23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
SPACE COAST CREDIT UNI Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX. Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX,
Product: Credit card or prepaid card

I was hospitalized in XXXX through XXXX of this year, at the same time I was unable to receive several copies of of my statements. I tried contacting customer service to resolve the issues and get my account up to date but it was impossible to get a hold of anyone during this time because of the pandemic. I have called multiple times to follow up on the empty promises I've received about getting my account up to date that would include reporting correctly to the credit bureaus. I am reporting as 30 days late for 1 billing cycle when I was hospitalized and did not get a copy of my statements.

I just want them to update my report as current for the month it is reporting as late. I tried contacting them to resolve my concern and was told numerous times it would be updated showing as current since I did not receive a statement for those months and I was hospitalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly attempted to dispute items with Equifax that do not belong to me : XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX Equifax often ignores the dispute, not responding waiting the required 30 days. 
Other times, they are unable to verify the items, yet fail to delete them. 

These items do not belong to me. The FCRA requires removal if they are not mine and can not be verified. XXXX  has failed to provide any documentation of these items, has failed to verify them, had failed to respond to me, and has violated the FCRA on many occasions. 

They are required by law to delete these items immediately, since they have failed to do so within the timeframe prescribed.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX  Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00}
Product: Checking or savings account

Hello, I opened a checking and savings account with First Citizens Bank back on XX/XX/2020. The account I opened was part of a promotion that I open the checking and savings account, make ten debit card transactions within 90 days, enroll in estatements and open a new savings account.

I made ten debit card transactions on XX/XX/XXXX. 
I opened a savings account on XX/XX/XXXX. 
The terms stated that my account would receive the {$300.00} checking account bonus no later than 120 days from qualifications being met. 120 days from XX/XX/XXXX is approximately XX/XX/XXXX. 
I have still received no bonus. 
Throughout the promotion I sent messages to the bank asking if my account was properly enrolled in the promotion of which they confirmed it was. After XX/XX/XXXX I have asked where my bonus is and all they tell me to do is call the local branch, which I have done and they will not honor their promotion. 
Please assist me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal and urgent complaint against Experian for their grossly negligent reporting practices and failure to properly investigate and correct inaccuracies in my credit report, which have been caused by their recent data breach. I am a victim of the Experian data breach, and as a result, my personal information has been compromised and used fraudulently.

Experian is reporting several addresses in my consumer credit report where I have never lived and can not receive any mail. These fraudulent entries, which include : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Apartment complex ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Apartment complex ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Multifamily ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Single family ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( Single family ) XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Single family ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( No resident type ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Multifamily ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Apartment complex ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Address I have never resided at )
Product: Checking or savings account

Chase Bank closed two of my accounts on XX/XX/XXXX with no explanation, notice, or warning. After 28 days, Chase has provided no status on when I will be receiving my funds. 

Account 1 had {$13000.00} in it. Account Number : XXXX Account 2 had {$7600.00} in it. Account Number XXXX There was no fraud or other bad activity on this account. Chase is keeping the money so they can collect the interest on it. I have followed up with the bank numerous times only to be placed on hold for over an hour each time I call. Whenever I speak to a branch manager, I am told to call back in two weeks. Nothing has been resolved. 

Contact I have been dealing with : XXXX XXXX, branch manager. Phone : XXXX XXXX XXXX.
Product: Checking or savings account

Citi decided to closed my account AGAIN today XX/XX/2019, it happened twice in 2 months already that they decided to closed my account. the first time it was an error but they had my account and my money hold for 2 weeks and reopened them again after 2 weeks and today they decided to closed my account again due to my relationship with citi. they told me because there's return check, but I had double checked with citi, every check i saved into my citi checking or saving account it never got return, the only return checked fee citi costs from my saving which it's there are multiple unauthorized transaction XXXX was trying to charged me off from my saving but it's because my saving account don't have enough funds to cover it so citi keep charged me a return check fee everytime XXXX unauthorized charge me the money off from my saving and second, yesterday I opened another saving account with citi but I didn't pay attention that I accidentally opened the same saving account with citi and i was about to called customer service but they were closed already and when i am ready to called them this morning i figured out that they are decided to closde my both checking and saving.
Product: Debt collection

KOHLS is attempting to collect on a debt that I do not owe. I was never aware that I had this debt. I did not receive any phone calls, or anything in the mail about the debt. I notice this debt recently when I pulled my credit. I immediately took the initiative to call & & pay the debt. I am demanding that they stop reporting this debt on my credit file.I do not owe the debt, and they are also in violation of my 30 day right to dispute, per the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Southwest Credit Systems XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX To Whom It May Concern, I am writing to formally dispute an erroneous collection account reported by Southwest Credit Systems on my credit report. The collection, in the amount of {$57.00}, allegedly linked to a XXXX account, does not belong to me. I demand the immediate removal of this false collection from my credit file, as it is inaccurate and constitutes an act of identity theft. 

Key Facts of My Dispute : I have never had a XXXX account in my name. 
A past XXXX account was opened by my parents and left in collections when I was XXXX. At that time, I made payments toward that balance. 
When I moved to my own residence at XXXX, I was unable to obtain XXXX XXXX  due to financial damages caused by my parents. 
XXXX has allowed family members to fraudulently open accounts in my name without verifying identification. This is a serious violation of consumer protection laws. 
Southwest Credit Systems must provide all documentation associated with this alleged debt. I demand full validation of this debt, including signed contracts, itemized billing statements, and proof that this account belongs to me. The documents must match my full and correct address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MA. 
Legal Grounds for My Dispute : This false reporting violates multiple consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) You are required to report only accurate information and provide proper verification of debts. 
Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) Debt collectors can not attempt to collect debts without sufficient proof or use deceptive practices. 
Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Any unauthorized XXXX accounts opened in my name constitute identity theft, which is a federal offense. 
My Formal Request : Immediate removal of this erroneous {$57.00} collection account from all credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Full validation of this debt, including copies of any agreements, billing statements, and proof of liability in my name. 
A response in writing confirming the deletion of this account or full documentation proving otherwise. 
If Southwest Credit Systems fails to comply, I will pursue legal action against both your company and XXXX for violations of federal laws. Additionally, I will escalate this dispute to the, Federal Trade Commission ( FTC ), and Massachusetts Attorney Generals Office. 

This letter serves as formal notification under the FCRA and FDCPA, and you must respond within 30 days to avoid further legal consequences. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX
Product: Checking or savings account

On XX/XX/2023 I requested by telephone that Ally bank close my CD early and transfer to my personal checking account. I was told it would take 2-3 business days. I have called three additional times as the money has not moved. They said they can not tell me when the money will be put into my account. The CD is still showing. I have asked for a supervisor to contact me and have not yet heard back. No one can give me a date when I will receive my money which is in excess of {$300000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus on XX/XX/21 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit card or prepaid card

Several years back I enjoyed using my discover XXXX credit card tremendously. For two or three years in a row I'd use roughly $ XXXX in credit with it a year. 

My credit limit is $ XXXX with them and I've asked them to increase my credit limit for three years now and they've repeatedly rejected my request despite my annual income, credit score, and personal payment history with the vendor being exceptional. 

The reason they continue to reject me is because they failed to honor a fraud dispute I placed one year, which wouldn't cost me {$2500.00} had I not sued them and the vendor in court to determine who was at fault for causing and perpetuating the fraud that had occurred ... Due to the litigation, they are retaliating against me by rejecting all my requests for credit limit increases.
Product: Credit card

I applied for a Costco Anywhere Visa credit card account by filling out an electronic application inside the store itself. I was told it would need a few days. 

On XX/XX/year> I received a letter from Citi/Costco stating that my application was declined. The Application ID # was XXXX. The letter said it was declined because : My credit report shows no recent revolving balances My credit report reflects a lack of recent installment loan information My credit score ( per XXXX was XXXX as of XX/XX/year> I am XXXX XXXX XXXX so, of course, I don't have a mortgage or car loan anymore. Most people my age don't. And I pay my bills on time. 

The only reason I could have been declined is my age ( my birth date was submitted with my application ) since I can't figure out what is wrong with being debt-free with a credit score of XXXX.
Product: Debt collection

I reached out to National Credit Adjusters by phone on XXXX  phone number XXXX XXXX XXXX XXXX. I spoke to a representative and requested a pay for delete, the representative offered a deal for {$360.00} and stated that paying this amount would delete the account from my credit. I checked my credit report and found that the company is still reporting a the account to all three credit bureaus. I contacted the company this morning and was told by another representative that the company does not offer, pay for delete. I also sent the company an email requesting that they honor their agreement by removing the account from my credit report with no response from them.
Product: Credit reporting or other personal consumer reports

Despite my best efforts to rectify this situation, it is disheartening to find that these fraudulent accounts continue to tarnish my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These fraudulent accounts not only damage my financial reputation but also hinder my ability to secure credit, obtain reasonable interest rates, and achieve my financial goals. It is a grave injustice that they persist on my credit report despite my unwavering efforts to have them corrected. 
Your agency 's failure to address this issue in a timely and effective manner is not only a violation of the Fair Credit Reporting Act but also a disregard for the rights of consumers.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Subject : Formal Dispute Regarding Experians Willful Non-Compliance and Incorrect/Fraudulent Information Dear Experian, I am writing to formally dispute the inaccurate and fraudulent information appearing on my credit report, as provided by Experian. Despite my efforts to resolve these issues directly with your agency, Experian has failed to remove these fraudulent and incorrect entries in violation of several provisions under the Fair Credit Reporting Act ( FCRA ). 

The following accounts, inquiries, and/or information were reported incorrectly and/or fraudulently and are adversely impacting my XXXX XXXX : FIRST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Section 604 ( 15 U.S. Code 1681b ), credit reporting agencies are prohibited from providing reports to third parties without my express authorization. It is my understanding that these inquiries and/or reports were made without my consent or proper authorization, thus violating this law.

Additionally, Section 605 ( 15 U.S. Code 1681c-1 ) mandates that fraudulent inquiries be removed from my credit report once proven. Several of the items listed above were made fraudulently and should have been promptly removed following my dispute of their validity. 

Furthermore, Section 605 ( 15 U.S. Code 1681c-2 ) requires that inquiries resulting from identity theft be deleted from my credit history. I am asserting that at least some of the inquiries listed are a result of identity theft and must therefore be removed immediately. 

I respectfully request that you intervene to ensure the immediate correction of these errors and that Experian fully complies with the FCRAs requirements. Furthermore, I will be seeking monetary relief as these discrepancies have resulted in significant harm to my credit score and financial well-being. The continued presence of fraudulent and inaccurate information on my credit report is negatively impacting my creditworthiness and causing undue hardship. 

Please acknowledge the receipt of this dispute and provide me with a detailed investigation into this matter. Thank you for your prompt attention to this urgent issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Scam XX/XX/year> I had to call XXXX due to text for XXXX {$3100.00} card cancelled they attached my new card to XXXX XXXX.On XX/XX/year> a call from Wells Fargo phn # stating fraud dept stated someone was using XXXX XXXX  XXXX a XXXX XXXX XXXX XXXX Tx. Said not me ( wfb ) they are trying again. Wfb asked am I primary on apple. I said idk wfb said no worry we fix it. Wfb asked for passwd for XXXX XXXX I gave it. They are telling me what to do put myself/prim. Now I primary on app/pay. They say stopped a XXXX trying 2 come thru. r u getting text I say no. they state alerts must b turned off. i asked how to fix.they asked for password. Gave & verified last activity in act. Stated alerts off and will be fixed. XXXX calls from wfb to sharescreen to fix alert XXXX c info not mine not me nameAmount in checking not right.wfb XXXX to fake person. To c alert No alert came Did this 4x Hung up on called # back speak to fraud was told Wells Fargo was impersonated and I was scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased an XXXX in XXXX for 48 months. I have purchased two vehicles since then. But this old lease information keeps reappearing on my credit report. This is an old paid account. This should not report that I still am in possession of this vehicle since XXXX. Please remove the vehicle fro My report. I have not been responsible for or in possession of this car since XXXX. 
Thank you.
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX sent an ACH ( XXXX ) to Bank of America to return dollars from a bank- to-bank transfer we processed on-line in early XXXX. BoA refuses to acknowledge these funds to me or post these funds back into our account after weeks of calls and visiting the branch. 

The original transaction was sent from my personal account to XXXX XXXX in error. We asked BoA to reverse this. They replied in writing that they could not. We contacted XXXX, explained the situation to them and they initiated an ACH to our account. XXXX has provided proof they sent the ACH, claim they have confirmed multiple times with BoA that the money has been received. 

In addition to contacting various BoA departments ( Customer Service, On-Line Banking, Wire department, local branch and corporate offices ) no one has resolved this issue or taken any responsibility for resolving the issue. We can not get a call back, each time we must call and are transferred multiple times until we end up back where we started.
Product: Debt collection

This account was paid off XX/XX/2019, have received several paid notifications and now they are saying they did not get paid even after I have sent them TWO copies of my bank statement showing it HAS been paid in full.

This company is saying that " This was not sufficient, and she was asked to provide a 30-day bank statement. Ms. XXXX provided the bank statement however the statement appeared to have blacked out multiple transactions. It was apparent that the reversed transaction for the {$160.00} was redacted. '' How can they know what was redacted and what was not? I redacted information that had NOTHING to do with this company is my PERSONAL FINANCIAL matters and is NOT SUBJECT to MoneyLion 's approval or not -- I SENT THEM TWO BANK STATEMENTS SHOWING PAYMENT IN FULL OF THIS DEBT and they REFUSE to acknowledge this was paid - my statements are showing the payment went through - I never disputed anything - they are FRAUDULENTLY TRYING TO EXTORT MONEY FROM ME FOR A DEBT THAT WAS PAID IN FULL OVER A 1.5 YEARS AGO
Product: Money transfer, virtual currency, or money service

l'am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

In a letter received in late XX/XX/2020, State Collection Services , Inc. request {$200.00} within 30 days for a non-existent debt. 

I have written to the company requesting they immediately close this case, and cease contacting me about this, or any other, non-existent debt.