23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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

On XX/XX/2017 I received a notice from FIFTH THIRD BANK of an account overdraft. I was quite surprised because to the best of my knowledge all of the accounts I had at one time there had been closed and I have not received any communication ( either electronic, phone or post ) from them in the intervening YEARS until this notice. I went into the bank to discover that there were XXXX accounts ; XXXX checking for my then minor daughter who is now XXXX years old and XXXX savings account for her. When I sought to close the accounts I was told I had to make a deposit to each account to reactivate them before I closed them, and then come back. I did that. When I returned I discovered that the bank had been debiting XXXX accounts $ XXXX/month for at least two years -- maybe more, they would n't show me the records and I have no records of my own since I had closed the accounts ( or so I thought ). I asked for a refund of all the fees since I was never informed that ( 1 ) I still had XXXX accounts open ( 2 ) they were being charged monthly -- which would substantiate the fact that I did n't know they were still considered " open ''. The bank manager wrote his regional supervisor who approved refunding only $ XXXX/account, and yet I know that the accounts were charged in excess of $ XXXX/each, I do n't know the exact amount because I do n't know at what point they deemed them dormant and started charging the accounts. The savings account was my daughter 's birthday money, I thought at the time she could save it and perhaps make a little interest, as I did as a child. It never occurred to me that they could take her money away bit by bit. As it stands, I have no clear idea how much money was in the accounts before, and therefore I have no idea how much they actually owe my daughter/me beyond the remaining {$460.00} in the savings, they cleaned out the $ XXXX+ that was in the checking which is what triggered the overdraft letter.
Product: Checking or savings account

My boyfriend and I went on a XXXX XXXX cruise from XX/XX/XXXX to XX/XX/XXXX. I had lost my XXXX XXXXard ( As described on the XXXX XXXX website ; " An Onboard Expense Account, also known as your XXXX  onboard account, is the cashless system used for all onboard purchases and services. Depending on your ship, XXXX cards are handed out at the pier or will be in your stateroom waiting for you. The account can be set-up with either a credit card, debit card or as a cash account during check-in or at the pier. You can also add guests from your stateroom or another stateroom as authorized purchasers on your account. For each purchase made onboard the ship you will receive a receipt. A preliminary statement will be delivered to your stateroom on the day prior to the final morning of your cruise vacation for your review. A final statement will be e-mailed to you shortly after departing the ship on the last day of your cruise. If you set up your account with a card, shortly after departing the ship on the last day of your cruise, XXXX XXXX XXXX will automatically post the final charge to your card on file. Guests on a cash account will need to settle their statement onboard prior to disembarking. '' ) In other words, whenever I used my XXXX card, my debit card would be charged. The worst part about this is there is no pin or other security in place. Anyone can swipe the XXXX card and Id get charged. This is exactly what happened with me. I lost my XXXX card on the ship and while my boyfriend and I attended a shore excursion, someone found my XXXX card and charged {$1200.00} to it. Chase even sent me a text message asking if it was fraud. I responded with yes it was, so they closed my account and sent me a new card and I wasn't charged. XXXX solved right? Nope. On the last day of my cruise when I was leaving to go home, they said my bill had to be settled. They wouldn't let me off the ship. So I had to willingly ask them to charge the {$1200.00} again b/c they threatened to contact the authorities if i didn't pay. It was the last day so guest services refused to investigate. This was fraud. Plain and simple. When I opened a case, Chase coded it with an incorrect reason : " the card was charged more than once ''. NOT fraud.. so the dispute was revolved around that fact and they saw my card wasn't charged more than once ( i knew that, that wasn't the issue ) and they closed the dispute. The agent who initiated the claim did not do their job correctly and now I am being penalized. please help me.
Product: Credit card

On XX/XX/XXXX, I used the " send & split '' feature in the American Express ( Amex ) app to request {$930.00} USD from my husband through XXXX. My husband accepted the request which transferred the money from his XXXX to my XXXX. XXXX XXXX automatically transferred {$930.00} to AMEX and it was properly credited to my AMEX account from XXXX on XX/XX/XXXX. ( XXXX Transaction ID : XXXX ). This is how the send & split feature is supposed to work. 

However, in an email correspondence from XXXX on XX/XX/XXXX XXXX from XXXX stated the following. " In XXXX, XXXX had some technical issues where some transactions were duplicated. '' Due to this technical issue, on XX/XX/XXXX the request for {$930.00} was duplicated to my husband 's XXXX account and he responded to the request, thus withdrawing another {$930.00} from his XXXX which was successfully transferred into my XXXX account as verified by XXXX Transaction ID : XXXX. As soon as the money entered my XXXX account it was automatically transferred by XXXX to AMEX under XXXX Transaction ID : XXXX. However, this money never was credited to my AMEX balance. Therefore, I am owed {$930.00}. 

I contacted XXXX on more occasions than I can count to resolve the issue. Upon review of XXXX XXXX Office of Executive Escalations in an email on XX/XX/XXXX they stated " XXXX successfully sent the {$930.00} USD payment to your external wallet AMEXP2PPASS ending XXXX. '' I asked XXXX to clarify what this AMEXP2PPASS account was, as it did not match my AMEX account number. XXXX 's response on XX/XX/XXXX stated : " The account ending in XXXX is AMEXP2PPASS. This is an external wallet with American Express. XXXX does not own that account and can not provide instructions on how to access it as it would be with American Express. '' Upon requesting more information on this account on XX/XX/XXXX XXXX stated : " Due to the privacy and security of our customer accounts we are unable to see the full account number. However the last four are XXXX. '' Followed by the statement " We successfully sent the money to the account mentioned above and we do not have the funds in our possession. '' I then contacted AMEX on various occasions to resolve the issue. AMEX requested the following information : " If you paid with a non-American Express online account/third-party vendor or bank/wire transfer, please send a transmittal form, which you can obtain from your financial institution. The transmittal form should include the bank routing and transit numbers as well as the American Express account number to which the money was credited. '' When I contacted XXXX to obtain such information their response was : " As XXXX is a payment platform, we do not have a routing number that we can share. We only act as a medium through which transactions can be processed. '' I shared this information with AMEX and I uploaded all the correspondence I received from XXXX to help clarify the issue. Yet, AMEX closed my case three times with no outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX XXXX  : XXXX Misleading false reporting unverified/inaccurate date last active and date open list XXXX. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX XXXXXXXX : XXXX Misleading false reporting unverified/inaccurate date last active and date open list 3. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation 4. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX XXXX XXXX XXXXXXXX Delete account for failure to perform an investigation per fcra regulation
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

18 U.S.C 8 : The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also 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 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.

15 U.S.C 1666a : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S.C 6801a : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S.C 6802a : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S.C 6802b : Opt Out
Product: Debt collection

I have received a high number of calls from this debt collector. I have requested they send me documents advising what is owed and requesting a statement more than once. I've checked my mail and never received anything. I verified my mailing address and they have it correct but keep calling to get payment. I advised i would call them back once i receive the statement to set up a payment plan and they just keep calling my personal phone. Now they have gotten in contact with my employer, called numerous times and i have management looking at me differently and advising i shouldn't be taking personal calls on a work phone.
Product: Debt collection

I called to validate the collection as well as to see why they are contacting me about an amount that has been written off.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$7600.00} XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX XXXX  Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Far CredIt Reporting act. The List of accounts below has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

# XXXX, XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX # 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 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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX Balance {$XXXX} XXXX XXXX  XXXX Balance {$XXXX} XXXX XXXX Balance {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm concerned with Equifax 's security leak, especially because sources now say that it was due to a 9-year-old security flaw.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX XXXX XXXX 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX. XXXX XXXX : Account number : XXXX XXXX. XXXX XXXX XXXX : Account number : XXXX XXXX. XXXX XXXX XXXX : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX XXXX  at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

On XXXX XXXX 2016 at XXXX I received a call from a XXXX. She introduced herself just that plainly. She was very casual and stated " Hey this is XXXX can you talk? '' To which I replied " yeah what 's up? '' Thinking I was talking to one of my friends named XXXX that was in need. This particular XXXX then confirmed that she represented National Credit Adjusters and proceeded with confirming my address. She spoke very quickly so I asked her to repeat who she represented. I then ended the call out of intimidation and did not wish to handle my account with a representative that works in a fecious manner as such. The next day the same XXXX called in a casual fashion this time failing to tell me who she represents and the purpose of the call. On this call, after telling me her name she immediately asked why I hung up on her the day prior. I was about to ask her if her conduct was legal but stopped myself and explained to her that I can not afford to make a payment at this time and would appreciate her to cease her calls. Which was a untrue statement but made under pressure. XXXX proceeded to chuckle laugh on the phone after that and apologized for trying to help in a sarcastic tone before hanging up. Neither phone call did XXXX properly introduce herself nor was I given a disclosure of the purpose of the call before proceeding that is standard. I do anticipate making a payment to avoid this collection going to the credit bureaus as I have done in the past. Because of such unprofesisonalism, I failed to have the opportunity to tell the agent that I have recently lost my job and am actively seeking full time employment. I take my credit very serious as a victim of child identity theft in the past and would appreciate a more mature handling of my debts/secure information than what was received from XXXX from National Credit Adjusters/XXXX ( Caller ID name ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/XXXX and XX/XX/2023 and again it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
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Product: Debt collection

I do not recognize this that I do not hold this amount of money to anyone
Product: Credit card or prepaid card

On the evening of XXXX XX/XX/2021 I tried to make a purchase from XXXX, a computer hardware parts company. The item was a NAS ( network attached storage ). After going thru a lengthy selection process, which compared : capabilities ; availability and price a item was selected and placed in the XXXX website cart, credit card and shipping information was entered and the deal was done, or so I thought. Checking my email, I saw a note from XXXX that my credit card was declined, and suggested I enter a different card, which I did. It was not clear if the second card was also declined, or if the information from the first card was persistent. I contacted the second card issuer first, XXXX XXXX, since I was sure there was no chance on being near the credit limit and was told ( from their fraud division ) that for my protection the charge was declined since I hadnt ordered from that company in the past. I then contacted the first card issuer, comenity bank and was first told that the purchase was approved by comenity bank, but rejected by XXXX, and that the decision was between XXXX and XXXX. XXXX gave me a number to XXXX, instead of connecting me to XXXX it transferred me back to XXXX bank who now ckaimed they actually declined the purchase based on their hunch. I was not able to make the purchase, and the effort to research the best product was lost.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. They also took the balance from my account after stating that after 180 days they said it would be released back to me. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX