23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This was communicated to the company after  XXXX    XXXX   via phone. I do n't have written complaints because I was focused on taking care of my ailing parents. The nature of the communication is as follows.     I cant tell you how excited I was to join your program. I was devastated by the harassment I have received after I communicated that I could no longer continue with the program because my father was gravely ill and expenses had to be redirected to his care. He has since passed away yet I continue to be harassed even stalked by constant calls and letters. Sadly whatever you can do to my  credit score  has already been done and in the spirit of your program  XXXX   XXXX   XXXX   XXXX  this is a complete betrayal and borders on fraud. I assume I am not the only one who has been contacted in this manner.     I will continue to reach out to agencies like Consumer Financial Protection Bureau for remedies against your company. Shame on you.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I wrote to Transunion to have some hard inquiries investigated removed they are not mine. I already contacted the company and they told me to get in touch with the Credit Bureau. Which is what I did. I did not give permission for the company to run my credit. Those inquiries were not authorized. Transunion never responded to my investigation and it's been almost 60 days, where is my response. This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, XXXX took out $ XXXX unauthorized out of my account. I have been attempting to rectify this and obtain a refund since and have been unable to recover my funds. In this time, XXXX has sent my account for collections and negatively affected my credit report.
Product: Credit card or prepaid card

I did a stupid thing I admit. I met a guy online and he persuaded me to give him my credit card and bank information. He said he would take care of everything. He deposited a fraudulent check into my bank account. He also made payments on the credit cards using bank accounts, I believe they are fake or other individuals bank information. I do not want to be accused of stealing. I seriously regret what I did and through this I am learning from it. I
Product: Credit card or prepaid card

Wells Fargo and XXXX XXXX fraudulently signed me up for the Wells Fargo Visa Home Projects credit card, without my knowledge or consent, to finance a purchase of windows from XXXX XXXX of XXXX, Arkansas. 

Please see the attached materials in support of the CFPB complaint. 

I request the CFPB to investigate the Wells Fargo Visa Home Projects credit card product line for widespread fraud and consumer abuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Equifax verify the accuracy of a bankruptcy that is reporting on my credit report. Equifax mailed me a letters of the results stating that they verified with a third party company named XXXX. I do not understand how this was done because I have opt out of XXXX, sharing any of my personal information therefore, Eqifax is not telling the truth. I will upload the letter I sent to equifax, the response from Equifax, the opt out letter from XXXX, and information from the US banruptcy court stating that they do not report to credit agencies. Please investigate these violations.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I am not aware of them, and the company made them without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX report the orginal credit is not listed but is listed with Equifax this is a discrepancy and is in fact a violation of the FCRA guidelines and must be removed immediately from both credit bureaus. 
This public record of bankruptcy was removed and added back to my report the same exact day, which cause my score to decrease by 32 points. This is a discrepancy and inconsistent information and is in violation of FCRA guidelines therefore you must remove this from both my reports increasing my score. 
XXXX and Equifax showing XXXX XXXX for XXXX status ( open ) but for Equifax and XXXX as chargeoff/collection account why is this, this is a discrepancy and is violation of the FCRA guidelines and must be removed immediately from all 3 repYou are showing XXXX XXXX for XXXX status ( open ) but for XXXX as chargeoff/collection account why is this, this is a discrepancy and is violation of the FCRA guidelines and must be removed immediately from both reports/bureaus.orts/bureaus.
Product: Debt collection

This company will call my wifes phone and then my phone immediately after. We have repeatedly asked them to stop and sent them letters. They have harassed us on numerous occasions.
Product: Debt collection

This debt was disputed and asked to be validated by collection agency. On XX/XX/18 a letter was mailed to my address stating the dispute investigation was completed and that the debt was valid. They attached which was suppose to be verification of the debt. It turned out to be only a bill owed in the amount of XXXX
Product: Credit reporting or other personal consumer reports

I just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involve

d Bureaus. I have not received any responses yet
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries 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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC-1681 XXXX XXXX  XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX Child XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX. ACCT # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX 15 USC 1681 Sect 602 A. States I have the right to privacy.

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

15 USC 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 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XXXX of XXXX, I applied for an American Express gold card through XXXX XXXX and was approved instantly for {$8000.00} dollars credit limit plus cash advance of {$1600.00} by American Express. I have never missed a payment all my payment are on time and never late, than On XX/XX/XXXX I received a letter from American Express stating they were lower my credit limited to {$2800.00} which was my current balance at the time of their decision they stated it was because of derogatory public record, reported delinquency is to recent or unknown, too few accounts paid as agreed and too many credit inquiries on my report in the last 12 month none of which was true after I sent for my updated credit report nothing was found to stand up to their decision. American Express ask me to make a lump sum payment of {$1300.00} by XX/XX/XXXX ; which I've never hear of after that payment was made they said they would review my account again and they also ask me to send in a finance report of my income when that was never a factor in them giving me a {$8000.00} credit limit. They have affect my credit score negatively by putting me into 98 % utilization on this card which has impacted my good credit score by dropping it down 122 points. They refuse to rectify this situation and I have tried several times to get them to reverse this decision. I'am current with and all my creditors including American Express .
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are reporting that i have a account with XXXX  and i do not currently the have not verified that the account is mine and i have sent 3 letters and XXXX to them and sent a letter to XXXX XXXX but i have not received a sign document from them that i do owe them and the 3 bureaus and XXXX say that it is verified but have not provided me how they verified it or provided me with any documents
Product: Credit reporting, credit repair services, or other personal consumer reports

my identity was stolen and I have notified the credit bureau of this. I have attempted to dispute these fraudulent items and the credit bureau has not complied.
Product: Credit reporting, credit repair services, 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 / Account number ; ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX 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

Experian removed my XXXX  XXXX credit card account from my credit report even though my credit card account is still active towards the end of XXXX of 2021. I have called both companies experian and XXXX  XXXX and they keep giving me the run around blaming each other noone will give me a straight answer. XXXX  XXXX customer service says that their still reporting to experian but yet when I talked to experian customer service their saying XXXX XXXX told them to remove it but when I stated that to XXXX  XXXX customer service they stated they never did that. I wrote a letter to experian also which I will attach along with other documents of prove. 

Hope you can help Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account : XXXX To Whom It May Concern : I am writing regarding your continued failure to properly verify this alleged debt despite years of correspondence and clear evidence of identity theft. This letter serves as my demand for proper verification under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). HISTORY OF NOTIFICATIONS AND INADEQUATE RESPONSES : Over the past 4-5years, I have repeatedly : 1. Submitted police reports documenting identity theft 2. Provided FTC identity theft reports 3. Furnished data breach notification letters 4. Requested specific verification of the debt 5. Disputed this account with both your company and credit bureaus Your responses have been grossly inadequate and potentially in violation of federal law : - You claim verification using an email address you never possessed- You continue sending form letters via email despite instructions for mail correspondence - You provide account statements showing addresses where I have never resided - You show loan documents with only typed names, no signatures- You present payment histories showing zero payments ever made - You fail to provide any government-issued identification matching the loan address -You ignored my identify theft -You ignored my FTC Report- Why was I never Provided copies of ALL original account documents showing my actual signature- Why havent Ive provided how you verified my identity at account opening- Why Havent copies of any government ID collected at account opening been provided - Document how you validated the address used on statements- Explain why you ignored multiple identity theft reports LEGAL REQUIREMENTS FOR VERIFICATION : Under the FCRA and FDCPA, you must provide ACTUAL EVIDENCE 1. A copy of government-issued identification used at account opening that matches the address on statements 2. Original signed loan documents ( not just typed names ) 3. Proof that you verified the identity of the borrower at account opening 4. Evidence that you followed your standard fraud prevention protocols
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

Truist checking and saving accounts were opened and funded remotely, including a last ( third ) transmit-deposit that was rejected/returned. We received Truist letter, dated XX/XX/XXXX, stating our XXXX accounts were locked against further transactions, without reason, as a Truist contract right. Upon finishing their ( ( whatever ) ) investigation, our funds would be returned by mail, to the ( our-statement ) address they hold on file. 

Upon waiting roughly a year, the closest ( involved ) Trust branch was sent a letter, XX/XX/XXXX, requesting the return of our funds, Its worth noting that the branch is quite distant and reaching it would impose undue hardship. The Truist branch informed us they could not resolve the issue (? ). Thereupon, the replicated request was sent to the Truist main office, XX/XX/XXXX. Upon waiting XXXX month, no reply was received. 

To retain fairness under the circumstances, Truist Bank ought reply in writing, not try recording telephone calls that wont ring through. Truist bank is requested to follow the terms they originally stipulated and close the XXXX accounts and return our funds by mail, without further rigmarole. Logic would dictate that a bank that wont return your money, has stolen your money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, balance on closed accounts, address and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

Accounts on my report show as written off or sold to another lender. Therefore I would like the original signed contracts between me and and original debtors from the lenders who purchased said debts. if not possible within 30 days I would like these accounts deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously disputed item from XXXX XXXX XXXX which has been deleted from XXXX, XXXX and transunion reappeared on my credit report. No notification is yet to be provided to me. No communication from the collection agency. They did not send any letter, so I do n't even have an account number so I can talk to them.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I was a victim of a XXXX scam. I had thought I was purchasing a lawnmower and made XXXX payment installments via Paypal - one to hold the item and the other for delivery. Moments after the final payment was sent, communication ceased. I attempted to cancel the transaction ( same day ) on Paypal and could not. I also tried to contact them, and could not. Unable to reach Paypal, I contact my XXXX banks ( I used XXXX because I had to split the payment ) - XXXX and XXXX XXXX. I also contact my local Police Department fearful of the money loss and also that the scammer had my physical address and knew I was not at home at the time. I have received a debt notice from Paypal and have not been able to discuss this fraud with anyone on their end. I have called numerous times on different days. Attempted to use their chat messenger which is an autobot that sends back to FAQ. I'm at a loss. The transactions were for XXXX and XXXX.
Product: Debt collection

Upon detailed inspection of my recent credit report, I identified several unauthorized accounts that seem to have been included without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, On my XX/XX/2022 I see there are items that are inaccurate that I would like fixed - attached to this complaint are : - my drivers license - my social security card - my address - my written complaint - my credit report
Product: Checking or savings account

Someone opened a checking account at Chime Bank in my name on XX/XX/22. I started receiving emails stating the account was opened, a debit card was ordered, a visa was ordered, etc. I called Chime on the evening of XX/XX/22 to get help but Chime only had a recording giving an email address. I emailed and told them to close the account immediately. They responded later that night that the account was suspended and then responded XX/XX/22 that in order to permanently close the account I needed to reply to their email with a picture of my license and another picture of me holding my license. No one has called me to talk about this. The email from Chime didnt even have a full name or phone number of someone I could talk to. I did not send the picture of my license because I have no idea who the person is that is asking.
Product: Credit card or prepaid card

I was reviewing my Key Bank credit card transactions on line on XX/XX/2021 and noticed that virtually all my reward points were gone. I had close to XXXX XXXX reward points that were transferred from prior Key Bank acquisitions, notably XXXX and XXXX XXXX XXXX. I had XXXX points as of XXXX, and it dropped to XXXX points on XXXX per the Key statements, which I will attach to this complaint. 

I immediately called Key Bank on their recorded lines and was give a run around for over 60 minutes. They had told me they had expired. However, I was give no notification or warning that there was an expiration of these acquired points. XXXX and XXXX XXXX points did not expire. I was told on the recorded line it was important to know these were prior acquisition points and that a supervisor would review and contact me within 48 hours. I have not received a return call to date. 

I had been savings these points for a retirement trip vacation with my wife. Had I been advised that these were to expire, I would have used them for other purposes.
Product: Credit card or prepaid card

Wells fargo has made decisions to deny me approval for credit based on identity theft and fraud on my credit report they were not fair to make another decision and the credit card under writing dept based the decisions on incorrect information on my credit. I informed them numerous times i feel like wells fargo has treated me unfairly as a consumer and the decision to decline was prejudice and not fair based on information they used that was incorrect. I fiiled complaint with attorney general. As well and fair credit act reporting agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX Date of Birth : XX/XX/XXXX SSN : XXXX - XXXX - XXXX To whom it may concern, FORMAL DISPUTES OF INNACCURATE I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this accounts are STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

I am writing to dispute and delete the following information that appears on my XXXX, XXXX and TransUnion report from XX/XX/XXXX : XXXX XXXX XXXX XXXX Line Of Credit with account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. 
This account is incorrectly being reported as a charged off account with a balance due. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is incorrectly being reported as a charged off account with a balance due. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE inaccurate information from my credit report. 

XXXX XXXX XXXX Auto Loan  with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I dispute the missed payments and late payments on this account. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE inaccurate information from my credit report. 

XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 
I dispute the missed payments and late payments on this account. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE inaccurate information from my credit report. 

Please be advised that under the FCRA, you are obligated to conduct a reasonable reinvestigation of the disputed items. Failure to do so may result in legal action.

I am also requesting that you thoroughly investigate these items and provide me with written confirmation of the results of your investigation within 30 days, as required by the FCRA. If the information is found to be inaccurate or unverifiable, it must be removed from my credit report immediately. 
I have attached copies of the following documents to support my dispute : Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX