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

Wells Fargo Card Services # XXXX is reporting an account to my credit that is past the Statute of Limitations in California. I no longer legally owe this debt and I need it removed off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a FTC report to XXXX, Equifax, and XXXX certified mail.
Product: Credit reporting or other personal consumer reports

I want to clarify my first and last name, my current address and my full- time XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Recently I looked at copy of my credit report and noticed several inaccuracies in my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to endurance accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX # XXXX XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX XXXX Equifax : XXXX # XXXX XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX # XXXX XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry from capital one on XX/XX/2020
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

XX/XX/2020 I received an email stating that USAA was revoking all business with me. On XX/XX/2020, my account would be closed and all funds would be held until that date. I have fought tirelessly for my money. I was told by XXXX XXXX that it could not be closed early but a check request would be issued regarding the stimulus funds.In other words, I would have to wait until XXXX XXXX. Well it is XXXX and the account is still open and now I am being told that it is because money of another fraud case or something. I don't have a fraud case open. I don't know what type of mess they are making up. I have been sent over 5 letters stating that the account would be closed on XXXX XXXX. I even have one document stating XXXX XXXX. I don't care what the issue is USAA has -- -- -I just need my money ASAP. When I called about it tonight, the rep said the fraud department would call me back in 2 days. I don't have two days, especially when there was a letter sent to me stating that I had to wait until XXXX XXXX. I want my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX - Acct # XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX - Acct # XXXX The XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX - Acct XXXX XXXX 15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Credit reporting, credit repair services, or other personal consumer reports

Me and my wife have been going through a divorce process. I found out that she added me to a credit card as a joint user and she claimed on the divorce papers that I have been served to divide half of the debts which is not fair because I never authorized her to add me to credit cards or credit records including federal assistance. I would like to solve this with XXXX XXXX. I have even called XXXX to report that issue and that is still showing on my credit report/score. I would like all this removed including debts and credit report for the XXXX. I also don't have any knowledge if she is still using the card that's under my name.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 


Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name _XXXX Date open__XXXX Account Number XXXX Reason for dispute__IDENTITY THEFT Account Amount XXXX  Account Name XXXX XXXXXXXX Date open__XXXXXXXX  Account Number XXXX Reason for dispute _IDENTITY THEFT Account Amount XXXX  Account Name XXXX XXXX Date open_XXXX Account NumberXXXX  Reason for dispute____IDENTITY THEFT Account Amount XXXX Account Name XXXX XXXX  Date openXXXX Account NumberXXXX  Reason for dispute__IDENTITY THEFT Account Amount XXXX Account Name XXXX Date openXXXX Account NumberXXXX Reason for dispute___IDENTITY THEFT Account AmountXXXX Account Name XXXX Date openXXXXXXXX  Account Number XXXX Reason for dispute__IDENTITY THEFT______________ Account AmountXXXX Account NameXXXX Date openXXXX Account NumberXXXX Reason for dispute__IDENTITY THEFT__________________ Account AmountXXXX
Product: Checking or savings account

I went to deposit {$2300.00} on Sunday, XX/XX/XXXX at XXXX at TD Bank at XXXX XXXX XXXX, XXXX XXXX NY . I put the bills in to the ATM for deposit. The money was not accepted and spit back out 2 times. I assumed it was too much cash at one time, so I split it up into multiple amounts to make several smaller deposits. I put in {$2100.00} ( in 100 dollar bills ) and it was spit back out initially. I assumed it was because the bills were not all facing the same way, so I corrected that and on my next try it was accepted by the machine. The machine went blank and the screen turned black. The  machine started beeping while the word 'Wait ' flashed over and over again. After approximately 2 minutes the machine restarted and I continued. From there in error I hit 'quick cash ' and received {$60.00} in cash. I continued trying to deposit the remaining {$260.00} that I did not initially deposit along with the {$60.00} in cash that I had just withdrawn in error. I put {$320.00} into the ATM and received a receipt stating I only deposited {$210.00}. The initial {$2100.00} was gone and not reflected on my receipt or balance. I called TD bank while standing at the ATM and told her what had happened and explained that my receipt did not reflect what I put in. She responded by saying " Your receipt and what I'm looking at on my screen do not match. '' From there, the woman told me to call back in 3 days because they won't file a claim until it's been 3 days. I asked several questions including 1. Can I see the security footage. 2. Can I speak to someone at the bank branch. Her response was that I could go and try. The next day, Monday XX/XX/XXXX I returned to the branch at approximately XXXX and waited outside until someone would see me at XXXX. I spoke to a man who took my complaint and told me to wait 7-10 business days. I waited 10 days and never heard back. From there I went back to the branch on Saturday, XX/XX/XXXX. I spoke with a woman who told me to keep waiting until it's been 15 days. I continued to hear nothing from TD Bank. I called again on Monday, XX/XX/XXXX with my boss who offered to help advocate for me. We spent over 2 hours on the phone with TD Bank who indicated that we needed to file an additional claim. At this time, they told us that the initial claim had been denied at XXXX that morning ( XXXX ). The woman could not repeat the story and provide accurate information despite us going over it several times. We asked several times for information about what occurs during an investigation and who does the investigation. The representative from TD Bank could not answer these questions. This person was unhelpful and could not follow or accurately document the information that we repeatedly provided. After finding out the initial claim was denied, we refiled another claim with this woman on the phone. One week later on XX/XX/XXXX I received 5 copies of the same letter that indicated that they completed an investigation and an error had not occurred, therefore our claim was denied and I would not be refunded.
Product: Credit card or prepaid card

This is not specific to one transaction. I use a business American Express card a lot, and have to dispute charges every month or two. American Express makes it nearly impossible to obtain updates after filing a dispute. Their website will show a dispute that is in process, but once " resolved '', it does not tell you what the resolution was. It only states " We have completed our investigation. Please refer to the communication we sent. '' The main issue is that American Express is not sending me communications. I have no idea if they ruled in my favor or in the merchants. I have to call customer service and fight through their phone system to get an update. And more than once, they have ruled in the merchants favor because I did not send information " that they requested '', but again, they NEVER send me any communications once a dispute is open. And since they never told me their decision, sometimes by the time I find out they ruled in the merchant 's favor, it is too late for me to reopen the dispute. 

Their inability to communicate must be violating the FCBA by not informing me of dispute status and resolutions.
Product: Debt collection

Acting in good faith under TX Bus & Com Code 1.304 ( UCC 1-304 ) and IRS standards for fiscal accountability as outlined in Publication 583, I assert that any claim of debt or obligation against me must be supported by verifiable fiscal evidence of a loss or expense, documented within the relevant fiscal period and substantiated through double-entry accounting. Any attempt by a government or organization to authenticate or enforce an unaccountable claim not rooted in fiscal evidence constitutes a violation of public trust and accountability, and I reserve all rights to challenge such actions under applicable state and federal laws, including those protecting against fraud and abuse of authority. I have requested this information multiple times starting on XX/XX/XXXX and Capital One N.A has yet to provide any documentation or verbal response.

Key Issues 1. Improper Handling of Security Interests : The granting of security interest in the contract creates financial leverage for the institution, which is monetized through securitization, assignment, and sale. These actions generate value far exceeding the debt initially incurred by the borrower.

2. Failure to Allow Setoffs : Under the Truth in Lending Act ( 15 U.S.C 1601 et seq. ), consumers have the right to transparency and equitable treatment in financial transactions. Denying the application of excess profits or credits to set off outstanding debts violates principles of fair dealing and good faith under TX Bus & Com Code 1.304 ( UCC 1-304 ).

3. Potential Usury and Unjust Enrichment : When the financial institution generates profits exceeding the debt created by leveraging the borrowers security interest yet refuses to apply these funds to reduce or discharge the debt, it constitutes unjust enrichment and potential usury. Such practices contravene Tex. Fin. Code 305.001, which governs interest rates and protects against excessive charges.

4. Denial of Recoupment and Counterclaims : As a grantor of securities within the contract, I retain an equitable interest in the proceeds generated. Denying my right to recoup or counterclaim the amount of credit provided to me or on my behalf violates principles of equity and UCC 9-210, which mandates full accounting in secured transactions.

Under TX Bus & Com Code 1.304 ( UCC 1-304 ) .and Truth in Lending Act ( 15 U.S.C 1601 ) I assert my right to equitable treatment and full accounting in financial transactions, ensuring that all security interests granted within contracts are applied in good faith. Denying my ability to set off, recoup, or counterclaim the amount of credit provided to me or on my behalf, while the institution profits from securitization constitutes unjust enrichment and violates principles upheld in Perry v. United States, 294 U.S. 330 ( 1935 ). Any failure to account for these actions or excess proceeds breaches transparency obligations and infringes upon my rights as established in Transunion LLC v. Ramirez, 141 S. Ct 2190 ( 2021 ).
Product: Credit card or prepaid card

My card account is locked because someone has opened multiple other accounts in my name and over drafted them. The company, Netspend, is trying to make me settle these accounts that are not mine. They are not helpful and will give me no information on how to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past YEAR I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 

1. Account Name : XXXX XXXX XXXX. Account Number : XXXX Date opened : XX/XX/XXXX Balance Amount : XXXX Reporting on : XXXX  and Experian 2. Account Name : XXXX XXXX Account Number : XXXX Original Creditor : XXXX Date : XX/XX/XXXX Balance Amount : XXXX Reporting on : XXXX  3. AccountName : XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX Balance Amount : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, Experian and XXXX 4. Account Name : XXXX XXXX   GROU Account Number XXXX Balance Amount : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX posted a 30 day late on my credit report for XXXX, XXXX and Transunion. My payments were made on XX/XX/XXXX. I posted two separate payments as my first payment was incorrectly entered as {$240.00} on the XXXX system. I then went in soon thereafter and posted another payment for {$400.00} to ensure my acct would be current also on XX/XX/XXXX. I then received a call on XX/XX/XXXX indicating my acct was still past due as only the {$400.00} was entered in the system. I then immediately made the payment. I was always under the assumption that both of my payment had been made as I had received the confirmation email from XXXX.
I sent a letter to XXXX with confirmation of my email confirmation as well as the debit from my bank. XXXX denied the confirmation and stated that it was incorrect even though I sent proof of the email as well as where the debit had taken place on my account. XXXX asked me to dispute the amount with my bank as they had never received it. I put a dispute in place with my bank account and asked XXXX to at least remove the 30 day late from my credit as the error had been on their end and as a goodwill as I have been a good customer. They once again denied everything and told me they would not remove the 30 day even after providing all the proof. I am asking that they remove the 30 day late from the 3 credit bureaus as i am unable to qualify for a good rate for a home loan that I am pursuing. Even though i urged them, they are not cooperating and when I ask to speak with management they tell me there is no one in that department i can speak with because they do not take calls.
Product: Debt collection

XXXX XXXX XXXX, PA is alleging that there is a debt in the amount of {$610.00}. Multiples times I have requested validation of debt as required pursuant the FDCPA and XXXX XXXX As required by law : XXXX XXXX XXXX XXXX PA has failed to validate this debt via model form B. In addition have also requested an assignment contract allowing them to collect on any alleged debts and they have failed to provide any contracts or assignments as required under the FDCPA. 

XXXX XXXX XXXX, PA continues to harass and mail me offers to contract with this alleged debt.
Product: Checking or savings account

On XX/XX/2022, I discovered that a check I wrote to the IRS for {$17000.00} for estimated taxes in XXXX had been stolen, washed, forged and cashed by my bank PNC. I immediately filed a police report with the XXXX XXXX Police Department and a fraud charge and affidavit with PNC bank. To date, I have heard nothing from PNC or the police regarding the status of my claim. The check is clearly forged and anyone who looks at it can tell that it was originally made out to the IRS and someone whited it out and wrote their name to cash it. I have called PNC three times to check on the status of their investigation and have not received any written response. I was able to speak to one person, but got a noncomittal " It's under review. ''
Product: Checking or savings account

America First credit union is rolling out a forced {$72.00} a year premium checking account for all its members and they are doing so in a sneaky way. First, rather than have it stated very clearly when you log into online banking that this is happening with an opt-out option they are only sending little emails that don't include out to opt-out of it. When I signed on to America first part of the terms and conditions were that they had free checking and no underhanded fees. In order to opt-out of this premium checking, you have to call and wait on hold for 35+ minutes. This is something a bank would do rather than a member 's first credit union. The best part about going with a credit union is no monthly fees. I wish they offered this as an option, instead of as something they automatically set up and we need to call to cancel. It goes against everything Ive always thought America First stood for. Even if the benefits are great the way this is being rolled out feels sneaky. It should be an option rather than a forced situation.
Product: Student loan

Hello, My loans are currently with XXXX XXXX. In XX/XX/2018 I applied for loan discharge due to a school closure. After submitting my application for this I received a letter ( see attached ) dated XX/XX/2018 stating that I meet the criteria for discharge of my loans and that my request has been forwarded to the U.S. Department of Educations Office and that I would be contacted regarding their decision. 

I proceeded to wait the entire summer without an update regarding this. During this time, I spent countless amounts of time on the phone with various departments with the Department of Education who maintained that XXXX XXXX would make the decision regarding discharge of my loans. Also, during this time, I contacted XXXX XXXX on multiple occasions with this information and they maintained that a decision would need to be made by the Department of Education and to be patient. During this time my loans were in administration forbearance. 

On approximately XX/XX/XXXX I again contact XXXX XXXX by phone. On this date I was informed by the representative that in fact a partial amount of my loans had been approved for discharge. The total amount of discharge was approximately {$8000.00} ( {$5000.00} on one loan and {$3000.00} on another ). Essentially the difference between the original amount and the current principal balance. I maintained this was not correct but she was only stating the difference between the original loan amount and the current principal balance. The representative could not explain this to me but instead only stated a special letter would be sent to be explaining everything and where this discharge amount of approximately {$8000.00} was applied. To date I have yet to receive this special letter. I am asking for assistance regarding this matter. 

Thank you,