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

Hello, In XX/XX/2017 I got into an automobile accident when a XXXX  driver swerved into my lane. I was injured and then I had gotten an XXXX XXXX XXXX XXXX and was stuck up in a hospital for 7 weeks after that. I am just now recently returning to work and have had 9 overdraft/nsf fees from being out of work. 7 fees in my every day checkings account and 2 in the savings account. I went in and showed documentation of my issue and the store manager tried the best he could. 9 {$35.00} = {$310.00} in fees collected by Wells Fargo. The manager said the company system only produces what we can do to help the situation, and couldn't control it. He said he was able able to recovery 25 % on those 7 transactions in my everyday checkings account.
Product: Money transfer, virtual currency, or money service

2 payments were made at the same time to 2 different people only one was authorized ( XXXX XXXX ). 

This was for a hair appointment. The 2nd ( unauthorized ) transaction was to a man ( XXXX XXXX ) who helped me move my home back in XXXX! 

It is XXXX! I thought this would be fairly easy to resolve, but this crooked company says the payment was authorized ( even though the receipts and payments at exactly the SAME time to XXXX different people suggest otherwise!!!! ) It isnt difficult to see from the receipts that I would NOT be paying the mover for a hair appointment ( see the images ). 

It should not take all of this to return funds that have been mistakenly removed from someones account. Completely dishonest and unscrupulous!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Amount {$8.00} I contacted the company in regards to a fraudulenly accoun opened on my credit report and reporting inaccuracy that has caused damaged after providing a police report o company via email as requested. 

ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Dear Experian, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. 

The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : {$6200.00} Account Number : XXXX Party Owed : XXXX XXXX  Amount : {$500.00} Account Number : XXXX Party Owed : XXXX Amount : {$2000.00} Account Number : XXXX I am disputing this claim due to. I received a copy of my credit report and I have found the following items listed below to be in error. 

Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave You, XXXX, any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1661 b. The Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

You, XXXX, should be ashamed of yourself for ASSUMING this role and position to constantly conunit fraud and cause harm to consumers. 

This is the official request to have the aforementioned item to be deleted off a credit report. 
Enclosed may be additional evidence to support my claim Sincerely, By XXXX XXXX
Product: Checking or savings account

Capital One has experienced an outage that has affected my direct deposit. As a result, I can not do as I planned until I receive my funds. This needs to be resolved immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent, via certified mail, TransUnion a Method of Verification Request for a collections account, XXXX XXXX XXXX XXXX. TransUnion received and signed for the request on XX/XX/XXXX.

By federal law TransUnion has 15 days to provide me with the description of the methods used to verify the account. After having not been provided with the requested information, on XX/XX/XXXX I sent TransUnion an Intent To Sue letter for violation of the Fair Credit Reporting Act. 

As of the filing of this complaint, TransUnion has yet to satisfy my request. I do not wish to file a lawsuit so I am making this last ditch effort in an attempt to get TransUnion to comply with the Fair Credit Reporting Act : Provide me with the description used to verify the XXXX XXXX XXXX XXXX account, or delete the account from my credit profile.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN : 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 XXXXXXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

My check was wrongfully garnished XX/XX/XXXX. I contacted a representative of Parrish and Lebar and was told that my money could be returned to me. I declined the offer and asked to have the garnishment of {$320.00} applied to my remaining balance. I contacted the law firm today to obtain my balance and to make sure the garnished payment was applied. I was told {$320.00} was applied on XX/XX/XXXX. I received a call soon after from the supervisor. She threatened to garnish my pay again because I didn't make a payment in XXXX. I told her that I did, I let them keep the money from the 1st garnishment. I also explained that my remaining balance owed to XXXX Traffic Court isn't due until NEXT YEAR, so there shouldn't be any more garnishments. She stated that I had a payment arrangement with them and because I didn't physically call in to make a payment in XXXX that she was going to send for another garnishment. My agreed upon payments to this law firm is no more than {$150.00}, they received {$320.00}, that's 2 months of payments. I also told the supervisor that I have XXXX next week and I can not afford to pay anything else at this time due to my medical bills. She basically said oh well.
Product: Debt collection

I recently established an account with XXXX ( XXXX ) in attempts to settle my debts so I do not have to file bankruptcy. I have made written/verbal and cease of communication notice to this company XXXX One Main Financial XXXX and they continue to harrass me not only at home, but on multiple cell numbers and at work twice after a cease of communication notice was sent to them XXXX/XXXX/15 and confirmed receipt of this by a threatening call from the owner of the local branch XXXX XXXX XXXX XXXX. One Main Financial has continued to call my workplace with threatening tatics, etc. I received another call at work XXXX/XXXX/15 at XXXX from XXXX with One Main Financial and again requested verbally that she not contact my work number. I have given their company contact info ( Phone/address, etc ) for XXXX which is now attempting to settle my debts.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a dispute with XXXX  and Equifax to remove an account that is paid from XXXX XXXX. The response was account was " verified '' and would show remained. I called and submitted again on XXXX and was told the same thing. I explained that it was paid and provided the document that was paid and that it should be removed because it was still showing as a negative item on my credit profile. No change. 
On XXXX I submitted a disputes with XXXX, XXXX, Equifax to have unauthorized inquiries removed. Again I was met with the " verified '' statement. I resubmitted again on XXXX and the same answer. I called and asked if they could send me who they verified these items with and I have yet to receive a response.
Product: Checking or savings account

For months, I have been in contact with U.S. Bank regarding a payment of {$32000.00} that was instructed to be disbursed to me. However, they only deposited {$22000.00} into my account, citing internal miscalculations. Despite my efforts over the course of at least 6 months, we have ceased to resolve this matter through various communications, I have encountered persistent inconsistencies and misleading information from U.S. Bank. 

Initially, U.S. Bank informed me that only {$22000.00} had been deposited. Subsequently, their records indicated a payment of {$27000.00}, which still did not match the originally stipulated amount of {$32000.00}. Finally, they stated that the entire {$32000.00} had been deposited, yet their figures remain inconsistent with what was expected. 

These discrepancies have caused undue frustration and concern. I kindly request your assistance in facilitating a resolution to ensure that I receive the correct payment amount as initially instructed. 

Thank you for your attention to this matter. I look forward to your prompt response and a swift resolution.
Product: Credit reporting or other personal consumer reports

Threat actors were able to add an additional address to both my credit report and my XXXX XXXX credit card account. They then made several unauthorized changes to my XXXX XXXX credit card, even though I still have the physical card in my possession. In response, I contacted XXXX XXXX and Experian and placed a fraud alert on my credit.
Product: Credit card

I paid my TJ Maxx card late. I contacted them and agreed to pay late fee and they would remove the interest charge. I received a notice to pay the new amount and paid it in full. They proceeded to send me another bill ( after paying in full ) with interest trailing charges on the late fee. They stated it was a new condition in the customer billing terms and conditions. No one stated this when I asked for the interest charge to be removed and the new billing stating my current balance did not reflect this. I paid the interest and asked to have my account closed. If they were going to charge me going forward they should have explained it in our communications regarding the late fee and interest charge removal as I would have paid the bill in full at that time.
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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: Credit reporting or other personal consumer reports

I am writing concerning my credit report, which contains inaccurate and incomplete information that necessitates your immediate attention. I specifically wish to dispute the account : The basis for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX have already rectified these inaccuracies due to an identified error. I am perplexed as to how your bureau has verified these accounts while the other bureaus have updated them. Therefore, I request that you correct these accounts in my credit file, as they are inaccurate, erroneous, incomplete, or unverifiable. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX : XXXX SS # XXXX Dispute of Inaccurate Information Under 12 CFR 1006.34 ( b ) ( 5 ) and FCRA 15 USC 1681 To Whom It May Concern, I am writing to dispute inaccurate information that appears on my credit report. This dispute is made pursuant to my rights under 12 CFR 1006.34 ( b ) ( 5 ) and the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX Date Opened : XX/XX/year> Balance {$0.00} This information is inaccurate and Must be deleted at once. 



Request for Action : - **Immediate Investigation Deletion : I request that you conduct a thorough investigation into this matter and correct the inaccurate information on my credit report. 
- **Written Confirmation** : Please provide me with a written confirmation of the completion of your investigation and the results. 
- **Updated Credit Report** : Send me an updated copy of my credit report reflecting the corrected information. 

Legal References : - **12 CFR 1006.34 ( b ) ( 5 ) ** : This section outlines the requirements for the accuracy and completeness of information reported by debt collectors. 
- **FCRA 15 USC 1681** : The Fair Credit Reporting Act ensures consumers ' rights to dispute and correct inaccurate information on their credit reports. 

Please address this matter promptly. Failure to correct the inaccurate information may result in further legal action to enforce my rights under the FCRA and other applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had multiple late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from CBNA on my credit report from 2015. I received a loan this week and I saw that CBNA states -- amount owed {$20.00} and monthly payment is {$20.00}. I have no idea who this is. I do not have an outstanding balance to anyone for {$20.00} -- especially not since 2015! Hope you can help! I do not know who to contact to get this fixed. Thank you.
Product: Student loan

I cosigned for a private student loan for my wife, who was my girlfriend at the time. They have sent court documents to my former residence. They have not tried or attempted to contact her. The law firm representing the loan company will not come to the phone or call my wife back. The loan was originated in 2008.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I applied for a card with Capital One with the intention of using the card to execute a balance transfer. During the online application process I was asked how much I wanted to transfer and my response was {$10000.00}. Shortly after I was approved for {$3000.00}. 

The next day I called Capital One and spoke to a lady in the applications department. I let her know that if Capital One was unwilling to raise my credit limit, then the card was no use to me. The lady explicitly told me that if I did not activate the card that meant that I had not agreed to the terms of the card and my account would NOT be reported to the credit bureaus. 

After receiving the card in the mail I did NOT activate it. Instead, I called customer service to confirm that if I did not activate the card, nothing would be reported to the credit bureaus. At that point I was informed by XXXX customer service representatives that what the lady had told me was false and that the account, although not activated, would still be reported to the credit bureaus. 

As a result of the false information that was given to me, I will certainly sustain damage to my credit file through a ) a hard inquiry b ) the opening and closing of this account in the same month and c ) a drop in the average age of my accounts, all three of which have a negative impact on my credit. 

Please note I still have not activated the card and have no intention of activating the card unless Capital One is willing to raise my credit limit to {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX never picked up equipment after we moved. This charge has been removed last year by XXXX and now it appears again with a new debt collector. It states in report that this has been charged off. Have them remove it immediately. Debt collector was notified but still reported this.
Product: Checking or savings account

I transferred funds ( XXXX ) to avoid overdraft fee But because of the branch delay in processing my XXXX dollar transfer, the overdraft fee was charged. I spoke to the bank and was told that at XXXX XXXX is when the transfer was made but that is not true. I also ordered a movie from prime @ about XXXX on XX/XX/24 that payment is showing pending for XX/XX/24 but the transfer for XXXX is showing a XX/XX/24 pending and the transfer was done before the prime movie. 
If my account was overdrawn why did the movie go through I am opt out this is not adding up
Product: Credit reporting or other personal consumer reports

PLEASE SEE RECENT ADDITIONAL RELEASED OFFICIAL DOCUMENT FROM THE LAW ENFORCEMENT AGENCIES SINCE I WAS A VICTIM OF GROSS FRAUD. FRAUD COMES IN DIFFERENT SHAPES AND FORMS, NOT ONLY IDENTITY THEFT. The fraud that I had been a victim of was not under the category of Identity Theft. It was much bigger crime which I had been a victim of that the FBI has now taken my case very seriously which was not very common for this law enforcement agency to take the case from an individual victim. 

The detective 's name that handling my case on XXXX XXXX, XXXX from the XXXX XXXX Police Station, Fraud Department in California : Detective XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report XXXX : XXXX. Also, please see attached copy of an actual Police Report that they released to me which was approved by Detective XXXX when I picked it up from the XXXX XXXX Police Station last month. 

Then, the FBI XXXX XXXX named Special Agent XXXX XXXX is taking the lead of my case as of XX/XX/XXXX up to the present time. He called me on the phone and interviewed me for about XXXX hour and XXXX minutes.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. XXXX XXXX Balance Owed : {$28000.00}
Product: Credit card or prepaid card

I have asked Capital One XXXX to remove me from their mailing lists at least a dozen times over five years to stop mailing me marketing promotions but they refuse. They are sending marketing materials to an XXXX I have, XXXX XXXX XXXX XXXX XXXX. I am on all do not contact lists, personally & for this business, but they must not look at them or using them in their marketing programs. Please help me get Capital One XXXX to stop mailing me, as I have requested many, many times. Thank you
Product: Credit reporting or other personal consumer reports

I called and ask one main source how does their loans work and what did I have to do to qualify and a representative explained to me that it was a secured loan and explained to him that I wasnt interested!