23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I made XXXX payments on XX/XX/XXXX and XXXX on XX/XX/XXXX to pay my balance due on XX/XX/XXXX in full. When I called the number on my card on XX/XX/XXXX to verify credit limit I was given XXXX different amounts by the first agent i spoke to and a third amount from the supervisor I spoke to.both of which differed from the information on the online access. The supervisor told me that XXXX of the XXXX amounts I paid would not be credited to my account until XX/XX/XXXX ... a full XXXX  days and XXXX  days after funds were taken from my checking account. When I asked how to avoid this inconvenience she suggested I pay the bill in cash in person. The balance on this card is typically XXXX to XXXX per month. Suggesting XXXX XXXX XXXX miles to the nearest XXXX club and pay in cash .... seems a little inconvenient to me. The website states payments will appear in XXXX to XXXX hours Not XXXX to XXXX  days.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. WELLS FARGO BANK NA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my credit report on XX/XX/2023 and seen that a numbers of inquiry was on my report. I called the reporting agencies to inform them that they were not mine and they did not remove them. THESE INQUIRY SHOULD BE REMOVED FROM MY REPORT XXXX XXXX XXXX, XXXX CXXXX XXXX XXXX  FINACING XXXXXXXX XXXX FINANCIAL XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX DATA XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Formal Complaint Regarding Inaccurate Credit Reporting Account # XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against National Credit System regarding the reporting of account # XXXX on my credit report. After carefully reviewing my credit file, I have identified several inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) that are negatively impacting my creditworthiness. 

According to the FCRA 1681s-2, furnishers of credit information are required to report only accurate and verifiable data. However, the information being reported on this account is inconsistent, misleading, and incorrect. The specific violations I have noticed include : Inaccurate account status : The reported details do not reflect a fair and accurate representation of my financial history. 
Failure to verify the debt : The creditor has not provided sufficient evidence to validate the legitimacy of this account. 
Potential re-aging of the account : If the reporting date has been manipulated to extend its impact on my credit report, this is a serious violation of the FCRA. 

I have disputed this matter with the furnisher directly, but they have failed to correct the errors or provide sufficient validation. Given the multiple violations of the Fair Credit Reporting Act, I believe the fair and lawful resolution would be to delete this account from my credit report immediately. 

I am requesting the CFPB to investigate this matter and take appropriate action to ensure compliance with federal laws and protect my rights as a consumer. Please provide me with an update on the steps being taken regarding this complaint. 

Thank you for your time and attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I received XXXX emails in a row from my banking institution, Wells Fargo that my card declined two attempted purchases due to insufficient funds in my checking account. This checking account is linked to my debit, but my debit is still physically with me so I suspect just my card info and pin had been stolen. 

I check my Wells Fargo account the same day only to realize that there had already been two unauthorized transactions that had gone and ones I had never made myself. The unauthorized transactions allowed by Wells Fargo were : XX/XX/XXXX - Purchase XXXX  XXXX  XXXX XXXX  XXXX for {$200.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX for {$390.00} Upon realizing this, I immediately called Wells Fargo 's customer service line to which they shut down my old debit card and are working on sending me a new one. They also froze my XXXX XXXX which was linked to my previous debit card and helped me file a claim on my behalf. I am now reaching out to the CFPB since I am concerned that Wells Fargo will not do much to return the money that was stolen from me. Additionally, since the purchases are not linked to any known companies I also was unsure of who to even reach out to. 

So far, I have checked my other debit and credit card with another banking institution to double-check those were alright ( they are ) and am considering opening an account with another banking institution to prevent this from ever happening again. This is the first time money has been stolen like this from me. Currently, I am awaiting my new debit card from Wells Fargo and any further updates on the claim I filed with them.
Product: Prepaid card

I received a gift card from US Bank National Association. It has {$200.00} on it. I have tried to use it on XXXX XXXX XXXX XXXX 

XXXX was unsuccessful because it only takes company gift cards. 

However, last night I was unsuccessful at purchasing something under {$200.00} after registering it under my name and with my address on XXXX. I called and they said it was because the box " Use card for future payment was checked '' and to clear my cookies & cache. However, I tried XXXX today and was unsuccessful after trying all their recommendations. 

When I call I have to repeatedly share the card number and security code as well as the barcorde on theback of the card. There is also a website I registered the card to and I entered my name, address. However, none of these were helpful for successful payment. 

I believe this is fraud because after the XXXX attempt I called back and they said there is no card with that information. Though I have talked to them at least 6 times in the last 12 hours and even the phone voice automated system said there was {$200.00} and the card was unused. 

I believe after you have " issues, '' they take the card for their own use or something of that nature.
Product: Debt collection

An account on my credit report shows an account opened on XX/XX/2023 through a company called Cash net usa. They contacted me for payment and I informed them I had never taken out this loan in the amount of XXXX. I asked to verify what bank this was cashed or deposited at so I could send them verification of my account on the day in question they denied me that information and asked for my personal information in wich I would not give them this is a fraudulent account I never applied for this loan and they reported it to my credit and a debt collector. I have disputed this through XXXX XXXX with no success. I want to know how I able to prove or provide any information to help resolve this is not my loan.
Product: Money transfer, virtual currency, or money service

My account was terminated and now I can't get my account to cash out. The original debit card that was used in the setup of the account was stolen and Cashapp will not allow me to link any other card with the account to let me cash out. I have over {$400.00} that I need but have no way to access it. I have asked them repeatedly to fix the problem and the only response I get is to go to their website and send in a question which has been done multiple times. I really need to know how to resolve this issue so I can get my money and be done with it.
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. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1900.00} XXXX  - XXXX - XX/XX/XXXX - {$18000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$440.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$560.00} XXXX XXXX XXXX - XX/XX/XXXX - {$710.00} XXXX  - XXXX - XX/XX/XXXX - {$240.00} TXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$300.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1700.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with XXXX XXXX XXXX on several occasions and they removed the lates once and then placed them back on. I have NEVER been late with them EVER! I need them to remove the two lates from my report of XX/XX/2018 & XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I unlocked my credit report with all XXXX credit reporting companies, XXXX and XXXX are unlocked and only Experian says it is unlocked but solar company keeps getting the same message " Report is locked ''. 

this is unacceptable! I can wait 100 days until your office gets a response on why this is happeneing! 
Did Experian get hacked again? 
who is paying the savings I would have from XXXX by having solar panels installation delayed? That would be over {$500.00} if I could get them installed within the next XXXX weeks! 
I can't get anyone on the phone on Experian and even the chat sais no agents are available... only get computer voice asking questions which dont help...
Product: Debt collection

Ive requested Information and I get none besides telling me I owe. And I get the run around on who had the information. Just show me my signature and prove to me this is mine.
Product: Money transfer, virtual currency, or money service

They took XXXX out of my Bank account without any notification at all and will not return it.. 
They charged me a outrages rate to wire my money back to me .. XXXX out of a transfer of XXXX There site clearly states XXXX to wire money out https : //help.coinbase.comXXXX XXXX XXXX XXXX XXXX  There is absolutely no support to speak with anyone period. No support period.. 
There is no end to the many ways they steal peoples money..

They should be shut down and thrown in Jail..

Please see the three attachments.. 

Best Regards, XXXX XXXX
Product: Debt collection

FIRSTPOINT COLLECTION AGENCY VIOLATED HIPPA LAWS AND THE FCRA, CFPB AND FTC GUIDELINES, GOT MY MEDICAL INFO WITHOUT MY CONSENT AND NEVER RESPONDED BACK TO MY DISPUTE LETTER I SENT TO THEM ABOUT A DEBT THAT I DON'T OWE. THIS DEBT IS FRAUDULANT. I DON'T KNOW WHO THIS AGENCY IS, NEVER HEARD OF THEM AND NEVER AUTHORIZED THIS AGENCY TO PULL MY MEDICAL INFORMATION.
Product: Credit reporting or other personal consumer reports

Equifax failed to conduct adequate investigations of disputed information in credit reports. 


I disputed a bankruptcy with XXXX XXXX, it came back unverifiable and XXXX XXXX removed it from my consumer profile. They reached out to Equifax, to remove the bankruptcy, yet it is still being reported.
Product: Debt collection

{$630.00} Was charged to me on XX/XX/XXXX When I moved out of XXXX XXXX apartments of XX/XX/XXXX. This company I.Q DATA CALLED ME AND TOLD ME I HAD TO GIVE THEM {$630.00} FROM XXXX XXXX APARTMENTS. BECAUSE I DIDN'T WASH THE WALLS THE REFRIGERATOR OR THE STOVE AND COUNTER TOPS. I DIDN'T CLEAN ANYTHING WHEN I MOVED TO THESE APARTMENTS IN XXXX THE APARTMENT WORE ALREADY OUT AND OUT DATE WITH PAINT CHEAPING OF THE WALLS! WATER LEAKS IN TOP OF LIVING ROOM CEILING OLD CARPET THEY VACUUMED. WITH BATHROOM DOORS FALLING APARTMENT. SO IM BEING ASKED FOR {$630.00} NOW AND THEY TRYING TO MAKE ME PAY FOR SOMETHING I DIDN'T DO I MOVED OUT ON XX/XX/XXXX. LIKE HOW LONG I'VE LIVE THERE THAT'S AGAINST THE LAW. AND YOU PUT THIS ON MY CREDIT AND You KEEP HARRSING ME. ABOUT SOMETHING THAT THEY SHOULD UPGRADE BECAUSE IT'S A DISGRACE TO LIVE THERE. YOU KEEP CALLING AND SENDING ME BILLS TO MY ADDRESS. AND I WANT TO NO WHAT HAPPEN TO THE {$350.00} I GAVE THEM THE MAN GONE LIE AND SAY IT WENT ON MY FEE. THAT WAS A SMALL 2 BEDROOM APARTMENT WAS NOT A THING WRONG WITH IT. IF IT WAS WAY SOMEONE MOVE IN THERE THE NEXT WEEK.
Product: Credit reporting or other personal consumer reports

I am of XXXX XXXX descent. I am proud to be such. My surname is XXXX, my XXXX  half and XXXX, is my mothers maiden name ( she is % XXXX XXXX  ). Her mother and father, my maternal grandparents separately fled XXXX for XXXX XXXX during the much denied XXXX  XXXX  by the XXXX  people. They, after XXXX years of being relegated to living in XXXX finally and legally XXXX  to the United States. To put the gravity and severity of this XXXX  into some context/perspective, by proportion and a percentage of a people XXXX  the XXXX  XXXX  XXXX  the XXXX of the XXXX  during XXXX. This story makes me very perturbed, disturbed and angry. I have applied for several citi products over the years. Been denied each and every time. Now I know why! Im assuming that in todays day and age it would not be hard to determine my being half XXXX. The poultry {$1.00} XXXX awarded to the wrongfully denied XXXX  by citi is on its face and through and through an insulting number. Its so insulting that it wouldve been better to have them have offered {$0.00} for their blatant and proven egregious wrongs. I hate the word entitled, but citi owes any and all XXXX  a large portion of what is the {$1.00} XXXX in assets they possess/control. They are worth {$1.00} XXXX and give {$1.00} XXXX in award/damgaes!!! That is a mXXXX XXXX XXXXXXXX fraction of their total assets. Pathetic, insulting and downright wrong/XXXX, Very sadly, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX
Product: Debt collection

On the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> calls from JP Morgan Chase were made to me everyday at XXXX. 

On XXXX XXXX XXXXXX/XX/year> I asked the caller from JP Morgan Chase to stop calling me and they replied with accusing of me of being irresponsible and ignorant and that we wouldnt be in this situation if the previous mentioned wasnt true. 

Please assist with this caller and their harassment towards me. 

Thank you in advance. 

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

Same companies I am complaining against. U dont allow uploading some more pics as proofs. 

I did pay more and did pay on time. I was never late except once in 2018 and did inform XXXX XXXX ahead of time. 

I even recently paid it off but XXXX XXXX did not report or Experian Credit Bureau careless to update! 

XXXX XXXX XXXX owes me!!! I paid off but they do owe me from too much payments from too many interest rate and charge rate when I was on time 90 %!
Product: Credit reporting or other personal consumer reports

I disputed something with the credit reporting agency after 30 days they did not put account in dispute which is a violation of USC code 1679 each I want this information deleted of my credit report
Product: Credit card

The Home Depot/CBNA account # XXXX is showing a negative 30 day mark on my credit report for XXXX. I have called them to dispute this multiple times as I was not aware that a payment had not processed. As previously stated to them, this was set up on auto pay with my XXXX account, NOT home depo, and for whatever reason did not get to them. When I was notified, I immediately paid the account and it is even paid in full/off. Home Depo had very good customer service and understood what happened, they refunded all the fees and late fees associated with the error. I appreciate that, however I do not feel this should have been reported on my credit report. I have talked to multiple representatives after, and they all advised that once reported they cant remove. They again proceed to say we updated everything on there end and credit me any fees, however I am disputing the 30 day late reporting on my credit report. I kindly ask you please remove or advise what next step I need to take as I strongly feel this was incorrectly reported. 

*note you have removed ALL fees, therefore based on this you acknowledged this was an error, please move 30 day late as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never given my consent and feel that Im a victim of identity theft from the following companies : Transunion, XXXX, and XXXX. I ask that these situations be resolved.
Product: Checking or savings account

I filed a claim with Well Fargo on XX/XX/22 regarding charges on my debit card for products not received. The charges totaled {$3000.00}. It is now XX/XX/22 and no provisional credit has been issued to me nor any communication from Wells Fargo regarding my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX/XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX/XXXX
Product: Debt collection

I opened a retail credit account with TJ MAXX about a year ago. I owed about {$75.00} on the account that I paid last XX/XX/XXXX when I requested the account to be closed.

Since then I have been charged a late fee of {$35.00} every month which is not permitted since I owe nothing and repeatedly stated the account had been closed to the debt collector SYNCHRONY BANK which now claims I owe {$220.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you correct this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX started XXXX XXXX and paybacks XX/XX/XXXX XXXX XXXX and paybacks for empower XX/XX/XXXX received notification for no payment though chime bank statement showed other wise Contacted Support and they blocked my login closed my account Reported to Chime XXXX XXXX merchant services about the difference in credit scores between XXXX XXXX XXXX Not resolved. The scores are still different I placed XXXX year freezes since XX/XX/XXXX XXXX notified me of another breach this relationship with XXXX XXXX XXXX  accounts and commercial partnership SSN on the dark web Insurance and Driver 's license. Under this report stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN and XXXX XXXX XXXX XXXX TN XXXX reported breach XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX phone number 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 XXXXXXXX insurance Benificiary accounts Health insurance changed without knowledge consent or authorization XXXX XXXX account had XXXX XXXX that took place with a added Email tracker placed on my device XXXX XXXX XXXX XXXX  made changes to my account and was not authorized to do this a XXXX XXXX is listed in XXXX  a path under my account as we speak I have a XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX up under my XXXX XXXX pay. Empower I tried reopening once I received my new device however with my new XXXX XXXX XXXX account opened kept popping up a number unknown same thing on my XXXX XXXX XXXX account XXXX SC opened XX/XX/XXXX. I have received notice of XXXX deposits NOT reflecting in my chime account. My credit card builder at chime is listed as XXXX XXXX  Chime debit card savings account listed as XXXX XXXX  XXXX, then apparently I have a secured account in which I have assets however can not receive information related to it where it is or which bank institution partner of chime is holding these assets. I have disputed XXXX charges that I don't have nor do I have access to XXXX and door dash charged were made I didn't and couldn't have made were charged, Along with Employer payroll checks denied due to the post date however when I deposited it was a reverse payment applied by stop a minute nobody can explain this my phone XXXX kept showing up under a XXXX XXXX and over XXXX dollars saved in the empower app was transfered the empower team once again just blocked my access and closed the account as a solution. I don't know what kind of XXXX XXXX  is participating however retaliation and dilebarte interference and locked assets results from this I am showing a XXXX XXXX  loan or line of credit I have no idea where this is what account but it isn't mine. I'll never be able to accomplish operating a entity with this XXXX allowed also XXXX XXXX  is showing up on my device also however denial of any accounts relationships etc with me?