23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at the XXXX XXXX earlier today XX/XX/20 because I want to buy my mom a new car but when they ran my credit to see what I qualified for, I was told that I wasn't approved because there is already a XXXX XXXX XXXX account appearing on my credit as a repossession as well as a XXXX XXXX Account appearing also as a repossession & XXXX collection account. I have never leased a car with either of these companies nor have I ever had any of my cars repossessed and I have never signed any contract or document with XXXX  collection company. I don't know who these accounts belong to and I did not benefit anything from them being on my credit history such as money, goods, services or any other benefit. I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. I also took it upon myself to file a police report and a complaint with the CFPB.
Product: Checking or savings account

On XX/XX/16 I had my account overdrafted by a single transaction. Wells Fargo shows you your available balance ( including pending added in ). So transactions were made based on what was available and already posted. 

A payment based off a business expense went through that can't be predetermined. Causing a overdraft. Every transaction made before this transaction becomes part of the overdraft and each small transaction becomes a XXXX $ fee even though you had the funds at the time. 

Then Wells Fargo claims if you deposit enough to put you positive within that day ( XXXX ) the fees would be taken off. Which I did They did not honor this and after speaking with a honest rep they admitted this is how they trick customers and how they make there profit. 

I was offered to take off overdraft protection which they stated " allows you to still make transactions so you wouldn't be embarrassed '' but charges you a fee. This all while you are still showing a positive balance. The then at the end of the day take all the transactions after the overdraft transaction and overdraft all those too. 

This is straight misleading and fraud and its there default. 

So a bottle water, XXXX, XXXX in gas, etc ends up being a XXXX $ bill due to only one transaction overdrafting.
Product: Credit card or prepaid card

The problem is summed up mostly in the communication I sent to Chase, issuer of the card : " I am writing regarding a dispute of the above charge that was originally filed on or around XX/XX/XXXX. Chase responded with a letter on XX/XX/XXXX, stating that the charge was valid, but I called Chase on or around XX/XX/XXXX, to renew the dispute and explain that Chase had been given incorrect information by XXXX in its effort to sustain the charge. Thus, I am writing you now. When I made the XXXX booking on XX/XX/XXXX, the following flights with the following times were confirmed : Sunday, XXXX XXXX, XXXX XXXX ( XXXX ) ( TN ) XXXX XXXX XXXX XXXX Tuesday, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) ( TN XXXX XXXX XXXX XXXX These flight times were acceptable to me. However, on or around XX/XX/XXXXXXXX XXXX  unilterally and without my consent, changed the departure time at XXXX on XX/XX/XXXX from XXXX to XXXX, and the departure time from XXXX on XX/XX/XXXX from XXXX to XXXX. These time changes made both flights totally impossible for me and my family to use. Therefore, we did not fly on these flights. 

The Department of Transportation has indicated that consumers are entitled to a refund if there is a significant schedule change. Both changes were clearly significant schedule changes as they involved hours difference on both flights. Therefore, we can conclude that XXXX and I contracted for XXXX flights at a certain schedule, and then changed the departure times of both significantly. My family and I then became unable to use those flights because of XXXX schedule change, and in fact, did not use the changed flights. Therefore, a refund should be issued. Thank you for your attention to this matter. '' After receiving this communication, Chase refused to refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAMEI am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # 39 ; s. On XX/XX/2021, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my XXXX Credit Report and there are XXXX listed accounts that are fraud off of my credit report and reporting negatively and fruadulently. I have never held any services or received any good from the listed creditors ; *BMW Financial Services- ( XXXX  Acccount # XXXX ) This account was opened in fraud by someone who used my personal information to obtain. I have been going back and forth with bureau to get any identifying information on this fraudulent auto loan. ( Names, dates, signatures, payment accounts, addresses, etc. 

XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) This account was also opened in fraud. 

I have filed identity theft forms, and also police reports, I can not take it to the next level of legal/ court standpoint because the credit bureaus will not furnish me with any identifying information on these fraudulent debts in my name. 

When these account were opened I was living in XXXX XXXX, MO
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that I was paid on time. Consumer reporting agencies need to report all information accurately. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. Thank you for your understanding andpromptaction.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Experian ]. This request is based on the recent deletion of an account by XXXX, XXXX of the four major credit reporting agencies. I recently disputed a charge-o for {$26000.00} from XXXX XXXX XXXX Account XXXX XXXX The company listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right. to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. Thank you for your immediate attention to this request.
Product: Credit reporting or other personal consumer reports

I am a victim of fraud/identity theft. I did not authorize XXXX XXXX  to run my credit and add anything to my report. Please delete/ remove this inquiry off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint today regading the Credit Reporting Agencies. I am appalled by the lack of responsibility on the Credi Bureaus ' behalf. When will the Credit Bureaus going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please correct the following accounts : XXXX XXXX XXXX XXXX, MO XXXX- Please remove this inaccurate and outdated address as soon as possible. 
XXXX XXXX XXXX XXXX, MO XXXX- This is not my home address neither did I ever currently received mail to this address. Please verify and remove immediately. 
XXXX XXXX Balance : {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account USDOE/XXXXI XXXX Balance : {$0.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 
USDOE/XXXX XXXX XXXX : {$0.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 
XXXX XXXX Balance : {$0.00} - This account is not charged to me. My record shows that this account was paid as agreed and Balance is XXXX. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXMy name is XXXX XXXX. I have two accounts ending in XXXX and XXXX. The last four of my SS # is XXXX. I am writing to dispute the late payment reported by XXXX  XXXX I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! THEY NEED TO CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX XXXX before hitting me with late credit reporting! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. They need to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES CALL ME ONCE THAT IS DONE!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am reaching out to address a serious concern of identity theft related to an account opened under my name with XXXX XXXX XXXX on XX/XX/year>. Despite submitting substantial evidence, including a police report, message screenshots, my credit file, drivers license, social security card, and an Equifax dispute confirmation, my repeated requests for information from your company have been overlooked over the years. 

This lack of response is not only disrespectful but also a violation of my consumer rights. The documents I have provided clearly demonstrate that the account was fraudulently established without my consent. 

I urgently request that XXXX XXXX XXXX act immediately to investigate this matter and provide a detailed response that recognizes the gravity of this identity theft and outlines the steps you will take to rectify the issue. 

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

In the previous Complaint number : XXXX - I sent to Experian I said the following : " Please reach out to the credit bureaus as well as XXXX XXXX to remove 4 people from receiving offers at my address. These 4 below people DO NOT live at my address and are not associated with me or any of my family members in any way. Please remove from getting unsolicited offers from these people specifically for any bank as well as XXXX XXXX. I received 4 pre-qualified offers in the mail for these 4 below people. We do not want to receive these again, please. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' I did never say in any way that I wanted myself to be removed from pre-screened offers ... I said I do not want to receive pre-screened offers for those 4 people specifically. So now theres a separate issue. I myself, XXXX XXXX want to receive pre-screened offers. But i do not want to continue to receive those 4 people information to our address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer report obtained from SageStream LLC showed incorrect information due to identity theft. I contacted SageStream on XX/XX/21 to dispute the information. I was told it takes 30 days to investigate. It is 42 days now and I have not heard anything from them yet.
Product: Checking or savings account

On XX/XX/2022 I deposited two checks at a local XXXX branch. These checks were made out multiple parties, all of which had endorsed the checks to allow me to deposit the check. I received a $ XXXX check and a $ XXXX check from my home insurance company XXXX for wind and hail damage to my primary residence. The first check was made out to my wife, my mortgage lender and a public adjuster we had used for help with our insurance claim. The secondary check was a supplemental check from the insurance company and that was made out to my wife and the public adjuster. I had sent out the first $ XXXX check to my lender who endorsed the check and mailed it back to me. The two checks were then endorsed by my public adjuster after which they were endorsed by my wife and I then deposited them with the teller at the bank. The teller informed me that it may take up until the XXXX for the funds to fully clear and be available, which is fine. I went to sleep and woke up to an overdrafted checking account as Chase put a hold on the original check and the deposit action of the check was no longer showing up in the online portal. This negative balance in my checking account effectively prevented me from making any payments or using my debit card for any purchases for all of XX/XX/2022. I contacted Chase via phone and they were adamant that I force the other two representatives of the companies on the original check to visit a local Chase branch and confirm they endorsed the check, something that I am not legally required to do, nor something that my mortgage lender or public adjuster is required to do. Their endorsement on the check is all that is needed for me to deposit the check at the bank, and I'm not legally required to force people to show up at local Chase branches, as I states multiple times on the phone to the Chase representative I spoke with. I even went as far, as to spend XXXX minutes explaining what this check was for and how it originated, but the representative would simply mute themselves and come back 1-2 minutes after I finished speaking and pretend they didnt hear what I said. Today, ( XX/XX/2022 ) the negative balance on my account has disappeared as the remote deposit at the chase branch now accurately reflects in my account. I am however actually still unable to perform any transfers, make any payments or use any of the debit cards on our checking account. Chase needs to rectify this mistake and allow me the full use of the funds in my account that did not originate as a result of this recent deposit, and must eventually also release the money from these two checks to me as it is legally my money sent to me by my insurance company allowing me to repair my roof before winter gets here. At this time, i am unable to pay for any utilities, unable to pay for our mortgage, car loan or any of our credit cards due to the negligent conduct of Chase bank.
Product: Credit card or prepaid card

My office was burglarized and several coworkers credit cards were stolen including mine. This happened at approximately XXXX on XX/XX/XXXX. I was informed of theft by coworker, when I checked my wallet, I noticed that my Bank of America personal and business credit/debit cards were missing and a XXXX XXXX credit card as well. I immediately called Bank of America to report theft and block cards from additional charges, this was approximately 2 hours after theft. While on the phone with the credit card fraud department, I was logged online to my B of A accounts to confirm fraudulent charges. When on the phone for the business account I saw only 1 fraud charge at that moment, it was a charge for {$3800.00} at XXXX XXXX   XXXX  CA. I explained that this was a fraudulent charge, and that I have never shopped at this store ever. Initially B of A provided a credit for the the charge from business account on XX/XX/XXXX. B of A then reversed the credit on XX/XX/XXXX for the amount of {$3800.00}, claiming I had made the charge. I contacted the claims department at B of A to reopen the claim and provided police report numbers and supporting information the this was a fraudulent charge. I have called back every week to get B of A to recognize that this was not a legitimate charge. Of note my B of A personal credit/debit card fraudulent charges were all returned. It seems odd that they would confirm fraud for one card and not the other. I was responsible and called immediately when I noticed the card stolen. I managed to stop further charges by acting quickly.
Product: Credit card

I am disputing the collection account with XXXX XXXX XXXX XXXX account number XXXX dated XX/XX/year>, with a balance of {$570.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries that were fraudulently added to my credit file. I am a victim of a data breach, and these items were not authorized by me. Under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items permanently removed. 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$1400.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$4800.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX OF XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the Fair Credit Reporting act XXXX Account XXXX, XXXX, XXXX, has Violated my rights. 

XXXX5 U.S.C 1680 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 without my written Instructions.
Product: Debt collection

third party attempting to collect a debt that was settled. I was not given full disclosure for contract. Nor do I have any contract with company attempting to collect a false debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

i need to delete credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on these accounts. Please provide physical proof of late payment for the following accounts : Dept of Education/ XXXX  # XXXX ; XXXX Please provide method of verification of late payment with physical proof.
Product: Payday loan, title loan, or personal loan

Originally, I set this account up in XXXX, and automatic payments were coming out until XX/XX/XXXX, when they stopped. They were sending bills to another home that I have and should have been sending them to XXXX XXXX XXXX, the home that I had the security system from XXXX set up in and the address that bill belongs to. I received late notifications to my home in XXXX, TN, and was unaware that this account had gone delinquent. When I called on Thursday, XX/XX/XXXX, to express that I was agitated and demanded that they reopen my closed account, return my late fees and update all three of my credit reports to reflect current and never late. I received an email today, XXXX, that returned {$78.00} to me in late fees, though I believe that I am owed more than that.
Product: Checking or savings account

Citizens bank closed my account without my consent so they don't have to honor {$400.00} promotional offer, see below. They ran my credit and subsequently approved and opened Savings/ Checking acct for me on XX/XX/XXXX, then on XX/XX/XXXX they revoked my access to online banking without my knowledge. I have direct deposit already on the way to my checking acct. They shoud n't be allowed to do business in USA for false advertising then reneging on offer, I went through alot of trouble to set everything up. 

https : //www.citizensbank.com/promo/checking/special-offerXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XXXX is a scam! 

This {$25.00} prepaid XXXX card was activated in XXXX and it expired in XXXX. all the funds were removed from the account when the card expired. 

Even though I registered the card, there was no notification that the card would expire and they took no steps to try and resolve the issue. 

I called and went to the website. Nobody was of any help.