23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On multiple occasion we ( members of the family ) tried to close my elderly fathers account at Key Bank. I am a POA and showed up with it in hand and the POA was turned down. The reason for trying to close the account is because after getting into my dads finances i discovered {$1000.00} of dollars in nsf fees. My parents had a very low debt ratio so it was clearly them being elderly and making mistakes managing their money. A financial institution should recognize this and close their account. My dad just passed on XX/XX/XXXX and we attempted again to go close his account and where turned down because we needed a death  cert and a short form which will not happen until me the executor is sworn in.. My dads other bank closed the account with just a death cert and copy of paid funeral bill. Key Bank since has charged him another {$7.00}. This is a disgrace to our elderly and i feel the bank is charging fees to help their bottom line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I recently requested my credit report from all three credit bureaus. I noticed that credit acceptance has repeatedly accessed my credit report without my consent once again the company name is Credit acceptance I am including a screenshot of my XXXX credit report which shows Credit acceptance use deceptive business practice I have never heard of this company nor have I ever did business with this company other than looking at my credit report and seeing the numerous hard inquiries I am including a screenshot showing the illegal access to my credit report which is harming my personal life and putting me in hardships as I am being turned down for new credit opportunities. I'm including a screenshot of my credit report showing these illegal tactics used by this company credit acceptance
Product: Credit reporting, credit repair services, or other personal consumer reports

During a dispute with Experian accounts are being reported over 7 years and they are pencil whipping dates.
Product: Credit reporting or other personal consumer reports

Upon checking my credit profile, I noticed several fraudulent accounts and inquiries reporting on my file that I did not open. 

XXXX XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXXXXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX  XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX  Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX {$110.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX Account XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXXXXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX  Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$110.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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
Product: Credit reporting or other personal consumer reports

I approach this matter with genuine intentions and a commitment to resolving it amicably. Over the past few months, I've diligently attempted to rectify issues with various reporting agenciesEquifax, XXXX, XXXX, nd others like XXXX, XXXX, and XXXX XXXX XXXX XXXX. As I progress, I note that my nonpublic personal and financial information has been disseminated to third parties without my explicit written consent, a situation which violates my rights to privacy and confidentiality. I kindly request that all detrimental information causing disruptions in my daily life and adversely affecting my reputation be permanently removed or updated to reflect accurate and fair information, especially those marked as " paid as agreed, '' within the next 10 days. Under 15 USC 1681.6801, I've faced significant financial hardship, emotional distress, and embarrassment, particularly when seeking credit due to inaccuracies in my consumer report. According to 15 USC 1681 ( A ) ( F ), these negative and erroneous reports constitute unfair practice, as it is unlawful under 15 USC 1601 to deny credit to a consumer due to such discrepancies. By law, late payments ( 15 USC 1692 ( p ) ), hard inquiries, collection agency actions, and charge-offs must be promptly removed. Despite multiple attempts to address these concerns through calls and written correspondences, my efforts have been disregarded, particularly by XXXX, which has proven challenging to engage with regarding my complaints. In accordance with the law, I am now formally requesting the removal of each negative item and seek compensation of XXXX XXXX dollars per negative item from each third-party involved for the emotional distress and suffering caused. Please send this compensation via cash, check, or money order to XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. Despite my respectful attempts to dispute the inaccuracies, the reporting agencies consistently verify the information through their systems, disregarding the inaccuracies present ... .Regarding the debts in question, I insist on receiving documentation bearing my wet signature for each alleged debt. I request clear proof of these reported debts within the stipulated 10 days. Any intentional violation of my rights or misrepresentation of my character is a serious breach, and I emphasize that such reporting violates both my rights and my credibility, which is unlawful. 

Prior to pursuing any escalated actions, I am eager to swiftly resolve this matter. My aim is to find a fair and expedient solution. I anticipate a prompt response to address these concerns and rectify this situation as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$33000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX NY XXXX ; XXXX XXXX XXXX Balance Owed : {$33000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX.
Product: Credit card

I submitted a list of unauthorized charges to Barclays bank. They did an exhaustive review and I have a recorded conversation that revealed they reviewed the charges and agreed that the charges were unauthorized. They further sent a letter saying the same that the charges were unauthorized. Late in the game, some adjustor named XXXX stepped in and decided out of the blue that all of the charges were legit and reversed all the credits a previous adjustor found unauthorized after that previous adjustor reviewed for months ( XXXX reviewed for 72 hours ). Over the phone XXXX said it was because of the fact that the charges were XXXX charges and that on my XXXX profile there 's a photo of my wife and I in XXXX ... .Well yes, XXXX that is accurate. 18-24 months before the unauthorized charges took place, i proposed to my wife in XXXX ( I did n't know that was illegal or that deemed someone allowed to use my credit for unauthorized use at their leisure after the fact and I foot the bill ). There is a clear time stamp on this photo in XXXX which I willingly faxed to XXXX. I, also to show XXXX I was n't in XXXX when the charges took place, faxed him a copy of a doctor 's report for my ongoing XXXX case that clearly shows I had a doctor 's visit in XXXX when charges took place in XXXX.
Product: Student loan

Wells Fargo acted as servicer for student loans. Was advised that loans were enrolled in program to receive public service loan forgiveness as a XXXX. Completed monthly payments for years. Loan were transferred to other servicers, and Wells Fargo now has no record. Have met my obligation now, as over 10 years of on-time payments have been made. 

This is very typical and part of a nationwide problem. A similar situation has affected hundreds of thousands and this is the result of over 99 % of those who qualify. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

An account ( loan ) was opened without my consent XX/XX/XXXX XXXX it was an individual installment, with frequency bi-weekly for XXXX  months. The balance is {$3500.00}. There was a first reported on XX/XX/year>. The account ends in XXXX. The company name is XXXX/OPPLOANS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Never have traveled/nor reside in XXXX. My identity is being used to open accounts without my consent. Please I urge you to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX ; XXXX XXXX XXXX XXXX : {$2000.00} ; XXXX  XXXX XXXX Balance : {$5400.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.

I have never shopped or did business with this company, XXXX. I have never had an account with them.
Product: Debt collection

Account Details : Alleged Creditor : XXXX XXXX XXXX Alleged Debt Amount : [ Insert Amount if Needed ] Account Number : XXXX ( as listed by Bonneville Collections ) Nature of the Complaint : Bonneville Collections is reporting an alleged debt to the credit bureaus but has refused to provide any validation of the debt when contacted. This violates the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ). 

Details of the Violation : On XX/XX/year>, at XXXX XXXX, I contacted Bonneville Collections to request validation of the alleged debt in accordance with my rights under the FDCPA. 
Bonneville Collections refused to provide any validation, stating that the account was too old to require validation and that I should simply pay the balance. 
I have never received an initial written notice of this alleged debt, violating FDCPA 809 ( a ), which requires debt collectors to notify consumers of their right to dispute.

Despite their refusal to validate the debt, Bonneville Collections continues to report this account to credit bureauswhich may constitute furnishing inaccurate information under FCRA 623 ( a ) ( 1 ).

I am preparing to send a formal written debt validation request ( including it now will send out on the 7th ) in the coming days, but given their verbal refusal to validate, I am concerned that they will continue collection activity without providing proper documentation.

How This Affects Me : Bonneville Collections refusal to validate the debt prevents me from verifying its legitimacy, impacting my ability to dispute inaccurate or unauthorized charges.

They are actively reporting this debt to credit bureaus without providing verification, which could constitute fraud and defamation under Wyoming Statutes 1-29-101. 
This has caused negative impacts on my credit, affecting my ability to obtain financial opportunities. 
Their false claim that they are not required to validate the debt misrepresents consumer rights under federal law. 


Also contact info phone number, mailing address is different on each credit report from company. And different as well on their webpage. Very confusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

opted out dont to report to XXXXXXXX XXXX ftc violations
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

My parents dog recently passed away suddenly and I wanted to get them a new puppy. 

I had been checking into puppies when my mother notified me she had found one through a friend who had gotten a puppy from this company and they were more reasonably priced. 

As they were referred by a friend, and we checked all the puppy scam lists, we were not hesitant to move forward on the transaction. We both signed the contract electronically and on XX/XX/2019 XXXX ET I transferred the money to them through XXXX XXXX XXXX. 

We were to pick the puppy up from the airport on XX/XX/XXXX. They answered all my mother 's phone calls and emails and were very cooperative. 

On XX/XX/XXXX, I received a text message from my mother that she now saw them on the scam list. What we didn't know was that the couple who was referred to us had retired and this company purchased their domain name since they had such a good reputation. 

I have been told by my bank, Huntington, that since it was a XXXX transfer there wasn't anything they could do. When I called again they said they would open a case but it would take 60-90 days and still probably couldn't do anything. 

My mother filed a complaint with the XXXX, TX Police Department ( we are still waiting on a case number ). The FTC ( XXXX # XXXX ), the ic3.gov ( Victim # XXXX ), the XXXX, she found their IP address and spoke to the hosting company for their website and got it shut down, to XXXX to get their email addresses closed and to XXXX so they could be put on their list as well. 
My mother was told that do to the severity of the problem, it is now under the umbrella of Homeland Security. When my mother followed up with the FTC and ic3.gov, they both stated that if we had any problem with the bank to notify them. 

All I'm asking is that, as with any other fraud claim, the money be returned to my account while its being investigated. We certainly have enough information to proof it was a scam/fraud. 

My concern is, if they take 60-90 days to investigate, this company will be shut down and there will be no way to make contact with them.
Product: Debt collection

ARS National Services sent me a response to a validation request I sent to them on XX/XX/2018. I am not under contract with ARS National Services not was a contract sent to me to validate this debt request. I do not owe this debt and al requests to collect should cease and be removed from all credit bureaus. 

Due to my rights as a consumer being violated this debt needs to cease reporting to the Credit Repair Bureaus all three.All incorrect unvalidated information needs to be deleted immediately.
Product: Credit card

I am writing to file a formal complaint against XXXX, specifically concerning a Visa Gift Card issued by One Vanilla, backed by VISA, which I purchased at XXXX in XXXX on XX/XX/2023. 

Upon realizing that the card I purchased was fraudulent, I promptly reported the issue to the designated customer service contact. They assured me that a replacement card, loaded with the {$500.00} value, would be issued. However, despite their assurances, I have not received the replacement card. 

I have diligently followed up with XXXX through numerous phone calls, but regrettably, the promised replacement card has not been sent. This has been an ongoing issue, as I have contacted them approximately XXXX times since my initial report, and I am yet to receive any resolution. 

I am deeply dissatisfied with the level of service provided by XXXX, and this situation has caused significant inconvenience and financial strain. As a consumer, I expect prompt and efficient resolution of issues, especially when it involves fraudulent activity on a product associated with a reputable company like XXXX. 

I kindly request your intervention in this matter to ensure that XXXX addresses this issue promptly and fulfills its commitment to provide a replacement card with the promised value. 

I appreciate your attention to this matter and look forward to a swift resolution.
Product: Mortgage

Received notification that taxes were increased therefore increased mortgage paymentsfrom Wells Fargo Bank
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed a fraudulent account on my report. Please remove this account from my report as it is hurting my ability to obtain credit.
Product: Credit card or prepaid card

I opened an American Express Gold  Card at XX/XX/2019 with the welcome offers, including XXXX points after spending {$2000.00} in three months and 20 % dining cash back up to {$100.00}. When I opened the card, I did not receive any pop-up message from the AMEX saying that I was not eligible to this welcome offer. 

However, after completing the spending requirement, i did not receive the promised welcome bonus. I contacted with AMEX customer service and got the response that " I am not eligible for the AMEX Gold welcome offer, because i got a XXXX Card in XXXX and received the bonus on that XXXX Card. '' I didn't see the connection between the old card and the new card. I had accomplished all requirements for the XXXX card and did not close it. 

I should got the promised bonus for the AMEX gold  card.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number:XXXX Reason : I don't recognize this account