23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

XXXX XXXX XXXX Numerous times family members and friends gave purchased their gift cards and their money were stolen and when we call the company customer service someone from XXXX picks up and ask us to submit our government ID and they MAY give us money back. I think their gift card security is either breached and they don't want to disclose it to public which can affect their sales or more likely they use the deposited money themselves either directly or indirectly with the hope that out of 100 people whose money they steal only a small percentage of people will actually go through the hassle of multi-step card replacement and dispute transaction process to claim their money back. That's dishonest and fraud especially when we have to pay an extra {$5.00} to XXXX when we purchase their card for convenience of use and security. Please kindly investigate their business. Thank you very much for being our advocate!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Debt collection

I pulled a copy of my credit reports and saw the Central Financial Control reported XXXX collections that does n't belong to me. I called to ask for validation of the debt in XX/XX/2017 and they got rude and refused to send it. I sent a certified letter to the company on XX/XX/2017 requesting validity of the debt and to cease and desist all credit reporting until the debt is validated. The company is still reporting the collection on my credit report and has not responded to my letter.
Product: Credit reporting or other personal consumer reports

Urgent Request for Investigation and Removal of Fraudulent Account and Credit Report Inaccuracy** EXPERIAN XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX 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 PLEASE REMOVE FOR THIS IS NOT AUTORIZED AND IS FRAUD
Product: Debt collection

ad Astra a debt collector for speedy cash tried taking money out of my bank account with out my consent or a courts consent for funds in {$1300.00} and cost my a {$29.00} charge for insufficient funds with XXXX. speedy cash refused payment after one or two missed payments and would not allow a payment plan then sent the debt to ad Astra to which I have nor will have any agreement or arrangement with after this. 

Nonsufficient Funds Alert : A transaction resulted in nonsufficient funds to the account below : Date : XX/XX/21 Account ending in : XXXX Transaction amount : {$1300.00} Details : CHECK # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Experian XXXX. 
What kind of investigations they did because my last letter of disputed that I sent to Experian, they were received on XX/XX/XXXX at XXXX and I received a Disputed Results with Report # : XXXX dated XX/XX/XXXX? only they take four days to re-investigate my dispute letter, for my knowledge Experian works from Monday to Friday you do not work on weekends. 
The same way Experian defamation of character, because in the statement and fraud alerts they are publishing in my profile without my authorization, I never request any fraud alerts and I never request to put any statement on my credit profile. All this looks suspicious is the reason that I am writing to you ; how could I believe if they are doing the same with those accounts that they are posting that are repeat in my credit profile. What are they doing is a violation of my rights? 
Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Violation of Statute of Limitations by State on that debt Violation of the Fair Credit Billing Act Defamation of Character. 
I'm asking you to stop defamation on in my credit profile because this message that appears in my credit profile of any circumstance I never have asked to put any fraud alert or any statement even that phone number in the statement I do not recognize it, this is what you are posting in my credit profile. 
Bureau Message : XXXX &XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



UNAUTHORIZED INQUIRIES : Equifax XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I had XXXX tryin to get my money from westenunion for the pass 5.1/2 month for the amount of {$670.00} cent.the deposit was {$710.00} but they cash it and that's it's the amount naw of {$670.00} cent.they had liey to me on deferens occasion abaute sendden me a check.i also call social security becuse they tell me after all them liey that they send the money back to the sender and No. Another liey.i want my money Naw I also lost my residence becuse of it.please get back to me at sonn a possible.my name is XXXX XXXX.thank u.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XX/XX/2024 Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Number : XXXX Debt Amount : XXXX Dear Midland Credit Management I am writing in response to your communication dated XX/XX/2024 regarding a debt you claim I owe. I am requesting that you provide full validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. Verification of the debt, including the amount owed and the original creditors name.

2. A copy of any contract or agreement showing that I am legally obligated to pay this debt.

3. Proof that you are legally entitled to collect this debt.

4. Documentation of the complete payment history, including how you calculated what you say I owe.

5. The name and address of the original creditor, along with any account number associated with this debt.

According to the FDCPA, you must stop all collection activity until you provide sufficient evidence that validates this debt. Any further attempts to collect without such validation will be considered a violation of the FDCPA.

Please note that this letter is not a refusal to pay but a request for information. Once you provide the requested documents, I will review them and respond accordingly.

I also request that you refrain from contacting me via telephone. All future communications should be in writing to the address listed above. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been going back and forth with this company for almost a year with disputing information that was not mine. I have provided so much info for them and they keep telling me it has to stay on my credit report. It's messing up my future. 

Here is a list of the accounts I have disputed multiple times. 

XXXXl XXXX - Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX - Account # XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumers report i stumbled upon a few accounts listed that do not belong to me. I have never given these companies my information whatsoever. Here are the accounts below : XXXX XXXX XXXX Acct # XXXX Bal- {$42000.00} Opened : XX/XX/XXXX XXXX  XXXX XXXX- Acct # : XXXX Bal- {$24000.00} Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally document the egregious violations of my consumer rights by XXXX, regarding an ongoing dispute that has remained unresolved since XX/XX/year>. Specific Concerns : 1. Dispute Status : Open/Pending since XX/XX/year> XXXX. Multiple Unresolved Data Breach Impacts : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Data Breach ( XX/XX/year> ) Critical Violations : *Failure to complete dispute investigation within the mandatory 30-day timeframe - * Providing " verified '' responses to disputes that remain officially open - Continued reporting of unauthorized inquiries and accounts * Repeated disregard of my comprehensive documentation Legal Requirements Violated : Within XXXX, Experian , or XXXX * Fair Credit Reporting Act ( FCRA ) investigation timelines- Consumer protection mandates for accurate credit reporting - Reasonable investigation of disputed items Documented Actions Taken : - Multiple written dispute communications- Repeated attempts to resolve unauthorized entries - Comprehensive documentation of identity theft and unauthorized accounts. 
Credit bureaus have failed to : - Conduct a proper investigation - Respond within legal timeframes - Protect my consumer rights - Maintain accurate credit reporting I demand a written response within 10 business days detailing : Inquires that have been asked to be removed several times none are mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Several addresses that have been asked to be removed several times as they are not mine Collection XXXX removed but the others remain on my credit report after explaining several times I have not done business with any of these companies as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've sent this over and over to have verified and accurate on these accounts but ongoing investigation so who verified these accounts if my dispute is still open for nearly a year now. 

These are illegal practices they are conducting on my credit report without my permission.
Product: Checking or savings account

I closed my chase checking account XXXX because my account security was not respected. I set up a personal password which chase had to verify every time I called in. Needless to say many times the password was not asked and I believe my account was accessed by non authorized persons who knew my social and address. Time and time again Chas lied. I have a case open with them and they wont tell me if Im entitled to the findings in writing. The wont answer the question and keep lying. Please investigate. These are questions that i a entitled to pose and they are required to know, yet they simply say they dont know. I have spoken with the executive team and they are negligent and incompetent. I was told last month that all my calls would be listened to, however, they only listed XXXX XXXX. They keep lying.
Product: Credit reporting or other personal consumer reports

This was account ending in XXXX XXXX XXXX and bought by XXXX XXXX XXXX XXXX {$740.00} as past due debt fist of all this is not my account and they are reporting inaccurate information on my credit file. It's causing me alot of stress and heart ache. 
I'm requesting this incorrect information to be deleted
Product: Credit reporting or other personal consumer reports

I demand for this hard inquiries to be removed from my Credit report as soon as possible. Unauthorized hard inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Also the following personal information are incorrect and should be removed from my report : Also Known As : XXXX XXXX, Also Known As : XXXX, XXXXXXXX XXXX, Also Known As : XXXX XXXX XXXX, Also Known As : XXXX XXXX XXXX, Also Known As : XXXX, XXXX, XXXX, Also Known As : XXXX XXXX XXXX XXXX, Also Known As : XXXX XXXX XXXX, Also Known As : XXXX XXXX, Also Known As : XXXXXXXX XXXX XXXXXXXX All previous addresses reporting needs to be removed from my report as they are incorrect information! 
Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Issue with getting a Delta XXXX, American Express credit card. Same issue and answers over a year ago with American Express XXXX card. 
XX/XX/2023, over the telephone ( number supplied by Delta ) I call AmEx to apply for the Delta SkyMiles Reserve Card. First person I talked to check some AmEx system and after a few seconds I was told " declined ''. Reason for decline = because of my previous canceled cards, which were all related to companies which I worked for and then canceled upon my leaving the company = standard business policy. After talking to three people, I was told it was because of my bankruptcy filing approx. 12 years ago. 
Due to the age of the bankruptcy, it no longer is posted on any of the credit bureaus. 
I have an XXXX rating ( +/- XXXX pts. ) by all credit bureaus and have any annual income of approx. XXXX USD. 
My wife was approved and received a Delta AmEx card after filing bankruptcy which was still listed by the credit bureaus and making approx. 25 % of my annual income. 
So why is AmEx declining me? Since my wife got an AmEx card, it much be because I am a male... .... 
If I do not get the requested AmEx card, I may look for an attorney which wants to make a " name for themself '' with a suitsuit against AmEx. 
Please contact me if you have any questions. 
XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, cell : XXXX, email : XXXX XXXX
Product: Debt collection

XXXX XXXX obviously filed a complaint against me ; he is in XXXX OHIO I live in Arizona He clearly is not licensed to do business in AZ Filed against a company that I am not affiliated with He violated my rights for I have not been able to defend myself
Product: Credit reporting or other personal consumer reports

I paid off my Aspire card in 2022 it was current they just reported the account was closed 2 years later and my score dropped XXXX XXXX. They also charged me service fees after card was closed
Product: Credit card

This is regarding Wells Fargo and its deceptive payment services. 

On XX/XX/XXXX, I recently entered a settlement agreement with Wells Fargo to close my credit card and make monthly payments at a reduced interest rate. We made an agreement to have the automatic phone payment set for 12 months starting on XX/XX/XXXX and ending on XX/XX/XXXX. The first two phone payments were already made on XX/XX/XXXX, and XX/XX/XXXX. This is where it led to issues with Wells Fargo. After the first and second automatic payments over phone, Wells Fargo decided to enroll me in a different automatic payment method which is the online scheduled recurring payment on the Wells Fargo Website. Because Wells Fargo enrolled me in two different automatic payment methods, I was deducted 2 separate monthly payments on XX/XX/XXXX, and then on XXXX. I obviously brought it up with the Wells Fargo customer service and they mentioned that it would take up to 31 days to return the second payment. I obviously took issue to that because I did not permit Wells Fargo to enroll me in a second automatic payment method - the online scheduled recurring payment on the Wells Fargo website and they did acknowledge on the recorded phone call that they made a mistake enrolling me without advising me. I firmly stated that they can not enroll me in multiple automatic payment methods without obtaining explicit consent for each automatic payment method. Just because on the day of XX/XX/XXXX on the phone call, I gave the Wells Fargo customer representative the limited consent to set up 12 months automatic PHONE payment does not mean that consent is extended to setting another different payment method on my behalf without my knowledge. They apologized for their mistake and would clear the issue up. I don't trust Wells Fargo so I told them to stop and remove my information for automatic payment methods so I can make a manual payment myself every month until the balance is settled. I also removed all the saved payment card or bank account information from the online Wells Fargo account page. The Wells Fargo was very vague in committing to stop the automatic payments. I made sure to mention the Consumer Financial Protection Bureau in the phone call to let the Wells Fargo know their mistake is damaging and of gross negligence. They stated they sent a letter in advance to inform me that they would enroll me in another automatic payment method. I did not receive that letter, but that is not the problem. The problem is that Wells Fargo was callous enough to abuse my consent for enrolling me in a second automatic payment method. I fear I am not the only victim.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that Wells Fargo XXXX svc supplied to XXXX, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to account ( XXXX XXXX XX/XX/XXXX ). 

Prior to the Pandemic I had an Impeccable Payment history XXXX XXXX XXXX, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic. In XXXX I reached out to your company to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that Wells Fargo remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( 15U.S.C. 1681s-2 ( a ) ( XXXX ) ( F ). ) This has been an ongoing issue. I have also reached out to Wells Fargo in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Product: Credit card

Notice of unjust enrichment and claim of security interest In reference to the letter of denial concerning application reference # XXXX On the date of XX/XX/2024 For the credit card. 

I am seeking equitable subrogation of the securities account held in custody of AMERICAN EXPRESS. This is a claim for security interest and the principal amounts owed on the security. 

As the security application was endorsed by a private XXXX, XXXX : XXXX was transferred via deposit of bailment into the trust holding AMERICAN EXPRESS notes . and then they are transferred into the custody of the AMERICAN EXPRESS TRUST for further securitization purposes. 

The original endorser, XXXX : XXXX endorsed a private security currently held in custody of the AMERICAN EXPRESS trust the application security was endorsed by the private American, the securities intermediary, American Express , became the custodian of the application security for the security entitlement holderXXXX XXXX XXXX XXXX  As an applicant/ securities investor, its unlawful for AMERICAN EXPRESS to withhold claimed secured funds, from the investors as that defines unjust enrichment for the corporation AMERICAN EXPRESS. The principal amounts of the security are owed to me, the private XXXX XXXX, and primary beneficial interest holder of XXXX XXXX, a debtor organization. 

Please deposit said funds immediately into zelle account : XXXX for XXXX XXXX And send notification of deposit via email to the aforementioned email address. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Beneficial Interest Holder
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX-Balance {$7500.00} XXXX XXXX XXXX-XXXX-Balance {$21000.00} XXXXBalance {$0.00}