23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Since XXXX, XXXX, after an agreed mediated settlement for divorce, my es-spouse was awarded all business related credit card debts along with inventory. On XX/XX/XXXX, I spoke to personnel at PenFed credit union to advise of the settlement. I was told a certified copy with a judges signature would be required. Due to my ex-soouses delay, the decree was finally signed on XX/XX/XXXX. Between XXXX and present XXXX, Ive repeatedly submitted disputes via XXXX. I not only uploaded the documents through XXXX, but on XX/XX/XXXX, I physically went to PenFed Credit Union and hand delivered the documents. I was reassured this would be resolved. Despite my disputes, my contact at the bank, and provided copies of the certified order, my name remains associated as an authorized user only while my ex-spouse habitually exceeds the credit card/limit. XXXX continues to report the dispute is resolved and my status remains. Consequently, this continues to adversely affect my credit score. In good faith, I removed myself from a XXXX Bank business credit card and checking account and removed him from my personal accounts as an authorized user to prevent any potentially harmful impact on his credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, account XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency absolutely can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Once I disputed the XXXX on my credit report transunion made a total of XXXX changes which dropped my credit score XXXX points. I called XXXX and they corrected it. Once removed it went up XXXX points. Made my credit card payments on time. XXXX XXXX dropped my score XXXX points because my credit card decreased. I have a few credit cards that are XXXX percent paid off more than a month ago. They still say I owe on them and they are paid off already. Why would it drop if your making your payments on time
Product: Checking or savings account

I deposited {$10000.00} to Citizens Access savings account on XX/XX/2023. A few days later, I try to move more money into the account, to no avail. I call them and the customer service informed me that the bank no longer wanted to do business with me. He gave me no reason why. But I no longer could deposit or take out money from the account. He said the account would close in a few days and the money would automatically go back into the account it came from. Nothing happens, I do not get my money back so a few weeks later I call again, the guy says I have to wait a little longer but it will close and the money will be transferred. Again, no action is taken on their part. I called last week around XX/XX/XXXX and spoke to someone named XXXX who said my account was in the Frauds department ( no idea why its in the frauds department now! ) and theyre going over my account, she said she would put a note in my account to expedite the process. I call again yesterday ( XX/XX/2023 ) the lady I spoke to said they need proof of the bank account where the money came from before they can give me my money back. I fax them a copy of my statement. I am just beyond frustrated of not having access to my emergency fund for over 2 months. This must be an illegal practice to have my money held hostage like this.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

I have fraudulent accountS on my credit report, which I reported to MIDLAND CREDIT MANAGEMENT, yet MIDLAND CREDIT MANAGEMENT is not removing these fraudulent accounts. MIDLAND CREDIT MANAGEMENT has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The followings are the fraudulent accounts : MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX, XXXX. XXXX, XXXX. XXXX.
Product: Credit card or prepaid card

In early 2022, I opened a Target XXXX XXXX XXXX I was given a credit line that was insufficient for my needs and was told that if I prepaid ahead of charges I would a ) be able to spend more, and b ) would accelerate and increase the likelihood of recieving automatic credit line increases. 

I made a payment in-store via prepaid debit cards that do not allow credits after activation. 

My last payment was made in XXXX of 2022 totaling {$22000.00} -- XXXX payments in the amount of {$490.00} per prepaid debit card. The payment was made in-store. 

Not long after Target called me and informed me that my account was closed for excessive payments, despite the phone rep telling me that it was an approved method for increasing spending power and was viewed as a positive action by the bank. 

They informed me that they would be refunding the credit balance on the account via a check to the mailing address on file. The prepaid debit cards have been disposed of and they do not accept credits after the initial activation. 

Months after the incident Target informed me that they decided to return the payments to the original payment method despite them having to go out of the way to do this and process 46 individual refunds. This is inconsistent with standard practice, both for Target and for the industry standard. After the funds have cleared and the hold period has elapsed, a check is typically issued to the address on file. Target refuses to correct their mistake and says that I need to call the prepaid debit issuer. Target went out of their way to cause this issue, will not even provide proof that the funds were sent, and will not issue the check they had promised to issue as of Saturday XX/XX/2022. 

The reps claim that this is standard practice in instances where they refund a credit balance on the account, however that is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was open fraudulently with XXXX as the original creditor who than sold the account to XXXX XXXX XXXX a collection agency. I have contacted them many times and informed them of the fraud. The major credit reporting agencies have agreed to remove the account. The account still remains as a negative trade line on my Experian credit file. This needs to be corrected as Ive received correspondence that they will remove the account and still havent!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX Capital One has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I was never late on account listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit profile. This is an invalid late payment. The FCRA allows 30 days for this to be rectified.
Product: Checking or savings account

On XX/XX/2021 we noticed a {$300.00} transaction from XXXX XXXX XXXX was approved and pending on our account. We immediately called Chase and notified them of the fraud and to get a new debit card number. This all happened ok except having to wait an hour on hold and being disconnected multiple times. 

I thought everything was ok and we watched the account for the outcome of the pending transaction. Would it fall off or post? If posted we knew more follow up would be required. As we waited, we were using the remaining debit card as the other was shut off. On Sunday, XX/XX/XXXX we withdrew funds from an ATM to purchase our XXXX son a puppy. I got a text from Chase fraud asking if I attempted the transaction. I replied yes and Chase acknowledged my reply. Next, Chase restricts my account and will not allow access to my remaining funds. I am being treated like a criminal instead of a victim of fraud. I have tried to call multiple times. The average hold time is an hour and a half. The agents do not try to help or offer anything. We get disconnected in hopes we dont have time to wait another hour and a half. We tried the branch no help there just to call the fraud department. Well thats more wait times over an hour and the agents just transfer us around with more exorbitant hold times. The bank is willfully understaffed. 

I need someone to resolve this. I just need someone to help me. I hope the cfpb can get someone to help and address their service levels. 

At this point, I dont know if I want to continue business with them. I just want what is rightfully mine. It is criminal to hold someones money hostage without being able to talk to a person without spending hours upon hours on the phone.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I used a prepaid American Express card called Bluebird on XX/XX/2018 to pay for a deposit on a rental car while my insurance company paid for the actual rental. My account with XXXX XXXX XXXX was closed 5 days later when the car was returned without damage on XX/XX/2018. I contacted both XXXX and Bluebird a week later when the hold of {$57.00} was not released. I was told by a Bluebird customer service rep that XXXX needed to have their merchant service provider perform a manual release so they could remove the hold. I did that twice. XXXX stated today that their policy is to hold the funds for 30 days, always. They said although the merchant service provider may issue a manual release, the Bluebird system does not recognize it and will always hold the funds for 30 days. I believe they are fraudulently refusing to let their system accept a manual release in order to collect interest on the money of millions of customers for 30 days regardless if they funds have been released by the merchant. They stated their contract allows them to do this. I believe this contract is fraudulent and wrongfully allows them to withhold funds from cardholders. I have spoken with at least 7-8 customer service reps and their supervisors, each with a different story. Two-three said the funds will be released in the XXXX and the last person I spoke to today says the XXXX. Regardless of the date, the whole process is wrong. They do not accept any automatic or manual release of the hold on the card if used for a car rental.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. This account [ XXXX XXXX XXXX ], [ XXXX XXXX XXXX ] is not complete and is not accurate. 

XXXX XXXX XXXX Last reporting is reporting correctly date active is not correct this report is not accurate XXXX XXXX XXXX is not reporting correctly and accurate and this account has been deleted from my XXXX Report. 

I sent in a letter on XX/XX/year> asking them to reinvestigate these accounts [ XXXX XXXX  XXXX ] [ XXXX  XXXX XXXX ] here is the tracking number XXXX I got the investigation back but noticed nothing was modified or updated. 

So i requested for the description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 They also in violation of 15 USC 1681i ( 5 ) Can you look into this matter
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my consumer XXXX credit report and noticed I had a fraudulent account on my report. Please remove this account immediately. I have submitted an FTC theft affidavit report number XXXX.
Product: Credit reporting or other personal consumer reports

This is not accurate. 

XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I mailed Experian a dispute to investigate and determine the completeness an or accuracy of some accounts reporting on my consumer file. Instead of Experian adhering to 15 USC 1681ia1a ( g ) Experian sent a letter report # XXXX dated XXXX denying my request due to accusations of the dispute not coming from me [ XXXX XXXX XXXX XXXX Without having or providing proof and no existing laws or statues currently supporting Experian 's reasoning not to comply with dispute request, this simply is wilful noncompliance and violates 15 USC 1681 ( n ) and must be held accountable for. Unless Experian can provide proof the dispute didn't come from [ XXXX XXXX XXXX ] then they must be held liable.
Product: Credit reporting or other personal consumer reports

Inaccurate info on credit report from THE BUREAUS , INC . 
XXXX XXXX XXXX # XXXX, XXXX, IL claiming that I rented an apartment at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX and owe {$510.00} I have never, ever lived in Florida. Apparently, some crook rented an apartment in my name and was paying and left owing {$510.00}. My credit is horrific and its baffling they were able to infiltrate.
Product: Checking or savings account

Almost a months ago I revived a XXXX XXXX payment XXXX I learned can Not be returned. All of a sudden my account is frozen I cant get food for my kids to eat. Because they they wanted the XXXX back. Now Im overdrawn, this is. It a business account a XXXX should not be reversed. This is very wrong of chase. I want my XXXX Back
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX ( Original Balance : {$3500.00} ) XXXX XXXX XXXX # XXXX ( Original Balance : {$3000.00} ) XXXX XXXX XXXX # XXXX ( Original Balance : {$2000.00} ) XXXXXXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

I do n't believe I had this account with bank of america in 2014 as recorded on my record for account abuse with a charge off of XXXX dollars. Would like to see prove of this account. I have never been to Missouri to any bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I see I was penalized with 2 late payments at the beginning of this year. Unfortunately, I was going through financial hardship dealing with Covid-19. During XX/XX/2021 and XX/XX/2021. As you can see, I have perfect credit payment history beyond those 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I called Equifax 's customer service phone number to request a copy of my credit report. I was told that there was information I responded to that did not match what Equifax had on record. I was instructed to fax a copy of photo id, social security card, and a current pay stub. All was provided the same day. 

I waited thirty 30 ( thirty ) days, and still did not receive a copy of my report. On XX/XX/2019 there was a request for separation from employer information submitted by the NJDOL Unemployment division. There was a fraudulent claim submitted under my name and social security number. I immediately contact the fraud division and had the claim terminated. 

On XX/XX/2019, I submitted a copy of the letter I faxed to NJDOL to Equifax to prove that my identity has been compromised. Still no copy of my credit report was released. On or about XX/XX/2019 I resubmitted my proof with a copy of a letter I received from the Department of Labor, verifying that my identity had been stolen via fax to Equifax ; still no copy of my credit report was released. 

Upon researching the FTCs website concerning Equifax 's data breach, I discovered that my identity was one affected. I claimed the {$120.00}. On XX/XX/2019 I submitted a letter to XXXX XXXX XXXX Request Service @ XXXX XXXX XXXX XXXX, GA XXXX with copies of all my proofs in writing for a copy of my elusive report ; to no avail. 

On XX/XX/2019, I received a letter from Equifax Information Services, LLC XXXX XXXX XXXX XXXX, Ga XXXX acknowledging my request for my credit report, however ; demanding another copy of my photo id ; social security card ; W2 and or pay stub be resubmitted in writing via mail. Said letter also claimed that I must submit documentation for a CURRENT MAILING ADDRESS, which is an address I have not lived at for over a decade. Again I released documentation with my TRUE CURRENT information. 

On XX/XX/2019, I received a phone call from one XXXX XXXX Credit Card regarding a delinquent account. I received the account number for same, after explaining to Ms. XXXX XXXX that my identity had been attacked as a result of a data breach, and that the credit account in question was a fraudulent one. I was instructed to submit my documentation in writing with a letter explaining what happened via fax, so that the account could be marked as fraud and closed. I obliged. A copy of said letter was also faxed to Equifax, with ANOTHER copy of all documents submitted since XX/XX/XXXX. Still to date, I HAVE NOT RECEIVED A COPY OF MY ANNUAL CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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