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

I am submitting this complaint on my own. There is no third party involved. I have sent numerous letters to XXXX, and Experian informing them that I am a victim of identity theft. Someone opened an auto loan under my SSN. This item in my credit file is from unauthorized use of my social security number and card. I did not authorize the account to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. I'm asking XXXX, and Experian to Please remove this information from my consumer report under 15 U.S.C. 1681c-2. This is really hurting my reputation and affecting my ability to get a new job and home. I filed an FTC report. Please see attached.
Product: Credit card or prepaid card

I have been having issues with bank of America constantly suspending my edd card. I would have to call them numerous times to have them unsuspend it and it was always a hassle. Well, then one day try to use my card and couldn't so I called them and they said my account was frozen. They requested me to go into a bank with two forms of ID and then they would unfreeze my account. Well I can't find my wallet with my ID since I moved recently and now I can't get into my account to get the money to get a new one. I made a complaint because bank of America would not even give me a reason why they froze it in the first place. I think it is a violation of the court order placed against them for using their flawed fraud filter. In any event XXXX XXXX  contacted me by email and gave a number to call them and I got hung up on twice and still no resolve. It's been XXXX XXXX. What do I do?
Product: Credit reporting or other personal consumer reports

They are reporting incorrect addresses on my credit report. I have never lived at the addresses that they are reporting. The only address that should be on the credit report is in the city of XXXX XXXX, IL XXXX.
Product: Credit card

I applied for a Chase credit card and was told that I was denied when I called. The reason for denial given was because I have a charged off credit card with chase. I have never had a chase account of any sort. The rep on the phone was unable to give me more details other than what she provided. 

My social security # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PRINCE PARKER AND ASSOCA XXXX XXXX XXXX XXXX XXXX, NC XXXX has been on my credit reports for months. XXXX and XXXX have removed the debt as Prince Parker has refused to send me a validation of debt per my letter to them. XXXX XXXX is the only company not respecting the laws and cease and desist despite numerous attempts along with Prince Parker. I've attached the signed certified green card from PP showing they did receive my letter AND the letter attached to XXXX XXXX to remove it.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 


Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX
Product: Checking or savings account

I should not have been charged a XXXX overdraft fee. I had money in the account and the last purchase I made before it was charged the money was taken out so why the XXXX was I charged an overdraft fee?? I get so XXXX sick of fees and other ways banks XXXX XXXX XXXX you to death. I specifically said I did NOT want anything paid on this XXXX account if there was a funds issue anyway and THIS IS WHY.
Product: Debt collection

I tried getting in contact with a supervisor and they refused to service me or have any contact as I requested a cease and desist in communication. 

Please refer to my Consumer Rights stated below that Im allowed too exercise because, I identify as a consumer 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I dont owe a debt of any company of such also this is a violation of : 15 U.S. Code 1692g - Validation of debts Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

Please show me the original contract and statement of my signature XXXX, XXXX without recourse with the right to rescind. 


Your company has 30 days to produce me the original contract with my legal signature. This is the tangible instrument your company fails to show and provide to at all with this document stating I will be sued if, I dont disclose personal information. This is considered identity theft for the falsifying information in an attempt to violate my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE INQUIRIES I DID NOT AUTHORIZE AND ANACCOUNT THAT I WAS NOT LATE ON
Product: Checking or savings account

Received email w link to fraudulent Chase bank website stating my account was locked and info needed to be verified : https : XXXX? XXXX & XXXX This is not the Chase bank website
Product: Money transfer, virtual currency, or money service

Online Payment XXXX To XXXX XXXX XXXX XX/XX/XXXX Bill payment {$89.00}. I deleted all the payments in the system made to XXXX XXXX. I called XXXX XXXX and asked if they could reverse the payment. They informed me they would bill a {$25.00} dollar charge if they did. I informed the representative that it would be okay. The representative came back and stated he could not or did not want to reverse the payment. I worked for a XXXX XXXX, XXXX XXXX and they have that option in their system. The representative told me to call the bank. I called the bank and the representative informed me that she was unwilling to reverse the charge. I would like to inquire as to why I am not getting proper treatment.The banking institution is Chase Bank. Please assist me I know there are consumer laws in texas and consumer rights. I feel this is harassment and discrimination because of the previous complaints that I have filed with the bank. I have been informed by banking representatives that because I am not XXXX they would not assist me. I have made request for disputes and the representatives are rude and play games over the phone. I called and complained about these representatives and this is the outcome of my complaints. What banking regulations would allow that I consumer not be able to have a charge reversed. Please Assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit agency is reporting thw wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) is wrong. 

They are also reporting a fraud account on my report from XXXX Correct my address and remove the fraudulent address from my reports. 
Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX   XXXX # XXXX This is not my account. 

My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a letter addressing erroneous and inaccurate accounts that I have disputed and that can be seen in my credit file, and I am disappointed that they are still there. I do not verify such accounts, which is a violation of US Code 1681 Accuracy and Fairness in Credit Reporting, which is part of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have filed disputes into the accuracy of payment history through XXXX and TransUnion regarding my XXXX XXXX XXXX mortgage account. Regardless if XXXX reports to these companies now both credit monitoring bureaus are suppressing the account from my credit report because XXXX is failing to respond to active disputes. 

I would like XXXX to prove they have in fact responded to active disputes through TransUnion and XXXX. The agencies have told me since XXXX has not responded to the disputes the account will remain suppressed until they finally respond. The TransUnion dispute was from well over XXXX months ago. After XXXX days TransUnion begins to suppress the account from a failure of the creditor to respond. A similar policy is held with XXXX. 

XXXX must respond to disputes with both agencies to allow the account to appear on my credit report again. 

I reiterate -because of XXXX failure to address this in a previous complaint- I am NOT arguing the accuracy of my paymeny history on this complaint. I am arguing that XXXX has failed to respond to disputes on XXXX and TransUnion which have caused the account to become suppressed regardless of if they continue to report the account or not. They MUST respond to disputes as they have intentionally failed to in an effort to damage my credit score. 

The documents I've provided show all of my active accounts minus XXXX which is active but suppressed from their lack of response to open disputes.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile due to me trying to buy a house and notice that there was some information on my on my current credit report in result of identity theft. i have never sign or accept a loan/ credit card /line a credit with any of these companies that I have listed below Please i ask that they companies who house this data do what is fair and equitable to me as an a consumer of the United states of America please block and delete this information from my report ACCOUNTS [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE ASAP THANK YOU KIND
Product: Student loan

I got a call from a " representative '' who verified who I was and then transferred me to another person, XXXX XXXX. She told me I could pay my loan off at just pennies on the dollar by signing up. She referred to the William D Ford Act for loan forgiveness. She pressed me for access to my Mohela account. I told her I didn't have the information at hand and she gave me a phone number to call her back on, XXXX. I didn't do it but thought you should know.
Product: Debt collection

It shows that this account was opened on XX/XX/2017. 
Collection company states that i owe {$1100.00} to them which i do not owe them nothing. 
I tried to contact them numerous times but they have not responded. This is not my dept. 
I asked to show me proof but i have not received a reply. Please remove this account immediately.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX was provided a payment of {$23000.00} by my auto policy ( XXXX ) for account # XXXX. XXXX sent letter stating that they received a payment of {$23000.00}. XXXX also stated in that letter prior to the settlement check I had a balance of presumed XXXX and after the payment {$23000.00} my balance is {$5300.00}. After reviewing documentations the XXXX XXXX XXXX XXXX is reporting to the credit bureaus in inaccurate. XXXX reported on XXXX the balance is XXXX with no cents. However if XXXX paid XXXX {$23000.00} the actual debt balance reported is inaccurately reported to all credited bureaus. If XXXX stated my assumed balance was XXXX and the actual payment was {$23000.00} the presumed debt balance is essence inaccurate. I have also contacted to the credit bureaus to investigate this matter for inaccuracies. 


In accordance to Fair Credit Reporting Act Convergent Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2. It also states a consumer can not furnish an account without my written consent.
Product: Money transfer, virtual currency, or money service

BANK IS BLOCKING MY ACCOUNT FROM MAKING TRANSFERS TO XXXX XXXX. BANK IS NOT ALLOWING ME TO LINK DIRECTLY ON THEIR WEBSITE FROM XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX my Us Bank Reliacard was declined. This has happened 3 previous times due to fraudulent activity on my account. This time, when I called customer service, the automated service stated all operators were busy, please try again. I have called multiple times a day, every day since XX/XX/XXXX without talking to anyone. I need access to my money!!
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB complaint to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. Kindly assist me to correct the following late/open accounts : XXXX XXXX XXXX XXXX XXXX Balance {$47000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$28000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$9900.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$47000.00} XXXX  XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$28000.00} XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX. XXXX, XXXX Balance {$10000.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$12000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached and FTC report I have already tried to send to the Bureaus and they aren't responding that's why I am reaching out to you guys
Product: Checking or savings account

Hello, I have Wells Fargo and Ive had them for many years and back in the day you were able to at least reverse one to three overdraft fees in a year and with Covid they allowed many overdraft fees but now they only do one overdraft for a year. If you have all your bills on the account with Wells Fargo, they have overdraft protection which uses your own money, but they take your money. they give us an extra day grace. Which does help and that sense but its an incentive to try to make it look like they put their hand on out here some help but when you get four overdraft fees, its {$140.00} and you can barely make the payments that youre already making at that moment and they do not want to reverse anything because the bank wants to say no and even to their workers. This to me is very unprofessional and yes, I understand that its fees that I have on the account and they give us an overdraft fee like its inconvenient to them, but its not and its them making a dollar off of something that they can because they want to instead of saying hey youre in trouble lets help lets help you oh but we got tools that can help you well right now. I need the overdraft fee taken care of so I can pay my bills and get ahead well sorry sir. This is company policy. Its counterintuitive and its unprofessional of a bank to do this and many people have complained about this bank many times of Wells Fargo. Im on the verge of leaving Wells Fargo because when I called XXXX for an overdraft fee and no problem reversing it and I had friendly customer service. Also, the other thing is that at the top part of the screen on the bank app. It says your account is negative please make a deposit or give us a call and you call them and say hey I need help with the overdraft fee, they say tough crap pay it so XXXX  is {$140.00} and I got ta pay that Im trying to pay my rent and everything else and I live in California so here we are once again Obama XXXX so what do we do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX - partial account numbers XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, CKS Prime Investment has violated my rights. 15 U.S.C 1681, Sec. 602A states I have a right to privacy. 15 U.S.C 1681 Sec. 604A Sec. 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing this complaint against TransUnion due to their handling of a disputed account on my credit report, which they have inaccurately re-aged, suggesting a recent late payment. This action is misleading, incorrect, and has significantly harmed my creditworthiness, directly impacting my financial stability and ability to secure essential financial services. 

Furthermore, I wish to highlight my previous attempt to resolve an issue with XXXX XXXX XXXX XXXX. On XX/XX/2023, I sent a certified mail requesting validation of a disputed account, as per the Fair Credit Reporting Act ( FCRA ) requirements. Despite the legal obligation to respond within 30 days, I have not received any form of acknowledgment or response, further compounding the inaccuracies on my credit report. 

This complaint underlines the failure of TransUnion and XXXX XXXX XXXX XXXX to adhere to FCRA guidelines, resulting in severe personal and financial repercussions for me. As a diligent consumer who has not missed a single payment in over five years, and as a single father striving to provide for my family, I urgently request the CFPB 's assistance in investigating these matters and ensuring the correction of my credit report. 

Enclosed are all relevant documents, including copies of the certified mail sent to XXXX XXXX XXXX XXXX, and evidence of the disputed account with TransUnion. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving these distressing issues.
Product: Debt collection

There are XXXX separate accounts listed on my credit report. XXXX is a loan issued by XXXX and the other is a medical credit card issued by XXXX Bank. I have disputed both of these accounts. I never received a loan & the medical card was issued to my mother. Both accounts have now been sold to a Midland Funding , LLC & they call at all hours of the day & night and start yelling as soon as I answer. They call while I 'm in school. I 've told them the accounts are not mine and I 'm not sure how they got my phone number as I 've never applied for them. I was in High School when the loan was issued & I 've never had more than a part time job between semesters. I 've tried to explain this to them but they wo n't listen.
Product: Checking or savings account

Subject : Consumer Complaint - XXXX XXXX XXXX XXXX XXXX. 

Dear Team, I am writing to file a consumer complaint regarding a recent transaction with XXXX XXXX XXXX XXXX XXXX, a company located at XXXX XXXX XXXX, XXXX, CA XXXX. 

I placed an order for an XXXX  part with XXXX XXXX XXXX XXXX XXXX, for which I paid {$1500.00}. However, after XXXX weeks, I was informed that the item could not be sold at the initially agreed-upon price, and the company demanded an additional {$3000.00}. I declined to proceed with the purchase and requested a refund of the original amount paid. 

The company stated that they could only issue a refund via check, as opposed to a bank transfer or credit card refund. Despite this assurance, I have not received the promised check, and the company has ceased responding to my emails. This situation has left me concerned that I may be a victim of fraudulent practices.

Below are the details of the transaction : Company : XXXX XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX, XXXX, CA XXXX Product : XXXX  part Initial Payment : {$1500.00} Requested Additional Payment : {$3000.00} Refund Method : Promised by check I believe that the company 's actions constitute deceptive business practices and a breach of our transaction agreement. The failure to provide the agreed-upon refund and the lack of communication raise significant concerns about the legitimacy of their business practices. 

I kindly request that the Federal Trade Commission investigate this matter and take appropriate action to ensure consumer protection. I have attached relevant documentation, including proof of payment and correspondence with the company, for your reference. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX