23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I called Chase Bank back in XXXX to report a fraud made by XXXX for {$1200.00} without my approval. My account was hacked and somehow someone accessed my information and was able to approve this authorization without me knowing. The bank gave me the funds back until XX/XX/2020 when I noticed that the bank took the money back leaving my account overdraft, I called the bank the same day, the day after and next day trying to look for help and the supervisors told me they could not help me because all the information the people used was accurate. Of course it will be accurate it was my account with XXXX that was used. After I tried I was supposed to get a check from my employer and the bank wouldn't accept it. I called and they told me they were not doing anymore business with me, I noticed that the negative amount was gone and I said ok no problem and they said they were going to email me the check my employer gave me. 
After a few days I went back to my account and no amount was showing until XX/XX/2020 I noticed they posted the amount back plus extra XXXX I keep calling and they are close due to the virus and I can't get in contact with anyone. This is crazy I can't afford to be Overdraft like that I really need help my account is Overdraft by a lot now and I can't afford this during this Corona Virus crisis. 

Thank you, -XXXX
Product: Credit card or prepaid card

I Filed a charge dispute and then tried to modify the amount. Was not told that the dispute would be closed and that the bank could not reopen it. I have spoke with the CITI bank several times and they said it was a problem with Master Card not them. I then called Master Card and they have ignorant people that work for them. Tells me that the bank is the one that places the dispute and to stay on the line. So after holding the bank gets on the call and I tell the lady from Master Card to stay on the line and see leaves. Master Card prevents the banks from reopening the dispute and ties the hands of the bank, This complaint is against Mastercard not CITI
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother 's information is listed on my credit report. Please remove it!!!
Product: Bank account or service

XX/XX/2015, I used the Commuter Check Card from ADP to buy the monthly XXXX subway card. The pre-tax benefit amount of {$110.00} was deducted but did n't get added to the subway card. Upon extensive correspondence with XXXX, they informed the said amount was refunded to ADP. ADP initially said they did not get any refund on the card and on sending XXXX 's response letter and refund confirmation to ADP, they stopped responding and still have not issued the refund.
Product: Credit reporting or other personal consumer reports

Under 15USC 1681 all Information has to be reported 100 % accurate, which it is not.I have been going through this with them for the last two years and they removed it and put it back on which is a violation and its different different between XXXX credit bureau, which is a violation of my right I am sick and tired of dealing with them. I am going to legal actions against them and request {$1000.00} per violation plus punitive damages because damaging my reputation, I asked him for the validation of the dead and the purchase they have not sent me nothing so I feel like you all is intentionally reporting this because after 30 days that they are given to dispute an extra 15 days and still its been two years so I am going to proceed legal obligations against them, attorney fees, and report them to the XXXX XXXX XXXX the state attorney, General the FTC and anybody else I can
Product: Credit reporting or other personal consumer reports

My wallet was stolen with my ID and Social Security Card. Multiple fraudulent accounts have been opened. When I first received a copy of my credit report in XX/XX/2023, I found the accounts to be errors. The company Discover Bank has two different accounts ( XXXX & XXXX ) with addresses of which I have never used and or never resided. I have been asking for months for a signed contract with my signature and they have failed to do so. Yet, they have sent me letters that have a different account number ( XXXX ) on it with the same balance as ( XXXX ). On the bill that was sent to me with account ending in XXXX has an address that I have never resided at. Account ending in XXXX has two bills with both a XXXX balance, one with an address that I never lived at and a po box that I have never owned. Also, I received a letter from Discover Bank stating that " After completing our investigation, our records indicate we have not placed the inquiry referenced in your dispute on your credit file that is viewable by us. You may be seeing a promotional offer or an account review inquiry that is only viewable to you and not viewable by other creditors. '' how can I have an account with no inquiry from them in their records. I have attached the letter with the above statement and all documents that has sent me. And, also attached is my original police report that has the account number that was first on credit report. New Identity Theft Report
Product: Debt collection

On XX/XX/2015 I walked In to XXXX XXXX XXXX XXXX XXXX  for XXXX XXXX and a cheap fix being I was XXXX XXXX and had no Insusurance. I told the nurse at time of check In that I had no Insurance. She ask me some basic questions then walked out into the hall and ask the doctor If he had a moment to check me out. ( No charges were discussed for the up coming price gauging that was about to happen to me! The doctor rabbed soe type of a XXXX  XXXX  shoved it up my XXXX  ( literally 10 seconds in each XXXX  ) and walked away. I was then shown an XXXX  and told I had all kinds of problems and handed me a bill for XXXX. I never consented to any charges and This amount of charges for 20 seconds with a XXXX  XXXX  are ridiculous! I want this removed from my credit history! PLEASE HELP!
Product: Credit reporting or other personal consumer reports

This is my several endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I 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 proce 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 | 20.6K financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Capital One Account is showing late payment on credit record. 


Was never late
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
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  Account Number : XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Account Number : XXXX
Product: Bank account or service

On XXXX XXXX, 2016 XXXX XXXX from Wells Fargo Branch : XXXX XXXX XXXX XXXX. XXXX, CA, XXXX : XXXX. XXXX singlehandedly placed a hold on my account for an unnamed and illegitimate reason and withheld pertinent information regarding the hold on my account. SHe said I needed to call my Wells Fargo credit card company to get the hold uplifted and she said she had no power or control over the matter. I spoke with XXXX WF reps who all said XXXX was the point of contact I needed to speak with in order to get the unjust hold lifted. She is refusing to cooperate and is intentionally telling me incorrect information regarding my bank account. She has frozen my funds and I am unable to use my money in my bank accounts. This is illegal.
Product: Credit reporting or other personal consumer reports

i recently viewed my credit report and saw a lot of inaccuracies in it. i then proceeded to contact the various companies involved in order to remedy the situation. i was basically told that there was nothing that they could do. i found this to be a disingenuous statement and proceed to XXXX what could be done about it. i learned that i should ask, in writing, for them to investigate it. which i did on XX/XX/XXXX. i waited 30 days then demanded, in writing, that these inaccuracies be removed. that was XX/XX/XXXX, yet nothing was done. so now, more than 30 days after that, i am here at the cfpb website seeking some sort of resolution. TransUnion : XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX : XX/XX/XXXX accountXX/XX/XXXX, XXXX : XX/XX/XXXX
Product: Credit card

My XXXX XXXX expiring next month XXXX they sent out new card and never notified consumer that your current cards are deactivated - we are trying to use are current credit-cards and they will not work for my self and my wife very embarrassing call barclaycard and they said we have reset card not telling the consumer card is deactivated because new cards are sent out so we can not use our credit card for 10 days and we are stuck it was a hassle very embarrassing when card were decline at all retail store and gas station barclay should have notified the consumer all consumer and expidited the new cards but they never did that and never said anything to the customers
Product: Debt collection

On XX/XX/XXXX I was notified by mail that Continental Credit Control ( CCC ) was attempting to collect a debt owed to XXXX XXXX XXXX XXXX ( XXXX ) for a service from XX/XX/XXXX. I contacted XXXX forthwith, leaving several messages and my phone number. They could not provide me with documentation for the service that I have been alleged to have received. XXXX patient services informed me on XX/XX/XXXX that their billing records do not extend to XXXX. I was told a supervisor would contact me no later than Wednesday XX/XX/XXXX. However, I never received further correspondence about this matter from XXXX or their patient services. Consequently, I contacted consumer finance about the issue and was told to send a certified letter to CCC disputing the debt. I have requested they send documentation for this debt and additional information about it as well. I mailed the letter on XX/XX/XXXX to CCC at XXXX. XXXX XXXX XXXX XXXX, CA XXXX, XXXX tracking # XXXX. They received this letter on XX/XX/XXXX. Unfortunately, CCC has not responded to my requests for assistance in regards to this matter nor have they provided me with legitimate documentation about the debt they are attempting to collect. Additionally, they have put this collection on my credit which has negatively impacted my life. As a result, I have filed a complaint with the Federal Trade Commission ( Ref. # XXXX ). I feel as if I have done everything within my power to settle the matter but have not received any assistance from the XXXX or CCC. I would like to file a complaint against the CCC and have them remove this collection from my credit immediately.
Product: Credit reporting or other personal consumer reports

I have been contacting XXXX XXXX, Experian to have a bankruptcy removed due to inaccurate reporting. This account was removed but placed back onto my report. 
Need it deleted as it violates FCRA 1022.41
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 


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

showing inaccurate information not known to me best of my knowledge
Product: Credit reporting or other personal consumer reports

Following 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. I did not authorize them and they do not have a Permissible Purpose on my behalf.

15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.

The accounts below have violated my rights. Please delete the accounts below : - Creditor name : XXXX XXXX  XXXX. Date : XX/XX/year>.
Product: Mortgage

i applied for a modificaiton/workout in XX/XX/XXXX to see if they could assist with reducing the payments since I don't have enough income to refinance ; In XX/XX/XXXX they presented me an offer that i declined - because it was only a reduction in payment for 3 mos and then would only reduce my payment by $ XXXX/mo ( this was not in any of my paperwork either ). 
I have not been late with my payments during this review period and declined it. They reported me late and/or in modification to the credit bureaus and have a " repayment '' payment option for me on their website when I make a payment. I remained current during their review, I continue to be current, i declined their offer, therefore, i'm not late and I am not in modification/workout. I have called 2x for a letter stating same and they won't send it. I want something in writing since so i can fix it with the credit bureau as my score dropped 30 points due to same, which is why i don't believe them, only mortgage reporting drops it that much in a 1 month period.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$170.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXXXXXX XXXX XXXX Owed : {$73.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have a Comenity Bank Card through XXXX XXXX. They keep lowering my credit limit for XXXX reasons. I have included correspondence asking for them to either raise my credit limit to the original limit or close the account altogether. They are refusing to do either. They have claimed that my credit changed when they lowered my credit limit after I made a payment. I have included a printout to show that as of XX/XX/XXXX there were no changes to my credit report. Their reasons why are fraudulent. I do not have too few bankcards, I do not have too many derogatory or delinquent accounts ( the accounts they are using against me are the other accounts I had closed because they kept lowering my credit limit to the point it was dragging my credit score down for the same reasons ), Not enough balance paid down over time, I can not keep up with the ever-changing credit limit, so I had no other choice but to close those accounts through Comenity. That is why several of their bank cards were closed. I have 19 inquiries from XXXX still sitting on my credit report. This not even be a factor. The one that gets me is the lack of real estate secured loans. Because of the games, they plan I do not qualify for a home loan. Why would not having real estate loans be a factor in lowering my credit limit? They claimed that they make contact with XXXX every month. How is that legal and fair? Why is my credit report on their radar? Why are they singling me out? Their credit practices are predatory and discriminatory. They need to be stopped.
Product: Credit reporting or other personal consumer reports

Previously submitted this complaint XXXX. 

Despite XXXX  having rejected checkrs request for XXXX  information entered by manual submission and instructing checkr to resubmit electronically by written notice approximately XX/XX/XXXX, checkr has refused to take action and instructs me to have XXXX order a new report. They refuse to acknowledge the notice they received from XXXX. 

To prove my background check was delayed due to checkrs willful negligence, I submitted an entirely electronic request through checkrs better future platform which has already been returned clear in XXXX XXXX XXXX  and only took a day to clear. My reports requested XXXX and XX/XX/XXXX remain incomplete which has left me out of work.
Product: Money transfers

I got 2 emails today one stating I had authorized a transfer to XXXX XXXX for {$100.00} ( XXXX seems to be their fee ) thru a company named Zoom and the second one cancelling said transaction. 
I did not do neither. I never sent the money to begin with and now I 'm very concern because despite the fact it was cancelled these people had my information and when I called this Zoom place I was placed on hold and then passed to a 'verification ' office were a person named XXXX wanted my personal information and when I did not want to give her my personal information she said that without it she could not help me. 
I need to make sure my information is safe and to know how this people got a hold of my information Thank you
Product: Credit reporting 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 : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

My information and data was released in a data breach along with XXXX XXXX other people.