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

I have contacted Trans union regarding fraudulent information being reported on my credit report. I have also submitted an FTC report to their company whom they signed forms of received XX/XX/XXXX tracking number XXXX the following items i included that are fraudulent are : XXXX XXXX opened XXXX XXXX, XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX Following inquiries are included as fraud as well : XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX : inquiry opened XXXX XXXX XXXX XXXX : inquiry opened XX/XX/XXXX Bankruptcy ; reported XX/XX/XXXX I don't authorize this information to be on my credit report since the courts don't report to the credit bureaus, id to see proof of accuracy. If you cant provide information that verifies the authorization of this information, it must be removed immediately. 
I have made several calls, sent disputes, and fax ftc report this company has signed they received my ftc report and its been 3 weeks and have not processed anything when they said it has to be processed in 5 days they haven't done anything to get this handled and completed.
Product: Mortgage

I received a postcard on   XXXX   XXXX   stating a check had been issued on   XXXX   XXXX  , 2017 in the amount of {$110.00} for a settlement payment in the case of www.BiasvWellsFargo.com Case No  XXXX  I never received the payment and when I called, I was told no re-issuances will be done per the settlement instructions.
As the consumer in this case, the settlement was to compensate for monies I was charged erroneously. Now, I ca n't receive the funds because I never received the check and they refuse to reissue. Where is the proof the monies were even sent? Could this be a way for them to pool monies from the settlement?
The representative on the phone works for   XXXX   XXXX   which is a 3rd party servicing center. She stated that the check was not returned to sender by   XXXX   XXXX   which voids my ability for reimbursement. There is no way to track the mail as it was sent either first or bulk mail.
Product: Credit reporting or other personal consumer reports

The persistent presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life, despite my numerous attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense XXXX  and XXXX  while severely impacting my financial stability and everyday wellbeing.
Product: Debt collection

XXXX   XXXX ,  XXXX  To Consumer Financial Protection Bureau : Complaint regarding  Southwest Credit  and  XXXX   XXXX   XXXX   XXXX  inappropriately reporting derogatory information on my credit file which at no fault of mine is adversely impacting my credit report and  credit score.      I called and cancelled  XXXX   XXXX   XXXX   XXXX  on approximately  XXXX   XXXX ,  XXXX . I directed them to send any refund or final bill to my new address which I clearly provided to them. They failed to do this and the subsequent statements continued to be mailed to my old address. Please note I paid my account on time the entire time I had service with them and I promptly returned their equipment.   Instead of calling me and/or emailing me ( they had both my phone number and email address ), they turned over a bill for {$96.00} to a collection agency.   When contacted by the agency, I provided my new address to them and asked them so send copies of the  XXXX   XXXX   XXXX  bill as it was never sent to me. Once I received the bill, I paid the balance.   I am appalled that due to the incompetence of  XXXX   XXXX   XXXX  not updating my address as I clearly instructed them to do, I am now wasting my time and others to resolve this issue. If they had handled my account correctly, I could have simply paid the bill. Despite their mistake, I am the one having my credit report impacted and having to spend my valuable time resolving. As I stated above, I paid my bill on time every month when I had service with  XXXX   XXXX   XXXX  and I have ZERO late payments on my credit report ( and never have ) except for this ridiculous entry.   Please have this entry removed immediately from my credit report and provide written confirmation that this has been done.
Product: Vehicle loan or lease

Dear XXXX, XXXX AND OR XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are not accurate for the following items : Party Owed : XXXXXXXX XXXX Amount : {$13000.00} Account Number : XXXX Party Owed : XXXX XXXX Amount : {$2000.00} Account XXXX Party Owed : Bk of America Amount : {$60000.00} Account XXXX I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS " CONSUMER '' ACCOUNT. IT IS FRADULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. 

A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified. 

This letter is a request for you to explain to me how was this determined?
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX, NY XXXX XXXX Account # XXXX Date XXXX Balance Owed : {$21000.00} - XXXX XXXX Account # XXXX Date XXXX Balance Owed : {$30000.00} - XXXX XXXX  Account # XXXX Date XXXX Balance Owed : {$8200.00} - XXXX XXXX XXXX XXXX Account # XXXX Date XXXX Balance Owed : {$30000.00} - XXXX XXXX XXXX  Account # XXXX Date XXXX Balance Owed : {$12000.00} - XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} -XXXX XXXX XXXX XXXX  Account # XXXX Date XXXX Owed : {$6300.00} - XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I received an advertising mailer addressed to myself ( XXXX XXXX ) from Citizen 's Bank- stating Get up to {$600.00} on us. The mailer reads to use the QR code or go to the website to open your accounts and get your bonus ( mailer attached ). I open a Checking and Savings account online on XX/XX/year> and I received an email confirmation from Citizen 's Bank, on that same day. I was sent a debit card to access both accounts and banking information from Citizen 's Bank shortly after opening the accounts online. A few days after I was sent the debit card, I was unable to access the bank accounts online, which prompted me to call customer service, who then informed me that the back office team had disabled my online banking access. Left with no other option I went to the nearest Citizen 's Bank branch on XXXX XXXX, which is 20 minutes from my home and spoke with a branch manager ; XXXX XXXX. XXXX XXXX asked to see my driver 's license, social security card, asked for my employment information and informed me that the accounts I opened online were closed. I asked why the accounts were closed and he could not give me a reason, he said he didn't know and that he could open another account for me and I would still be eligible for the offer sent to me in the mailer to receive {$600.00} for opening a savings and checking account. I agreed to open the accounts, then gave the manager {$50.00} in cash, the accounts were opened and I received another debit before leaving the branch. I made sure to ask about online banking before leaving and was assured that the back office team were working on the online banking and it should be up and running within a day or two. I reluctantly left due to living 20 minutes away and not having any idea when I would be able to get back to the branch if I ran into any issues and the fact that online banking is so convenient, I wanted to make sure to have everything ironed out before leaving ; as I didn't trust that Citizen 's Bank was going to honor their advertisement nor care about the inconvenience they caused their potential customers. Furthermore, the reason why I was reluctantly to leave I know I would be the one to suffer behind Citizen 's Bank 's misleading business practices of taking consumers money to opens and then the customer has to wait to get their money back when Citizen 's Bank feel like mailing to you- all the while the customer ( I ) have wasted time, energy, money for gas, etc. just so Citizen 's Bank can meet a quota of the number of open accounts or any of company gain by sending deceptive mailers to consumer when they have no intention to give consumers the money they are advertising ; {$600.00} for switching banks.
Product: Debt collection

I had a summons to XXXX County General Sessions Court today regarding the plaintiff XXXX XXXX   vs XXXX XXXX. XXXX XXXX  mailed new a letter stating ; the account has been charged off and Zwicker & Associates is the business with the debt. The Tennessee Collection Service Board and Tennessee Commerce and Insurance Commissioner XXXX XXXX have repeated that they have no jurisdiction over Tennessee Foreign For Profit Corporations : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Zwicker & Associates. All of these companies are active according to the Tennessee Secretary of State. I have a court hearing on XX/XX/2020. I want to better understand the jurisdiction of these companies mentioned above. Who has the jurisdiction over Tennessee Foreign For Profit Corporations?
Product: Debt collection

I found multiple incorrect accounts on my credit report that seem fraudulent. Kindly block and delete them right away.
Product: Debt collection

This is so annoying & frustrating. Ive sent the credit bureau multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In the credit bureauss responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 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. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. Please remove this fraudulent account ASAP.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX for their failure to adequately validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). The details of the account in question are as follows : XXXX XXXX Account XXXX : XXXX XXXX XXXX : {$880.00}
Product: Credit reporting or other personal consumer reports

I have wrote and submitted documents to TransUnion regarding Fraudulent accounts and addresses. They in turn responded with false statements stating that I did not provide the necessary documents to block/remove this information. As provided in this complaint that is false.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX balance XXXX shows unpaid already paid in full XXXX XXXX is inaccurate balance XXXX, XXXX already paid in full XXXX XXXX, XXXX show balance last updated was in XX/XX/2023 this was paid in full- correct this information
Product: Checking or savings account

XXXX Reported several unauthorized transactions on my daughters high school checking account. Rep shared her access was cloned and disabled the digital wallets that were not hers. Debit card and online account was compromised. 

All disputed transactions were temporarily credited. All but one was settled. 

XX/XX/23 XXXX for $ XXXX no such contact in XXXX/ XXXX XXXX XXXX date on letter - Received notice that claim is denied based on investigation with XXXX. I called and was told XXXX determined that this was authorized by the account holder based on their research. I disputed that and was told I have to prove otherwise. I have no details of this investigation and know and they know her account was compromised/cloned in some way. 

They allowed someone to steal XXXX ( earnings from first summer job ) from a minor. I need information from them to fight this and they wont provide it.
Product: Bank account or service

I was a previous customer of Wachovia Bank ( now Wells Fargo ), XXXX, SC in XXXX. During this time frame I had a checking account with debit card associated with my account. My account was forcefully closed due to unauthorized debit purchases that result in an - {$750.00} in my account. I went to my local Branch during this time frame ( off of XXXX XXXX XXXX ) and spoke to the branch manager ( XXXX ) about my account. During this conversation, I was never given an option to file a claim, I was not show the transactions that were posted to my account that resulted in the overdraft, and the branch manager ( XXXX ) stated that there was no remedies for stolen card. 

I have been denied a new checking account since this incident since it was posted on my credit. I have now recently opened a new account and have been educated on the neglect that Wells Fargo did with my account, their neglect to inform me about my options, and their neglect to allow fraud transactions build on my account AND charge me overdraft fees.
Product: Checking or savings account

I made a mobile check deposit Thursday XX/XX/XXXX for a check I received from a settlement on a lawsuit from a previous employer where they paid out all employees based on a judges order. Upon mobile deposit the funds were available as well as my direct deposit from my job that I just got the day prior. When I went to use my online banking to pay a bill on Friday XX/XX/XXXX I was advised to call in which I did. I was asked to provide information on the check that day, I gave them all the information that I had. They let me know the funds should be released by the end of business day. That did not happen so I called back again on Saturday the XXXX and was advised I now needed to wait XXXX hours and they would let me know about the review. Upon calling again today XX/XX/XXXX a rude supervisor let me know the review was completed and my account was being closed. I asked how I can access my payroll funds as I was told legally they can not hold and she basically told me I have to wait 30 days and she can not tell me anything at all I just have to wait. I need those funds to pay my bills and she didnt help at all. Asked to speak to another supervisor to see how I can get the funds that are owed to me and was hung up on.
Product: Checking or savings account

Hello hope all is well. I have 19 insufficient fees taken from my account from XX/XX/XXXX thru XX/XX/XXXX. XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) Grand total is {$640.00} to Chase bank for overdraft fees. Tried calling but have not been able to get through. Thank you
Product: Debt collection

Source Receivables Management - XXXX, NC continues to try and collect a debt that was bought from XXXX that falls under my XXXX  XXXX filing. 
I have sent documents that show when they were sent the court order to cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized HARD Inquiries from Experian XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate late payments on my credit report. Under 15 USC 1681, Section 6, I have the right to privacy, and according to 15 USC 1681b ( a ) ( 2 ), my account information can not be furnished without my written instructions. Additionally, 15 USC 1666b states that a creditor may not improperly treat a payment on a credit card account under an open-end consumer credit plan. These rights have been violated, and I request the removal of the inaccurate late payments from my credit report. 

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

I had a joint credit card with XXXX XXXX with my ex husband. He has the debt per our divorce decree, it was paid up but he filed for bankruptcy in XXXX. He called them to pay it in XXXX and XXXX but was told the account was closed and no payment was needed. Then MY credit monitoring service showed the account as late this month. I called XXXX XXXX who said they were not legally allowed to notify me the account was behind but somehow they could report it negatively to the credit bureaus?!? Honestly the ex could have spoken to a person and got clarification on the payment but I certainly had no way of knowing it was behind, it is now paid up and I have a negative hit on my credit foe an account that was no longer mine to pay on which I got no notice AND a bankruptcy I did NOT file. In addition, of the 3 credit agencies I could not reach a person at Experian to file a dispute, disputes are pending at XXXX, XXXX, AND XXXX XXXX.
Product: Prepaid card

On XX/XX/XXXX, I charged my prepaid card in the amount of {$150.00} to XXXX XXXX XXXX XXXX. I stayed one night and checked out with no further incidentals. The room charges and fees came out to about {$40.00}, which I anticipated that coming out of the {$150.00}. The final refund should be {$110.00}.

I contacted Cashapp 1 week after checking out to inquire about the hold still pending and they stated there is nothing they can do before 31 days has passed do if the merchant doesnt resolve it. They advised me to reach out to the merchant because once the merchant releases the funds, the funds will be back in my account. 

I called the merchant ( XXXX ) on XX/XX/XXXX and they emailed me a copy of my XXXX  that shows they released the funds on XX/XX/XXXX at XXXX. They advised I contact cashapp because they no longer had the funds. 

I contacted cashapp again to ask where my funds were, because the merchant confirmed they released them. I sent them a copy of the XXXX  with this inquiry. Since then, I have been told that it take 10-14 days, or it takes 31 days, but one thing consistently stated is that there is nothing more I can do.

I called one last time and advised I would be filing a complaint due to these practices, and I was placed on a long hold and then subsequently hung up on.

I think this is unacceptable because Cashapp has no reason or justifiable cause to hold these funds when the merchant has released them. This is not a credit company. The funds were my own cash that I am entitled to, and they have given no reason why they are holding it and no estimated time I can expect my funds back outside of a 31-day window.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax avoided instituting basic security measures to ensure that consumers like myself would have their personal information protected and secure. As a direct and inevitable result, many people 's private information, including my own, has been stolen. As a credit report contains an incredible amount of significantly private and important information, having this information stolen has a terribly large impact on my affairs. Since Equifax completely avoided taking BASIC security measures, this large breach of trust requires a complaint.
Product: Credit card or prepaid card

I have a Capital One XXXX XXXX credit card. I accumulated XXXX reward points on this card. On XX/XX/2022, I received a letter from CapitalOne and informed me that the account was closed on XX/XX/2022 due to inactivity. However, this was the first time that CapitalOne contacted me regarding this account ( and I do have multiple accounts with CapitalOne ), and did not allow me an option to either keep the account open, or to redeem my reward points. I already contacted customer service, and opened a case # XXXX to request that I get the opportunity to redeem the reward. A few weeks afterwards, I got a letter in the mail stating that they would not allow me to redeem the rewards. Capital One unilaterally closed this account without proper notice to me, and by closing this account, Capital One refused to honor the XXXX reward points that I have accumulated. It is an unfair business practice to cancel member 's account unilaterally without proper notice in order to avoid honoring the rewards.