23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

Hello good day XXXX, this is XXXX XXXX XXXX XXXX, i tried calling your consumer care number regarding a transaction that i carried out me XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE..XXXX XXXX XXXX .I sent {$840.00} to my son XXXX XXXX XXXX XXXX for his school fees in XXXX and the next morning he went to the agent location to collect this money and he found that the money was already picked up by somebody else over there who faked his ID and used another face to collect the money. 
After carrying out investigation on what happened over there the authorities explained to me that XXXX has just XXXX zip code that is XXXX meaning that you can pick up money in any city so far as the money is paid inside XXXX 
My son 's leave in another city called XXXX which is the XXXX and the money was picked up in the XXXX called XXXX but now the authorities over there in XXXX asked me to call XXXX over here to get the proof of payment and forward it to them to financial institution that paid out this money over there because this transaction could only be carried out by the Banker that controls that financial institution that has XXXX services and the Cshier in charge. 
So after calling XXXX for several days now they ask me to contact your bureau so that you people can call XXXX customer care of which i have their phone number here with me and the details of the transaction. 

They said they could only release this proof of payment through you people as im gone to XXXX now to meet my Grand Father if he can help me to get some money while following this investigation because school has already resumed in XXXX and my son is still stacked at home because the hacker faked his ID and use it in collecting the money with the complicity of the banker and cashier in charge, So im writing you people to help me out in order to get this solve and the the XXXX direction will give you people the NAME OF THE XXXX STORE THAT PAID THE MONEY, THE STATE, CITY, THE CODE OF THE BANK AND THE NAME OF THE CASHIER THAT PAID THE MONEY, ,This can be in form of a receipt as they said. 


Here are the details of the transaction that i sent to my son that day. 

Amount .. {$840.00} Reference Number ... ... XXXX Sender ... XXXX XXXX XXXX XXXX ... .XXXX XXXX XXXX XXXX 


My phone number is XXXX XXXX XXXX XXXX XXXX ... XXXX Thanks and waiting
Product: Checking or savings account

Citibank locked my account due to they said they were doing a fraud investigation. I have no idea why or what would have caused them to do this. However, they said 90 days. It's been almost 6 months! I have over {$1100.00} in that account, and they only give me the run around. They have blocked me from even being able to access my account online, and I'm on paperless billing
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE ABOUT THE TWO BANKRUPTCY ON MY CREDIT REPORT. I SPOKE TO THE COURTHOUSE CLERK. SHE EXPLAINED TO ME THAT THE COURT SYSTEM DOSE N'T REPORT ANYTHING TO THE CREDIT BUREAUS. 

IT IS A THIRD PARTY THAT REPORTS THIS TYPE OF ACCOUNT. ON MY CREDIT REPORT THE REPORTING COMPANY IS THE : XX/XX/XXXX {$0.00} Dismissed Overview Reference Number XXXX Date Filed XX/XX/XXXX Classification Bankruptcy Type Chapter XXXX Bankruptcy Responsibility Individual Asset Amount XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX ( XXXX ) XXXX Chapter XXXX Bankruptcy : Bankruptcy XX/XX/XXXX {$0.00} Dismissed Overview Reference Number XXXX Date Filed XX/XX/XXXX Classification Bankruptcy Type Chapter XXXX Bankruptcy Responsibility Individual Asset Amount XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX ( XXXX ) XXXX THE COMPANY THAT IS SUPPLYING THIS IS XXXX, I HAD ALSO CALLED THEM AND ASK THEM TO REMOVE ME FORM THERE DATABASE OF INFORMATION. STILL NO HELP. 

THE CREDIT REPORT NEED TO SHOW THE CURRENT COMPANY. THIS NEEDS TO BE REMOVED FROM MY CREDIT BECAUSE THE REPORTING COMPANY IS INCORRECT ON MY CREDIT REPORTS.
Product: Credit card or prepaid card

I applied for Wells Fargo Autograph visa. It took around 3-4 weeks for it to reach me. Already raised CFPB complaint for that. Finally got it. Now other issue- the credit limit is way too low for me - XXXX XXXXXXXX. When i called Wells fargo- they said that it's the combined one for all the credit cars with wells fargo. I have XXXX as XXXX XXXX and easily getting $ XXXX and $ XXXX kind of credit limit. Wells Fargo is really very adamant and troublesome bank- they keep the credit limit very low which makes credit card useless. 
Moreover there is no way I can buy something more than XXXX XXXX XXXXy adding funds into the account also. 
Why not wells fargo show us the credit limit at the time of application and the let the customer decide whether they want this card or not?
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 1681. 

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

The original doctors appointment was overcharged to the insurance company. The amount paid to the doctor was too much for the type of appointment. I advised them that they charged too much for the appointment and I wouldn't pay the amount they were asking. Now they've sold it to a collection agency which I definitely don't owe.
Product: Bank account or service

I wanted to express my frustration with Chase Bank process of processing claims and managing security of customer funds ( checking accounts in particular ). On XXXX XXXX, 2016 I mailed XXXX checks to pay monthly bills. Both envelopes stolen from mail box, checks altered to someone 's private name ( same name in both cases ), amounts altered as well ( same amounts of {$350.00} written ), my signature left intact. Both checks were cashed on the same day XXXX XXXX, 2016 in XXXX closely located Chase branches in XXXX XXXX, WA for the same amount of money by the same individual. This is outrageously out of my pattern of spending which is not monitored at all. I also held Chase visa card and I had similar pattern of forgery which was INSTATLY detected and fraud stopped without financial losses, why same bank does not apply same rules for different accounts? The computer programs are in existence to determine account activity pattern and anything out of ordinary must have raised red flag. Besides that, even looking at electronic images of my checks I can see forgery not to mention originals which BANK has in its possession. It was an easy thing to detect as criminal was not very wise. But the bank clerks were even more stupid to allow for this. When I filed the claim clerks stated it was my responsibility to monitor my money. REALLY? Why would I be so stupid to deposit it in the bank then, I will keep it at home. As a result of submitted claim I now have to wait up to 120 days to get the money back. Really? Bank instantly issued my money to a criminal and law abiding citizens have to wait 120 days? I must have my money back as soon as claim is accepted and affidavit signed. When I requested claims clerk to explain what would be done as corrective action in this case she stated nothing, there are limitations what they can and can not do. Are you kidding me? So there is no quality Assurance function there like everywhere else? Wait for another financial crisis then, nobody will deposit money into your bank soon. Chase must perform preventative and corrective measures like any other industry does for consumers safety and financial stability. I work for XXXX. I can not imagine we blame our customers to monitor their own XXXX. This is outrageous and must be monitored by government. The processes today eventually do not preclude bank form accepting fraudulent checks. The must change then. And quickly.
Product: Debt collection

ARS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ARS XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following account need to be removed : XXXX XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Please remove XXXX XXXX XXXX  Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Product: Debt collection

I 've had issues with XXXX XXXX XXXX. They purchase old debts threaten to sue you and collect on old debts. My wife and I had given this company money on old debts that I feel they did n't have a right to collect. Anyway now they have their last frutal attempt to collect a debt that is beyond the statue of limitations in my state. They are not the original creditor and it seems they are re-aging the debt so it stays on my credit report longer than necessary. I would like this removed from my credit report and the company punished for being unscrupulous.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my final request for your cooperation and, alternatively, to let you know of a pending suit. The amount stated in the lawsuit is at {$54000.00} ( the amount of credit loss resulting from Capital One 's actions ). This communique is likely over the initial reader 's paygrade, so you may want to refer this to someone higher. 

I will meet with my legal counsel on XX/XX/XXXX to determine the final dollar amount/Attorney Fees and if XXXX XXXX should name on the summons ( or someone else ). Perhaps you can give me to the person 's name who should be on the subpoena.

Summary : Capital One, unreasonably and without warning, locked my new accounts before I could copy my account numbers ; As a result of Capital One 's unjust actions against me, I have been unable to make credit card payments to Capital One for several months. Irreparable damage to my credit rating resulted from Capital One 's rash actions. I worked diligently to maintain an excellent credit rating in the 800s ; now, due to Capital
One 's unfounded suspicions of fraud, I have dropped to a poor XXXX rating. Furthermore, multiple credit cards reduced my credit limit or closed my accounts due to the low rating. Also, I have had no access to my savings account for several months. Promises to unblock it failed.

I am not going to restate this case in detail. You can refer to case # for the details. Re : Account ending in XXXX, Capital One Cases : XXXX, CFPB Case : XXXX. 

I have made multiple attempts to mediate and resolve this problem with Capital One ( but failed ).

As requested, I call Capital one ( over ten times ) to explain and resolve this, to no avail.

( Each time I called, I had to retell the complex problem to which your staff could do nothing. You've been wasting my time by having me call you. ) I wrote two letters, one certified, to which I received no response, not even an acknowledgment : other than to say you misplaced or lost it I have filed two complaints with FCPB. Your response was vague
and ignored the issues. ( This being my second and final attempt to resolve this out of court.
Product: Credit card or prepaid card

I have a XXXX balance on my Fortiva Credit Card yet they are charging me a {$5.00} account maintenance fee and a late fee if I am late on the XXXX XXXX  monthly maintenance fee. This feee is basic extortion, because if I cancel this account my credit will be negatively impacted because it Will reflect as a closed account and my available credit will be reduced by the available credit limit of the card. This can not be legal.
Product: Credit card or prepaid card

The XXXX XXXX XXXX XXXX thru Money Network XXXX and XXXX is most likely a way for this company and their cronies to make money off the poor and the government. Withholding stimulus payments and making fees. This all seems like it's purposely hard. 
The card mysteriously isn't sent for months then they send a letter asking you to call to get it. That takes another XXXX weeks. If you even get it. My XXXX  stimulus was directly deposited. The XXXX ones hard to get because they gave their greedy buddies a side piece of action. XXXX. 
This is completely unnecessary except for a few greedy men ti the make money off the many. 

This company needs to be looked into for the good of the people. They have it set up so they make money and/or keep it from those who don't have the resources to fight it. I'm pretty sure there is a class action lawsuit here somewhere.
Product: Checking or savings account

i dont remember the date but i few years ago some one stole my folder with all my bank of america account info in it plus my card i had just open the account due to someone stealing it they put fake checks in my account without me knowing and did fraud on my account i didnt know nothing about this un till i login in to my account and seen my account in a negative balance.i reported this multiple times. i did a full report.so now i cant open a bank account at all in my name due to the fraud i didnt do.im not able to save money the way i would if i had a bank account.
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 U.S.C 1681 :. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit report Experian XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending presenting this complaint on my own behalf, as a natural person, consumer, and without any connection to a third party. 


There are late payments inaccurately reporting on my credit report and file. It is your grave responsibility to be reporting correct and accurate information on my credit report and file. 


These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes late payments- resulting in XXXX violating my federally protected consumer rights. Additionally, I did NOT give XXXX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ).

The inaccurate reporting of these late payments has caused me and my reputation severe harm and discrimination. Please correct your records and have ALL of these inaccurately reporting late payments changed to the correct status of PAID AS AGREED immediately. 

I was the victim of a scam and I'm still having trouble because of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS REPORTING DECEPTIVE, AND INACCURATE INFORMATION ON MY CONSUMER REPORT ALLEGING LATE PAYMENTS, AND DEROGATORY COMMENTS THAT CONTAINS INFORMATION REFLECTING TRANSACTIONS THAT ARE REQUIRED TO BE EXCLUDED FROM A CONSUMER REPORT PER 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS AGENCY DECEPTIVELY ALLEGED VERIFIED INFORMATION THAT WAS DISPUTED ON THE ALLEGED CONSUMERS CREDIT RECORD THRU AN ALLEGED INVESTIGATIVE CONSUMER REPORT THAT WAS OBTAINED DIRECTLY FROM A CREDITOR OF THE ALLEGED CONSUMER. THIS IS A VIOALTION OF THE FAIR CREDIT REPORTING ACT PER 15 USC 1681a ( e ) AND CAN NOT BE VERIFIED FROM A CREDITOR OF A CONSUMER. THE ALLEGED VERIFICATION IS FALSE.
Product: Credit card

Review the enclosed files. I request the bureau to initiate an inquiry into the accounts that consistently show me as tardy despite my punctual payments.
Product: Debt collection

I was sue for a debt i didn't owed, i did won the case, plaintiff and court dismissed the case, but shows in my credit report as sold pro Collect a collection debt for {$1700.00}. this is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report shows payments are made but I get phone calls that the payment is late. Accounts show up already in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted this information multiple times. Transunion had removed this item after reviewing the supporting documentation. The item has reappeared on my credit report. Transunion is the only credit bureau that continued to put this item on my report. This bankruptcy should be deleted immediately. I have attached a letter from my attorney and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$14000.00} XXXX BANK XXXX Balance : {$35000.00} XXXX XXXX BANK XXXX XXXX XXXX Balance : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

INNOVIS DATA SOLUTIONS This company cut off my access to their online portal because I disputed some of the accounts on there. They keep changing the reason for nap able to give me the access. 

At first they said I'm not able to login because there is no phone number on file for two factor authentication. 
Once I provided that with proof and its updated, I'm still not able to login. 

Now they are saying there is some security policy that is preventing me to login and they can not give me a timeline in which the issue is going to be resolved. 

They keep offering to provide assistance over the phone or the mail which is not what i want. 

They are only doing this because I disputed online.