23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I paid amount due by due date. I keep getting notices that my account is over limit by XXXX which is their way of collecting more money from me even though i paid the amount due by the due date.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loans opened at XXXXXXXX XXXX XXXX on XX/XX/year>, another personal loan at XXXX XXXX on XX/XX/year>, an auto loan at XXXX XXXXXXXX via dealer on XX/XX/year>, another auto loan at XXXX XXXX XXXXXXXX on XX/XX/year>, another auto loan at XXXX XXXX  XXXX on XX/XX/XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : XXXX XXXX XXXX XXXX XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX XXXX XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX  XXXX XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan
Product: Credit card

I was out of the country almost 3 years. I just returned back receive a email a couple months ago but did not realize what was going on until XX/XX/year> when I started to read what the email I got from XXXX XXXX XXXX XXXX XXXX XXXX  stated some of my information gotten out so I started to investigate what was going on and see, 5 accounts was open in my name an i see 34 hard inquiries in my name an I start to contact the credit bureaus to dispute. fraudulent item XXXX XXXX XXXX XXXX was not helpful to resolve. This matter XXXX and XXXX is investigated in it. I do not know what going to be the outcomes of it my next option is to file a civil lawsuit against these three credit bureaus because they are responsible to protect my identity. I put a freeze on my account and alert any inquiries that come in they must contact me none of these company never contacted me and XXXX XXXXXXXX XXXX XXXX XXXX, help these fraudulent people to create an account they must be hold accountable for their actions
Product: Debt collection

This is in reference to XXXX credit card. the debt was in the hands of XXXX XXXX XXXX before I became disable as of XX/XX/2015. Most of my creditors have cancelled my debts as to my XXXX status but XXXX XXXX XXXX is pursuing an old debt for XXXX who purchased the debt. They have threatened to take legal action if i don't pay and this is the first and only letter I have received from their firm.
Product: Credit card or prepaid card

I went around XXXX XXXX time on XX/XX/2022 to purchase a XXXX to pickup a bed and couch for my son.. When I was done. I tried to put gas in my car and it declined. I told the XXXX that is in possible I have over {$880.00} in my card. Told him to try it again and it declined when I check my balance it says XXXX fraudulent transaction XXXX for {$400.00} the other for {$380.00}. When I look at the statement both transaction were done in XXXX, FL. XXXX hours and XXXX minutes away. I live in XXXX, Fl. When I reported to the card company that I told them I physically have my card in live in XXXX, FL How in the world someone can take an ATM withdrawal the same time I am in XXXX purchase a XXXX that physically was done. I told them this is my rent money. I have been XXXX  with XXXX kids I am not going let this happen to me again. If I pay my rent late this will risk me from renewing my lease. This all the money I had. You can see it was fraud they told me I have to wait 45 days until my fraud dispute get resolve that is unacceptable. I thought my money would be safe you can plainly see it a fraud but you tell me I have to wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit card or prepaid card

On XX/XX/2019 XXXX XXXX opened a credit card with Citi National Bank and forged my ( XXXX XXXX ) signature. I had no knowledge of the credit card card being opened until the bank asked me for payment. I never had a card in my possession. I believe that a former employee, named XXXX XXXX ( not sure of the spelling ), helped XXXX open the card. XXXX is a close friend of XXXXXXXX XXXX
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX XXXX  I went to Bank of America in person to deposit a check. I was told by the clerk that partial of my deposit would be available to use on XX/XX/. The rest of my deposit would be available XX/XX/. Now I get a email saying that all of it will not be available until the XXXX, then I get another email saying that none of my deposit will be available until XX/XX/, why am I giving dates that say one thing and then told another? Tell me a whole different thing. I don't think that's right.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency continue to open claims that already been closed. Spring Oaks Capital LLC had reopen a claim that was closed. This was the company XXXX XXXX XXXX XXXX. I had paid this company more then what I used. They continue to say I owe them {$610.00}. I explained that to the collection agency but they continue to keep it on. It is against the law for anybody to share your personal information even to sale your information to anybody without ones acknowledgement. I'm asking that this be removed from all 3 credit bureau. Thank You!
Product: Vehicle loan or lease

Wells Fargo On XX/XX/2007 repossessed my truck because they claim I had no insurance and they never reached out to me back then and now there not reaching out to my insurance company. My Agent is from my home town and I have know him all my life. He got american family to release the proof without a court order as he remembers others that had this done to them. They added cpi insurance in a fraudulent manner and raised my payment to a point I could not afford after making all but 1 year left of payments. Leaving me without a car and I had just had XXXX XXXX.I supplied them with proof of insurance last week so they really should be able to cut me a check very soon and I dont see the need to drag this out any further. I had the very same insurance the entire time I had the truck and only after they took it 2 days later I dropped the insurance and they also told me they repossessed it on XX/XX/2007 then I called my agent and told him what happened so he advised me to drop the insurance and thats just what I did.I dont understand why they think I should of had insurance through XX/XX/2007 just would have cost me more money. 
I need my money and I also had to file bankruptcy and lost the money I had paid on the truck for years. The truck had 40000. miles on it and it was like brand new. I need a car and it is about time wells fargo gives me a check soican get one.
Product: Checking or savings account

I was a victim of " Skimming '' Crime on XX/XX/2022. At the time of the withdrawal of {$300.00}, I never used my Chime Debit Card. As soon as I learned that I became a victim of " Skimming '' Crime, I reported the problem to Chime Bank. Chime Bank made an adverse decision as a result after I presented multitudes of evidence, screenshots, location, Witnesses, Co-Workers, Supervisors, Names, Phone Numbers, etc., to their Fraud Investigations Team. I had Chime Bank, XXXX, give me a Replacement Debit Card. And, Chime Bank gave me a Damaged Replacement Debit Card. So far, I'm getting consultation from Attorney XXXX XXXX XXXX. My Claim Number from Chime Bank is XXXX. My XXXX XXXX with Attorney is : ( XXXX )
Product: Credit reporting or other personal consumer reports

After recently being turned down from apartment I decided to take a look at my credit and I was in distress when I notice the incorrect items listed on here. I have called most of these lenders. And they are unable to give me information. Because I can not verify all the information. XXXX XXXX told me that account was open and a business name. I never had a business account. This is causing great duress to me and I need these items removed. I am unable to get a apartment due to this. 

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, Hard inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX I Inquiry date XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX ADDRESSES XXXX XXXXXXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland credit management is proceeding with a lawsuit without providing me verification of the debt. I now have 2 pending court cases in the State of Missouri. I have asked two separate times for the debt to be verified, once on XX/XX/XXXX and on XX/XX/XXXX. To date, I have not received verification and the lawsuits are active. 
Missouri Court XXXX and XXXX Missouri court website XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am trying to release my cosigner from liability for my private student loan. Wells Fargo EFS has but excessive, unnecessary, and unusual steps in the way of doing so. Specifically, it requires that the cosigner himself sign a form that is mailed by Wells Fargo directly to the cosginer asking him to release himself from liability. 
Wells Fargo insists that this is necessary because they can not release him without his permission. This makes no sense ; there is no reason that any person would have a desire to remain a cosigner on a loan if it is not required. Other companies do not do this ; XXXX released my cosigner only after my submission of a form and demonstration of myself as being a good borrower. 
In my opinion, Wells Fargo is putting this unnecessary barrier up in order specifically to prevent borrowers from getting cosigners released.
Product: Mortgage

We filed for Chapter XXXX bankruptcy in XXXX and it was granted. We did not include our home but did not fill out the proper forms ( we did not use an attorney ) to say we would pay the mortgage. 

XXXX we applied for a home equity loan and were told we have two liens on our title. We should not, I am trying to find the bank below to get a pay off letter from them to take it off our title. 

FIRST LIEN : First Franklin Financial Corp - I sent a certified letter to them requesting this and it was " return to sender Not deliverable as addressed Unable to forward '' I've called/researched but am not able to locate a phone number/address. 
I also found out First Franklin is a subsidiary of XXXX XXXX XXXX   of Indiana that closed in XXXX. How do I find current contact information for this bank? 

SECOND LIEN : XXXX XXXX this is who we pay our mortgage to. I sent XXXX XXXX a certified letter ( XX/XX/XXXX ) requesting debt verification for the mortgage. I got a letter from them ( XX/XX/XXXX ) saying we would hear back in writing in response to this request in 30 days. The letter also said the note holder of the mortgage is : XXXX XXXX XXXX XXXX with an address, I sent them the same debt verification certified request letter. I got their card back that they received the letter but I have not heard from them. It's been over 30 days - what recourse do I have, if I don't have proof of the debt?
Product: Credit card or prepaid card

On XX/XX/15 an order for a cost of {$540.00} was made on my XXXX account using a credit card of mine, but I did not make or approve the purchase. I immediately contacted XXXX when I saw the charge pop up since they were the merchant, and they told me to contact my card company to report it as fraud. 

My card company is Capital One, so I called them to report the purchase as fraud ( since I did not make it ). I received notice today that they're saying I am responsible for paying off the purchase. I called them back trying to figure out why, and after playing phone tag with a few different departments I never really got a reliable answer of what I should do. 

I didn't make the purchase, the item never arrived at my address ( if it did I would just return it ), and when I use the tracking number on the order page it shows it being sent out days before the item was even purchased ( and delivered the day the item was ordered ) which makes absolutely no sense to me ). XXXX also shows the shipper being XXXX, but if I track the delivery number it's XXXX. The delivery says it was signed for by a " XXXX '', but there is nobody by that name at my address ( I live alone ). 

Capital One isn't helping, XXXX isn't helping, and I'm at my whits end. I'm about to start XXXX XXXX, so I really can't afford any unplanned ( and unwanted! ) charges to my account. I take my credit seriously and monitor it like a hawk, so I report unplanned/unrecognized charges as soon as I see them.
Product: Checking or savings account

I transferred {$1000.00} to a friend using the boa app and my friend never received the money. He went to the bank there and said they were not sure and it would take a long time to investigate.
Product: Checking or savings account

CapitalOne360 experienced a security breach through their card vendor and cancelled my card. I did not receive notification of this until at a XXXX. I called, it will take several business days to receive a new card, meanwhile I am literally going to go without food for several days because they couldn't be bothered to alert my when they were cancelling my card and start the process of sending a new one. 

No accountability or care for their customers.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a check to my wife and myself XXXX XXXX and XXXX XXXX XXXX for XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX. The check was stolen from our mailbox and fraudulently edited with another name. Citi Bank received the check from the person or persons who forged our check and the Citi Bank Teller allowed the transaction to go through. Thus defrauding us of a massive amount of money. Citibank has taken no action to investigate this at all. This is a serious XXXX  that carries serious XXXX  time, and needs to be addressed. This has been going on for almost 3 years! This is unacceptable on any level. Citi bank employ 's a sophisticated network of security officials many of whom are retired FBI. This case should have been investigated thoroughly.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I sent XXXX to XXXX XXXX XXXX on PayPal. They said in order for them to ship my item I had to wait until the money was no longer on hold by PayPal since I paid using PayPal good and services. Days passed and I had no updates so ever about my item and the shipment status. Several days after I bought a friend of mine contacted me to tell me that person was a well known scammer and that they have been doing this for a long time. 

I asked the seller for a refund and they said that the money was already in their bank account and that PayPal couldnt do anything. Of course I immediately made a PayPal case, but PayPal quickly closed it. Then as a second option I called my bank and submitted a report for this transaction, but it has been over 10 days and I havent gotten any update from my bank what so ever other that they have cancelled my visa without my permission. The visa registered on my PayPal and which I used to paid the seller has been cancelled by my bank. 

Yesterday I spoke to the seller AGAIN after exposing them for scamming me and hundreds of people. Their response was thousands of posts and I still keep scamming. Many people have exposed them as a scammer since last year, but unfortunately PayPal has not closed their accounts so they just let them do this fraud. 


I have included here pictures of the PayPal transaction as well as the conversation with the seller. 

Thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an Avant loan in XXXX for approximately {$6000.00}. The account was refinanced with a new balance of approximately {$9500.00} and all payments were made on time. In XXXX XXXX as the pandemic engulfed the world, Avant transferred my account to a special temporary program that would lower my payment from {$430.00} per month to {$210.00}. This new plan began in XX/XX/XXXX with an initial due date of XX/XX/XXXX. I set up an auto pay with XXXX XXXX and the check was sent on XX/XX/XXXX. Please see attached bank page. However, Avant cashed the check but did NOT apply it to my account correctly. I have confirmed information of the check being cashed on XX/XX/XXXX making it ON TIME! I have attempted repeatedly to have this corrected. I am additionally attaching emails that were sent to me by Avant that were intended for another customer named " XXXX '' as evidence that this company was perhaps confused with my account. I do not even know a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter and the tracking # s. According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

List of inaccurate Accounts XXXX Account : XXXX XXXX XXXX Account : XXXX Us Dept Ed Account : XXXX XXXX Account : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These incorrect addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

XXXX XXXX XXXX XXXX, XXXX, OR, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I XXXX transferred {$2000.00} to a scammer connected to a XXXX XXXX Bank. My Bank of America recently told me that they would not be able to dispute this transaction. 
The scammer pretended to be a landlord for a 1 bedroom apartment in the XXXX XXXX area of XXXX, XXXX Our communications have been through email, and the scammer pretended to list their " apartment '' on XXXX. XXXX told me the numerous red flags of the situation, confirming that it was a scam.
Product: Checking or savings account

Dear Bank of America Representative, I am writing to formally request the immediate release of my funds held in my [ account type, e.g., checking/savings ] account, which was closed over XXXX days ago. Despite the account closure, my funds remain inaccessible, causing me significant financial hardship. 

As a customer, I am entitled to timely access to my funds. Your institutions extended delay in disbursing these funds has left me in a dire financial situation, and I urgently need these funds to meet my basic needs. 

I request that the full balance of the account be disbursed to me immediately, either via a cashiers check mailed to my address or direct deposit to an alternative account of my choosing. Please confirm the resolution of this matter in writing or via email at your earliest convenience. 

Should this issue remain unresolved, I will have no choice but to escalate my complaint to the relevant financial authorities, as well as consider legal remedies. I trust that Bank of America values its customers and will act swiftly to resolve this issue in good faith. 

Thank you for your immediate attention to this matter. Please do not hesitate to contact me at if additional information is required to expedite the process.