23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Wells Fargo caused me to overdraft by lying about the amount of money I had left in my account. I made a payment to different place and they took the money out of my account holding it and showing it as pending. I check my account balance on the regular on the mobile app to avoid overdraft. It said I had an available balance of less than {$20.00} So I used my card to get food for approx. {$10.00}. I checked my account that night and it stated I had $ XXXXeft and I checked this morning and it now states that I have a negative balance of {$14.00}. There is no way that I could overdraft if they take the payments out a soon as I swipe my card and mark it s pending and hold the amount of money and show my new balance after taking out the pending charge. I talked to XXXX and her Supervisor XXXX from the Wells Fargo customer service department and both tried to tell me the money was no taken out when it stated pending and tried to blame it on the merchant I purchased something from.
Product: Debt collection

The CBE Group INC-Former at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Incorrect Debt Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report. The entry in question is a collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I believe this debt is being reported in error for the following reasons : XXXX. I do not recognize this debt, nor do I have any records of owing this amount. 
XXXX. The debt collector has not provided any valid documentation verifying the legitimacy of the debt, despite my formal request. 

Please investigate this matter and remove the inaccurate information from my credit report. Enclosed with this letter, you will find copies of my credit report with the disputed account highlighted and any relevant supporting documentation. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect this error to be corrected or deleted from my file and a written confirmation of your investigation findings to be sent to me. 

If additional information is needed from me, please do not hesitate to contact me using the information provided below. Thank you for your prompt attention to this matter. 

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

This week I recieve some random letters and documents from XXXX XXXX XXXX, but after more than 30 days of claims and requesting specific documentation, XXXX XXXX XXXX clearly FAIL to provide me a Signed contract between my person and them. When I mean signed contract I mean a contract with my signature and an XXXX XXXX XXXX representative signature, date and or time on the contract. Neither XXXX XXXX XXXX provide me wit the contract between them and XXXX XXXX XXXX where stated for how much they sold this account together with all my information.
Product: Debt collection

On XX/XX/XXXX I received a letter from a company saying they would help me in my lawsuit. I immediately thought, what lawsuit? I then went onto XXXX, searched my name, and found that I am being sued by a company I've never heard of nor heard from. I googled, tried to call the company and left a voicemail and submitted an e-mail to them online saying I'd never heard of them how could they be suing me. I also sent this same information to the lawyer representing them. I told both parties that I am more than happy to pay my debt, which I had been trying to find to no success, but these people had NEVER tried to contact me. They had received the account back in XXXX of XXXX and then apparently just sat on it. Not once did they mail me, call me, or anything. Obviously they had my information as it was all nice and done in the lawsuit against me. How can someone just sue me without trying at all to collect? They claimed they had XXXX XXXX XXXX down as representing me but I do not work with them and have not worked with them. So this company erroneously thinks I'm working with someone I'm not and when they shockingly don't hear back from that company that I'm not working with they sue me??
Product: Credit reporting or other personal consumer reports

TRANS UNION HAVE 14 UNAUTHORIZED FRAUDULENTLY PROCESSED INQUIRIES ON MY CREDIT FILE THAT DID NOT GIVE PERMISSION TO BE SUBMITTED ON MY CREDIT REPORT. 

I AM REQUESTING FOR TRANS UNION TO REMOVE THESE INQUIRIES OR PROVIDE PROOF THAT I AUTHORIZED THESE INQUIRIES TO BE PROCESSED ON MY CREDIT REPORT. 
XXXX. XXXX XXXX dated XXXX. 
XXXX. XXXX XXXX XXXX dated XXXX. 
XXXX. XXXX XXXX XXXX dated XXXX. 
XXXX. XXXX XXXX XXXX dated XXXX. 
XXXX. XXXX dated XXXX. 
XXXXXXXX XXXX XXXXXXXX bank dated XXXX. 
XXXX. XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX dated XXXX. 
XXXX. XXXX XXXX XXXX dated XXXX. 
XXXX. XXXX XXXX XXXX dated XXXX. 
XXXX. XXXX dated XXXX. 
XXXX. XXXX XXXX dated XXXX. 
XXXX. XXXX XXXX dated XXXX.
Product: Credit card

This is a complaint against American Express, for several reasons to cite :1 - discrimination. 
2 - Disrespect. 
4 -XXXX promotional information on their services. 
This is a card unicamnete service for people to demonstrate for them and demonstrable revenue soaring with the IRS and bank intuciones. 
My case is as follows my will approved me a gold card services one week after use without warning decided to block the card because they believed that there was a fraud, go MADE ME shame to waste my time and do not value them, go to a bank where I have account, receive a fax from them and having to send all the documentation needed to verify my identity, from XXXX passport and driver 's license to test direction and these had to be notarized by the banking agent, because their views could be false and fax sent from the Bank. Disrespect, discrimination. 
However continue gave them the requirements, but as this was insufficient for them, the second week demanded me I had to pay off the card because he had reached the limit of what they can spend and consider that if he did not in my 3 days block serious card. 
Break the rules, the monthly payment is not quinsenal. Liars. Mislead consumers with their promotions. 
OK. I made a payment within a month to avoid interruption, now I block the card because they need to check with the IRS if I make money or not, because they do not feel that I will be able to assume this responsibility. Disrespect again. n a nutshell is XXXX alerts to me say I can not be part of its elite because I have no money according to them, discrimination, and as the only way they know if I have money is figuring out my life with the IRS
Product: Credit reporting

I have XXXX bankruptcy 's on my report that are reporting inaccurate information. Both cases are showing a claim amount of XXXX and a liability amount of XXXX. I requested that Experain verify that information and report accurate records. Experian keeps reporting the same information without verifying that information with the credit agency. According to law they have 30 days to verify that information or removed it form my credit file. Secondly Experian keep sending out notices stating the investigation will take 60 days and thus far its been 6 months and Experian has verified nothing and still reporting inaccurate information
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I moved from XXXX XXXX XXXX XXXX XXXX XXXX ) about a year ago. I was notified that the offer of a free safe deposit box since I am a Veteran is being canceled. I really don't mind because I haven't ever used it. On XX/XX/2023 I was charged {$55.00} for the safety deposit box claiming that I set up automatic payments for it? I never did, it was provided as a " gift ''. I've tried to resolve this, offering to bring the key to a local branch due to distance issues, willing to sign a notarized statement removing liability or accountability for the contents in the box which there isn't anything in the box. The efforts to resolve have been met with unwillingness. I understand that this branch may want to save monies and change or remove their offer. I don't understand in our digital remote age that we can't resolve this equitably, not let 's make it as difficult as possible, forcing me to drive half a day to close a box that they no longer want to provide. This recanting of one of their offers when I joined their bank isn't the problem, I'm trying to comply with them but my situation prohibits being in person to relinquish a safety deposit box that I've never used and have nothing in the safety deposit box. So they are charging a fee that I didn't authorize and refusing any common sense to resolve, possibly to continue to charge for a box I don't need or use. I shouldn't be treated like this when trying to resolve while being charged in addition.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the timeallowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the bureaus, as willful negligence and non-compliance with federal statutes. Below are the public record reporting on my Credit Report : ( XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX )
Product: Credit reporting or other personal consumer reports

XXXX Funding is violating the FCRA and federal law by failing to provide accurate and true information on my credit reports 15 USC 1692g. This is not the original creditor and I am not bond to any contract with a third party nor did I sign anything with this collection agency giving them permission to use my information. Requesting XXXX XXXX to provide original contract that binds me to a legal contract for this debt with them. I am requesting that this be permanently be removed from all three of my credit reports.
Product: Credit reporting

I had eight years of identity theft. I disputed it. All three credit bureaus took off the fraud after the investigation. My score was in high XXXX. It was not my fault. I had police reports, every kind of proof. They refuse to put my score back where it was. All my credit is paid on time. Perfect payments. I need your help to get this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday, XXXX XXXX, 2017 I was reviewing my Experian Credit Report online and wanted to add a 100 word consumer statement. I have added and changed a 100 word statement to my XXXX XXXX credit report. However, after much searching, I could not find a place to add that statement. So I called Experian twice and the first level person on both calls had no idea what I was talking about and on the 2nd call the 2nd level person had no idea what I was talking about ; so I told him I was going to make a formal complaint to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has been notorious in holding my credit hostage. 15 USC 1601 explains that grave responsibilities consumer reporting agencies have with consumers yet TransUnion seems to not abide be those rules. Federal law explains what should and what should not be on consumer reports yet every time I dispute an item it always comes back as accurate and complete. Even though federal law Pursuant to 15 USC 1681a ( 2 ) ( B ) says any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. TransUnion has taken it upon themselves to hold my credit hostage fraudulently. Pursuant to 18 usc 241 you and your counterparts are in violation of my rights under the constitution. 18 usc 8 clearly explains all indebtedness is obligation of the UNITED STATES. Yet you and your counterparts want to collude to keep me down and enslaved. The accounts need to be removed immediately or I will file suit and you will be charged.
Product: Credit reporting or other personal consumer reports

This is to follow up in regrads of the repeated failure to remove the fraud items such as the inaccurate personal information and charge off accounts with incorrect balances from my credit report. Despite my diligent efforts and multiple attempts over the previous instances, these inaccuracies persist, severely impacting my financial standing and opportunities.I request compensation for the significant inconvenience, stress, and potential financial harm caused by the presence of these inaccuracies on my credit report. They have adversely affected my ability to obtain credit, secure loans, and pursue other financial opportunities essential for my financial well-being.I have provided extensive documentation and evidence supporting the removal of these fraud items yet they continue to my credit history. This ongoing issue not only undermines my financial credibility but also hampers my ability to access credit and secure favorable financial terms.The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00}.
Product: Prepaid card

I found that {$300.00} was taken from my account almost over a month ago now. I live in XXXX MD and this transaction occurred in XXXX at an ATM. I was never near this location at all. I called the company immediately as soon as i noticed the funds were deducted from my account. I filed a police report immediately. The same day i submitted the police report and a formal dispute with Rush card. They told me there is nothing you can you will have to wait 10 days for our investigation and on XX/XX/2017 you will get a provisional credit. I called to check the status and they advised i will not be getting a provisional credit because they found no suspicious activity. I have phone recordings of the representatives repeatedly telling me i would get a provisional credit today and was never told anything about the investigation. I would call and be hung up on by multiple representatives and put on hold for two hours at a time being told there is no manager or there is no supervisor then being told that the manager is in a meeting that they dont know how long will last. I was promised calls backs at least 10 times from managers i never received. I have been a customer of this company for 4 years and never had anything like this happen because i protect my information. i dont believe this card company has done all it can to protect my information and this is why this is happening. I was left with my money for over a month now and my children need things. I advised the company of this and asked if there was an expedited process and i got the run around and got hung up. i was forced to wait on paying important bill and now i still dont have my money back. I know my rights and i have given this company everything that they have asked for. I used my card in XXXX Maryland around the same time it was used in Pennsylvania according to rush card representatives. how can i be in two places at one time this is impossible. i did not authorize this transaction and i would like to take legal action against the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was an email received from Equifax on XX/XX/16. I have not received any emails or contact from this company since then. 

Furthermore when asked who they were overscene by or regulated by they play dumb. 

Dear XXXX XXXX, We are continuing to process your recent dispute ; as a reminder, it may take up to 30 days to complete your dispute from the date you submitted to Equifax. Your estimated completion date is XX/XX/2016. We will continue to keep you posted on the status of your dispute by sending periodic email notifications. 


Track Anytime! 
You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX
Product: Credit reporting or other personal consumer reports

I have had two XXXX XXXX  accounts haunting my credit report for many years. These accounts are not mine. I never have ever used that bank or card service in my life. 
I called and asked them to verify the debt they werent able to. They said they marked the accounts as fraud and its still showing up negatively on my reports. 
Please remove these accounts and untie my name from them!
Product: Mortgage

I got help XXXX time from XXXX  help my payments were sent from XXXX  help and they would hold them until they were late. Then they would charge me a late fee and a processing fee and then say that the payment wasnt enough to cover so they were charging fees for like XXXX months I tried to get a loan modification. They said that they dont do loan modifications. I tried to get it refinanced. They would not refinance it though my credit is in good standings and XXXX at XXXX  % financing right now so I dont know why they will not finance my home for cheaper rate.
Product: Checking or savings account

I signed up for a promo offer whereby they offered {$600.00} to open a checking+savings account with direct deposit and at least {$15000.00} deposited up front and {$500.00} deposited within 60 days. They only paid XXXX. I had a phone conversation when I opened the account in ( XX/XX/XXXX ) to confirm everything was done correctly ( after I funded and set up direct deposits ), which they confirmed was done properly. Of course, now they are saying there was some technicality on the back-end with an opening date on one of the accounts not being exactly the same as the other ( I opened and funded both accounts on the same day ( XX/XX/XXXX ) ). I have spoken to 2 people after waiting on hold for over an hour each time, and both hung up after putting me on hold while getting manager. Dont do business with Citizen 's Bank! They will not honor the promotions, even if they confirm they will!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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.
Product: Debt collection

I was a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, from XX/XX/XXXX to XX/XX/XXXX. I properly notified the XXXX property manager, XXXX XXXX, using the XXXX lease termination form, that I was vacating the apartment on XX/XX/XXXX. I left the keys and security dongle with the XXXX front office on XX/XX/XXXX. I paid all my rent through XX/XX/XXXX. 

However, weeks after leaving XXXX, XXXX XXXX sent me a letter claiming I had " skipped without notice '' and therefore I had forfeited my security deposit and owed an additional {$1000.00} in rent. This is a lie. I have the email I sent XXXX XXXX properly notifying her, on XXXX 's form, of my move out date. 

XXXX has filed a false claim with I.Q. Data International , Inc., a collection agency. I.Q. Data sent a letter to my parent 's house dated XX/XX/XXXX, which I first learned of earlier today, XX/XX/XXXX, when I came to visit them. I.Q. says I owe {$1100.00} to XXXX under transaction number XXXX. 

This is a false claim. I paid all of my rent payments to XXXX until XX/XX/XXXX. I properly notified XXXX of my lease termination. I can prove it with copies of the emails and attachments. I do not owe XXXX any money for rent after XX/XX/XXXX. I.Q. International has no right to attempt to collect this money from me. 

The contact information for the companies involved is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, WA XXXX Doing Business in Nevada As : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX And, I.Q. Data International, Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX
Product: Debt collection

Request for VERIFICATION OF IDENTITY AND ACCOUNT OWNERSHIP. 

I request Fifth Third Bank to confirm the ownership of the Bank Accounts where my money were deposited by unknown to me parties. 

I request the names of the Company who collected my checks and who deposited them ; and the names of the individual officer [ s ] who made or who authorized endorsements of the checks ( attached ) I believe that my payments were diverted and not received by the party whom I intended to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

i seen this account on my report i disputed it i sent all the requiring documents proof of address and police report