23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/17 XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). XXXX is declined and flagged for fraud. Have to wait 7 days for a mail to verify. 

XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). XXXX activated via phone with agent. Tried to use the card with apple pay, but it was declined. XXXX is declined and flagged for fraud. Have to wait for a call on a different number to verify. 

Tried to use it again, but it was declined and flagged for fraud. Have to wait for a call on the number in the account to verify. 

Tried to use it again, but it was declined and flagged for fraud. Have to wait 7 days for a mail to verify. 

XXXX Citi made a mistake on my name. The original card was using XXXX XXXX XXXX instead of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX   XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX  failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809.

Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and Columbus Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Checking or savings account

Since XXXX of 2024 year I have noticed that in my Wells Fargo checking account many of the money transfers are not made by me and that caused my account balance to get lower than I had to have and part of the statement got mines and caused overdraft. I contacted to the bank many time and asked them why do Wells Fargo bank allowed unauthorized charges? They read the statement to my and Wells Fargo does not take any responsibility about the transactions. I made an appointment at Wells Fargo branch in XXXX XXXX but upon arriving nobody from customer service served to solve the issue.
Product: Debt collection

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Holloway credit solutions and XXXX XXXX  are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. 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. ''XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency XXXX XXXX  and Holloway credit solutions do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX  and Holloway credit solutions, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 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 XXXX and Holloway credit solutions are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Vehicle loan or lease

tried to turn my car in to XXXX they gave me issues taking the car back made me take it too another dealership
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in hopes that Transunion will be held accountable for not doing their job. I have incorrect reporting on my credit report that I have attempted to get corrected for the last six months. I have sent in dispute letters to have these incorrect entries fixed but have not been able to. I have been receiving stall letters from Transunion. I have included the most recent one below. Under the FCRA I have every right to dispute errors on my report as it directly damages my ability to finance credit. I am writing on two accounts specifically that have multiple reporting errors that have gone un-investigated by Transunion for more than 30 days and must be removed immediately per the law. Under the FCRA these accounts must be corrected and/or deleted in that time frame with an investigation. I also have multiple inquiries on my credit report that were not made by me. They were made by another person who gained access to my personal information by a man named XXXX XXXX who is currently being investigated by the CFPB for fraud. I had two accounts that were attempted to be opened by this person or his company. I am prepared to file a lawsuit against Transunion based on this lack of investigation into this false information. I have listed the following accounts/inquiries that are incorrect on my report. 

XXXXXXXX XXXX  ACCT # - XXXX XX/XX/XXXX and XXXX XXXX  15 U.S.C XXXX : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

2 payments were made each of those months and I want them updated to positive. I have included a payment history from XXXX XXXX  itself XXXX XXXX ACCT # - XXXX I have filed multiple entries with the CFPB about this company and their incorrect reporting which you should be abke t see. They stated in the response that they were at fault and that they would have the account corrected. It has not been corrected and continues to report incorrect late payments. This account needs to be removed completely as the reporting is never updated correctly and a lawsuit will follow on this as well to Transunion. Transunion refuses to investigate further with their stall letters. It has been past 30 days since my last dispute has been filed. Per the representative at Transunion on a recorded line, they received my disputes on XX/XX/XXXX. Nothing has been investigated. Per the FCRA the account needs to be removed. I want this account removed immediately. 

Inquiries for the following were not made by me and are fraudulent and I would like them removed. Transunion fails to investigate. 

XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation fixed prob except for 1 item
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute about state tax liens on my credit report with Equifax on XXXX XXXX, 2017. The tax liens have been released as of XXXX XXXX, 2017. Equifax refuses to remove said liens from my credit report even after showing proof of liens being released.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received a notice of sale!! The amount is incorrect!!! That is inaccurate information!!! The Credit Bureaus are reporting XXXX as a Repossession when originally it was a credit sale!!! Inaccurate information!! Transunion is reporting over {$13000.00} XXXX is reporting {$9700.00} and XXXX is reporting {$9200.00} XXXX different amounts so how was this verified? Therefore its an error or a lie!! This could not have been verified properly if its XXXX different amounts!!! Also, I have enclosed documentation proving this is all inaccurate information based on all of the technicalities!! According to the FCRA!! I have the right to a fair credit report but if youre allegedly reporting this as a repossession then why are you still reporting late payments on my report? An error or a lie!! Therefore this should be immediately deleted off of my Report!! Also according to the Nevada of Limitations They Also violated Repo laws!! According to the FCRA it has to be reported XXXX percent accurate!! This is all inaccurate information therefore should be deleted off of my Report!!! Also this was an illegal repossession which took place on private property!!! They unlawfully trespassed on private property!! The repossession took place on XXXX XXXX XXXX!! Its no trespassing on private property!!! This is illegal in the state of Nevada!! Breech of Peace!!! I also have the right to an attorney if this is not immediately deleted off of my report!! The vehicle allegedly sold in auction for {$4300.00} according to XXXX yet they are reporting late payments but offered a settlement of {$5000.00} all inaccuracies and technicalities that should be deleted off of my Report immediately!! 
Please delete XXXX  Immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My husband passed away last year and I was appointed executor of his estate. I have been working to file the tax return for his business. Despite multiple requests for his XXXX credit card statements ( for an account on which I was an authorized signer ), Citibank has failed to send them, has made it difficult to talk to the correct department due to their poorly designed ( and possibly intentionally flawed ) phone tree and has given inconsistent information over and over. I can't get these statements online since the account is already closed. And they will only mail them, which they have promised and failed to do XXXX times. Taxes must be filed on the corporation in less than XXXX weeks and I have been working on this since the end of XXXX. I have even brought in a copy of the Letter of Office to the local branch since they only accept mail and fax copies (!!!!! ). I am also a long-time Citi customer, but am rethinking that given this experience. Can someone please force them to get these statements to me first thing Tuesday? If they had mailed them to me when they originally said they would, we wouldn't be having this problem. And BTW, we have lived at the same address for XXXX years, so it's not like I'm trying to do something nefarious.
Product: Debt collection

I had a XXXX XXXX Credit Card that was charged off. I called them to settle debt they said that an attorney XXXX & XXXX I believe is the name had the debt phone number XXXX XXXX XXXX XXXX. I have called and left several messages and nobody has gotten back to me and I have no other way of getting a hold of them to repay my debt.
Product: Debt collection

I received an alert on my credit report that an collection account with RGS FINANCIAL was added to my report. I reached out to the company and they advised it was for XXXX. I informed them that the account does not belong to me as i have never done business with this company. my information was used fraudulently to open the account which is why i have an credit alert on my credit report now. This account needs to be removed from my credit reports ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau, Equifax is in clear violation of the FCRA. -- Equifax is reporting an account to my credit report that was ordered to be deleted by the original creditor. THIS IS HINDERING MY ABILITY TO APPLY FOR CREDIT. -- Account name, " XXXX XXXX XXXX & XXXX '' Account # XXXX should be completely deleted from my credit report according to the original creditor. -- THIS IS CLEAR GROUNDS FOR REMOVAL. EQUIFAX SHOULD CONTACT XXXXXXXX XXXX XXXX XXXX XXXXXXXX IMMEDIATELY TO CONFIRM THE ACCOUNT SHOULD BE DELETED FROM CREDIT REPORT. -- EQUIFAX HAS ALSO VIOLATED MY RIGHTS UNDER LAWS LISTED BELOW : -- 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. A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX
Product: Checking or savings account

About two years ago, XX/XX/XXXX if I remember correctly, my identity was stolen ... Personal belongings of mine fell into the hands of imposters. Whoever they were, they used my cell phone to get into my checking account thru the app on my phone I assume, and started transferring money to themselves using XXXX. This happened XXXX, XXXX, XXXX, XXXX, and in XX/XX/XXXX she/he wired {$1500.00} from my account to themselves ( of this I have proof of who did it, but only proof of who did this wire ). There was also a fraudulent check made and cashed against my account in XX/XX/XXXX. 
Since I learned of my money being stolen from my account, I was reporting it every month to my financial institution ( USAA ). For almost two years I fought with USAA to get my moneys back. USAA failed to do as they promised, I never received the provisional credits, not on the full amounts stolen ... Instead, USAA decided to close my account, after 23 years with them, insighting me as a liability ... The representative told me that I should have taken better care of my personal effects, I should have had a pin code or lock on my phone, I should have secured my things better .... All of which I had done ... All of it!!! I don't think USAA treated me very fairly, and since closing my account has created a world of difficulty for me in recouping my money still held in my closed account. That is another problem in and of itself ...
Product: Debt collection

A company called Resurgent has been emailing me daily about a debt that is over XXXX XXXX XXXX. Well past the XXXX. I want to know how to stop these people who have clearly bought old debt to stop harassing me. This isnt even my debt! I was just an authorized user on the account. This is unfair and clearly illegal.
Product: Vehicle loan or lease

The amount owned {$1800.00} but in hardship unable to pay this full amount to get the vehicle back... ..due to Financial hardship job lose wages government ... ..and want to dispute this amount {$1800.00}...
Product: Credit card

On XX/XX/2023 I booked a trip with XXXX XXXX XXXX and the agency I booked with CHANGED MY FIRST NAME on the reservation. I notified the agency within 24 hours of their mistake. I tried for 2 weeks to work the issue out with the agency even sending them a photo pf my passport o no avail. I even called the airline and spoke with a supervisor that said my name could easily be corrected without a fee but it had to be done by the travel agency since they are the ones that booked my flight with the airline XXXX ). 

I went to my credit card issuer-Chase to dispute the charge as a last resort. Chase advised and assisted me with the process- including the reason for dispute as " Not received services '' then later found the charge " valid '' as the trip was made available to me. Please note that once I initiated the dispute the travel agency cancelled my trip! According to XXXX 's refunds can not be made if the trip was cancelled. I did NOT cancel the trip. I was begging the company to correct my name on the reservation. 

Chase decided against me in the dispute due to the reason of the dispute. Chase assisted me with selecting the reason! I have redisputed the charge twice now and call chase dispute team every couple of weeks begging for help. Chase will no longer assist me and advised me to go directly to the XXXX XXXX. I have tried contacting XXXX directly but they refer me back to my card issuer-Chase. 

At this point I am dizzy from being bounced around and can not fathom how it is reasonable for me to pay XXXX USD for a trip I absolutey can not travel with a fabricated name that does not match my legal name as shown on my passport
Product: Credit card or prepaid card

I am card member with Capital One VISA and my credit was used outside the United States on   XXXX   XXXX  , 2017. The day my credit card was used, I received an e-mail as a notification that prompted me to check my transaction and let them know if it is was mine or now. So within ten minutes of receiving this e-mail, I called Capital One to let them know about this fraudulent transaction. They told me to not worry because if this is my transaction then they wont pass it and I believed them because the bank as a {$0.00} fraud liability for the consumer. But after 30 days I received call from an investigator who said that the reported fraud was not actually a fraud and the card was used physically. I explained to him that this not possible because the card was with me and I did not leave the country. When I asked for proof, he did not give me any and just said that the chip of card was used. Then I called again after a few days to ask them to do the investigation again but again I was put in the same situation. When I pressed for proof, they told me that my signatures matched in the receipt and so I asked them to send the receipts ( attached below ). When I received the receipts, I could clearly see that the signatures were not mine and somebody had clearly tried to copy it ; both receipts had different signatures ( attached below is a copy of my actual signature ). So I called them about this discrepancy but nobody listened to my complaints. Every time I called customer service, there was a different person on the line and was not fully aware of the situation. When I kept calling, I started receiving the same answer about the card being used physically but I was never given any further proof. Every time there is a big transaction a bank calls to confirm the transaction so I asked the bank to give me proof that call when about this fraudulent transaction, but they told me they couldnt give that to me. At this point, I was tired and feeling harassed by Capital One. They never gave me any valid proof and because of this fraudulent transaction my credit score also went down. Now, to add to the trauma, they keep adding interest to the fraud charge and expect me to pay it. However, I never authorized this transaction and neither am I able to pay this large sum of money. Despite of my early warnings and continues calls, the bank authorized the transaction and continues to harass me about a fraudulent purchase.
Product: Credit reporting, credit repair services, 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 XXXX XXXX  XXXX inaccurate XXXX  XXXX inaccurate Munipl # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 seven 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.

Please remove these accounts
Product: Mortgage

I CONTACTED LOAN SERVICING ON XX/XX/XXXX AND XX/XX/XXXX BY EMAIL. I RECEIVED A GENERIC RESPOND ON XX/XX/XXXX AND XX/XX/XXXX. THE EMAIL STATED " WE ARE WORKING ON GATHERING THE INFORMATION AND WILL RESPOND AS SOON AS POSSIBLE. '' I STILL NOT HEARD BACK FROM SHELLPOINT. 

I ALSO CONTACTED MR. XXXX XXXX BY EMAIL ON XX/XX/XXXX AND HAVE NOT HEARD BACK FROM MR XXXX. 

THE REASON FOR REACHING OUT WE NOTICED LATE PAYMENTS ON OUR CREDIT REPORT FRO XXXX AND XX/XX/XXXX. WE REQUESTED A DEFERMENT DUE TO MEDICAL ISSUES AND LAID OFF DUE TO COVID. WE REQUESTED FOR THE LATE PAYMENTS TO BE REMOVED FROM BOTH MY HUSBAND AND MY CREDIT REPORTS. I SPOKE TO CUSTOMER SERVICE OVER THE PHONE AND WAS TOLD I NEEDED TO CONTACT THEM BY EMAIL OR DISPUTE IT THROUGH THE CREDIT BUREAUS.