23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was hoping WELLS FARGO would have come its sense and realize that it 's calling ME, the card holder, the consumer and customer a liar. But in essence, knowing full well all the issue we had with identity theft and precautions we need to now take, and knowing full well WELLS FARGO made well over {$350.00} just in 3 months of over 12 months I had the card. I did not complain about the {$10.00} atm charge you charged me every time I used the card or your high interest rates. And I was never late once with my bill. Not to mention I can show with phone records and emails how many times I had to call in to WELLS FARGO to handle simple small issues over and over and over again. I can promise you as well over two hours a week was spent dealing with issues that I was told once I signed the forms would be handled. And they never did, they always came back. As well I also There were several disputes on the card that were active when WELLS FARGO closed the card down. And oddly the card just so happened to equal {$1000.00} which was my deposit. 

I have lost four times over with every company, not only not caring of my extreme identity theft issues, but taking advantage of our situation when we paid our bills and we stayed in contact with each company every issues doing whatever company policies were, but in the end, those things never mattered either. 

So, I let all those issues go, all those many many many issues. And I told you guys I was willing work with you, but you, again, WELLS FARGO has found a way to call the consumer who took the time to call right away when there was an issue on the card, a liar. So, I your customer, lied to you about the {$200.00} ATM dispute in XXXX. Cause what you told me was the MERCHANT saw me take the money of the machine. Well let me rectify this again for you, and I Will not discuss other disputes again, I am simply going go over this XXXX ATM at roughly XXXX at a convenient store located across from XXXX, next to XXXX XXXX -
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several companies who have continued to report inaccurately on my report regarding account balances. Each account expect for Kohl 's has submitted a manual update to remedy the situation. Kohl 's credit card services refuses to submit an update and infact was hostile we I made the request. I have an audio recording of this interaction and well as my current balance and credit reports showing contradictory information and they refuse to remedy this inaccuracy. I am unable to submit the audio recording because it is over 20 minutes long making it 19 MB which is over your upload limit. It is ofcourse available on request. My images and screenshots prove that i paid my balance and that Kohl 's did in fact report in XXXX but did so inaccurately. I would like to see my balance updated on my credit report retroactively to reflect when it was paid.
Product: Checking or savings account

The bank adp canvelled my card necause of fraud and said i would be receiving a new card. It has been 2 weeks no new card and they refuse to let me transfer my money money on my account. I tried talking to them but all they said was sorry for the inconvenience.
Product: Credit reporting or other personal consumer reports

my account has been breeched. all these inquires must be removed.
Product: Money transfer, virtual currency, or money service

on XX/XX/2023 I was doing my online banking and making credit card payments when a flashing/flickering window popped up on my laptop screen saying do not turn off your computer, your computer has a threat. a number appeared to call immediately and I called because I never saw this before. the person that answered the call stated I was being hacked and my finances were at risk, he asked for my personal information and the amounts of my bank accounts, how many credit cards I have. I said I had about {$4900.00}, he said oh it's {$4000.00} you have available. Per his request, I gave him the name of my credit card and balances, and amounts available to use. He said that {$3500.00} was going to be withdrawn from my checking acct in two hours and I needed to take the money out to protect it from the scammer who was using it for XXXX  XXXX subscriptions, if the government would find out then I could get caught and even would go to jail. Gave me a case # XXXX and I was to follow two steps for this hacker to avoid remove the money and to let the government it's not me. XXXX ) I went to my branch, XXXX took out XXXX, deposited for " only verification '' {$2000.00} in a bitcoin machine at XXXX XXXX XXXX, NC. XXXX, {$1400.00} in another, the first one got stuck at XXXX XXXX XXXX, NC. XXXX. I was supposed to get the money back into my bank account or new account in a few minutes, since it is weekend, Monday is the day to have the transfer. I went home and told my son, immediately he told me it was a scam. I should've told him but I was afraid and wanted to resolve this issue. I called this person and did not answer XXXX. My heart ached and started crying for being naive and stupid. I should've known better. I called bitcoin several times, no answer, I left messages, i emailed them too. I called my bank and I was given educational information on how to prevent this to happen in the future. I contacted the 3 credit report bureaus to freeze and protect my identity. I changed my passwords, I am using double authentication for my online accounts. I feel sad and upset. I have heard of these scams and bitcoin money, but I didn't think it would happen to me, not in a million years.
Product: Credit reporting or other personal consumer reports

Once again, I am writing to file a formal complaint against TransUnion XXXX XXXX regarding their failure to update my credit information and provide me with a method of verification, as required by the Fair Credit Reporting Act ( FCRA ). 

For well over 90 days, I have been disputing the same accounts over and over just to get the same generic responses over and over since XXXX of this year ( 2023 ) I have been disputing the same 3 accounts showing proof of clear errors and inaccuracies just to be told the item was Updated Or Verified How is this possible if I have proof and a print out of the same exact errors on the same exact accounts. 

I have attempted to resolve this matter directly with TransUnion XXXX XXXX by via my dispute letters. Despite my efforts, the issue remains unresolved, and I believe that TransUnion 's actions are in violation of the FCRA. 

After months of disputing they even told me they couldnt verify the disputes because they didnt know if it was me sending them anymore I then proceeded to begin getting the letters notarized which no one else can do on my behalf and still the same result. 

I will have my latest disputes, cover letter and credit report attached. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TransUnion complies with the FCRA. Additionally, I would appreciate your assistance in resolving this issue and obtaining the accurate and up-to-date credit information to which I am entitled. 

Please find the following information related to my complaint : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX I appreciate your attention to this matter and look forward to a prompt resolution. If you require any further information or documentation, please do not hesitate to contact me at the provided phone number or email address. 

Thank you for your assistance. 

Sincerely, XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I understand outrageous fee and interest these companies charge. Here 's my issue. Around 3 months ago XXXX borrowed {$600.00}. Fee. 700 % This is often a last resort for struggling individuals. I pay {$88.00} per week. Yes. Per week. 3 months on a {$600.00} loan. Asked payoff thinking balance has gone down. I would pay {$720.00} ... no payments have affected my balance..my end date if I pay per week will be XX/XX/2019. For a {$600.00} loan. Yes I know the interest charges. They say, well YOU AGREED But to owe more after paying over {$1000.00} so far. They should be ashamed. I know I am because I had no other choice. I'm embarrassed but desperate times make people ( me ) make bad financial decisions. Awful.
Product: Checking or savings account

I'm enrolled in the XXXX  at navy federal with XXXX checking accounts but continuing to charge me and lock the account even after I paid the amount in full. When I call all they give me is excuses that don't make sense.
Product: Credit reporting or other personal consumer reports

Immediate Deletion of Unauthorized Accounts and Inquiries Pursuant to FCRA Section 604 To Whom It May Concern, I am demanding the immediate deletion of the following accounts from my credit file, as they were obtained and/or reported without permissible purpose under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681b ] : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, Account # XXXX Section 604 of the FCRA explicitly prohibits a consumer reporting agency from furnishing a consumer report unless specific, legally permissible purposes are met. These accounts do not have my authorization, nor do they meet any of the statutory conditions outlined in Section 604 ( a ).

I have not been provided with : Any certification or evidence of permissible purpose.

Prior notification of these inquiries or accounts.

Documentation verifying their validity.

This is a formal demand for : 1.Immediate Deletion : Remove the above-listed accounts and any associated inquiries from my credit report immediately, as they were not authorized or established in compliance with the FCRA.

2.Written Confirmation : Provide written confirmation of the deletions within the time frame mandated by the FCRA.

Please be advised that I have filed complaints with both the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. These agencies have been informed of the unauthorized access and reporting of these accounts on my credit file.

If these unauthorized accounts are not promptly removed, I will pursue further actions to enforce my rights under the FCRA, which may include legal proceedings.

Thank you for your prompt attention to this matter. I expect a resolution within the timeframe specified under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions The account is Also closed but remains visible and harming my credit score
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceed
ing ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I don't want this on my report, it hurts my credit history and it's not mine. 

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

VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXXXXXX XXXX  XXXX Account # : XXXX To Whom It May Concern : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account capital one account, nelnet, and capital one auto account, has violated my rights 15 USC 1681 section 602 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.

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 and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional Acceptance ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX credit inquiries that were not authorized by me. 

XXXX XXXX  XXXX XX/XX/XXXX This inquiry is 22 days away from it been 24 months and would like to start the process of removal.
Product: Bank account or service

I had a bill come out early by two days and they overdrafted XXXX items in one day starting at a XXXX dollar purchase. I am now in XXXX $ in over draft charges when my purchases were not even a {$100.00} total. Refused to refund any of the charges.
Product: Checking or savings account

On XX/XX/2023, at XXXX I was at a chase atm and I deposited XXXX cash in all XXXX in my account. I also have a video of me at XXXX of me at the atm with the money prior to the incident. The machine took my money, and proceeded to load slow, it kept making noise as if it had trouble counting it, after about 7 minutes the machine printed out a receipt saying call a XXXX to be sure that my deposit went through. So I called Chase and told them everything that happen and they filed a claim. They kept telling me that they didnt see a deposit of XXXX pending. They told me a credit of the full amount would post to my account during the 10 day investigation, they keep reassuring me that everything was going to be okay. 
On XX/XX/2023, XXXX, I called chase customer service line again and spoke to a representative about my claim. I again explained the atm situation again, and ask for an expedited credit to my account. I needed to pay my rent which is due before the XXXX and any day after will result in a late free which Im trying to avoid. So I pleaded for the credit and the Rep said that she will send the request to the back office for approval for the expedited credit of XXXX that I lost to their atm. I waited on the phone for about 13 minutes for approval, and the rep came back and said the back office denied the expedited credit and I would hath to wait the 10 days. At that point I asked for a supervisor, the representative told me that the supervisor would tell me that same thing, I told her to please transfer me. The supervisor got on the phone, and she explained to me that because on their end they only see me inserting my card and putting in my PIN number but they dont a deposit, so I asked her did you guys check the camera, and she said I would hath to get a subpoena. At this point I could tell that the supervisor was getting aggravated so I started Crying because Im the one who lost my money trusting their atm, and shes giving me attitude, then she says she would never deposit that much money in a atm she wouldve went inside the bank, and then asked for her superior to speak to, and she told me to have a good day, and hang up on me. At that point Im still out of XXXX so I went to the bank branch at XXXX and spoke to the branch manager about the whole situation, he was kind and reassured me that he was going to file a complaint against the supervisor but he couldnt help me the XXXX that I lost, he said I would have to wait the 10 days. At the point I freaked out because I dont want to get evicted from my apartment because 10 days is way past the 5 day deadline for rent. I simply trying to deposit the cash in my account to pay my rent. They wont even credit my account so I could pay it for the time being not even hath. Im so sad and depress. I have never experienced anything like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Us Dept of ED Acct # XXXX Us Dept of ED Acct # XXXX XXXX XXXX  Acct # XXXX has violated my rights. 
15 U.S.C 1681 SECTOPM 602 A. States I have the right to privacy.

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

I am writing to complain to EQUIFAX about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Other financial service

I have tried to send money to people that I know. This company keeps stopping the transfer. After many call transfers I finally get someone to tell me that they do not like my sending history. This is NOT their concern. Their business is to facilitate sending and receiving money. They have no business in making this decision. I take responsibility in deciding to whom I send money. 

I would like a written statement from a company XXXX that they will cease and desist in this practice. It is not right and needs to stop. Very poor business practices.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> by my record my balance indicated {$1000.00} - appearing on report as {$3100.00} - should also be apear as pay as agreed
Product: Credit card

I received a letter in the mail from Chase stating that a XXXX XXXX XXXX credit card I applied for was denied. I did not apply for this credit card. Ref number is XXXX. I called Chase after calling XXXX XXXX to let them know it was a fraud. I was instructed to file a complaint with you as well. I was on hold for XXXX minutes for Chase and no one ever got on the phone to handle this issue.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Personal Information on Credit Report Dear Consumer Assistance, I am writing to dispute inaccurate personal information that appears on my credit report. After reviewing my report, I have identified several errors in my personal information section. The incorrect information is as follows : XXXX. Name Variations : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can confirm that the information provided above is inaccurate and does not pertain to me. I have never resided at any of the addresses listed, nor are any of the name variations associated with me. This incorrect information could potentially harm my creditworthiness and financial standing. 

As per the Fair Credit Reporting Act, I request that You investigate these discrepancies and promptly remove the inaccurate information from my credit report. I have enclosed copies of documents that verify my correct personal information for your reference. 

Please provide me with written confirmation once the investigation is completed and the erroneous information has been rectified. Additionally, I request a free copy of my updated credit report once the corrections have been made. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and efficiently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account w/SynchronyXXXX XXXX on or around XX/XX/XXXX. I received a notice from Synchrony that my XXXX XXXX account was being transferred to XXXX as of XX/XX/XXXX. But on XX/XX/XXXX I called Synchrony XXXX # as I usually do to make pymts and was advised that they no longer had this account and that I would need to call XXXX ( XXXX ) to make any and all future pymts. I called that number provided and was told by XXXX XXXX customer service member that they did not have any records of my account. Which lead me to call Synchrony once again. This went back and forth with no resolution. At the time I only owed SynchronyXXXX XXXX account {$1100.00}. However, when I checked my credit report, it read I owed {$2300.00} which they now had charged off as of XX/XX/XXXX. I was never notified that this account was charged off prior to me receiving the notice of change in ownership to XXXX. 
Sychrony bank charged off the account yet are still reporting each month to all 3 credit bureaus that I am late every month paying on this account. An account mind you that they no longer have. How can a company report that a consumer is late if they do not have the account, it is transferred or sold, and/or the consumer is unable to make payments to that company? 
Because these creditors pay these credit bureaus, we consumers are at a real disadvantage, and it is making it almost totally impossible for any consumer to have fighting chance to correct any discrepancies. These inaccuracies are causing major adverse effect on my credit report and score, and I have been denied credit due to these inaccuracies. 
I have tried to contact Synchrony Bank directly however, as I mentioned before, I am being told that they no longer have this account and can not assist me in this matter. Therefore, I am writing you in hopes of a resolution.
Product: Credit card or prepaid card

I Payed Them And They Locked My Credit Cards