23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

I want my accounts to be validated as I have the right to do so, there is a letter of explanation enclosed
Product: Credit card

I was contacted via email by my American Express card company regarding an internal review being conducted on my finances. I have been an AMEX holder for 27 years, not ever missing payments. AMEX emailed me form XXXX requesting access to my 2015 IRS information ; AMEX is concurrently gathering information from the XXXX credit verification services. Meanwhile, they have frozen the account, while they still go ahead and collect my most recent payment. I have never heard about a card company requesting personal tax information and I find this an unacceptable invasion of privacy especially since I offered to provide them with pay stubs in lieu of releasing tax info. I have nothing to hide from a tax standpoint, I just do not believe that AMEX or any other card issuing company has the right to access that information. 
I have 14 days to respond to the request of completing the form. The language used in the email is outright threatening ( please see below ) : " If you fail to provide the documents required within 14 days of the date of this letter, we may take additional credit actions up to and including cancellation of your account ( s ). 
We have placed a restriction on your account ( s ) and no further charges will be allowed until this matter is resolved. ''
Product: Debt collection

PLEASE SEE ATTACHED DOCUMENTS FOR VIOLATIONS Pursuant to 15 USC 1605 ( a ) the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. Cash should not be included in a finance charge it should be all credit INTERCONTINENTAL CAPITAL GROUP has taken over {$120000.00} in federal reserve notes as a downpayment and many other fees Pursuant to 12 U.S.C 83 No national bank shall make any loan or discount on the security of the shares of its own capital stock which proves the alleged loan was paid for when I provided signature and social which makes any commercial paper a security ( Money ). Adding on INTERCONTINENTAL CAPITAL GROUP has not included insurance under 15 USC 1605b ( 1 ) which should have been included in the finance charge which makes them criminally liable under 15 USC 1611 for taking downpayment many other fees and not including my insurance in the finance charge. They Are also Civilly liable and mus return twice finiance charge
Product: Prepaid card

I received a {$50.00} Vanilla gift card yesterday, but when I tried to make a purchase on XXXX, it was declined. I attempted a different purchase, but it was also declined. I tried to call customer service, but I only encountered automated responses, and none of their advice was helpful or useful. Additionally, there's no helpful information on their website that could assist me in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2019 I received an email that I had a new credit inquiry on my Experian report. According to my alert and my report, this inquiry took place on XX/XX/2019. I have NOT applied for new credit in the past year. This is a FRAUDULENT unauthorized inquiry.
Product: Credit card or prepaid card

I checked my Wells Fargo online account today and noticed that it showed a {$290.00} balance but {$0.00} available credit. I have a {$1000.00} credit line on this card. I checked my posted transactions and saw that 2 recent payments had posted to my account ( {$360.00} on XX/XX/XXXX and {$410.00} on XX/XX/XXXX ). I emailed Wells Fargo immediately and was told that these payments were " on hold until XX/XX/XXXX and XX/XX/XXXX '' as I had made " too many payments '' to my account this month. Another check of both my Wells Fargo account and my bank accounts showed that not only does my Wells Fargo show these payments as posted, but my Bank accounts show the money as having been withdrawn from my bank accounts on XX/XX/XXXX ( the {$410.00} payment ) and XX/XX/XXXX ( the {$360.00} payment ). In addition, I received my most recent billing statement from Wells Fargo via email on XX/XX/XXXX showing a balance of {$370.00}, which obviously includes the payment of $ 400+ that I had made on XX/XX/XXXX. Lastly, that billing statement has a due date of XX/XX/XXXX that I would not be able to pay on because I have " paid too many times. '' Quite frankly, I feel as if I have been robbed. Am I being charged interest on these non-payments? The money was taken from my bank accounts but is somehow not being paid towards my credit card. Yet, it is SHOWING as being paid towards my card when I check my account. But, Wells Fargo says it isn't. So, the payment is being posted according to them but it isn't being posted? Also, will I be penalized for going over my credit limit when I have nearly {$700.00} before I reach my limit? This is ludicrous.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the XXXX major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/2019 Amount : {$330.00} I got a response from the credit bureaus specifically XXXX  saying that the disputed account has been deleted. I have checked in the credit monitoring that I'm paying for and the account is still there. It is not deleted. This is my fifth time disputing this account with them and I keep getting these inaccurate, unfair responses. This account is not accurate because I had insurance. This was billed in error.
Product: Credit reporting or other personal consumer reports

Money Lion reported a late payment on my credit report Please remove it from my credit report. 
I am hereby notifying you that the account on file is incorrect and I have not given money lion permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter.
Product: Checking or savings account

So I purchased a product from a company through PayPal XX/XX/XXXX. I also told them i needed the product before XX/XX/2019. So when delivered they never left the package and I was told I couldnt pick it up. Then I was told they would leave the package the second time but they never did. The package was sent back and I never received my money back.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

1. XXXX XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

2. XXXX XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

3. XXXX XXXX XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

4. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

5. Inquiry from XXXX XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

6. Inquiry from XXXX XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

7. Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

8. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

9. Inquiry from XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

10. Inquiry from XXXX XXXX , XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

11. XXXX XXXX , XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b., 12. XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

13. XXXX on XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

Please reinvestigate these matters and delete the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Again I am asking for the following items to be removed and deleted from my file they are due to identify theft I never had any account with this company Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Please remove all these fraud accounts please. I never had a auto loan with XXXX when I reach out to them they said it was a business account and can't give me any info I never had a business please removed
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my disappointment with the initial attempt made to remove fraudulent items from my account. 

Unfortunately, the initial attempt to address this issue has been inadequate. Despite providing all necessary documentation and details to support my claim, the resolution process has been slow and ineffective. The fraudulent charges remain on my account, causing me considerable stress and financial burden. 

As a loyal customer, I expected a more efficient and proactive response from your company in resolving this matter. The failure to promptly remove the fraudulent items from my account has not only compromised my financial security but has also eroded my trust in your company 's ability to protect its customers from fraudulent activity. 

I urge you to take immediate action to rectify this situation. I request that you expedite the process of removing the fraudulent items from my account and provide me with clear communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the inconvenience and distress caused by this oversight. I trust that you will handle this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution promptly. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$710.00} XXXX XXXX  XXXX XXXX : {$1200.00} XXXX XXXX : {$2800.00} XXXX  XXXX : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX XXXX : {$1200.00} XXXX XXXX : {$700.00} XXXX XXXX XXXX : {$1000.00} XXXX  XXXX Balance : {$2800.00} XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$700.00} - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, my Bank of America account was hacked, resulting in an unauthorized transaction of {$500.00}. I promptly reported the incident to the bank and provided all necessary documentation, including a police report and a phone report from XXXX. Despite this, my claim was denied multiple times. After contacting the Consumer Financial Protection Bureau on XX/XX/XXXX, Bank of America reimbursed the {$500.00}. 

However, I am still waiting for reimbursement of {$450.00} from two unauthorized XXXX transactions. The first transaction, XXXX payment to XXXX XXXX, has a confirmation number of XXXX. The second transaction, XXXX payment to XXXX XXXX, has a confirmation number of XXXX. I have provided all required documentation and have not received a resolution for these transactions.
Product: Credit reporting or other personal consumer reports

Hello to whom it may concern, have sent in dispute letters but some have not came back as corrected after 30 days, during covid I faced financial hardship and now want to remove all late payments from my credit report during the time period considering the FRCA. 
Below is my attached dispute letter sent to all XXXX bureaus. 

I am writing to dispute the following information that appears on my XXXX, XXXX, Transunion report from XX/XX/XXXX : XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 
XXXX  XXXX Dates in need of correction : XX/XX/XXXX, XX/XX/XXXX. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$670.00}. 
XXXX XXXX Dates in need of correction : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1900.00}. 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 16815-2 ( a ) ( 1 ) ( F ) of the FCRA - you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as ''an agreement to defer 1 or more payments or forbear any delinquent amounts ''. 

That being said, [ demand that all late payments reporting late on this account be updated to Paid as agreed, never late, and the account report as current. If you neglect to update this information, I will promptly file a CFPB complaint. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 


I personally signed and sent this letter. Sincerely, XXXX XXXX
Product: Checking or savings account

Re Account # XXXX at BB & T Bank BB & T Bank has refused to close my deposit checking account and has charged service fees even after a written request to close the account was submitted. BB & T further will not allow me to withdraw funds from the account using bill pay, debit card, or check. 

On XX/XX/19, I sent a message to BB & T Bank via their secure online message center. The message stated " Hello. I'd like to close my BB & T deposit checking account : XXXX. Thank you, XXXX XXXX. XXXX. '' They have refused to close the account. 

On XX/XX/19, the account still hadn't been closed and I was assessed a {$12.00} " MAINTENANCE FEE. '' I followed up again asking that BB & T close the account and reverse the fee since I'd submitted a written request to close the account five days earlier. They refused to reverse the fee and again refused to close the account. 

I've since followed up multiple times asking that the account be closed and that the matter be escalated to a supervisor for resolution, but they have continued to refuse to resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, J.P Morgan Chase Account # XXXX and Acctount # XXXX, has violated my rights. 

15 U.S. Code 1681 section 602 A. States i have the right to privacy.

15 U.S. Code 1682 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as last for ANY purpose
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I reported to Citibank that I was scammed. I explained that I received a text from XXXX saying they were from the company XXXX and that they were refunding me for an item I returned which I purchased from XXXX. However, the amount of the refund was incorrect. I googled the number for XXXX XXXX customer service and got XXXX. I called and was told they would refund the correct amount instantly and did not have to wait 7-10 days because they were going to send it instantly to my bank. The representative had me install an app that allowed him to see my phone and guided me to set up a dummy account on XXXX. He said I would need to enter a code using XXXX and to send this code to this dummy account. The dummy account name was XXXX. The code was XXXX. Then I was asked to enter XXXX. It turns out I was sending funds to this account and that I was not speaking to XXXX. The text was encrypted in a way that when I XXXX  the 800 number for XXXX, I took me to theses scammers instead. When I realized I was scammed, I hung up and called Citibank. It took a while to get a representative on the line. I tried to get Citibank to cancel these transactions, but the representative said it had already moved out of my account. The scammer called me back from a XXXX number six times. I picked up once and told them I was calling my bank. He insisted that he was not taking my money and that he was on a recorded line and did not want to lose his job. Then he texted me telling me that the bank would not give me a dime because the transactions were still pending. Then he texted that I had only 5 minutes to get the refund. I am attaching a copy of these text. 

I filed a claim with Citibank, who gave me provisional credit for the transactions, but then they withdrew the funds back from my account stating that I authorized someone to conduct these transactions.
Product: Credit reporting or other personal consumer reports

I am reviewing my capital account and I give you some defaults on my credit report which are not correct. I want them to be corrected, please. According to the law, they say that the credit bureaus must be equal and the difference is that there is an error in my account. I need them to be corrected. corrected because I have paid point thanks capital one
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started monitor my credit using XXXX XXXX.This is when I noticed multiple credit inquiries that I didn't apply for. I have disputed them with XXXX and the companies several times. And they both refuse to remove them from my credit reports. And wouldn't send me proof that verify I did the inquiries. I didn't do theses inquiries. The inquiries are from the following companies : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SC XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I applied on my first Amex platinum card with a sign up bonus of XXXX. Got excited and was approved. I called them multiple times that if bonus of XXXX was true. Representatives confirmed it and i am eligible. Despite heavy annual fee and a spend of XXXX requirement bonus, i obliged to meet it after 3 months. I followed up with them and told me without a notice that i am not eligible for the bonus. 
I am devastated, i work hard for this bonus. I spend tons of money plus the heavy annual fee. I could have used my money and time with other cards if i wasnt eligible. I know for the fact that its my first time with the card to earn the bonus. Amex didnt even bother to email me after the escalation. 
I beleive i deserve that bonus legally and i have screenshots submitted to them that i could receive the bonus on my application. 
Hoping for the outside help.
Product: Debt collection

this compnay sent me information to verify debt and it si on my credit report
Product: Credit reporting or other personal consumer reports

I recently disputed inaccuracies on my credit report with Experian, and since then, obtaining a copy of my credit report has become challenging. Initially, they removed my current address, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which i did not dispute. After speaking with a man in customer service who appears to get upset with me, Following their instructions, I uploaded a copy of my driver 's license and utility bill via Experian 's upload feature. Despite this, they still have not updated my credit report with my current address, preventing both me and my creditors from accessing it.