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

In Accordance With the Fair Credit Reporting Act XXXX XXXX # XXXX, Has Violated My Rights. 

15 USC 1681 Section 602 States I Have The Right To Privacy.

15 USC 1681 Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions.

15 USC 1666B : A Creditor May Not Treat A Payment On A Credit Card Account Under An Open End Consumer Credit Plan As Late For Any Purpose.
Product: Prepaid card

It was with cash app card I would get charged for stuff I didn't purchase and the computerized person would say the money would be put back but never did. And I called several times.
Product: Vehicle loan or lease

In XXXX I received an equipment loan to build business credit. My customer number on this loan XXXX obligation number XXXX and XXXX. The loans were paid off in XXXX of XXXX. Wells Fargo eliminated the department that handles this type of loan and has failed to provide title. I have been calling for the last 90 days and do not have title and they can not verify that they will be mailing it to my current address. I have missed a couple of sales on the equipment as a result of not having a title.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX 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: Mortgage

Wells Fargo Mortgage company reported to the XXXX major credit bureaus - XXXX, XXXX and XXXX XXXX, that I had a delinquency/late payment in XXXX 2013. I am including a copy of THEIR own payment history to prove that I paid the mortgage payment timely. This needs to be corrected with all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach and, as a result, my personal and financial information has been compromised. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit report. 
Accounts to be Blocked and Deleted : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are more phone numbers that call me from this Portfolio Recovery Associates ( the first one and all of the above ) almost every hour of everyday ( including this morning-Sunday ). I have no idea what it is about, but this is more than harassment. I have all the calls/times they've called/repeated calls and I am seeking legal counsel, and will be sharing all of these numbers and screenshots ( of just how many times this company calls me ) with attorney.
Product: Checking or savings account

Hi! This is XXXX XXXX my Citibank account is currently locked and has been locked since XX/XX/year>!! I have been relentlessly trying to get access to my money!!! I deposited my government refund check into this account and now Citibank blocked my account for no reason! They are stating that Citibank fraud department has sent out a Reference code for me to call and verify my identity! This has been their same response since XX/XX/year> and it is now XX/XX/year> and I still did NOT receive! I even asked if I can step into the branch and present my government issued Identification Card and Citibank refused to let me! I do not know what more do Citibank want me to do! I am not the only person that is going through this same situation! I have read over ten different articles about Citibank freezing their accounts for no reason! This is will be my second time reaching out regarding this matter! The previous representative that was assigned to my case was VERY RUDE!! When I explained to her to make sure the fraud department was sending my reference code to the correct address which is XXXX XXXX XXXX XXXX XXXX IL XXXX she told me that Citibank will send to a verified address and I do not know what address that maybe because I do not live anyplace else only XXXX XXXX XXXX XXXX XXXX IL. If Citibank does not want to release my funds I want my accounts closed and I want a cashiers check to be issued to my address that is on file l! This is ridiculous how do Citibank expect people to survive without their funds! This has been so stressful and very frustrating!!! If someone can please reach out to me about this situation as soon as possible! I am sick and tired of getting the run around and going back and forth with Citibank!! Down below I will attach documents from some of the articles online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an identity theft report XX/XX/21. The FCRA requires a block of information resulting from identity theft. Block and delete all information in the attached documents. I'm authorizing you to take action on this account immediately.
Product: Bank account or service

I received a letter dated XXXX XXXX, 2016 ( the " XXXX XXXX Letter '' ) from JP Morgan Chase Bank , NA ( " Chase '' or " the bank '' ). A scan of the XXXX XXXX Letter is enclosed herein as Exhibit # XXXX. I have had a checking account with Chase for over 15 years. On XXXX XXXX, 2016 I checked my balance by using the bank 's text message service. The text message response from the bank indicated balance of {$1700.00} in my account. A copy of the text message I received from the bank is enclosed under Exhibit # XXXX. On XXXX XXXX, 2016 I went in person to the bank 's branch in XXXX XXXX XXXX ( the " XXXX branch '' ). The teller at XXXX branch informed that I have {$1700.00} in my account. A copy of the receipt the teller produced is enclosed as Exhibit # XXXX. On my request the teller withdrew {$1700.00} from my account. A copy of the receipt the teller produced after withdrawing {$1700.00} from my account showing the remaining balance of {$0.00} is marked Exhibit # XXXX. The XXXX XXXX Letter alleges that my account has been overdrawn. Evidence described above and presented herein demonstrates that my account has not been overdrawn. I disputed these allegation by sending the bank a letter via XXXX CERTIFIED MAIL No XXXX XXXX XXXX XXXX XXXX that included all Exhibits stated in this complaint ( the dispute letter ) and asked that the bank reimburses me for excessive fees the bank has charged my account for the allegedly overdraft. The bank has ignored my dispute letter and charged my account with numerous fees including allegedly Insufficient Funds and Extended Overdraft fees. My XXXX XXXX dispute letter clearly stated that I dispute these allegation and notified the bank that should the bank continue to charge my account with these unjust fees I will have no choice but exercising my legal options. XXXX XXXX XXXX, 2016 at about XXXX a bank representative made a harassing phone call to my cellular phone, demanded that I pay money to the bank, and threatened that the bank will report me to debt collectors and financial institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these account with XXXX, Transunion and XXXX  for over a year now and they still have not been resolved. This is affecting my life terribly. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Company XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$3200.00} Company XXXX  XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$2200.00} Company XXXX XXXX XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$7900.00} Company XXXX XXXX XXXX Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Credit Card Balance on XX/XX/XXXX {$8200.00} Company XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Balance on XX/XX/XXXX {$2000.00}
Product: Credit reporting or other personal consumer reports

I'm writing to dispute unauthorized charges appearing on my credit report. These charges are the result of identity theft, specifically, a fraudulent account was opened in my name. I've never authorized these transactions or benefited from them in any way. I reported this to the Federal Trade Commission, but the issue persists. These false charges are negatively impacting my credit score and financial standing.
Product: Money transfer, virtual currency, or money service

XXXX and Cashapp verified a scammer account, when I requested a refund of {$140.00} each company told me they couldn't because it was their policy or they could not " find '' the person. Now I'm finding out this is a large scam and including using XXXX but no one is taking responsibility for the scams.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) because of inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Cash App failed to take timely and effective measures to prevent and resolve fraud on their platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX is a credit collection company that represent the American Express to collect an alleged account that was previously reported to American Express. A previous letter was sent out to American Express inquired viable evidence or documents that bears my signature that to provide accurate reporting. The alleged reported claim was first reported by American Express of {$7500.00} and now the XXXX took over this alleged claim and charged off {$1100.00} and that was negatively reflected on my credit reporting.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( XXXX XXXX XXXX XXXX XX/XX/year> ). I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents.

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify.I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 15 USC 6802 Obligations were to respect to disclose of personal information Part b opt out. A financial institution may not disclose non public personal information to a non public affiliate or third party. Sincerely
Product: Credit reporting

Complain about Credit Reporting Agency TRANSUNION : XXXX Credit Card provides XXXX Score on the monthly statement. My XXXX Score dropped drastically ( XXXX POINTS ) within one month ( from Excellent in XXXX and XXXX XXXX to Poor in XXXX XXXX ). I contacted XXXX XXXX and they informed me that the XXXX Score is provided by TRANSUNION and I must contact them. I first acquired a copy of FREE TRANSUNION CREDIT REPORT. There were no major changes between XXXX or specifically from XXXX XXXX to XXXX XXXX in any of my financial activity. I called TRANSUNION and XXXX spoke to an individual named XXXX ; he informed me that XXXX XXXX actually provides customer records to TRANSUNION and based on TRANSUNION feedback, XXXX determines credit score for the statement. Therefore, I contacted XXXX XXXX again and was informed that this is absolutely not the case and only a CREDIT AGENCY such as TRANSUNION would provide the credit score. I called TRANSUNION again and spoke initially to a XXXX ( I think ) and subsequently to SUPERVISOR XXXX with EMPLOYEE ID XXXX. I again explained the situation and shared that I am trying to understand what caused such a drastic Credit Score Change within one month. THEY WERE COMPLETELY UNABLE TO ANSWER THIS QUESTION AT ALL AFTER BEING ON HOLD AND LONG DISCUSSION. All of these folks ( XXXX, XXXX, & XXXX XXXX seemed to be within INTERNATIONAL CALL CENTERS ; I am not against this at all and support this business practice if appropriate. However, at this point I wanted to speak to SOMEONE higher on the ORG CHART IDEALLY WITHIN XXXX to help with such an important issue ( CREDIT score going from Excellent to Poor within one month causing issue in getting a Loan ). XXXX stated that they do not have the capacity to elevate this further or even possibility to transfer to someone within XXXX for further discussion. IT IS BEYOND UNACCEPTABLE that an AGENCY working directly with / for the XXXX GOVERNMENT and impacting XXXX CITIZENS so seriously with something as important as CREDIT SCORE has NO ONE who can provide appropriate explanation on their methods and / or elevate the issue to appropriate customer service MANAGEMENT within XXXX. I also do not appreciate having to provide my social security number and such key information in current cyber environment so many times to so many people outside of XXXX ( or even inside XXXX for that matter ). I am beyond frustrated with first trying to understand the reason behind the actual issue and subsequently the bigger issue of sensitive information exposure, credit scoring methodology & associated impact to XXXX XXXX, and complete lack of CUSTOMER SERVICE or RESOLUTION of any kind. I also intend to contact the attorney general, any government agent XXXX senator / congressman ), and finally news agencies if necessary in attempt to arrive at appropriate conclusion for myself and ensure others are not similarly being " screwed ''. Please contact me with effective feedback and resolution as soon as possible.
Product: Credit card

I have an amazon account and I opened an Amazon Credit Card account. Problem is you ca n't log on to make a payment without being redirected and then asked to log on again to a different website. I had constant issues logging into the third party website every time I wanted to make a payment. I was so frustrated just trying to make payments I decided to close my account and would have expected when I clicked the close your account option over the phone, it would have required you to pay and close the account. Nope it just closes your account. Then I tried to make a payment using my Credit Card to pay the entire amount off and it wo n't accept a credit card payment nor would it allow me to reopen my account. No way should it allow you to close your account without informing you of your closing balance and stating the only way to pay off the balance is via a checking account. I would NEVER have closed the account had that information been provided prior to the closure. I would have simply remained making the payments however troublesome making them were. Now I will be forced to pay the entire amount at once. I believe they make it difficult purposefully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX  XXXX person, I have SSA and XXXX coverage, I was forced NOT voluntarily to the Hospital. They must bill XXXX, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( QUALITY ASSET RECOVERY L {$200.00} / XXXX XXXX XXXX XXXX ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.
Product: Debt collection

In accordance with the Fair Credit Reporting Act # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Credit Collection Service Account Number. : {$320.00}
Product: Credit card

On XXXX XXXX, 2015, I was charged XXXX at a XXXX Gas Station located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The following is a brief summary of the incident. 

While I was pumping gas, the station attendant, XXXX, came outside and told me that there was some kind of mix-up with the payment for my gas. Although I had already swiped my credit card at the pump, XXXX told me that another customer had mistakenly paid for {$50.00} at the pump that I was using. He then told me that I needed to pay inside. Believing his story, I went inside the store and approved a charge of {$50.00} to my credit card. As I was about to drive away, XXXX came back outside and said there was still some mix-up but he assured me that I would not be charged XXXX. 

When I later found out that I was charged XXXX, I disputed the charges with my bank ( Bank of America ). However, XXXX XXXX XXXX, a credit card processing service, denied my claim without even contacting the vendor, alleging that I had XXXX cars. That is not true. I later contacted Bank of America and asked to appeal the denial of my claim. I was informed that there is no appeal process and their decision is final.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require updating and correction. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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
Product: Credit card or prepaid card

Someone opened a MoneyLion card in my name using my email on XX/XX/2021. I caught it by chance via an email in my personal account, I immediately tried to contact MoneyLion but cant get in touch.
Product: Credit reporting or other personal consumer reports

These inquiries were not approved by me and I strongly suspect their legitimacy. I beseech you to conduct a meticulous investigation and promptly erase them from my credit dossier. I have provided relevant documentation for your perusal.
Product: Checking or savings account

When I opened XXXX XXXX  account for my daughter, they tell me that to keep this without additional fees they need to automatically transfer {$75.00} from saving account to checking by every month. That was work for many years until my daughter finish XXXX. When I closed that student account, they continue to make that transaction of {$75.00}. I went to Wells Fargo branch to solve this problem to not make that transaction because is no longer XXXX XXXX  account exist. They did not solve this problem and continued that transaction for many years. Sometimes I did not have enough amount to have {$75.00} to transfer and then I get penalty fee. After several times this occur, they just closed my saving account. So, I do not have saving account because Wells Fargo 's error to fix than transaction.
Product: Mortgage

My Ex-husband recently passed away and our children asked me to be the executor of his estate. We have tried to communicate with his mortgage servicing company about his mortgage and they require multiple documents. One specific is issued by the Clerk of Court certifying that I am the executor. The mortgage company requested either Letters of Administration or Letters Testamentary with visible county seal. Upon our visit to the Clerk of Court in XXXX XXXX, NC, the clerk asked why. Noting that my ex-husband 's estate only consisted of equity in his primary real estate, the clerk recommended and then issued an Affidavit for Collection of  Personal Property of Decedent. We sent this along with the other requested documents XX/XX/2020 only to receive a letter asking for the originally requested documents and a closing statement saying if you have questions please call. We have called multiple times to inquire about why the form recommended by the Clerk is not acceptable. Each time, the person on the phone can not help us, transfers us and then we are disconnected. I have spent hours on the phone getting no where. Please help. Thank you.