23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I began to file out Federal income taxes online through XXXX XXXX XXXX XXXXXXXX software. A PayPal screen opened saying that they were accepting payments though their website, as I use PayPal credit I authorized a payment of {$1000.00} to the XXXX XXXX XXXX. The payment was made and charged to my account. I had no ideal that there was problem until XX/XX/year> when we received a bill with penalties from the IRS. We have been in the IRS offices twice trying to figure out where our payment was. I have contacted Sychrony Bk and PayPal Credit multiple times and well as sent them paper copies of this transaction. I was not given address where my payment was sent until just a few weeks ago. Supposedly it was sent to an incorrect address in PayPal 's system - XXXX. No one is answering questions or accepting any responsibility for this error or helping to recuse this payment. In the meantime we are being contacted by the IRS to correct this issue. Hard copies or request, IRS notices, and transaction information has been sent to both Sychrony Bk and PayPal Credit as well as filing numerous electronics request to resolve this situation.
Product: Student loan

Unknown student loans my information/identity was fraudulently used to get student loans
Product: Debt collection

Received a phone call from a man claiming to be in the same county as I. He said he had legal paperwork to deliver, and that I was being sued by a company called Northwind Associates for an unpaid debt from 4 years ago. I asked what the debt was and he told me I had to call the company. He gave me a case number and I called. The man who I spoke with asked me to confirm my identity by giving my date of birth. He had my correct address, phone number, and email address. He proceeded to tell me that the debt needed to be paid otherwise I 'd be required to go to court. He offered me a settlement of {$670.00}. I paid it. I had remembered taking out a payday loan, but now that I 've done my research ( too late but I was TERRIFIED of having a man stalk me to hand me court paperwork and be sent to court or jail! ) I 've found that Northwind Associates is a scam company and they 're not legitimate at all. 

I just gave birth XXXX months early to a baby boy XXXX until XXXX, if not later. These people contacted me XXXX. I lost my job due to going into XXXX. I can no longer work because I 'm on maternity leave and once my leave is up, the XXXX is over ( I worked at a XXXX ). The income of relied on to save up and be able to buy my baby his necessities for life has disappeared due to giving birth XXXX. And then these jerks come along and scam me?! Now I 'm out {$670.00} and with our XXXX income completely gone ( my husband is military so we have that ) and a baby in the hospital over XXXX, we 've been cheated and done wrong. I am so heartbroken and sick over this.
Product: Credit reporting

To whom it may concern, I have been trying to fix my credit from past mistakes I made in order to buy a home in the future. When checking my credit report with Experian and XXXX I noticed a lot of unauthorized hard inquiries on my report. I called Experian and XXXX several times and also disputed those negative items and they have not been removed. On my Experian report the only items that shall remain that I authorized are from XXXX, XXXX and XXXX Credit Card. There are some from XXXX that should of fell off in XX/XX/2017.
Product: Checking or savings account

I opened a student account at Citibank four years ago. The bank clerk told me there was no cost. I opened my account this month and saw that I received two service fees. XXXX and XXXX. {$25.00} each time. I called and complained about customer service. So I know that Citibank changed my account to an account that requires a service fee without telling me. Then, under my complaint, they only refund half of the service fee. I am very dissatisfied. Citibank has all of my information. But they did not inform me that my account will change.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the FAIR credit REPORTING act everything has to be XXXX XXXX accurate on my credit report. 

This account " XXXX '' was closed threw mutual consent between the creditor and consumer and is no longer associated with the individual " XXXX XXXX XXXX '' I demand it be removed but my request was ignored. 

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 consent.
Product: Checking or savings account

On XX/XX/XXXX my husband and I went to Citibank in XXXX, CA to open up a {$100000.00} checking account, {$100000.00} savings account, and {$460000.00} CD. There was to be a {$1000.00} bonus added to the checking or savings account as a new customer. This never happened. 

In XXXX, XXXX we received a letter stating that due to lack of activity, the accounts were being closed. My husband called the bank and was told he needed to speak to XXXX XXXX, Citibank Relationship Manager. She looked into the problem and said it was not related to this account, that there it was related to an account in LA, previously set up by XXXX XXXX mother, XXXX, now deceased. The account previously put in XXXX XXXX  account. XXXX spoke with XXXX XXXX and said everything was OK, there was a question on the trust. 

Next thing we know, our accounts which we opened up were closed and all the money was sent back to us. When XXXX tried calling XXXX to find out why this was done ( we never wanted them closed ), she never returned the phone call. 

This is fraud!
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute the collection account listed on my credit report with the account number XXXX from Caine Weiner XXXX The account is reporting as a collection, but I believe that the debt is no longer enforceable due to the expiration of the statute of limitations. 

Under the laws of XXXX XXXX the statute of limitations for this type of debt has passed, and as a result, the debt is no longer legally collectible. The statue of limitation ended in XXXX of XXXX, and had been removed from XXXX XXXX XXXX, and then illegally updated it's status in XXXX XXXX XXXX ; XXXX  months after it's limitations to remain reported on XXXX credit report. 

I request that you thoroughly investigate this matter and remove the collection entry from my credit report, as it is no longer legally valid. If the collection agency can not provide proof that the debt is within the statute of limitations, I request that the account be removed from my report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation within 30 days, as required by law. If you require any additional information to proceed with this dispute, feel free to contact me at the address listed above. 

Thank you for your prompt attention to this matter. 

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

For some reason I can't log into my Equifax account after several attempts. I called to do a phone verification and the questions asked didn't apply to me so they said I had to send in my DL and SS card
Product: Credit reporting or other personal consumer reports

I have tried, numerous times, to get a an extended 7 year fraud alert/notification added. Just today I tried again, followed every step on the website and the process as outlined and it just keeps funneling me to buy a monthly membership. The website has clearly been setup in a way to attempt to extract money from consumers who are attempting to exercise their rights when they are a victim of identity theft. It is a nightmare to deal with fraud and they are trying to profit from it. 

How many people pay because of the workflow being created to trick people thinking they need to pay the money to protect themselves.
Product: Debt collection

I noticed my credit went down significantly, so when I checked my credit, I noticed there was fraud. Someone used my name, spelled incorrectly " XXXX XXXX '' to open an account under XXXX  & now Southwest Credit is trying to collect $ XXXX from me for months worth of XXXX bills. The collection was opened XXXX XXXX 2021. The account # : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX BANK XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, ROUTE XXXX XXXX ( AUTO ) XX/XX/XXXX, COAF ( FINANCE ) XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK
Product: Credit card or prepaid card

American Express is not crediting my account or finding electronic payments from my bank for the full payoff amount. My bank verified sending electronic payments of {$760.00} and {$120.00} to cover principal and interest on XX/XX/2020 but American Express has no record of it. In the past Amex has acknowledged payments the day they are received but for some reason they cant do it now. I am worried they will lose the payment or fail to acknowledge it so they can continue billing me interest. Spoke with XXXX a supervisor with Amex on XX/XX/2020 at around XXXX XXXX  XXXX ( also the complaint number ) about the missing {$760.00} and {$120.00} payments. She advised me they have no record of the payments and put in a complaint for investigation with the company.
Product: Credit reporting or other personal consumer reports

I have made a settlement with the credit cards a few years ago and still appear on my record that is affecting my XXXX XXXX. I would like to remove these settlement from my record. It has been about XXXX years since I did it.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud accounts on my credit report. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediate. 


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

I've contacted the Company that is holding my account " Berlin Wheeler '' multiple time this month XXXX XX/XX/XXXX. I've also been contacting XXXX XXXX on behalf being the company that submitted my account to collections. I spoke to a representative from XXXX and my account was never supposed to go into collections. Berlin Wheeler on the other hand wants to hold my account and will not remove it from my credit report because there saying they don't have the capability even though they do. Now I've spoken to XXXX and they are submitting a courtesy deletion to Berlin Wheeler to remove the account from my report. I believe Berlin wheeler will not remove it and want to hold my account just because they can and it is very frustrating. I've submitted disputes to all three credit holders XXXX, XXXX, and XXXX. XXXX investigated it and removed it from there end, now XXXX updated my information but didn't remove it. Why would XXXX remove it but XXXX not. I am currently trying to buy my first home and need this removed from my credit report so I can qualify for my home. I've had this account paid off since XXXX. Please help me.
Product: Credit card or prepaid card

I opened a new Discover Credit Card account in the spring of 2019 because of their Cashback Match promotion.I have asked several times to have my limit increased, but they have limited my credit allowance to $4,700, while the card in my husband's name has a limit of $XXXX. This seems to be SEXUAL DISCRIMINATION. I have a FICO score of XXXX, as does he. There is no justifiable reason for the difference in credit limit.My husband & I have had joint credit card accounts with Discover for at least 20 years. We also have a joint Discover Savings & Checking accounts with $32,000+ balance, and own 2 homes and 3 cars with no mortgages or any kind of loan. We pay our bills in full, on time every month.We should be treated like valuable customers, but at this point, we are not being treated that way.
Product: Checking or savings account

XX/XX/XXXX, I deposited my payroll check into the ATM machine at Chase bank in XXXX XXXX. The machine took my check and failed to credit my account. I immediately called the chase customer service line as the deposit was made after bank hours. They representative said they would investigate the deposit. I received a conditional credit and a month after the credit was reversed.

I contacted Chase again this tune with both the claims supervisor and physical branch location rep on the phone. Neither would help. I was told that the machine is not managed by the bank but a third party and they could not physically check the machine. The claims XXXX stated they could not get a scan of the check so have no way of seeing the check image. I asked for camera to be pulled of which was told by the banker the cameras have limited visibility. The supervisor asked me to upload my check image onto Chases portal and they would reopen the case. I told them I could get my check stub of which I was told to do so. I uploaded the proof on the website and another week later called for follow-up. They said my proof wasnt enough and I should get the check reissued. Meanwhile, The bank has literally held my money for XXXX months. This reversal has caused overdrafts in my account. I requested they freeze the account while investigating so I would not incur further injury to my account and was told they couldnt do it. 

I have suffered severely as I live paycheck to paycheck and their dismissiveness about my check being held captive by their machine error has caused undue financial hardship. To date, XX/XX/XXXX I still do not have my money and my account is over drafted. The bank refuses to help or take responsibility for not servicing their machines properly or for crediting me back my payroll check. They put the burden on me to prove my deposit of which I complied and they refuse to remedy the problem even after providing them with what was asked of me. They are holding my money and I am powerless to get it back. Ive asked the company ( that I no longer work for ) to reissue but have yet to get assistance from them as well as they use a third party company ( XXXX ) to cut checks. I am told they can not tel me when I might receive another check. Therefore, I am highly upset that Chase could not resolve the error and mishandling of my money. My life has been completely inconvenienced and negatively affected by this bank error.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX XXXX XXXX Nevada I am a direct Express card holder. XXXX XXXX direct Express sent my debt card to someone in XXXX Texas. They stole $ XXXX and put my account $ XXXX have not had access to my account and still don't .Direct Express was supposed to send me a card I have not received one.

I tried calling direct Express there automated system said you're card has been mailed to XXXX Texas. Direct Express and Social security ha XXXX all my information My card should have not ever went to XXXX Texas. This was there mistake I should not be responsible for there mistake that got my money stolen, put my account $ XXXX my identity stolen. Direct Express is Responsible for this and why should it be put on my. account.They owe me $ XXXX take the, $ XXXX off my account. And there ain't nothing they can do to make it right about getting identity stolen. BUT I SHOULD NOT BE RESPONSIBLE FOR ANY OF THIS WHAT SO EVER THEY MADE THE MISTAKE AND IT WAS AGAINST MY ACCOUNT AND THEY STILL HAVE NOT GOT ME THE OWNER OF THE A CARD. THEY SHOULD HAVE TO CLEAN THERE OWN MESS UP THEY HAVE NOT DONE NOTHING TO CORRECT THIS ITS MADE ME PHYSICALLY SICK I CANT SLEEP. 
I NEED THIS CORRECTED. IM NOT RESPONSIBLE FOR THERE MISTAKES MY IDENTITY GOT STOLEN. 
SINCERELY XXXX XXXX
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 confidentiality under 15 U.S.C. 1681. 

XXXX. XXXX XXXX XXXX  {$450.00} Opened XXXX XXXX XXXXXXXX XXXX XXXX {$490.00} Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX 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, 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 reporting containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681 s-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.

Duty to correct and update information is incomplete or inaccurate, they must promptly correct or update the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A NEGATIVE ACCOUNT THAT WAS REPORTED ON MY CREDIT THAT DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF IT. IN NO WAY IS THAT ACCOUNT CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS NEGATIVE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Checking or savings account

In the fall of last year, Bank of America made me a " preferred '' member and started to charge me {$25.00} per month for checking. I did not agree to this fee. They just up and did it. I have two mortgages with the bank, two checking accounts and a savings account. I've been with the bank for over 15 years and have never been charged these fees. I was told I had to maintain a minimum balance in these accounts. Looks like they decided to change the rules in the middle of the game. 

Smacks of what XXXX XXXX did. 

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

Equifax failed to delete inaccurate and outdated personal information such as addresses and names on my consumer report. The letter was received XX/XX/22, pursuant to USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX. In the letter I contained a copy of my ID, Social Security Number, and a utility bill and a letter requesting to delete outdated personal information and update with current personal information.
Product: Credit reporting or other personal consumer reports

I was advised by a XXXX and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries in my report. These are the fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts have inaccuracies in terms of reporting, with incorrect amounts and dates.
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 verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
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 the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information appearing on my credit report includes : A personal credit card account opened at Capital One on XX/XX/XXXX. 
A lease account opened at XXXX XXXX  on XX/XX/XXXX. 
A lease account opened at XXXX XXXX  XXXX on XX/XX/XXXX. 
A lease account opened at XXXX XXXX  on XX/XX/XXXX. 
A lease account opened at XXXX XXXX XXXX on XX/XX/XXXX. 
Additionally, multiple fraudulent hard inquiries and collection accounts have appeared on my consumer credit report as a result of these fraudulent accounts. These accounts, inquiries, and collections were not opened, made, or initiated by me. They are all the result of identity theft and fraud. 

I have attached the following documents to support my claim : A copy of my consumer credit report maintained by XXXX showing the fraudulent items. 
A list of the fraudulent hard inquiries in question. 
A copy of an FTC Identity Theft Criminal Complaint confirming that these accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( Demand for Relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this complaint from my consumer credit file within four business days of receiving this complaint. I also request that all collection activities related to these fraudulent items cease immediately.

Please provide written confirmation regarding the resolution of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.