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

In the month of XX/XX/2021 U.S. Bank system some how drop one digit from my auto payment account causing a missed payment on a loan. I contacted the bank and no one was able to tell me why this happened. I was told to fill a dispute that's all. I have tried multiple times get this resolved but get little response from the bank.
Product: Credit reporting or other personal consumer reports

My TransUnion complaint was sent on XX/XX/2024 through the CFPB so the company certainly received my letter on this date. However, I did not receive a response from TransUnion until XX/XX/2024. This is well over the 30 day period. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy states that if the completeness or accuracy of any item of information contained in a consumers 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Per 15 USC 1681 c-2 and 15 USC 1681i ( a ) ( 5 ) ( B ), the company has also exceeded the 5 day period in which they should have notified the furnisher of the following information : 1 ) that the information reported may be a result of identity theft ; 2 ) that an identity theft report has been filed ; 3 ) that a block has been requested ; 4 ) the effective dates of the block ; The company updated the disputed accounts to as " verified '' on my consumer report however they did not submit any proof of verification along with this loose and frivolous statement.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was scammed on XXXX XXXX by someone who responded to an item I had posted for sale. The buyer claimed she was interested in purchasing my item, and asked if I would accept XXXX for payment. I had used XXXX via Wells Fargo in the past and thought it was safe way to send and receive money. In my correspondence with this buyer, she claimed that she was unable to send me funds because my XXXX account was not considered a business account. She asked me to check my email, where I found a message from who I believed to be XXXX customer service stating that in order to receive my {$250.00} payment from the buyer, I first needed to " verify '' my account as a business account, and that I needed to send a {$500.00} transfer to the buyer, which was going to immediately and automatically be sent back to me along with the {$250.00} my item was listed for. My understanding was that this was to provide proof of adequate funds. Believing this email to indeed be from XXXX, I completed the transaction, not knowing I had been scammed and that I hadn't received the {$250.00} payment ( this was a fake confirmation email ), but that I had sent {$500.00} to the scammer. What clued me in to the fact that this was a scam was another email requesting a second transfer due to not being able to process my " verification '' as a XXXX business account. 

I immediately contacted Wells Fargo to request an interception of this transaction ( case # XXXX ). I was told by the Wells Fargo agent that she could not intercept the payment, but that she would file a claim to request that XXXX investigate it. I also attempted to contact XXXX directly, but was told to contact my bank. I saw that my payment to the scammer was pending for several days, and I thought that was because Wells Fargo had held it because of my call, but was dismayed to see that it was processed three days later. 

On XX/XX/2022 I contacted Wells Fargo again because I had not received any follow up ( case # XXXX ), and was told that there was nothing they could do to help me and that it was not possible to receive my funds back. I am writing to request that CFPB intervene on my behalf to have my funds returned to me and investigate and prosecute as necessary the perpetrators behind this financial scam.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I paid for a purchase with XXXX in full the agreed amount on my Chase Freedom card. When I got the statement XXXX allowed United to charge an additional XXXX XXXX I disbursed this with XXXX and Chase and it was removed. After the trip the XXXX was put back on this time by XXXX. I called Chase and they said Im to write a letter and upload it. God put it in my mind that Chase is pocketing millions if not billions of these charges that are removed and put back on from consumers who didnt get the service or was charged more than the agreed amount at the time of purchase. When I wrote the letter the Chase app wouldnt allow me to upload the letter. Then I started to think how often this happens with Chase and their customers service, so I asked them where I could report my concern about this. They refused to provide the information! They told me I can report them to XXXX XXXX, that this is the government agency that overseas credit cards, when I called it is not, its XXXX Which led me to you. I dont owe the XXXX to Chase and I havent been able to upload the letter. It is unAmerican to allow big business to over step together against the tax payers like this. Chase, XXXX and United I cant fight, nor can I afford to give them an extra XXXX I do not owe. I paid in full the XXXX I did owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 


2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

4. Identity Theft LVNVFUNDG Account Number : XXXX This is not mine.
Product: Credit card

XX/XX/XXXX : On XX/XX/XXXX, two unauthorized transactions were made with my credit card using the physical card. The charges were as follows : {$1600.00} at " XXXX XXXX '' {$86.00} at " XXXX XXXX '' According to the transaction history, these purchases occurred at automotive repair shops. However, I did not make these transactions. 

XX/XX/XXXX : On XX/XX/XXXX, another unauthorized transaction for {$120.00} was made at " XXXX. '' Again, I did not make this purchase. 

XX/XX/XXXX : As I typically use this credit card electronically via XXXX XXXX, I didnt immediately notice these fraudulent charges. When I reviewed my account balance and statement on XX/XX/XXXX, I realized these transactions were not mine. That same day, I called my bank ( Wells Fargo ) to report the fraudulent charges. I informed them that I do not use this card physically, only via XXXX XXXX. I also mentioned that the last time I saw my physical card, it was at my home, which was my last recollection of it. 

XXXX Statement : In the XXXX statement, I noticed that after receiving a provisional credit for the disputed amount, the bank recharged the transactions to my account. The bank claimed that their investigation concluded I had made these transactions because I had mentioned during my initial report that the last time I saw the card, it was at my home. However, I disputed this again, explaining that my card must have been stolen from my home. When I initially said I had last seen the card at home, I had not realized it had been stolen.

Current Situation : I have disputed these charges twice, yet the fraudulent amounts remain on my account, and I am still accruing interest on them. I have always been in good standing with all my credit cards and continue to be with Wells Fargo. Therefore, I kindly request your assistance in resolving this matter as I did not make these transactions.
Product: Credit reporting or other personal consumer reports

I did a pledge Loan with XXXX XXXX XXXX XXXX, and they dropped my scores for no reason I lost XXXX points on Equifax. 

I need an explanation ; I haven't even made payments yet. 

I did a pledge loan for {$2000.00} dollars.
Product: Money transfer, virtual currency, or money service

Today XX/XX/XXXX i chose to use ingo money app to cash a unemployment check of XXXX . I submitted my check it was approved and all was good until i got an email saying funding failed. I contacted them realize my old debit card on file changed it and their support told me it would be sent there once that card was verified. I get an email saying my funds were sent yet nothinf was in my account. I contact ingo and they inform me they sent it to a paypal i had on file. Heres where its a problem. 1 : i never chose to have it sent to a XXXX  or even had XXXX  mentioned between me and them once. 2 : ill provide a photo showing directly in their app under my payment accounts there is no XXXX  listed. I didnt even remember it was and definitely never chose it.3 : this paypal i no longer have access to and would never of chosen it be sent there. They expect me to contact XXXX  to send it back. I paid an extra fee to have this money sent to my bank account in minutes and against my consent they sent it to an account i didnt chose. They just act as if its not their problem. They went against my consent and my knowledge and sent that money somewhere i won't get back this is ridiculous and i honestly want something legally done about it
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. I, XXXX XXXX, did not provide your agency written instructions to include this fraudulent account in my consumer report. This is a violation of 15 USC 1681b- ( a ) ( 2 ). You have caused me grave issues and faltered me from being able to advance in my life. I have a family and I would like to be able to purchase a house. These fraudulent accounts are holding me back. I know and am aware of my rights and I demand that the balances are XXXX out and removed from my account. 

The following documentation will be shipped directly to you so that there is no back and forth about identity verification.
Product: Checking or savings account

Capital one Bank have restricted my checking accounts for almost 6 months. I previously made a complaint to CFPB regarding this situation and Capital one bank responded back claiming that they were closing my account. However to date they have not kept to there word and continue to hold on to my available funds of almost XXXX dollars, I would please like this account closed and my funds sent to me as soon as possible
Product: Credit reporting or other personal consumer reports

check my credit score and found out there was accounts and addresses that didn't belong to me
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from XXXX, XXXX XXXX, XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor Therefore any such debt in fact therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX balance {$550.00}. XXXX  XXXX  balance {$410.00}, XXXX XXXX XXXX balance {$850.00}, XXXX XXXX XXXX balance {$7300.00}, XXXX  XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX  balance {$680.00}, XXXX XXXX XXXX balance {$520.00}, XXXX XXXX balance {$200.00}, XXXX XXXX XXXX Balance {$1400.00}, please these inquiries XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletions listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I got this acount that does not belong to me and i want it to be remove from my credit report asap. 

1. Identity Theft SANTANDER BK Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

FRAUD INQUIRIES ON ALL THREE CREDIT BUREAUS POLICE REPORT COPY AND NUMBER IS XXXX
Product: Debt collection

Lost communication with loan company during a move. When found out company was not getting payments from auto drafts and received letter from third party, I paid it off, but it still reflects bad debt and neither party will show it paid off on credit report This should reflect on credit report some way as paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and requested validation of debts, I requested contracts with signatures, copies proving these accounts were investigated and properly verified. After months of waiting nothing was provided however creditors stated items were verified without showing or explanation to how. I also requested my name address be updated correctly and nothing was done. I am requesting all accounts reviewed, investigated as they are required by law. Please remove collection accounts and charge offs listed that arent mine or not verified.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$25.00} XXXX XXXX XXXXXXXX Balance Owed : {$7600.00} XXXX  XXXX Balance Owed : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$270.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$330.00} XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card

Reported my payment as late despite the fact that I paid on time. Their app made me submit XXXX different payments before it ever updated XXXX payment didnt go through due to the app. I was later hit with a XXXX day late. I want them to remove that late because the account is paid off in full and I was never late.
Product: Prepaid card

This morning I tried to order a XXXX ride from my residence to my place of employment. I forgot that I had locked my card so the initial XXXX transaction got declined. I then unlocked my card and tried to process the transaction again but to no avail. The transaction still got declined. I have more than money in my account. I have {$55.00} in my account and the XXXX transaction was only {$42.00}. In addition to that, now no transactions are working. It keeps showing an error message stating they're being " this payment was declined for your protection ''. 

I've tried to work with the Cash App staff but they refuse to assist no matter what information I try to provide them.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XX/XX/year>
Product: Prepaid card

I transferred {$25.00} from my PayActive account to XXXX XXXX. PayActive withdrew {$26.00} from my account while only transferring {$25.00}. When I called, I was told that the XXXX dollar fee for XXXX XXXX is a new fee. I told him that the fee does not appear on their app or website, and it is not listed in the schedule of fees. They replied by saying it was a new fee and I shouldve received a pop-up message on their app. I did not receive any pop-up message. I told them that any information or disclosure of that XXXX dollar fee is not on their website or if no it is, then it is very difficult to find. I looked carefully to see if there would be a fee charged for a transfer to XXXX XXXX and I could not find that information so I went ahead with the transaction. I asked for a refund of the XXXX dollar fee and was told that it would not be possible. I told them that if you look at the transaction history, you will see that its not even listed as a fee. Its simply listed as a {$26.00} withdrawal with {$25.00} being transferred. How can they charge a fee that they do not disclose? How can they charge a fee without it being explicitly stated in the transaction? I did not withdraw {$26.00} from my account, I withdrew {$25.00} and they added a XXXX dollar fee. Its very deceptive.
Product: Credit reporting

I was told by XXXX that, I have house which is n't true,. I applied for apartment and I was denied due to inaccurate information, of credit reports. Also inaccurate residential verification.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXXXXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chargeoff XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$5800.00} Chargeoff XXXX  XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed XXXX {$1400.00} Collection XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed
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 consumers rights to privacy under 15 USC 1681. 
XXXX XXXX XXXX Texas : Docket # 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  All the above listed has violated my rights. 
Under 15 U.S.C. 1681 s 602 ( a ), I have the right to privacy.

Under 15 U.S.C. 1681 s 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ), 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. 1681-s2 ( A ) ( 1 ), A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I had many over draft fees applied to me and then I later had to pay the over draft fees cause my account went to collection. But I paid hundreds over the original amount.