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

Unauthorized debits from my checking account at Wells Fargo via XXXX service : 5 unauthorized transactions of totaling {$3000.00}. 

XXXX security breach by text message to my personal mobile device, followed by call from male impersonating a XXXX XXXX representative. I do not have any account at XXXX XXXX 

The XXXX service has caused a high unreasonable volume of fraud incidents which cause bank customers financial harm. XXXX accounts are set up by the fraudsters and used to transfer funds out of the victims ' accounts without customer request/authorization. XXXX security gaps leave victims without practical protections. Some bank customers have been compensated by the banks involved, depending upon the bank and its policies and the specifics of the incidents. 

Fraud claim submitted to Wells Fargo via customer service on XX/XX/2021. 

The transaction dispute was denied even though tokens did not match and none of these debits were requested nor permitted by me.
Product: Mortgage

In accordance with the fair credit reporting act, this creditor, XXXX has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose
Product: Checking or savings account

I started direct deposit to my capital one account about XXXX wks ago my pay date is XX/XX/year> as of XXXX this morning my paycheck is not there and they are rejecting all my bills I have paid. when I opened the account I was under the impression they have early payday put that is false since talking to the rep it takes 14 day for you pay to start if you have a new account so now I have no money because capitalone is holding my direct deposit from my employer. Is this legal under REG E. how can they hold your direct deposit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided information to XXXX and Experian regarding inaccurate items on my credit report. The company has not verified the information of the items. I have provided the deleted items showing from my TransUnion report to XXXX and Experian to follow suit so that my credit report is the same across all XXXX credit reporting agencies. I have not received any feedback regarding when the items will be deleted and any verification of the items. I have been sending this information to Experian and XXXX for a few months and they are ignoring my letters to them and sending me a generic response. I have not receive a phone call or any form of contact regarding my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$40000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX    XXXX   has reported incorrect unpaid principal balance which has made my score go down. The company reported an increase by {$1100.00} between  XXXX   XXXX ,  2017  and  XXXX   XXXX ,  2017  which is inaccurate. Please see the attachment of the correct unpaid principal balance during this time. I have attached document from  XXXX   XXXX  site about my principal balance.     I hope im not apart of  XXXX   XXXX  discriminated against  XXXX   XXXX . Because this really make no sense to me as to why  XXXX   XXXX  is reporting incorrect balance to mak e my credit score go  down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 I have contacted the collection agency XXXX XXXX and all three credit bureaus ( Experian, XXXX, and XXXX  ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. 

The account in question is XXXX  XXXX Account # XXXX ... Amount {$1400.00} for an authorized/unknown utility.
Product: Money transfer, virtual currency, or money service

I filed for my stimulus in XXXX ( {$1400.00} ) through XXXX XXXX My cashapp card was stolen from me XX/XX/XXXX I went to prison shortly after when I got out in XX/XX/XXXX I filed for taxes again and the company that filed my 1040 form in XXXX told me that I had already received my stimulus that it had been sent to my old cashapp account $ XXXX but cash app won't release my funds no matter what I do to provide I information about me I have tried everything to get my money. They are not being of any help or won't put me in contact with a supervisor.
Product: Money transfer, virtual currency, or money service

I had {$170000.00} coming from XXXX XXXX in XXXX  XXXX  and it came the bank held it for an unreasonable amount of time. I have been trying g for 2 months to get the money into my account and now I have called upon my state representative and my congressman to help and they have been stone walled as well. I just want my money that is legally mine.
Product: Credit reporting or other personal consumer reports

I'm trying to start back school and trying to get into buying a house but there are damages on my report. These negatives things shouldn't be on my report according to the 15 U.S.C 1681 law there shouldn't be any damages on my credit report. These reports are a defamation of character of my free will.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two 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 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 card

This is a Hilton Honors Surpass AMEX card. I received a statement with closing date XX/XX/23 in the amount of {$520.00}. I called to explain that was not possible as I do not use this credit card for any reason ( it sits in a locked box in my desk drawer ). It is not attached to any online website to be used purchases either. I asked what the charge is even for and I believe it was some kind of money transfer involving a XXXX account ( I have a XXXX account but it has been dormant for many years and would never be associated with this credit card anyway ). I reported the fraud and i believed it was all taken care of- they mailed me a new card. I received another statement in the mail with closing date XX/XX/23 in the amount of {$220.00}. I called to ask what this charge was for and I was told that it is the remaining balance after the first call I made did not bring my balance to XXXX for some reason - only a part of it was considered fraud? so i still had to pay the remainder. I told them again, how can i have any balance at all when i have never made a transaction with this card - 100 % of the original balance was fraudulent. I explained all of this and I was told it would removed as well - and they would be sending me another new credit card - another, new card, you are reading that right. I received another statement with closing date XX/XX/23 in the amount of {$73.00}. I called, again, and asked what is going on and I was told that the balance now is for fees. I asked why I would be asked to pay fees on charges that were fraudulent. I am currently on the phone with AMEX customer service as I write this. I consider the number of calls I have had to make and the amount of time I have spent trying to correct this to be a form of harassment and I want AMEX to be punished. They can not be allowed to do this to someone and get away with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please address my attached letters that were sent to your company that were sent to your company 14 days ago via mail and experian upload!
Product: Credit reporting or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXX : XXXX Please remove it from my credit report. 

3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding the inaccurate information that has been reported on my credit report by Equifax. Despite my previous communication with Equifax on XX/XX/XXXX and XX/XX/XXXX, they have failed to respond or take appropriate action to rectify the errors. I kindly request your assistance in addressing these concerns and ensuring compliance with federal laws and regulations, specifically the Fair Credit Reporting Act ( FCRA ). 
Outlined below are the details of the inaccurate information and the necessary corrections for each account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The above accounts do not belong to me, and I request its immediate removal from my credit report.
Product: Credit card

Signed up and approved for Chase XXXX XXXX XXXX XXXX card on XX/XX/XXXX. For a cost of {$99.00} USD, ( charged to me on XX/XX/XXXX ), Chase promotional offer was XXXX XXXX points with a requirement that I spend {$3000.00} within the 3 months. 
Attachment provided ). I have called 3 times and emailed once but have not had a resolution. My last call was on Sunday, XXXX XXXX. Last rejection email was dated XX/XX/XXXX. Attachment included
Product: Debt collection

On XX/XX/XXXX, I signed an agreement with Giggle Finance to get an advance of {$1400.00}. I got a call from a representative of the company and I ended up asking him how much would I be paying back in total. I told him that the amount was just too much and it really wasnt worth it to me. So I told them I didnt want the money and I was told that they will not send me the {$1400.00}. And I was all cleared and I didnt have to pay any termination fees or any other fees. 

around XX/XX/XXXX, I was contacted by a Power of attorney ( XXXX XXXX, XXXX ) for Giggle finance. This power of attorney told me I have an outstanding balance of {$2100.00}. I let this Power of Attorney know that my situations I even went back to my back and printed out my bank records from XX/XX/XXXX and I NEVER received an advance from Giggle Finance. I was told to contact Giggle Finance. I emailed them and texted them but never received a response.
Product: Credit card or prepaid card

On XX/XX/2020 around XXXX, I received a text alert from XXXX that a transaction on a card that was in my possession ( never stolen or missing and rarely even used ) for {$3100.00} was PENDING from Wells Fargo in XXXX XXXX FL XXXX I immediately called my bank to block the card ending in XXXX and told them that I did not authorize this. I am a XXXX veteran and this took 99 % of my XXXX check. I asked them to stop this pending transaction and was told by the CS that I had to wait until it posted to do a dispute. The next day, the transaction ( {$3100.00} and {$3.00} over the counter fee from Wells Fargo ) posted to my account with the following memos : Signature purchase from XXXX WELLS FARGO C/A # XXXX XXXX FL XXXX XXXX Card ending in XXXX Debit : OTC Withdrawal Fee Posted on XX/XX/2020 at XXXX I immediately filed the dispute with my bank and called Wells Fargo Fraud number on XX/XX/XXXX. The CS at Wells Fargo told me that because I was not their banks customer to contact me own bank for this dispute. And that was that with Wells Fargo. They took my money and now Im suffering undue hardship. The claim ( # XXXX XXXX for this fraudulent transaction at a Wells Fargo in XXXX on XX/XX/XXXX has left me devastated. I was told the investigation with Wells Fargo could take up to 10 days XXXX XX/XX/XXXX. ) I am a XXXX veteran that suffered from XXXX  XXXX and XXXX XXXX XXXX and the fact that all but {$120.00} from my entire VA direct deposit for my XXXX check is gone has been completely devastated! I am unable to pay any of my expenses to include Rent, car payment, car insurance, etc. I have incurred late fees, non sufficient fund fees from my bill collectors as a result of this fraudulent transaction. I believe this is an inside job with an employee of XXXX and an employee of Wells Fargo.I also believe I aint the only one that got ROBBED from this type of fraud by these two businesses.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Formal Request for Assignment Contract and Debt Validation Dear Credit Reporting Agency, I am writing to formally dispute an item on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is XXXX XXXX I request that you provide me with a copy of the assignment contract that verifies the legal right of the reporting entity to collect this debt. 

Under 15 U.S.C. 1681g, I have the right to request all documentation used to verify this accounts accuracy. Therefore, I am requesting the following : 1. A copy of the original assignment contract between the creditor and the entity currently reporting the debt.

2. Documentation proving that the reporting entity has the legal authority to collect or report this debt.

3. Any records of payments made or owed under this account.

If you can not provide this documentation, I request that you remove this account from my credit report immediately. Please respond within the legally required 30-day period. I expect a written response indicating whether the requested documentation has been obtained, or the disputed account has been removed.

Thank you for your prompt attention to this matter. Please send all correspondence to the address listed above. 

Kind Regards, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX- XX/XX/XXXX, I was in XXXX XXXX XXXX. When I returned and tried to use my Capital One cards, they were declined I contacted the financial institution to figure out the problem the company told me that I was over my limit and late payment. After investigating and some help from the fraud department we figured out that my card was used without my authorization. I took their suggestion and filed a police report and waited for a resolution. I received a letter in the mail stating that they would not reverse any of the transactions and I was responsible for the balance and fees. I contacted the Account and Verification department and asked for a review of the resolution. I sent all of my supporting documents, travel information, XXXX, residency permit, and police report. I asked the company for proof of verification that I authorized another user, and I never received any information for it. I received a second letter stating the company wound not reverse it and I'm responsible for the full amount.
Product: Checking or savings account

Capital One released a statement on social mediaXX/XX/XXXXplatform that a third party XXXX ( XXXX XXXX ) have a power outage at one of their data centers causing delayed direct deposits to customers accounts. My direct deposit should have taken place on XX/XX/25 for around {$2500.00}. Since them there has been very vague communication from Capital One regarding a ETA on the fix to the issue or what next steps will be taken to make sure this never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my XXXX  credit report, I noticed a collection account from Credit Collections Co., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WV XXXX. The amount was for {$150.00} from original creditor XXXXXXXX XXXX XXXX. As I did not recognize the account nor original creditor, I filed dispute with XXXX. 

XXXX XXXX dispute resolution was to add comment " Consumer Disputes This Account Information ''.

I then wrote the Credit Collections Company directly stating I have received no information regarding the alleged debt nor did I recognize the alleged original creditor. Requested them to provide written documentation of the debt. It has been 35 days since contacting them and I have received no information yet this remains on my credit report.
Product: Money transfer, virtual currency, or money service

Copper Banking unfairly shut down peoples accounts with little to no notice. They gave me XXXX days notice, I had XXXX dollars in my savings + checking account, and an additional XXXX dollars in investing. 
It takes XXXX  days to take money in and out of investing, I managed to transfer the {$1000.00} out of copper, and I began the transferring process for the {$400.00} in the investing. The XXXX days remaining go by, the {$400.00} is still stuck, my account gets shut down, and the XXXX dollars is lost for ever. 

On their website there is no way to talk with a real person. 

Copper banking is a faux and a scam.
Product: Credit reporting or other personal consumer reports

I see that XXXX and Experian are reporting XXXX XXXX XXXX  XXXX somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures.