to claims that were involved in the EDD pandemic payments. I believe it is obivious from this letter dated on XX/XX/XXXX of 2022 they are attempting to avoid what they have been court oredered to pay to customers affected by the edd pandemic account issues by claiming these credits were already paid this is an attempt to subvert paying out on the claims!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 & XX/XX/20 I wrote Transunion a dispute letter on items reporting inaccurately on my credit report. They in turn wrote back on XX/XX/20 that items were verified correctly. I know my rights as a consumer so I in turn wrote another letter on XX/XX/20 asking for their method of verification. On XX/XX/20 Transunion wrote back that a third party is insisting me and will not pretty much respond to my inquiry. This is baffling because I am a consumer and know my FCRA rights, now I am writing to put in a formal complaint as they are in violation for completimg my dispute and using a stall tactic.
Product: Mortgage

Sent wire for full payoff amount on mortgage on XX/XX/XXXX ; As of XX/XX/XXXX, bank says they won't process it until XX/XX/XXXX but the funds were electronically transferred. I see no reason for bank for legitimately delay the payoff processing by over a week so as to collect interest on the outstanding balance. They should process the payoff as of the day the wire is received and, if the wire transfer exceeds the daily interest charges ( which it would ), they should refund the difference between whatever has been sent in and what is *actually* due as of the time the payoff wire hit.
Product: Credit reporting or other personal consumer reports

hello on XX/XX/23 i sent Equifax information regarding some late payment inforamtion they reported to my credit. It has been over 30 days and i have yet to get any information regarding this matter. I know by law they have to process my request but seems as if they are refusing to do so.
Product: Credit reporting or other personal consumer reports

Hello, I have a few hard inquiries on my credit I need to recognize. I know why a few are on there, but I want to know if there is anything I can do to have them removed. The inquiries are as follows according to TransUnion : - XXXX XXXX XXXX  - XX/XX/2023 - XXXX XXXX XXXX - XX/XX/2023 - XXXX XXXX XXXX XXXX - XX/XX/2023 - XXXX XXXX XXXX XXXX XX/XX/2023 I believe all these are associated with my recent purchase of my automobile, which was through the XXXX dealership XXXX I believed these were the vendors they tried to get a loan with before settling on financing with XXXX XXXX for my loan. I refinanced with XXXX XXXX and paid off the XXXX XXXX loan for a lower interest rate. 

Also, I have a hard inquiry for a XXXX on XX/XX/2023, labeled travel/entertainment, and I do not know where it came from as I have not paid for any travel or entertainment during that time.
Product: Credit card

Upon Auditing my Thank You Rewards Credit Card with a Supervisor at Citi, we discovered a huge discrepancy that no one can find out why but had an idea and was going to investigate. It turned out that balance transfers are done manually and can human error. ( Balance transfers from cards closed due to security measures ). Initial Audit Dated XXXX XXXX show discrepancy of nearly $ XXXX. NOW, after dissecting this to a minutia year by year for XXXX and XXXX, I find out I am actually OWED money, just over $ XXXX. I have evidence generated by Citibank.com of spend activity that supports this. However, my monthly statements due not reflect the true activities online. I checked all my other Citi Cards, the online activities AND billing statements match dollar per dollar. It is just this account.
Product: Debt collection

I XXXX XXXX paid my last collection today that was a debt sold to XXXX XXXX XXXX. The debt I paid off on a negotiated settlement was originally owned by XXXX, XXXX, and the timeline for a legal collection purpose existed. However, upon a discussion with XXXX XXXX XXXX with my attorney on a conference call with me, it was determined that another collection that was originally owned by HSBC Bank Nevada, NA actually defaulted back in XX/XX/XXXX. So it was determined that XXXX XXXX XXXX acquired a debt that was not valid. Accordingly, this collection should have never been reported on any credit bureau. Therefore, I respectfully request through the Consumer Financial Protection Bureau that this item be removed from all credit bureaus immediately and permanently. XXXX XXXX
Product: Debt collection

Per complaint : XXXX COLUMBIA DEBT RECOVERY LLC DBA GENESIS sent me an email on XX/XX/XXXX, at XXXX XXXX, with the subject " Initial Notice ''. The email opened with " Columbia Debt Recovery LLC, dba Genesis is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX We will use any information you give us to help collect the debt. '' This email was asking me to settle a debt of {$570.00} and that this account bears an interest of XXXX percent per annum. 

They then shared the attached documents ( A document named statement and lease ) which do not address why I owe this amount. 

The 'statement ' shared does not state the date of origination, authorizing party or business that generated this said statement, or why I owe these amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a XXXX  card after being approached in the store, I agreed and paid {$25.00} and did application. Before receiving the card in the mail I went back to the store and phoned and said I didn't want another line open and wanted to close and cancel. I was told I had to wait for the card to come in the mail and then call and cancel. I did this and was told they would close the account so I cut the unactivated card up and put it in the trash. I got a statement 30 days after this with charge on the card for membership, I called again and told them this should have been closed. They told me would close it and to go to the store and refund it, went to the store and they said they could not do as the account didn't show closed, since then I have called multiple times to close the account and they have not done so, they sent another card I didnt activate and again called if need be I can file a police report because at this point I don't know what else to do. The last call was XX/XX/XXXX I believe when again. I was told they would close it. I do not want and have not charged anything to this card.
Product: Checking or savings account

I am a XXXXXXXX at XXXX University and was part of a scam by someone posing as a professor. He paid me with a bad check to cover expenses and salary. I deposited the check and then as instructed, used XXXX to pay for expenses. I became aware from the University that it was a scam and I alerted my bank Wells Fargo that the check was bad and that they needed to stop the XXXX and halt the deposit of the check. I contacted Wells Fargo on XX/XX/XXXX via phone to the fraud department. On XX/XX/XXXX, Wells Fargo froze my account without reversing the check or stopping the XXXX payment and used my funds to cover the check, wiping out my account. Wells Fargo refuses to do anything.
Product: Bank account or service

TD Bank continues with it 's deceptive overdraft fee practices. There 's no reason why an account needs to be delayed with charges from my debit account. When I charge something at a store, the store will decline if there 's not enough money in there. If I do a point of sale purchase, the money should come out immediately. TD bank delays the actual posting so that if a larger charge comes through later, they can charge a {$35.00} per item fee. TD bank has charged me thousands of dollars of OD fees and most are for charges less then {$10.00}. How is it fair that they can charge {$35.00} for any overdraft amount, even less then {$1.00}. I have asked them several times to update my account so that charges go in the order they 're made however TD Bank has stated they thought the larger charges were more important to the customer - that should not be up to the bank. I also noticed that my account started getting charged for business fees and come to find out that my account is a business account. I emailed them stating I never opened a business account that my account was a personal checking account and that they should correct that and reimburse me all the fees charged for the business account, however they did not respond and continue to charge me these fees.
Product: Credit reporting or other personal consumer reports

I filed a ftc report for unauthorized inquiries on my TransUnion credit report dating 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 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, credit repair services, or other personal consumer reports

I have not supplied proof under the Doctrine of Estoppel by Silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In accordance with the fair cridit reporting act XXXX  Account XXXX, XXXX XXXX XXXX  have violated my rights. 
15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may noy trear a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I would have a set amount of money and I would not see it
Product: Credit reporting

I have been working diligently to repair my own credit. My credit score was XXXX two weeks ago, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My wife and I share the shame credit cards, and her scores are going up. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good, it dropped my score XXXX point because of this good utilization. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in a couple of weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing Credit Karma which I was told that XXXX owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. Credit Karma stated that I did nice work by getting my balance down, and with that they minus my credit score XXXX points for doing a great job. This is unethical please see attached picture of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this in order to clarify unknown accounts that appeared in my credit report. I checked my credit profile to make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. SO its not ok if I have misleading accounts in my credit report therefore please delete them and try to make it as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate and noncompliant bankruptcy records that XXXX XXXX XXXX has furnished to major credit bureaus, including TransUnion, Experian, and Equifax. Enclosed is a copy of the Bankruptcy Courts letter, which confirms that these bankruptcy records have not been properly verified in accordance with legal standards. 

There are currently XXXX dismissed bankruptcy cases under my name that should not be reported as valid derogatory items. Their continued reporting violates the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and XXXX reporting standards. 


Disputed Public Records : Bankruptcy Case # XXXX Filed : XX/XX/XXXX Dismissed : XX/XX/XXXX Court : Northern District of XXXX, GA XXXX : XXXX XXXX XXXX XXXX for Dismissal : Failure to Make Plan Payments Bankruptcy Case # XXXX Filed : XX/XX/XXXX Dismissed : XX/XX/XXXX Court : Northern District of XXXX, GA XXXX : XXXX XXXX XXXX XXXX for Dismissal : Unknown Bankruptcy Case # XXXX Filed : XX/XX/XXXX Dismissed : XX/XX/XXXX Court : Northern District of XXXX, GA XXXX : XXXX XXXX XXXX Legal Violations and Basis for Complaint : Invalid Reporting of Dismissed Bankruptcies : All three bankruptcy cases were dismissed and did not result in a discharge of debts ; they should not be reported as active derogatory items. Reporting these dismissed cases violates FCRA 1681e ( b ), which requires maximum accuracy in consumer reports. 

Lack of XXXX XXXX XXXX : XXXX FCRA 611 ( a ), credit reporting agencies must verify disputed information. If XXXX XXXX XXXX did not obtain these records directly from the bankruptcy court, they are unverifiable and their inclusion contravenes FCRA 1681i ( a ) ( 5 ). 

Noncompliance with XXXX Standards : According to XXXX XXXX XXXX XXXX ( XXXX ) guidelines, all public records must comply with XXXX standards. Since these bankruptcy cases were dismissed, they do not meet these standards, rendering their continued reporting unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2023 I have been disputing inaccurate information within my credit report but have not been getting a response from XXXX, XXXX. Even one of them ask for verification that its me when i sent my information of verification. Equifax, sent information but all they continue to tell me is that its verified without any information that i asked for
Product: Debt collection

This is not a duplicate complaint. My name is XXXX XXXX XXXX and I am submitting this without any influence from a third party or agency. Please see attached documents as it contains my full complaint and requests.