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

Send money to someone and it wasnt the right person and I couldnt get my money
Product: Credit reporting or other personal consumer reports

Shortly after I discovered the fraud attached to my social security number, I sent the credit bureau a detail letter, telling them the information was fraud, requesting that they remove/block the fraudulent information from reporting and included 9 attachments proving my identity and that the items listed were fraud. I filed an identity theft report, which I provided the bureau a copy, ( Report number XXXX ) and submitted reports to the federal trade commission, ( report number XXXX and XXXX ). Despite all the evidence, the bureau refused to block/remove the items, in direct violation of FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that " a consumer reporting agency shall block the reporting of 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 by such agency. '' I submitted the request and all evidence in XXXX this year. As evidenced in the attachment, yet it is still reflecting on my credit today. 
The credit bureau has made no effort to protect me and my information. They have sent no supporting documents proving the alleged debt. The only thing I received was saying they " did an investigation. '' Which is impossible, because had they truly investigated, they would have found the accounts are not under my legal name, literal public records ( listed with the state ) show otherwise and a XXXX XXXX search would show every insurance I have ever had. Not to mention, my credit is flawless. No late payments, nothing overdue in my life. 
Plus the XXXX XXXX XXXX is reporting different fraudulent balances to different bureaus. It is clearly fraud and should be removed for that inaccuracy in itself! 
PLEASE SEE ATTACHED AND PLEASE HELP.
Product: Credit card or prepaid card

American Express has decreased my credit line by 30 %. 
Despite I've been customer over a decade and never missed one payment. 
I am making more money than ever. This is a very bad business practice, and I do not see the risk, in continuing to provide a higher credit limit. Where is the appreciation for customers, over the years I have paid almost XXXX in profits due to i nterest, and other charges, and this is the appreciation I get.
Product: Credit card

Tonight before going into work I could not use my card. The balance is {$130.00} from a {$600.00} credit limit I got text my balance is just below {$200.00}. {$190.00} to be exact. I made a payment XX/XX/year> no payment was due. Now they saying there was a less tan {$4.00} payment due how. No payment was due because I over paid the balance. I used the card once since so the balance is actually is about XXXX. I wanted this corrected and audit it they did this to me they are doing this to others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY INFORMATION IN REGARD TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Product: Money transfer, virtual currency, or money service

I sent this email to the District Manager of USBank the other day. It has the whole story, in a nutshell : ATM failed to give me my money XXXX XXXX XXXX Wed, XX/XX/XXXX, XXXX ( 2 days ago ) to XXXX XXXX XXXX XXXX On Saturday, XX/XX/2023, I went to the USBank located at XXXX XXXX, XXXX XXXX  CA XXXX XXXX I have a XXXX card, and this ATM is in their network. I put in the card, I put in my PIN number, and I requested {$300.00}. The machine made the typical whirring noises as if it was going to give me money, but the door opened and shut immediately. I did not get my money, and the screen said something about the transaction not being supported, or something to that effect. I did not get a receipt, it took a bit for me to even get my card back, and the next thing I did was to try and see what my balance was. I have a receipt that shows a XXXX balance, and in reality, I have {$25.00} still left on the card. If you need to see a copy of the receipt, I can send it, but I am sure you know that ATM was {$300.00} over on that day. You also have cameras to see that I did not get any money out of it. I can also provide you with a picture of me... 

So, I made a phone appointment yesterday at XXXXXXXX XXXX, and XXXX XXXX called me, was very condescending, and told me to file a claim with XXXX. It's not their machine. It's your machine. I WANT MY MONEY. I am prepared to file a claim with the Consumer Financial Protection Bureau. I am going to give you until tomorrow to tell me that I can go to that branch and get my money on Friday of this week. If you do not, I will not only file the complaint, but I will post online in as many forums as I can, telling people that you are thieves, and to take their business elsewhere. 

Just FYI, I have been an XXXX XXXX XXXX XXXX XXXX for seven years. I have posted MANY reviews in that time. My posts have had over XXXX views. Do you really need that much bad publicity? FIX THIS. 

Waiting for your reply, XXXX XXXX XXXX ( XXXX ) XXXX ( I will be available to receive phone calls from XXXX XXXX XXXX XXXX tomorrow if you would like to discuss this and apologize to me for your equipment failure )
Product: Credit reporting or other personal consumer reports

To whom this may concern : This account was charged off on the following date XX/XX/XXXX. Since then, the date of last activity has been incorrectly updated on Equifax the date of last active XX/XX/XXXX, and XXXX has deleted the account. If the information is coming from the original creditor the dates should be the same. We can not say theses accounts are 100 % accurate so it is deemed inaccurate. Please, delete this account from my report : XXXX XXXX ACCOUNT NUMBER : XXXX
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. 

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 and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Checking or savings account

On XX/XX/year> I received an email from chime stating that on XX/XX/year> my account that I've had with them for several years would be closed. I called to find out why they stated that the member terms and conditions had been broken. When I asked which ones they would not give me any further information. I did explain to them that on that same day I had been trying to process an XXXX payment for XXXX and XXXX kept processing it to my chime debit card as opposed to my XXXX card in XXXX 's error. That did not matter they would not tell me any information they said I could not appeal this decision and again would not provide me further information or details on why my account is being closed. 

Also while speaking with the representative I was asked to provide information to verify security that would allow my account to stay open however after I provided all of my personal information my name date of birth email address phone number and address the agent told me none of that helped in my account was still being closed
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased hair products at XXXX XXXX store in XXXX XXXX with the amount of {$29.00}. ( please see receipt attached ). 
On XX/XX/XXXX, I returned the hair products because it dried and damage my hair and my scalp. I asked for store credit as it states in the receipt that : '' If your purchased does n't give you the beautiful results you 'd hoped for, we will happy refund your money ... .If your receipt is older than 60 days, you 'll receive in-store-credit for the lowest selling price within 60 days before return ''. ( please see receipt attached ) The XXXX XXXX store 's manager refused to return my money. 
On XX/XX/XXXX, I contact Capital One credit card for dispute the charge. The Capital One credit card staff told me that they will credit back to my account soon. 
Until now, I have not receive credit back from credit card company. On XX/XX/XXXX, I contact the Capital One credit card company again, they told me that they do n't allow me to dispute the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account from Phoenix Financial Services showed up on my credit report on XX/XX/2021.I sent a certified letter on XX/XX/2021 letter requesting proof of the debt, also requested to remove this account from my credit reports. Phoenix Financial Services received the letter on XX/XX/2021. I never received anything back from this company and this debt is still on my report.
Product: Credit reporting or other personal consumer reports

Account # XXXX Knights Adjustment Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX REPORTING TO CREDIT IS A FORM OF COMMUNICATION. Per the below, remove the report to all credit bureaus for this account within 24 hours.

Per 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except\\
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are purposely trying to lowering my credit rating by having the same alleged debt listed twice on my consumer report furthermore I have no obligation under federal law to pay a debt collector until a judgment is issued by a court. This collection has not been filed in any court jurisdiction and the only reason the consumer agencies are reporting this information is because they are paid then they make profits from selling this information to various other third parties. This is illegal because their service is one that is not required and they need written or expressed consent which I have not given. This is a legal notice to remove this collection or I will sue under FCRA and file arbitration based on the service agreement.
Product: Checking or savings account

On XXXX I attempted to withdraw XXXX out of the ATM owned by Associated bank located at XXXX XXXX XXXX XXXX IL XXXX I did not receive this money the ATM said unable to dispense or something like that released my card and I came home thinking nothing of it.. I also used the same ATM on XX/XX/XXXX and XXXX withdrawing XXXX each time.. my banking app don't allow me to overdraft and would have never allowed me XXXX in XXXX days I only take me rent out of my account which is XXXX so I get XXXX out ... .So I filed a dispute with my institution Daves app resolved in my favor..Then Associated took XXXX again causing me not to be able to pay my rent.. I get XXXX something from. XXXX and I know I never got the money out on the XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 

These are the accounts that I have marked as inaccurate that I want removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Conns is reporting this high debt thats not owe please remove this debt this is definitely identity theft
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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
Product: Credit card

This credit card was mistakenly closed and flagged as fraudulent by mistake. Please reopen this account immediately. I have attached a supporting document proving that I am the owner of this account.
Product: Credit card or prepaid card

Capital One called me of a period of 6 months everyday between 7 am and 9 am Hawaii standard time hounding me to pay my credit  card bill when I asked them to stop calling me and harassing me also the calls were from XX/XX/2018 to XX/XX/18 daily even after I Asked them to stop calling me and put my name on the do not call register I have hundreds of calls from them which is a violation of the law all which are on my voicemail. I finally had to block them but I am still receiving calls please help me this is unacceptable their harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX  and Equifax. The complaint numbers were XXXX ( Equifax ), XXXX ( XXXX  ) and XXXX ( XXXX  ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, XXXX  and Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my husband ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX  and Equifax must be held accountable and to the standards clearly outlined in the FCRA.
Product: Debt collection

I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report, Notice to Furnishers, and XXXX Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance this the Fair Credit Reporting Act this creditor has violated my rights. Under the 15 U.S. code 1681 section 602 states that I have a right to privacy. 15 U.S code 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. code 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I'm still im disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like for this item to immediately be re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX ( XXXX ) In accordance with the fair credit reporting act, public law 91-506, TITLE VI SECTION 611.PLEASE provide the names and updated copy or my credit report after reinvestigation.I request because of these inaccuracies that this account be deleted off my credit report.EQUIFAX AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX CITIBANK NA., BEST B XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 15 U.S.C . 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

There is a Capital One personal and business credit card account that is reporting inaccurate. I had contacted the credit bureau about the business credit card reporting on my personal credit report. The credit bureau did investigation as the account was not mine, which triggered Capital One to close both my personal and business credit card. I made full payments on both my personal and business credit card on XX/XX/year>. I received a letter from Capital One on XX/XX/year> stating that both accounts were closed. 
As of XX/XX/year> the credit bureau is reporting that these accounts are late and recently just reported that they were closed in XXXX which is inaccurate. These accounts were closed with a XXXX balance as I stated that a payment was made on XXXX second way before the XXXX statement even came out. I have included the letter that was sent from Capital One stating that this account was closed on XX/XX/XXXX as well as my statements showing that a full payment was made on these accounts before they were close.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I had a large settlement go into my Truist bank account /I opened the account because my attorney banked with Truist and thought it would be easier because its the same institution.So I go into my local branch and advised them that I was traveling to XXXX which I reside in XXXX all is still XXXX  XXXX on vacation my account is locked I call in I beef Im asked about the wired transfer that the attorney did which Ive had a lot of transactions prior but everytime they get me XXXX thats what Im being asked about. So I verify account info supposedly the account is unlock .nope I have to call back so I was like maybe its easier if I just go into the bank and take the funds out .i get to the branch XXXX XXXX XXXX XXXX ) location the banker tells me everything about my account looks suspicious.they give me the worst embarrassing time .Before I leave to head back home I use my debit card to order my vehicle and my daughters at the collection auto .Mind you when I swipe my debt card ( XXXX separate transaction XXXX for XXXX and a XXXX one for XXXX they dont lock my card .This was in XXXX in XXXX the car that my daughter ordered we cant get so the company The collection auto refunds me the XXXX .Truist flags the transaction as fraud .Mind you if they were to go over my account statement they would see that the money came from the same account in XXXX .Noooo they treated me like a criminal during the holidays frozen my account and closed it .So then the car thats ordered for the XXXX I cant get because I co signed for my daughters car in XXXX so again the Collection refunds the account but this time the account is closed Ive been calling trying to to locate the funds between both entities and Im just getting pinging around .I know that funds cant be returned to a closed account but they have an XXXX  number please help
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the CFPB. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Checking or savings account

2014 I moved to XXXX Maryland, XXXX XXXX XXXX XXXX Maryland XXXX. 1. Home belong to XXXX XXXX, died. She had a checking account at sun trust bank down the street, and am her beneficiary of her estate. 
As her legal Aires, I support the checking account today, and. I lost all checking accounts number to sun trust bank of XXXX Maryland. Fraudulently, change of logo, sun trust to trust bank is fraud. COVID VIRUS incident. No. It's a bank takeover of the department of the airforce. 
XXXX XXXX checking account is a beneficiary account. Supported by legal aire by XXXX XXXX ESTATES