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

I would like the inquires to be deleted because I did not authorize these companies to run my credit this is fraudulent
Product: Checking or savings account

I had been charged XXXX over drafts fees. Even XXXX items I tried to dispute they did not protect me. U stead closed one of my accounts.
Product: Debt collection

On Friday, XXXX XXXX, 2016 at XXXX, Professional Debt Mediation Representative XXXX XXXX conducted intolerable threatening and obscene/offensive veibiage as well as harassing behaviors. I, as a consumer, who reached out to the original client and now collection agency to resolve this issue feel I should have not been " yelled at, threaten, and should not have to tolerate verbal abuse '' over any account and/or situation. Based on his behavior and statements, he has already made it clear he will NOT honor any agreements. Also, per correspondence received on XXXX/XXXX/2016, the PDM representative is stated false and inaccurate information which is very concerning. I believe this is a purposeful misrepresentation of details associated with the listed account.
Product: Debt collection

Cavalry Portfolio Services has placed a lien on the title of our family home in Connecticut. 
We are trying to sell our family home through a short sale to keep it from falling into foreclosure. 
Despite our best efforts, Cavalry refuses to release the lien from the title so the short sale can go through and not another Connecticut foreclosed home. 
We have a cash sale, but Cavalry continues to refuse to work with us by releasing a very old debt from XXXX - XXXX that they purchased. 
At that time, both of us were working. The economy in Connecticut was great, we are now retired and trying to sell our family home when this showed up on the title. 
Our Bank will not close with this lien on the title. 
Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus, TransUnion, XXXX, & XXXX are reporting accounts that were not authorized by me. I have submitted documentations per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove.
Product: Money transfer, virtual currency, or money service

Venmo is saying they never received the funds. 


XXXX is saying they sent the funds. 

They are both pointing the finger. 

Both reports are filed on this same site, both with contradicting findings
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : -XXXX Account Number : XXXX TransUnion / XXXX / XXXX XXXX Account Number XXXX XXXX TransUnion / XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide permission or instructions or the identified transactions to be reported on my consumer report. Im requesting that the reporting of this information be blocked and deleted. My request to block is not being made and error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are required to do what Im asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX Transunion, XXXX and XXXX have been reporting multiple entries on my credit report incorrectly. XXXX continues to report on accounts that have been closed for 6 years with current activity there are 3 in particular that enrage me. they are XXXX XXXX accounts and a XXXX  account, and they refuse to correct or update or delete my accounts. They just send a fake letter saying they have investigated the items when they haven't. The other bureaus just continue to report incorrect dates of last activity or just don't investigate at all. I have sent my investigations to the bureaus for the last 8 months and they refuse to correct my credit report. I sent another round of investigations today XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX & XXXX - two unauthorized ATM withdrawals for {$1000.00} each were made on my Bank of American EDD debit card. 

I filed a fraud complaint on the XX/XX/XXXX with BOA Fraud Department. After calling them back on XX/XX/XXXX, I was informed my claim was denied. Stating that I am at fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted extensive COVID-19 Medical Documentation and documentation of XXXX from the XXXX XXXX  XXXX XXXX XXXX XXXX, as I am a federally XXXX employee from the XXXX XXXX of XXXX XXXX. These payments were on deferral during a 2 month period. However, Experian and the credit card company refuses to recognize the documentation.
Product: Credit card or prepaid card

On or about XX/XX/2019 my monthly payment was dropped of at a Bank of America location in XXXX, TX. On XX/XX/2019 the check cleared my bank - it was cashed by Bank of America successfully. My payment slip accompanied the check and my Bank of America account number was written on the check. 

However, Bank of America did not apply the payment to my account. Further they charged me a late fee. Within one weeks time they then reduced my credit limit by ~ {$20000.00}. AND THEY HAVE MY MONEY. 

I have provided my checking account and routing number to BoA so they can prove to themselves that they have my money ( on time ). However, I have heard nothing from them for a few weeks now and received no further correspondence. Are they really working to prove they have my money? 

In the meantime they want a late fee and a double payment. Bank of America sucks.
Product: Prepaid card

Hello, I can not spend the last {$11.00} on an American Express gift card. It is a couple of years old but still supposed to be valid until XX/XX/year>. It worked at some point prior, but no longer works anywhere, including my local stores, XXXX, XXXXXXXX XXXX XXXX 

After researching, unfortunately, I've found that this is a common complaint for this card.
Product: Bank account or service

I got the below below email from Wells Fargo. 




Date : Sat, XX/XX/2016 XXXX XXXX From : XXXXXXXXXXXX To : Subject : Wells Fargo fraud claim on your account We? re researching fraud claim on your account : Here? s what you need to do Dear Customer : We want to help keep your account secure so we continuously monitor it for possible fraudulent activity We 're writing to verify the transaction On XX/XX/2016 was authorized by you or another person, The transaction was against bank Tearms and Use. 

What you need to do now? 
Please visit the Customer Center here XXXX login to your online banking? 
Review and enter all billing information carefully, and make sure it is up to date? 
You will receive an email from us in the next 24 hours confirming your transaction PLEASE NOTE : failure to verify your billing information before the next working day will lead to your online banking suspension and your account frozen. 


If you have any questions, please call us at XXXX from the U.S. or XXXX. Internationally, you can call us collect at XXXX. 

Thank you for being our customer. 

Sincerely, Wells Fargo Fraud Department
Product: Debt collection

Originally this was with XXXX XXXXXXXX XXXX XXXX XXXX  I during XXXX I lost my XXXX. I needed additional funds for his funeral. I took this {$2000.00} line of credit without anticipating that I would lose my job a month later they charged off my account to and NCB management, which now claims that I owe {$3500.00} the balance is now {$3200.00}. They added an additionally {$1500.00} to a XXXX XXXX. I I have disputed this with all three credit bureaus, and every time they tell me, the information is accurate despite me requesting proof not only from the debt collector, but from the credit bureaus as well, because if they deem this amount as accurate I want to see the proof the third seeing. This is a charge off account that is still showing as an open account and has prevented me from qualifying for any housing or credit for the last two years because my DTI is reflecting that I make payments of XXXX a month, which is more than my monthly salary, and this debt collection company has ruined my life. They have harassed me, contacted my family members that dont even live in this state and have had people contact me off of different numbers, asking me to verify my address so they can bring me a subpoena for not making payments, despite my attempts at communicating with him that I want proof of this balance that I owe. I apologize for the length. But this one that collection agency is ruining my life and I made a mistake at XXXX XXXX XXXX, but it is not fair for them to do this to people.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of a collection account XXXX XXXX XXXX XXXX XXXX from my credit report, as the collection agency in question is not licensed to collect debt in the state of Florida and has also reported incorrect information in my credit report. 

Unlicensed Collection Activity : The collection agency, XXXX XXXX XXXX XXXX XXXX, is not licensed to operate as a debt collector in the state of Florida. According to Florida law, specifically Florida Statutes Section 559.553, debt collectors must be licensed in the state to legally collect debts. Therefore, their collection activities are illegal and should not be reflected in my credit report. 

Incorrect Information Reporting : The collection account contains incorrect information that is adversely affecting my credit score. Misinformation is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported on a credit report must be accurate and verifiable.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I'm challenging you to review your data on my file. I need you to fix any inaccuracies or deficiencies of reporting. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Account was opened at XXXX XX/XX/year> for 36 months term. it's Volkswagen XXXX and account is paid in full. So I called to company and told them that this account is reporting wrong name but they ignore that to correct. I'm asking to report again with correct name and address so I can have this 9 years history in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, h

as 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.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing issue of fraudulent, inaccurate, and misleading information on my consumer report, which persists despite my repeated efforts to resolve it. The presence of these unauthorized items has had a profound negative impact on my life, causing considerable distress and anxiety. I must emphasize that, as a victim of identity theft, I never authorized or consented to the association of this information with my name. 

Be advised that I am in the process of initiating legal proceedings regarding the fraudulent and inaccurate items currently appearing on my consumer reports. I formally demand that you take immediate action to update, delete, and block these items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in review of my credit file i see two recent inquires on my 3 credit reports that i believe are fraudulent. 1 ) XXXX XX/XX/2023 & 2 ) XXXX XXXX  XXXX XX/XX/2023 I would like these two inquires removed.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Debt collection

My name is XXXX XXXXI had a problem obtaining credit and I checked my credit report and notice that i had XXXX debt collection accounts that wasn't mines, these XXXX accounts is the reason i keep getting denied Experian have no proof nor do they have on file my written consent for this to be reporting or thst this debt is associated with me. I will just like for the cfpb to resolve this fraud issue Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 Our personal computer was comprised with malware We tried several times to clear but unable to do so. A dialog box appeared to call XXXX at XXXX XXXX XXXX XXXX. The customer care from XXXX said he could clear the problem. Fifteen minutes transpired and the rep asked for our permission to to scan the problem. He stated our file has been hacked and he needs further time to locate the problem. My wife and I could see his cursor jumping all over the screen. Another 15 minutes, elapsed and he said our American Express account has been violated. He recommended we call AE and speak to someone. We told the XXXX rep we will call him back after we speak to the Amer Express people. The XXXX rep said he can contact American Express via third party call. We gave him the number and a rep from Amer Express came on. We explained what happened and he said he will need a few minutes to look into the account. He verified our information as they usually do. We actually thought we were talking to XXXX XXXX. The gentleman came back and said your account is pending {$15000.00} to a XXXX in XXXX. We were shocked because we didn't authorize any transactions of any amount. We asked him what can be done and he said we can dispute the amount which will take a awhile or you can purchase the amount in gift cards to offset the pending amount in question. He advised us to purchase the gift cards. I asked how does adding XXXX in gift cards offset a pending amount. He said the pending will go on my account in 12 hours. So we panicked and purchased gift cards to offset the amount. The XXXX rep was also on the phone the whole time. He said our email and cell phone were also compromised. We felt so angry but what could we do. So American Express is holding me responsible for the purchases. I reported this to them 72 hours later when I went back to check my account. I reported the violation to the XXXX Police, the Federal Trade Commission, and XXXX  where the gift cards were purchased. 
I'm semi retired and have health problems partially XXXX and on XXXX. Working with a fixed income and I told American Express why would I purchase that much in gift cards where I could've just use my American Express for buying power. I sent a letter to the CEO of American Express asking for forgiveness. I sent a letter to my senator and my congress rep. I'm having a difficult time repaying this. 
American Express, report ID XXXX XXXX ID XXXX XXXX Police Report XXXX Federal Trade Report XXXX Alleged XXXX Rep XXXX XXXX Employee ID XXXX Email : XXXX Direct phone number XXXX ext XXXX XXXX  number XXXX Alleged American Express Customer Care XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Email : XXXX Cell : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in Non-compliance with the FAIR CREDIT REPORTING ACT BY REPORTING FRAUDULENT ACCOUNTS THAT I HAVE ALREADY SENT IN A POLICE REPORT ABOUT NUMEROUS TIMES, AND ALSO HAVE SENT IN A FTC AFFIDAVIT REPORT STATING THAT MY INFORMATION WAS COMPROMISED AND NEED THE FOLLOWING ACCOUNTS REMOVED BECAUSE THEY WERE DUE TO IDENTITY THEFT. NOT ONLY HAS EQUIFAX BEEN NON COMPLIANT WITH MY REQUEST AND THE FCRA! THEY ALSO HAVE BROKE ANOTHER RULE OF NOT VERIFYING EACH ACCOUNT, AND SHOWING DOCUMENTATION FOR 100 % PROOF OF COMPLETE AUTHENTICATION, VERIFIABLE PROOF! XXXX XXXX SENIOR VICE PRESIDENT, AND XXXX XXXX PRESIDENT OF EQUIFAX LLC, AND XXXX XXXX PRESIDENT OF U.S COMMERCIAL SERVICES AND CORPORATE CHIEF OFFICER OF EQUIFAX WILL NOT CONTINUE TO BREAK THESE LAWS AND GET AWAY WITH RUNNING OVER PEOPLE LIKE ME WHO SERVED THIS COUNTRY PROUD! I AM A PROUD VETERAN AND HAVE NO PROBLEM PURSUING THIS CASE IN SMALL CLAIMS COURT, AND ALSO JOINING A CLASS ACTION LAWSUIT! I HAVE ALREADY OPTED OUT OF THE ARBITRATION AGREEEMENT EQUIFAX HAD ME LOCKED IN TO!
Product: Credit reporting, credit repair services, or other personal consumer reports

Court : XXXX XXXX XXXX XXXX XXXX Case # : XXXX Plaintiff : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX VA XXXX Defendant : XXXX, XXXX Filing Date : XX/XX/XXXX Amount : XXXX Judgement : PLAINTIFF Judgement Date : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX Case # : XXXX Plaintiff : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX  XXXX VA XXXX Defendant : XXXX, XXXX Filing Date : XX/XX/XXXX Amount : XXXX Judgement : PLAINTIFF Judgement Date : XX/XX/XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Case # : XXXX Plaintiff : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Address : XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX VA XXXX Defendant : XXXX, XXXX Filing Date : XX/XX/XXXX Amount : XXXX Judgement : PLAINTIFF Judgement Date : XX/XX/XXXX
Product: Credit card

I applied the XXXX Platinum Card on XX/XX/2016. My XXXX membership reward was under review since XX/XX/XXXX to now.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit reportand found late payment on the dates below : 30 days late as of XX/XX/2016 I am not sure how this happened, Ibelieve that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

THE COMPANY HAS NEGLECTED TO ADDRESS MY PRIMARY CONCERN : THEIR FAILURE TO PROVIDE ME WITH AN OPPORTUNITY TO OPT OUT OF INFORMATION SHARING BEFORE REPORTING TO THIRD-PARTY AGENCIES. THIS IS A VIOLATION OF MY RIGHTS UNDER THE GRAMM-LEACH BLILEY ACT AND OTHER CONSUMER PRIVACY PROTECTIONS. I REQUEST A DIRECT RESPONSE TO THIS ISSUE AND AN APPROPRIATE RESOLUTION, INCLUDING THE REMOVAL OF MY INFORMATION FROM CREDIT REPORTING AGENCIES DUE TO NONCOMPLIANCE.
Product: Debt collection

I received in the mail a letter from Online Information Services dated XX/XX/23 in regards to an outstanding debt in the amount of {$840.00} due to XXXX XXXX XXXX. I do not have an account with XXXX XXXX XXXX. Upon calling the debt collection agency Online Information Services, I was informed that this account is associated with an address in Texas. I do not own any properties in Texas, nor have I ever been there. Given that I live in XXXX PA and have never heard of XXXX XXXX XXXX, the representative I spoke with noted that this was likely a case of fraud and directed me to file a claim through the FTC 's identity theft website. I will also be following up with XXXX XXXX XXXX to dispute the fraudulent outstanding debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions. Please remove this account : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I need you to attend to the following shown items in this letter which contains data taken directly from my credit report which you have provided. 

Company Information Dates XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S. Code 15 U.S.C 1681 ET SEQ . Section 04 of Fair Credit Reporting Act Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

Once you have finished your investigations, send me an updated credit report to the address stated above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX