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

In XX/XX/XXXX a balance transfer was made using a Citi credit card in the amount of XXXX. This was to pay off an existing balance with XXXX XXXX XXXX XXXX XXXX credit card ) The payment was reversed and XXXX XXXX said they never received the payment. I called and spoke to multiple different representatives all giving me a different story. The first lady I spoke with said the check was canceled because it had not been cashed within 30 days. I had asked her to reprocess the balance transfer but in a different amount of XXXX. This transfer was done correctly and the original one was processed again, even though i had told her not to reprocess. Even with the reprocess of the original payment XXXX XXXX never received it. I called back Citi again in XXXX of XXXX when I noticed the amount was back on my XXXX XXXX credit card statement. The person I spoke with did some research and found that Citi had my account number for XXXX XXXX  incorrect. I was told the balance would be credited back to my Citi Bank card in XXXX of XXXX but it never was. I called back and was told by another person the amount would be automatically deposited into my bank account within 3-5 business days, which I then gave him my bank account information. The funds were never deposited. I again called back and was told by someone else this payment was cashed and it was not their problem. I also did a 3 way call with both Citi and XXXX XXXX and went through my entire statement and they told Citi Bank they never received a payment for my account in the amount of XXXX. Citi Bank sent me a copy of the original check they claimed had been cashed. This was faxed over to XXXX XXXX back in XXXX. The payment again got reversed and is back on my XXXX  XXXX statement. I called them today XX/XX/XXXX and they told me the copy of the check I sent wasnt cashed by them and they did not receive the funds. At this point Citi Bank is saying it has been cleared but this payment was not cashed by neither Me nor my XXXX XXXX account with XXXX XXXX. This payment has been cashed fraudulent by someone and Citi Bank has not been willing to figure out how or by who.
Product: Vehicle loan or lease

I transferred my lease in  XXXX    XXXX   from my name to another  3rd  party. We finalized the paperwork on  XXXX / XXXX /  XXXX   and mailed to   XXXX   XXXX   XXXX  , the guarantor on the lease. I received a letter from  XXXX  dated  XXXX / XXXX /  XXXX   stating that I was financially clear of the vehicle. I then gave the car to the other party.     I recently learned that they have been hitting my credit with derogatory marks for missing the  XXXX  payment, although I received the letter from the company saying I had no further financial obligation ( I have attached copies of the letter, lease transfer, and a copy  of 1 of the 2 credit reports that indicate 30 days past due for   XXXX   ).      I then tried to log in online to view my account, which I could not do, " no active account ''. When I called in, they could not see the vehicle had even ever been leased to me, nor could they see any delinquency on my account. When requesting a follow up and an inquiry through their call center on  XXXX / XXXX /  XXXX  , they had no idea what I was talking about. I was told that they would only respond or investigate my claims if I wrote a letter, which I wrote yesterday,  XXXX / XXXX /  XXXX  .     This comes after 8 months.  EIGHT  months of them being difficult to answer or transfer the lease ... requiring countless emails, letters and phone calls to complete the transaction. The amount of extra payments I had to pay just in their reluctance to complete the process was outrageous. The only way I got that process handled is I wrote an email to their  CEO Executive  Office and someone there pushed it through.     The amount of financial harm this company has caused me due to their own processes is ridiculous.
Product: Checking or savings account

AT YHE TIME I HAD MY ACCOUNT MY WIFE AND STARTED TO NOTICE THAT OUR ACCOUNT WAS IN THE NEGATIVE OF XXXX XXXX OF XXXX AND WE WOULD HA E TO PAY IT WHEN EITHER HER OR I RECEIVED OUT CHECK
Product: Credit reporting or other personal consumer reports

I CALLED ALL 3 credit bureaus and spoke to them about the fraudulent inquires on my credit report. the all said to contact the companies and the companies said to contact the credit bureaus. I've been getting the run around. I told them i filed an identity theft report with the government as well. here are the fraudulent inquires for each bureau. TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The following accounts have violated my rights : XXXX Account-XXXX  XXXX XXXX XXXX- Account # XXXX XXXX- Account # XXXX I. XXXX XXXX, XXXX- Account # XXXX 15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 states that a consumer reporting agency can not furnish an account with my written instructions.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and Im completely at a loss as to how this could have happened. I check my report regularly, and everything was fine before, but today, discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but nothing changed. The errors were still there. Im pleading for a thorough review of the documents Ive provided because I cant bear to worry about this anymore.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureaus Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXX Dear XXXX , I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX XXXX DATED XX/XX/year> despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am in receipt of your letter claiming that I owe your company for a debt. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act,15 USC 1692g stating your claim is disputed and validation is requested. 
I have to date received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. If you are unable to provide me with the proper proof then you must stop attempting to collect this alleged debt and remove it immediately from my consumer report. 
If you continue to claim I owe a alleged debt that you can not confirm with proof ( original alleged contract bearing my signature ) then you will be in direct Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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

My information might have been impacted by data breach and my have got into the hands of the wrong person. below i do describe the company and date when the inquiries happened. thanks 1. XXXX XXXX XXXX XXXX  inquiry made XX/XX/XXXX. 
2.XXXX XXXX XXXX XXXX  inquiry made XX/XX/XXXX. 
3. XXXX XXXX  inquiry made XX/XX/XXXX 4 XXXX XXXX inquiry made XX/XX/XXXX 5. XXXXXXXX XXXX XXXX XXXXXXXX made XX/XX/XXXX 6. XXXX XXXX inquiry made XX/XX/XXXX 7. XXXX XXXX inquiry made XX/XX/XXXX 8. XXXX  inquiry made XX/XX/XXXX 9. XXXX  inquiry made XX/XX/XXXX 10XXXX XXXX XXXX XXXXnquiry made XX/XX/XXXX 11. XXXX XXXX inquiry made XX/XX/XXXX 12. XXXX  inquiry made XX/XX/XXXX 13. XXXX XXXX inquiry made XX/XX/XXXX 14. XXXX  inquiry made XX/XX/XXXX
Product: Checking or savings account

On XX/XX/scrub>, 2025, I deposited check # XXXX in the amount of {$9000.00} from XXXX, XXXX into my Wells Fargo checking account via mobile deposit. Later that day, the funds were shown as available online. On the morning of XX/XX/year>2025, the funds still appeared available, and I began writing checks against them. Around noon, I received overdraft alerts and discovered that Wells Fargo had placed a hold on the deposit, citing insufficient funds from the check writers bank, despite earlier availability. 

I contacted Wells Fargo by phone and visited a local branch ( XXXX XXXX XXXX XXXX XXXX, XXXX, NC ) in person. I was told multiple times that the extended hold was required by federal regulation, but no representative could provide a specific citation when askeddespite multiple requests. I provided documentation from the issuing bank ( XXXX  ) confirming that the check was funded and cleared on XX/XX/scrub> 2025. A signed letter from a XXXXXXXX XXXX representative was given to Wells Fargo on XX/XX/XXXX. 

I spoke with both a banker ( XXXX XXXX ) and the branch manager ( XXXX XXXX ), and escalated the case internally. An escalation ID was provided : XXXX, and I was told I would be contacted within XXXX hours. As of today, XX/XX/year>2025, the funds remain unavailable, and I have received no follow-up. 

I believe Wells Fargo is incorrectly citing federal regulation to justify an unnecessary and prolonged hold despite receiving clear evidence that the deposited check has cleared. I am requesting the CFPBs assistance in securing : Immediate release of funds Written explanation of the specific federal regulation cited Review of Wells Fargos handling of this case, including customer communication and failure to respond
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXX Account Number : XXXX Dear Sir/Madam, The Collection Agency I. C. SYSTEM INC has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have reported a collection on your consumer report. You have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ). The Collection Agency ( I. C. SYSTEM INC ) is violating your consumer rights through false, misleading, and deceptive practices. Moreover, they lack the authority to furnish any account to consumer reporting agencies without providing all necessary disclosures as mandated by law, thus, they are in clear violation of consumer protection regulations. '' Said agency 's use of false, misleading, and deceptive means is a violation of consumer rights. Additionally, furnishing the account to consumer reporting agencies without providing required disclosures is unlawful. Please remove said collection. 

Sincerely, Best regards XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX BANK XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account XXXX : XXXX ; XXXX XXXXXXXX XXXX Account Number XXXX XXXX ; XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I went online to an Experian website that advertised {$4.00} to check my credit score in which I paid for with my debit card. un be knowing to me a month later Experian started fraudulently taking {$24.00} a month from my banking account and there after. I immediately tried to call Experian to report the fraud but was just put on hold for hours on end!!! Experian have been charging my account {$24.00} a month for a membership that I never consented to I see they have different web sites to check your credit, some mention about a membership some don't. The one I applied to check my credit score didn't. I even printed out the website like the one I visited that mentioned nothing about a membership. How sad Experian feels the need to abuse their customers!
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting adverse information to the credit reporting agencies ( XXXX, XXXX, Experian & XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX CARD XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Initial date of incident : XX/XX/2022, XXXX XXXX My XXXX was hacked and taken over by a XXXX party. A Goldman Sachs Apple Card was linked to this AppleID. I reported the hack to Apple within minutes of it happening. 

Despite my fast action in reporting the problem, the hacker then made purchases of approximately {$22000.00}. Other charges came through the account, as late as XX/XX/2022, despite the fact that all cards associated with this account were supposed blocked/frozen on XX/XX/XXXX. 

Access to my AppleID is lost forever as the hacker is in control of it. 

Goldman Sachs/Apple Card refuses to issue a new card using my new XXXX XXXX. They say I can not apply for a new card until all issues are resolved and that I must cancel the old account and reapply for credit as if they do not know me nor my excellent history with that account. In order to reapply, the old card must be paid off in full, including a monthly installment purchase of a product from Apple. 

Account cancellation and reapplying will impact my credit score. The company said that my hacking/fraud may or may not be used in considering a new application for credit. As of today, two months later, the issues have not all been resolved. So, I wait.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX 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
Product: Debt collection

Received multiple missed phone calls from Debt Collector, they did not leave voicemails. 

I called the phone number back today to find out who has been calling me. I was told that they were a debt collector looking to collect a debt. They gave me the information that asked for, their phone number and address : XXXX XXXX, PA XXXX. 

I told them that I had not received a letter in the mail informing me that they are collecting a debt, which I have not received, and that they should not call me until I receive that letter. I also confirmed my phone number with them and told them that they can only contact me at that phone number, no others. 

I expect the letter within five days of this, our initial communication, as I have not been fully informed about the debt. I did request some information and was provided with the following : amount owed, date account open and date account went delinquent, last payment amount, original creditor and type of account. I understand that there is more information due to me regarding my actions and rights that were not obtained in this phone call. 

I also asked for the name of the debt collector and was told it was XXXX XXXX, but when I searched the number ( XXXX ) XXXX online, I found the following information : FBCS Consumer Contact Solutions Headquarters XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX https : //www.fbcs-inc.com/contact/ This may have been an understandable communication error or they may be calling on behalf of the debt collector XXXX XXXX, but I am not entirely clear. 

Here is the information regarding the missed calls and no voicemails from the debt collector : Call from XXXX on XXXX XXXX, 2016 at XXXX. 

Call from XXXX on XXXX XXXX, 2016 at XXXX and XXXX. 

Call from XXXX on XXXX XXXX, 2016 at XXXX and XXXX. 

As of now, my complaint is regarding the phone calls. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company to have the report updated and no change was made I disputed it with XXXX to verify the balance and they reported the balance as verified. I have a letter from the company dated XX/XX/2022 that the account is paid in full. XXXX did not conduct a proper verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX   XXXX {$11000.00} XXXX XXXX {$14000.00} XXXX XXXX {$6600.00} XXXX XXXX {$6400.00} XXXX XXXX {$4600.00} US DEP ED XXXX {$9500.00} US DEP ED XXXX {$4200.00}