23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was a with COMENITYBANK/XXXX  customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Checking or savings account

I am reporting this transaction because Bank of America failed to protect me from an unauthorized scam via XXXX. XXXX denied my claim and Bank of America did the same. This person was claiming to be a XXXX  who is a member of a XXXX basketball team. He was accepting donations for XXXX and water. In an attempt for me to give him {$2.00} via XXXX for a XXXX he grabbed my phone and said he would put in the info for me. I asked him forcefully to give my phone back and he ran off with it along with access to all of my personal pin # s as well as cards and license. After he stole my phone, another person attempted to help me fund where he ran off to. We then located the tossed phone on the side of a building. When I opened up my XXXX  to see what he did. I saw that he sent his theifing self {$1300.00}. I would NEVER GIVE ANYONE THAT MUCH MONEY. IM A SINGLE MOM WHO JUST XXXX  TWO RELATIVES IN ONE MONTH! They even failed to investigate that ANYTIME I SEND MONEY VIA THIS XXXX  I ALWAYS PUT A REASON AND WHAT THE FUNDS ARE FOR! This transaction was just sent with no description. Who would send that much money and not put a reason why!!! Yall let him steal {$1300.00} from me a trusted customer, without proper and appropriate investigation stating THAT I AUTHORIZED IT!! WHEN MY PHONE WAS STOLEN FROM ME!!! I AM SICK TO MY STOMACH. I Immediately reported the activity to you all as well as IMMEDIATELY requesting for this fraudulent user to refund my money. BANK OF AMERICA FAILED TO PROTECT ME AND DID nothing to truly investigate this CRIME!!! I HAVE FILED A POLICE REPORT AND AM NOW FULLY SEEKING LEGAL RECOURSE. I am in process of eviction because due to this failure to make this individual responsible for committing this sickening crime against me. I am about to be on the streets because of insufficient funds to pay my bills. This is wrong and unethical to not trace his transactions with what he did with MY MONEY to prove that he committed a crime. You can probably see that he immediately moved the money out of the account to avoid you all coming back to claim on my behalf. XXXX and Bsnk of Americas investigative team are knowingly denying fraudulent claims to keep from paying out people like me who are actually being scammed on this app. I've NEVER made a report of scam, but my claim was denied as if I'm lying. I'm insulted and sick to my stomach, sleeping in my car as we speak. This is horrible, and at this point I truly wish that both companies would do the right thing.
Product: Bank account or service

On XX/XX/2016 we made a deposit to our checking account through the ATM that should have covered another check we knew we would be writing later that day. Our deposit slip from the local ATM branch DOES NOT state funds will be withheld or not immediately available at the bottom. The following day, I have an overdraft fee on my account that I can not understand. Online banking register shows the deposit being made several line items BELOW where the other check was processed, yet I am charged. Both transaction dates state XX/XX/2016 online and deposits are considered before withdrawals. In speaking with a bank rep over the phone, I am informed that online banking will display deposits on the date they are initiated and NOT necessarily when they are available. He offered to mail me a pamphlet explaining PNC deposit policy. My complaint? If PNC would instead make it crystal clear to their customers by displaying these deposit transactions by the processing or availability date instead of the initiation date ( most people know when they make deposits anyway ) many customers would then be able to correct these issues or modify their deposit methods. They could also consider displaying the " These funds are not immediately available '' clause at the bottom of ALL printed receipts instead of a select few further confusing the customer ... of course, PNC would lose money ... so ...
Product: Debt collection

XX/XX/XXXX, XXXX My spouse reached out to IC System concerning an account on my credit report and spoke with a representative named XXXX XXXX XXXX After confirming my information, my spouse requested documentation regarding the debt. The representative informed my spouse that XXXX had already sent the documents back in XXXX. My wife asked which address were they sent to. The representative provided an outdated inaccurate address where they were supposedly sent. My spouse corrected the address, but the representative insisted for my wife to mail a request to IC System in order to obtain the documents. In addition, neglected to mention our right to dispute the debt.
Product: Credit reporting or other personal consumer reports

A payment was made to payment XXXX  in XX/XX/2022 for {$1400.00} for payment in full. I have a copy of the cleared check. The account still appears on my credit as unpaid. I have made several calls and filed disputes with the bureaus to which they reply it is unpaid. I have sent copies and they still refuse to remove this account. Clearly a violation of the FCRA, not to mention the attempts to collect on a debt paid 2 years ago. I would like this completely removed from my credit as it now has caused issues with my score and prevented me from obtaining other new lines of credit and as a young professional now is the time for me to be building my credit
Product: Credit card or prepaid card

In a nutshell, I was the victim of an XXXX scam where I ordered a custom suit of armor from a vendor in XXXX in XXXX of last year. Within weeks of the purchase, the seller sent a keychain, which they acknowledged was a XXXX  that was sent to see how long it would take to get to me. At this point, I had not sent my measurements or purchased a gauntlet upgrade, so in XXXX, I purchased gauntlets after they confirmed they received my measurements. I kept in communication, realizing a custom order takes time. In XXXX, they said they were in lockdown. In XXXX, they said the armor was nearing completion. In XXXX, they said it would be completed in 4-5 days. Then, they ceased all communication. I opened a case in XXXX, realizing that this could be a scam. PayPal credit issued me a check for the armor and gauntlets at the end of XXXX. I had paid off my entire balance to PayPal credit in XXXX, but at the end of XXXX, PayPal Credit added the {$580.00} for the armor  to my balance, saying that the buyer had provided a tracking number for the item ( the keychain! ) and that I was now responsible for paying it off. I have been back and forth with them several times since then, providing copies of convos with the seller that plainly show I never received the merchandise. Anyhow, PayPal Credit is saying I owe this money, with each response being slightly different, such as making efforts to return the item or contacting the seller, both of which involve a response from the seller, who continues to ignore my emails. While I continue to dispute, it will soon go into collections. 

I'm looking for someone who might be able to help me with this matter as my own efforts seem to not have any effect. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint as a follow up to the previous Complaint I submitted requesting the deletion of the fraudulent accounts and information of of my Credit File. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I need the following items removed as soon as possible : XXXXXXXX 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 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 XXXXXX/XX/XXXX. Please comply with the FCRA section 605b, and have the disputed items removed as soon as possible. If you can not find any documents to support the invalid claim that the disputed items belong to me, please remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act the following accounts have violated my rights. 1. XXXX  XXXX Account Number XXXX in the amount of {$440.00} 2. XXXX XXXX Account Number XXXX in the amount of {$4800.00} 3. XXXX XXXX  XXXX Account Number XXXX in the amount of {$840.00} 4.XXXX XXXX XXXX XXXX in the amount of {$1400.00} 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 an account without my written instructions Please do not close this case until results are completed, company has not been doing sufficient investigations.

I am distressed that you have included the information above in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. EVERY STEP must be taken to assure the information reported is completely accurate and correct. Please do not write this off, and please provide evidence in the form of documentation proving that these accounts belong to me.
Product: Vehicle loan or lease

They came got my car Im falling chapeter XXXX total Federal laws
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$5800.00} XXXX XXXX - XXXX - {$810.00} XXXX XXXX XXXX - {$0.00} Late Payment XXXX XXXX - XXXX - {$140.00} XXXX  XXXX - XXXX - {$130.00}
Product: Debt collection

Try contact customer service would n't take care of my matter about remove this negative item from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry from XXXX XXXX XX/XX/23 isn't mine Credit inquiry from XXXX XXXX on XX/XX/23 isn't mine Credit inquiry from PNC on XX/XX/23 isn't mine Credit inquiry from XXXX on XX/XX/23 isn't mine
Product: Credit card or prepaid card

See attatched XX/XX/XXXX statement. Kindly Note Merchants credited {$120.00} XXXX XXXX {$210.00} XXXX total {$340.00}. Balance left {$470.00}. See attatched FRAUD CLAIM INVESTIGATION RESULTS ** I DID NOT REPORT THIS AS FRAUD. see XX/XX/XXXX statement. NO USAA CREDITS. XX/XX/XXXX USAA REVERSED {$210.00} XX/XX/XXXX not usaa credits. See statement. NO USAA CREDITS. These are merchants credits. See attatched XX/XX/XXXX FRAUD FRAUD CLAIM INVESTIGATION RESULTS ** I DID NOT REPORT THIS AS FRAUD see XX/XX/XXXX Statement. NO USAA CREDITS USAA REVERSED {$120.00} XX/XX/XXXX XXXX XXXX CREDITS. These were merchants NOT USAAs. See attatched REVIEW OF YOUR CLAIM IS COMPLETE XX/XX/XXXX NO FRAUDULENT ACTIVITY FOUND ( USAA **STEALS MERCHANTS CREDITS ** CLAIMING THEY ARE USAA CREDITS. ) USAA REVERSED THOUSANDS OF MERCHANT CREDITS ON THIS ACCOUNT THEY CLAIM NO FRAUD OCCURRED and USAA OPENED THIS ACCOUNT VISA XXXX ** WITHOUT MY KNOWLEDGE OR PERMISSION. FTC ID Theft case XXXX. USAA COMMITS ID THEFT USING MY OLD SECURE DATA FROM MC end XXXX NEVER CLOSED XX/XX/XXXX DEBT DISCHARGED. 1099-C DOCUMENTATION. upon request.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Below are the accounts that I am disputing : XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Wakefield & Associates claims to have verified the account, on my credit report the account says meet fcra requirements, however, XXXX is missing, XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. The date should reflect the date a last payment was made and should be accurate across each bureau as there is only one furnisher They have failed to correct The inaccurate information This is an FCRA violation as the accounts are suppose to report maximum possible accuracy. I have sent the bureau tons of letters addressing this issue as well as Wakefield & Associates.
Product: Checking or savings account

Regions Bank XX/XX/2017 took {$2500.00} that was legitimately mine closed my account couldn't give me an explanation only said it was someone higher up. I went in throughout the day to speak with the bank XXXX as he watched my total balance start from {$2500.00} down to negative throughout the whole day and tried to help me get access to my funds which in turn they frozen my account with zero explanation. I had zero charge backs nothing wrong with my account. But they put me at- {$780.00} and in turn it got me in bad with trying to get a bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquires are fraudulent and unortharized I have no clue as to why they are on my credit. Someone pretend to be me and tried to sign up for things. 

- XXXXXXXX XXXX XXXX  inquiry ; XX/XX/XXXX - XXXX XXXX XXXX  inquiry ; XX/XX/XXXX - XXXX inquiry ; XX/XX/XXXX navy federal credit union inquiry ; XXXX XXXX theses inquires are on both my XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : **Creditor/Collection Agency Name : XXXX XXXX XXXXXXXX XXXX Number XXXX XXXX XXXX : $ XXXX **Date of Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
15 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 
15USC 1681a @ ( A ) ( I ) Exclusions- except as provided in paragraph ( 3 ), the term consumer report does bot include -- ( A ) Subject to section 1681s- 3 of this title, any I demand the following accounts be verified or deleted immediately. 

XXXX XX/XX/XXXX late payment reverse XXXX XX/XX/XXXX please remove XXXX remove account inaccurate information not on all XXXX XXXX XX/XX/XXXX remove account XXXX XXXX late payment reverse all 4 of them Inquiry ; XXXX XX/XX/XXXX Inquiries remove XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I disputed items inaccurate on my credit report. Mainly debt not owed, or duplicated debt that shows paid off, and new debt from the same company appeared almost a year later. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc. I argued that you need proof that someone owes a debt before you ruin their credit and their life by placing fraudulent debts/ accounts on their credit report. Their verification per them was name address, dob and statement showing charges. This is not proof of a debt owed the company said that they verified my name and address etc, so its considered valid. They explained that I could not dispute again with in two years unless I could provide some sort of additional information than what I already provided. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency to report this as valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around  XXXX   XXXX ,  XXXX  I was notified by Bank  XXXX   XXXX  that Experian had posted a collection notice to  XXXX   XXXX  for a medical bill from  XXXX   XXXX  from  XXXX   XXXX  who has since closed   XXXX   XXXX   XXXX   and left the area. There was a bill for {$72.00} outstanding?  Two ot her charges from the clinic where covered.     After contacting Experian and  XXXX  I was told they had sent any letters to me of which I never received. After MANY hours searching I found out the  XXXX ,  XXXX  and Experian HAD T HE WRONG STREET AD DRESS LISTED FOR ME!     I paid the bill and fee with  XXXX  on  XXXX ,  XXXX ,  XXXX  for {$73.00} on the phone with a Check electronically with my  Credit Union.       XXXX   XXXX ,  XXXX  I filed a report  XXXX  with Experian and  XXXX  and having my address corrected and was told by both that this collection would be removed and my  Credit Score  would be CORRECTED. Experian still shows it has DROPPED FROM  XXXX  TO  XXXX  WITH A FAIR RATING?
Product: Debt collection

XX/XX/XXXX TO : Whom it May Concern FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, MI XXXX XXXX XXXX, MI XXXX RE : Fraudulent Misconduct by Collections Company XXXX XXXX XXXX XXXX Case # XXXX, XXXX XXXX File # XXXX Plaintiff : Capital One, Case # XXXX P.O. BOX XXXX XXXX, MI XXXX ( XXXX ) In Reference to previous CFPB complaint 's # s XXXXXXXX & XXXX The Fraud and Misconduct continues by XXXX XXXX XXXX XXXX! This is with regards to information obtained from the Plaintiff, Capital One. See included letter from Capital One stating that on XX/XX/XXXX Capital One was issuing a Cease and Desist and stopping all collection efforts and closing the account with XXXX XXXX XXXX XXXX which SHOULD have filled a Garnishment Release shortly after! The Garnishment Release was only filled almost 5 months later AFTER I first filled a complaint on XX/XX/XXXX! Since then XXXX XXXX XXXX XXXX has, according to the Michigan Department of Treasury collected a state tax refund of {$520.00}. 
My complaint is that if XXXX XXXX XXXX XXXX had filled the Garnishment Release in a timely manner neither the complaint on XX/XX/XXXX not this one would not have had to be filled! I tried reaching out to XXXX XXXX XXXX XXXX by telephone and was only questioned regarding resoling this account! 
The resolution I would like ( Expect ) to see is the return of the full amount ( {$520.00} ) of the Michigan Income tax refund Garnished to myself, since the Garnishment should have been released months earlier AND that XXXX XXXX XXXX XXXX be warned about the Misconduct in their business model and Law Firm handling of issues in a Timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on credit report. FTC violation
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account Name us dept of educatio Account # XXXX, Account Name us department of edu Account # XXXX, Account Name XXXX XXXX XXXX  Account # XXXX, Account Name us department of edu Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX Account # XXXX, Account Name us dept ed Account # XXXX, Account Name XXXX Account # XXXX, Account Name us dept ed Account # XXXX, Account Name us dept of XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name us dept of edXXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, has violated my rights.

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
Product: Bank account or service

I was trying to claim a fraud with Wells Fargo - my bank and they would not assist me. 
I have deposited a check on my account and month later the money was withdrawn from the account and returned to payee. I was explained that the money was deposited XXXX, XXXX deposit was in XXXX. I do n't have an account and I feel that this is a fraud. The payee does n't want to act as money went away once and my bank does n't want to investigate this case further.