23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Called Experian XXXX XXXX XXXX on the XXXXXXXX XXXX XXXX 
Stating I had changed my phone #, Email and address..in the last few months, couldn't use the app, when I tried to update it was a hassle... so on the XXXX XXXX XXXX XXXX XXXX Experian Ordered a New card on XXXX after 2 days of dealing with in competent people my cards otw ... or not?? 
Well much to my sadness and anger after calling 3 times just to double check was assured my cards otw ... after 10 days of waiting for card, no food, landlord is Mad he wants his money I get a agent @ Experian that said u don't have a card otw... there was none ordered... in Dismay and Panic, oh yea ..I'ma XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thanks Experian.. 
So on the XXXX XXXX They ordered me a card well I got it the XXXX of same month, thank God... well go through the activation and the card is all set ... great says " Ur card is activated '' the recording on the phone says this..Go to atm to get my rent money and get outta the cold... says DENIED contact ur bank ... yea that's a joke ... after 4 calls to Experian to fix this XXXX agent says card was ordered on XXXXXXXX XXXX.. I DID NOT ORDER ANOTHER CARD ... I HAD ONE... Needless to say the last card don't work plz helpXXXX XXXX
Product: Checking or savings account

I am a victim of identity theft and I have never applied or opened any investment account with Robinhood due to me being incarcerated from XX/XX/XXXX until XX/XX/XXXX. Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Someone opened an account FRAUDULENTLY under my social security through their online system. When I received the first letter informing me of my new account I called right away to have it closed and inquire on how someone can open an account with NO IDENTIFICATION!!! IT was not me to open the account and now they will not close it and they will begin to charge me monthly fees! This company should be investigated for 1. Allowing fraud to happen as clearly they have no mechanism in place to verify identity with online account openings. 2. They have been giving me the run around for 4 months- this started in XXXX 3. They will NOT properly close the accounts even though they are NOT mine
Product: Credit card or prepaid card

Bank of America is denying credit based on federally protected characteristics as opposed to credit strength. I applied for their XXXX XXXX credit card. The application went pending, then was denied. I called the reconsideration hotline and the woman told me she would personally reconsider the application. She then denied it stating there were too many inquiries. I asked her how many was too many. She stated she did not know. It didn't make sense she was making a credit decision without any credit guidelines. I then asked to speak with a manager. I asked him the same question : how many inquiries are too many to be approved for an XXXX XXXX credit card? He told me it varied by customer. He also told me he did not have an answer. Since he could not produce credit guidelines related to inquiries, I believe that he and the other representative, who were clearly not based in the United States, are basing lending reconsiderations on XXXX XXXX and XXXX. If there is no standard, why am I being denied as a person with a XXXX name and American accent when they have told me that other people can be approved with the same profile since there is no credit guideline standard? It is discrimination, plain and simple.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXX Phone : XXXX Email : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Tunderstand that acording to fedeal Law 15 .5. code 16513 ( 2X41 ), a corsune report does aor 2926 information solely as to transactions or experiences between the consumer and the person making the payment 1 also understand that according to federal law 15 U.S. code 1666b ( a ), a crediter may not payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Blonk , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial. Protection Act ) CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error solution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek to appropriate redress for these violations.
Product: Credit card or prepaid card

XXXX is dishonest. They showed a picture of decorative pillows but did not show the back, which led me to believe the back was the same as the front. Turns out, the back is just a plain white. I returned the pillows and they credited me for the pillows but not for the shipping and handling. I called to request a full refund but they refused and told me I should have read all the hidden details Ordered XX/XX/2023 Delivered XX/XX/2023 Refunded XX/XX/2023 Order # XXXX Cost {$88.00} with tax Refunded {$73.00} minus shipping {$14.00} This is not the first time I've had trouble with an order, this company is deceptive and the customer service is unsatisfactory. I told them I was going to make a consumer complaint. Thank you
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by XXXX XXXX  XXXX Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by XXXX XXXX. The details of the account in question are as follows : - Account Number : XXXX - Account Type : Revolving ( Credit Card ) - Original Creditor : XXXX XXXX  - XXXX : {$5400.00} - Date Opened : XX/XX/2021 - Payment Status : Collection/Chargeoff The issues with this account are as follows : XXXX. **Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for the past three years. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported in this manner. The continuous monthly reporting of this charge-off is misleading and does not accurately reflect the true status of the debt. 

2. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.

3. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active. 

The Fair Credit Reporting Act ( FCRA ) requires that all information reported on my credit report must be accurate. Continuously reporting this debt as a charge-off while it has been sold to another company and should be recognized as canceled debt is a violation of the FCRA. 

I have previously disputed this matter with the credit bureaus ( XXXX, Experian, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. 

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. 

Thank you for your attention to this matter. 

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

Over the past several months I have requested the method of verification to validate the debt on Acct # XXXX with any evidence bearing my signatures showing that I have some contractual obligation to pay any debt. Letters were sent to the Bureau XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They have failed to do so and only send information back stating the account has been validated. It shows that this is a closed account but it is still reporting late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had my wadges garnished in the amount of over {$4000.00} for a fine from district court that was {$1300.00}. The last payment/garnishment was 3 months months ago. In fact they garnished extra and refunded me over {$800.00}. I thought great that 's over. Well this week I get a bill for a remaining {$24.00} that has collected Intrest over the past 3 months making what they are charging me {$250.00}. I called and asked for an explanation and well no answer just run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiry remarks have been placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/20, I reached out to Experian to dispute the information below. I have not received a response. 
1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The status is incorrect for the following account XXXX  XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

On XX/XX/20, Experian replied to a complaint filed with the CFPB stating that the complaint was closed, because they did not feel it was filed by me. I submitted copies of my social security card and proof of address. At no point has Experian made an attempt to contact me for any additional information. This response seems to be a stall tactic for them to avoid complying with the law. This is a valid complaint filed by me, and I demand that this complaint be investigated pursuant to section 609 of the Fair Credit Reporting Act, which Experian is currently in violation of. I will forward this complaint and all correspondence to the Maryland State Attorney General for Experian 's violation of this law.
Product: Debt collection

On or about XXXX of XXXX  I received a collection letter from XXXX XXXX demanding {$590.00} from a debt owed to XXXX XXXX XXXX XXXX. I sent them a certified letter in response on XX/XX/2018 disputing the validity of the debt. I received no response. 

On or about XXXX of XXXX  I received a collection letter from XXXX XXXX XXXXAbsolute Resolutions also demanding {$590.00} from a debt owed to XXXX XXXX XXXX XXXX XXXX I sent them a certified letter in response on XX/XX/2018 disputing the validity of the debt. I received no response. 

I have disputed this collection at the XXXX Credit Report with the exact same documentation of the collection and my attempts to validate the debt unsuccessfully. The origin of the debt is unknown to me. I am claiming that I have no knowledge of this debt and I have the proof that I have proceeded in good faith, without the benefit of a response. I have no idea what XXXX uses to continue to validate this debt. I have yet to see any proof this debt was initiated by me. 

My perception is that all parties claiming there is a debt owed by me have failed to disclose how this debt was created, and how they are authorized to collect said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent items from my file 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 delete these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my authorization. 
US SM BUS ADMIN ODA - Inquiry Date : XXXX XXXX XXXX  - Inquiry Date : 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This complaint is regarding a recent reinvestigation as a result of a previous complaint because of EXPERIAN INFORMATION SOLUTIONS failure to correct inaccurate information in account I previously brought to their attention. As of recently of XX/XX/year>, EXPERIAN reinvestigated and updated account leaving the accounts in question still inaccurate. I also did not receive anything in the mail from EXPERIAN within the 5 days permitted by the FCRA regarding the previous disputes per 15 USC 1681i ( 6 ) ( b ) ( 3 ). I want these accounts removed for violations of the Fair Credit Reporting Act. The accounts are still reported inaccurately. The effect of this failure is damaging my character, reputation, and mode of living.
Product: Money transfers

On the XXXX of XXXX, 2016, I went to the XXXX XXXX XXXX branch of Wells Fargo bank to make a money transfer. I explained to the personal banker that my friend in XXXX has asked me to transfer this money to his friend ( XXXX ) in Ohio who is in distress and needed the money urgently. My friend in XXXX was going to refund the money to me the following week. 

He banker successfully made the transfer for me ( evidence attached ). My friend informed me XXXX had not received the funds after two days and I went to the bank on XXXX of XXXX to inquire that. The banker told me it takes three working days for the funds to hit the recipient account, and that he should be expecting the funds by Tuesday. 

Basically, as I write this complain, XXXX has not received the money, and Wells Fargo is not doing anything to get my funds back to me even when I have since requested for the transaction to be cancelled and my monies returned to me. The recipient has borrowed monies elsewhere to solve his problem and asked me to get my money back since it could not come on time. 

Wells Fargo continue to tell me the funds have been sent, yet XXXX who are the bankers of XXXX deny receiving any funds from me on all the three occasions that XXXX went to inquire about the funds, the last of it been XXXX of XXXX, 2016. 
I must emphasize that, I do call Wells Fargo on phone to talk about this almost every day, and have gone to the branch I made this transfer on countless occasions. 

I needed this money last week ( in addition to a delta voucher I have already ) to get a ticket to visit my family ( in XXXX ) during the XXXX. I could not get the money and now prices have shot up since then and continue to go up since. 

Why would Wells Fargo treat a poor international student from XXXX in this manner?
Product: Checking or savings account

I filed a claim with charges being made to my account that I was made aware of recently. I called Truist Bank and I wanted all charges from XXXX of 2021 to forward to be refunded. Truist Bank stated they will not refund the charges due to 60 days has lapsed
Product: Checking or savings account

W. F employees opened both personal and business accounts in my name without authorized consent for the purpose of achieving there internal Wells Fargo Bonuses. Thereby, destroying both my personal and business credit status.This resulted in the lowering of my XXXX XXXX credit rating to a standard that know longer allowed me to get credit for my business and resulting in the failure of my three XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXL XXXX XXXX Date XXXX Balance Owed : {$670.00} Charged off XXXX XXXX Date XXXX Balance Owed : {$10000.00} Charged off
Product: Debt collection

XX/XX/XXXX I received a notice from my XXXX account saying that DIVERSIFIED CONSULTANTS was seeking {$180.00} in collections. I have never heard of this company before, and I never received any notices about this debt until XX/XX/XXXX. this has to be either identity theft or they have me confused with someone else 's account. 
Or this may be in regards to another dispute I filed on XX/XX/XXXX regarding my identity being stolen and used to create a T.V. account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They responded by removing the negative mark on my credit score, and by removing the debt I " supposedly '' owed because it was a result of identity debt.
Product: Credit card

I obtained a HELOC from my XXXX for just under XXXX XXXX to pay off some larger debts. All were credited properly from various companies except the ones through Sychrony bank. I've list below the companies the CC is from along with the payment amounts, and receipt dates posted by them. None of the funds have been released as of this date XX/XX/year>. 

XXXX 's XXXX  - PD {$7700.00} - XXXX  by them on XX/XX/year> XXXX  - PD {$4600.00} - XXXX  by them on XX/XX/year> XXXX - PD {$10000.00} - Rcvd by them on XXXX XXXX 's XXXX has XXXX XXXX that its in my terms and conditions of my account that I agreed to. I can't understand why they would need to hold my funds for verification for this length of time when they came from a known financial organization in this age of electronic banking!
Product: Debt collection

I do n't have a contract with this company and the joint person that they are advising is on the account is deceased and has been deceased for 4 years now. I am not responsible for this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL FTC VIOLATIONS ATTACHED print XXXX  Your Report Potentially Negative show tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX
Product: Debt collection

I HAD AN OLD ACCOUNT FROM XXXX ABOUT 18 YEARS AGO WITH WENT INTO NEGATIVE STATUS DUE TO DISPUTE ITEMS. THEN I WAS SUED BY AN ATTORNEY NAME XXXX XXXX XXXX XXXX XXXX XXXX REPRESENTING XXXX XXXX XXXX INTO CIVIL COURT. WITHOUT ANY NOTICE I RECIEVED A DEFAULT JUDGEMENT AROUND 2006 THEN I WAS FORCED TO START PAYING AN INSTALMENT WHICH I COULD NOT AFFORD, THEN A FEW YEARS LATER I RECIEVED A LETTER FROM XXXX XXXX XXXX TELLING ME TO DISREGARDS ANY CORRESPONDENCE IN THIS CASE REGARING THE OLD DEBT. NOW AFTER 10 YEARS I AM SUED AGAIN BY THIS SAME ATTORNEY AT CIVIL COURT WHICH IS NOW IN PROGRESS, I FEEL THAT THIS ATTORNEY IS TRYING TO RIP ME OFF ALSO I THINK HE HAS SOME CONNCTION WITH THIS COURT MARSHAL NAME XXXX XXXX XXXX XXXX OF NEW YORK XXXX XXXX I FEEL THEY ARE WORKING TOGETHER TO RIP OFF INNOCENT PEOPLE. WOULD GREATLY APPRECIATE IF THERE IS ANY ONE OUT THERE WHO ABLE TO HELP ME WITH THIS MATTER. THANK YOU. XXXX XXXX