23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX BANK XXXX OPEN XX/XX/XXXXXXXX  XXXX XXXX  XXXX OPEN XX/XX/XXXXXXXX  BOTH ACCOUNTS WERE REPORTED AS ID THEFT XX/XX/XXXX. 

BOTH ACCOUNTS WERE DELETED FROM MY REPORT XX/XX/XXXX. 

SEE ATTACHED DELETE CONFIRMATION. 

BOTH ACCOUNTS HAVE RE APPEARED ON MY REPRORT.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts below has violated my rights. 

Account Name : XXXX XXXX XXXX, XXXX Account Number Ending : XXXX Account Name : XXXX XXXX XXXX, XXXX Account Number Ending : XXXX Account Name XXXX XXXX XXXX XXXX Account Number Ending : XXXX Account Name : Dept of EdXXXX  Account Number Ending : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXXXXXX Account Number Ending : XXXX Account Name : XXXXXXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXX XXXX Account XXXX Ending : XXXX Account Name XXXX XXXX XXXX XXXX Account Number Ending : XXXX Account Name XXXX XXXX XXXX  Account Number Ending : XXXX Account Name : Dept of XXXX XXXX Account Number Ending : XXXX Account Name : Dept of XXXX XXXX Account Number Ending XXXX XXXX Account Name : XXXX XXXX XXXX Account Number Ending : XXXX Account Name : Dept of EdXXXX Account Number Ending : XXXX Account Name XXXX Dept of EdXXXX  Account Number Ending : XXXX Account Name : Dept of EdXXXX  Account Number Ending : XXXX Account Name : Dept of Ed/XXXX  Account Number Ending : XXXX Account Name : Dept of EdXXXX  Account Number Ending : XXXX Account Name : Dept of EdXXXX Account Number Ending : XXXX Account Name : Dept of Ed/XXXX Account Number Ending : XXXX Account XXXX : Dept of Ed/XXXX Account Number Ending : XXXX Account Name : XXXX of EdXXXX  Account Number Ending : XXXX Account Name XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXX Account Number Ending XXXX XXXX Account Name : XXXX Bank Account Number Ending : XXXX 15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2, also states a consumer report agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

American Express had promised me that if I book tickets using their card I would be covered with travel insurance which includes trip cancellation and itenary changes. 
Now when I want to go ahead and cancel the tickets due to emergency situation I have been told by the travel agent I would be charged {$200.00} for cancellation and American Express doesnt want to go ahead And reimburse me the amount as promised and advertised.

Their customer service is worse than a customer service in a developing country and its a shame to realize how they just make customers like me a fool and make money of us and dont be loyal to us and but expect us to be loyal to them!

When asked for speaking to a manager they have hung up on me or transferred me to accident insurance departmwnr just to get rid of my query or call!
Product: Money transfer, virtual currency, or money service

Someone fraudulently got a hold of my debit card and used CashApp to withdraw funds over 200.00 and overdrew my account. My bank cancelled the card, issued me a new one, investigated and refunded the money and reversed the overdraft fees. I have NEVER EVER USED CashApp and recently I received a CashApp debit card with the account $ XXXX ( my name and they have my address ) in the mail to activate. The 800 number does not connect you to a live person to have this account closed and the only way you can contact them is if you actually have an account and you can email them. I used my relatives account to email them and I have not received a response. I just want the fraudulent account cancelled as I have never opened one so that no one can do this to me again. There should be a way to contact these people in the event of fraud but is simply no way if you don't have an account!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX-XXXX  XXXX  XXXX on XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$15000.00}, XXXXXXXX XXXX XXXXXXXX .... Date Opened XX/XX/XXXX XXXX {$16000.00}
Product: Payday loan, title loan, or personal loan

The company kept withdrawing from my bank account on the wrong day this happened 3 times creating over a {$100.00} in overdraft fees. 
I called the office twice and visited the office and spoke to the manager Please help
Product: Credit reporting or other personal consumer reports

I would like a Thorough and detailed search of my credit reporting. 
I have a lot of old info and mistakes on my credit report. 
I have contacted the XXXX credit bureaus and they have not updated and fixed those mistakes. 
Please help me restore my credit to the right info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the XXXX filing this complaint not some company or not any other XXXX party. I declare under penalty of perjury ( under the laws of the XXXX XXXX if executed outside of the XXXX XXXX ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a XXXX XXXX XXXX punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX
Product: Debt collection

Hello. I have a doctor 's visit at XXXX XXXX on XX/XX/2023 ( this year ) at XXXX XXXX XXXX XXXX # XXXX, XXXX, OH XXXX. I had something weird on my lips and around them. I never got a real doctor to see me. It was a nurse, and she gave me the very, very wrong diagnosis and assured me it was XXXX. She prescribed me very strong medicine for that and 100 % didn't do anything I just kept getting worst it was super painful.. Then I went to my dermatologist ( a really great, well-known doctor in the best hospital in XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX de XXXX. And the doctor said it was not XXXX at all, not even similar. So he gave me medicine for a dermatitis, which is what I had, and it solved the problem. But in the midtime, I was wrong diagnosed by this person in XXXX XXXX and taking very strong medicines that I didn't need. I was really upset I called them and told them, so the person that I spoke with on the customer service told me to send my doctor 's letter and prescription for the diagnosis I had, and I did. So he said not to worry about the payment, and then suddenly I was in collection. I want to sue them if necessary. I don't mind going to court and proving that they are giving very wrong diagnoses and medicine to people. So please help me and tell me what to do because I am not willing to affect my good credit, and I am not willing to pay for this terrible medical mistake they made with me.
Product: Credit reporting or other personal consumer reports

I filed a dispute on account XXXX, XXXX XXXX XXXX XXXX XXXX due to inconsistencies in the credit reporting and the account being apart of identity theft. Experian denied to follow up and do a thorough investigation. I recently was notified that the CFPB have filed a lawsuit against Experian on XXXX XXXX due to failure to investigate consumer disputes violating the Fair Credit Reporting Act. They also alleged Experian failed to reinvestigate disputes, ensure previous deleted information was not reinserted back on consumers credit report, did not communicate relevant information to data furnishers, and accepted data furnishers responses without scrutiny. Thus, creating a financial threat to my stability due to the harm is caused by not removing inaccurate information from my report. It has unjustly lowered my credit score and has caused me to be a victim of a third party debt collector. The debt collector has bought alleged debt from XXXX XXXX XXXX XXXX due to Experian not reporting that I have disputed charges, inquires, and inaccurate information. It allowed a third party debt collector XXXX XXXX XXXX, account number XXXX to also report on my credit report without accurate information. I am requesting these derogatory remarks to be removed or corrected immediately as it is affecting me my chances of getting ( house, car, etc ). Experian violates my rights as a consumer and federal law. Nonetheless, Experian has not investigated my reporting, but It allowed data furnishers to even update incorrect inquires dates to allow them to stay on your credit report for longer periods of time. The accounts listed are incorrect and do not reflect my true credit history.
Product: Debt collection

For the past few months I've been disputing a debt with Remex, they have not sent me any information to verify the debt. They have continued to call me, at work, even though I've begged them not to! I think they've been using an auto dialer to call my cell phone and work and my parents!
Product: Checking or savings account

My bank authorized a huge withdrawal from my savings account from an imposter and won't reimburse me.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA 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 XXXXXX/XX/year>
Product: Debt collection

I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, and their affiliates for deceptive and harmful practices related to an alleged debt they claim to own. Their actions include fraudulent docket entries, failure to validate the debt, and the addition of excessive and deceptive fees that have inflated the balance far beyond the original amount that has caused significant financial harm and obstructed my ability to grow wealth. 
1. Alleged Debt and Judgment : XXXX  claims to have purchased a debt from Synchrony Bank on XX/XX/XXXX, for a Walmart credit card account with an original balance of {$800.00}. 
A default judgment was entered against me despite my inability to properly defend myself.

2. Fraudulent Identity Claim : I have never done business with XXXX or its affiliates, and they do not possess my wet-ink signature. 
I believe my identity has been stolen and used to fabricate this debt.

3. Failure to Validate Debt : On XX/XX/XXXX, I sent a certified letter to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, requesting debt validation.

XXXX  failed to respond, violating the Fair Debt Collection Practices Act ( FDCPA ).

4. Inflated Balance and Fraudulent Fees : The alleged debt has ballooned from {$800.00} to {$1300.00}, due to unexplained and deceptive fees. 
Fraudulent payment entries include : XX/XX/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 XXXXXXXX These fabricated payments may constitute fraud.

5. Harm Caused by Garnishment : XXXX  actions have obstructed my ability to acquire wealth, as funds are being withheld by another entity based on fraudulent garnishment claims. 
My financial institution, XXXX XXXX XXXX XXXX, confirmed there is no garnishment order from this group.

6. Statute of Limitations Concerns : I am concerned that the statute of limitations may have expired to file a motion to vacate the judgment. This judgment is invalid and unenforceable due to their failure to provide documentation and fraudulent actions. 

Violation of Consumer Protections : XXXX XXXX XXXX XXXX XXXX, and its affiliates have violated my rights under the following : Fair Debt Collection Practices Act ( FDCPA ) : Failure to validate the alleged debt, despite my formal request. 
Fair Credit Reporting Act ( FCRA ) : Furnishing and reporting inflated balances, fraudulent payment data, and inaccurate garnishment actions, which harm my credit profile and financial standing.
Product: Checking or savings account

i can not get any one to speak with at bank of america i was charged a {$60.00} fee for statement copy it will only let me do a partial statement online
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that as per the regulations outlined in Section 15 U.S. Code 1681i ( 5 ), which addresses the " Removal of Inaccurate/Invalidated Credit Information , '' specifically under subsection ( A ), it is stated that if, following a reinvestigation pursuant to paragraph ( 1 ) of any consumer-disputed information, an item of the information is determined to be inaccurate, incomplete, or unverifiable, it is the responsibility of the consumer reporting agency to promptly delete said item of information from the consumer 's file.
Product: Money transfer, virtual currency, or money service

I am writing to formerly express my concerns regarding zelles handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle not only has neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I have medical bills on my Experian XXXX XXXX over XXXX. The accounts was removed off my XXXX report. I have disputed these accounts by letter explaining to them that the accounts doesnt belong to me, I have done this multiple times with Experian & XXXX and also have called.
Product: Money transfer, virtual currency, or money service

USBank recieved my PA unemployment benefits and issued a ReliaCard. Despite the fact I had asked for direct deposit th my PNC account. USBank placed limits on how I was able to access my money, making it impossible to pay the bills I am now behind on. USBank refused to work with me on a resolution to relieve these limits so I could use my money properly. USBank has now restricted all access to my money and has become completely unreachable. They have not returned a call they said they would. ( 2 weeks have passed ) and the Usbank automated call center ( XXXX ) hangs up on me after identifing my account.
Product: Checking or savings account

I made a payment to my credit card for {$30.00}. The funds was there and available. When the credit card company took the funds. The bank system " canceled '' the transaction on their own. This caused me to be late, have additional fees and lose account status. I have proof and recent examples that proves my account was funded.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute inaccurate personal information on my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ). The inaccurate information is causing me considerable inconvenience and potential harm, and I request its immediate correction or deletion. 

**Accurate Personal Information : ** - **Name : XXXX XXXX XXXX XXXX XXXXDate of Birth : XXXX - **Social Security Number : XXXX - **Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX This is the only correct and accurate information that should be reflected in my credit report. 

**Disputed Information : ** The personal information currently reflected in my credit report, which differs from the accurate information provided above, is incorrect. I demand the immediate deletion of any inaccurate or outdated information, and the rectification of my credit report to solely reflect the accurate personal information as listed. 

**Legal Basis : ** Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., consumer reporting agencies are required to maintain accurate and complete information. Specifically, Section 611 of the FCRA provides consumers with the right to dispute inaccurate information, and obligates credit reporting agencies to investigate and correct such inaccuracies in a timely manner.
Product: Debt collection

I have disputed several accounts with this company, I have never done business with this company nor owe what is listed on my personal credit file. Nothing has been received from this company. 

NCC Business XXXX NCC Business XXXX
Product: Consumer Loan

I was charged a late fee of {$55.00} for a payment that was done on XXXX website. I have never been late with my loan before. The representative I spoke with in XXXX 2016 when this matter occurred reported it was the company 's fault and would handle the problem. As of today 's date ... the problem still exists. Every month XXXX report my loan late due to the late fee of {$55.00}. Every month I call XXXX XXXX and get no results. I have requested to talk with managent/supervisors with no progress.
Product: Credit reporting or other personal consumer reports

Fourth Notice to Trans Union XXXX XXXX XXXX, Customer Data Security Breach Litigation U.S. District Court for the XXXX XXXX XXXX XXXX  ( Case No. XXXX ) XXXX XXXX, XXXX XXXX Customer Data Security Breach Litigation U.S. District Court for XXXX XXXX XXXX XXXX  ( Case No XXXX XXXX ) Demand for Immediate Removal of Unauthorized Accounts Due ; XXXX & XXXX XXXX XXXX XXXX Data Breachs & Identity Thefts This situation has been exacerbated by data security breaches involving XXXX Data Breach ( XXXX No. XXXX ), which exposed my personal information to misuse. I am requesting the immediate removal of these fraudulent accounts from my credit files. The disputed items are below : XXXX XXXX XXXX XXXX Balance : {$1000.00} ; Opened Date : XXXX. XXXX, XXXX XXXX  XXXX ; Balance : {$3100.00} ; Opened Date : XXXX XXXX, XXXX XXXX XXXX ; Balance : {$650.00} ; Opened Date : XX/XX/XXXX Trans Union have continue to fail at conducting a timely and meaningful investigation, as mandated under 15 U.S.C. 1681i ( a ) ; improperly verified or ignored accounts that are clearly unauthorized and linked to the XXXX and XXXX XXXX XXXX XXXX data breach; continued to report inaccurate information in violation of 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy. Trans Union violations of the law and their actions, or lack thereof, constitute the following : Failure to Investigate : Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reinvestigation of disputed information within 30 days of receipt. Trans Union has failed to meet this obligation in my case ; Negligence in Reporting : Under 15 U.S.C. 1681e ( b ), you are obligated to ensure that all reported information is accurate and up to date. Your continued reporting of unauthorized accounts fails this standard ; Failure to Provide Notice : Under 15 U.S.C. 1681i ( a ) ( 6 ), Trans Union must provide the consumer with a written notice of the results of its investigation. To date, I have not received adequate notice regarding my disputes. 
Let me be clear : I am no longer requesting that I am demanding that Trans Union promptly and permanently remove these fraudulent accounts from my credit report. Additionally, I want to highlight that this situation has been worsened by data breaches that grossly mishandled and exposed my sensitive personal information, which your agency continues to misuse. Failure to comply with this demand will leave me no choice but to initiate legal action. I am aware of my rights under federal law and will pursue every remedy available under the FCRA and the Consumer Financial Protection Act ( CFPA ) for the following violations : Negligent or willful violations of the FCRA, which could result in statutory damages of up to {$1000.00} per violation, in addition to attorneys fees and punitive damages, as provided by 15 U.S.C. 1681n and 15 U.S.C. 1681o.
Product: Credit card

I have had a Citi credit card since XXXX ( almost XXXX years ). In those XXXX years I have built up my credit history and have maintained a pristine record. I was a consistent user of the Citi credit card for over a decade until their level of service declined, their interest rates went up and I decided to use other cards. I have occasionally still used my Citi card, but not as consistently as before. A few days ago I received a letter from Citi informing me that they were terminating my credit card as well as the credit line associated with it. This damages my credit availability and my credit history ( since this is one of my oldest credit relationships ). I would like to have my credit card reinstated under the old terms ( prior to the unilateral cancellation ). I do not want to have my credit report pulled for the purposes of reinstating my account as this lowers my credit rating/FICO score.