23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Requested a copy of my consumer file. Proof of my identity was sent. ( Utility bill, Copy of SSN and DL ). Did not receive my consumer file but a letter stating " Unable to Process request "
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of these inquiries 1. Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 2. Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 3. Invalidated/unauthorized inquiry please delete from my credit report. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 4. Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 5. Invalidated/unauthorized inquiry please delete from my credit report. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 6. Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 7. Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 8. Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 9. Invalidated/unauthorized inquiry please delete from my credit report. XXXXL Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 10. Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 11. Invalidated/unauthorized inquiry please delete from my credit report. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 12. Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 13. Invalidated/unauthorized inquiry please delete from my credit report. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 14. Invalidated/unauthorized inquiry please delete from my credit report. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 15. Invalidated/unauthorized inquiry please delete from my credit report. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 16. Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 17. Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 18. Invalidated/unauthorized inquiry please delete from my credit report. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file.
Product: Checking or savings account

On XX/XX/XXXX I was called by a man impersonating Chases fraud department. He was able to execute a fraudulent wire transfer to XXXX XXXX totaling {$7800.00} from a joint checking account that my wife and I have with chase. We contacted chases fraud department on the evening of XX/XX/XXXX to file a claim. We were told that they would contact us in 3-5 business days with the result of their investigation. After waiting 8 business days I called their fraud hotline to get an update and was informed that they had closed their investigation due to the transaction being authorized by me. When I asked why I would authorize a transaction and file a fraud claim they told me that they could try to recall the funds. 2 business days later I called the wire research department to be informed that the receiving bank said that the funds were not available duh On XX/XX/XXXX I went to a local branch and spoke with a banker that agreed with me that chase had dropped the ball. She was able to kick my case up the chain to the branch escalation department. I received a call from the branch escalation department on XX/XX/XXXX who assured me that they would re open the investigation and do what they could to get my money back. On XX/XX/XXXX the branch escalation department called me again to inform me that they had tried again to recall the funds but the receiving bank had once again said that the funds were no longer in the account. I asked why the claim was closed since this was fraudulent and they informed me that because I was targeted by a scam that this was not fraud. I just want chase to fulfill the purpose of a bank and refund my money that they failed tremendously to protect.
Product: Credit card or prepaid card

Kay jewelers sued me to court for debt owned, sold my debt without proper approval from consumer and debt was satisfied with law firm ( XXXX, XXXX, XXXX ) hired by Kay jewelers. Kay jewelers is still sending me invoice of debt owned even after account is cleared out and no other payment is owned. This is violation as account is being paid off, court case is being dismissed as law firm received every payment requested. 

15 U.S. Code $ 1679c states I have the right to dispute inaccuracy on my credit report. If inaccuracy is found, the credit bureaus must remove inaccurate item on credit file.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C.

1681 ) Consumer may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after the harmful behavior or within five years after the harmful behavior occurs.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered the presence of fraudulent accounts. As a victim of the XXXX  XXXX data breach, my personal information was utilized to create these unauthorized accounts. Kindly remove them as they are adversely affecting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD A CREDIT CARD WITH XXXX XXXX XXXXXXXX XXXX BACK IN XX/XX/XXXX. THE PROBLEM I AM HAVING IS THE DATE OF DELINQUENT DATE THEY HAVE RE AGE THIS DATE SO THIS ACCOUNT CAN STAY ON MY CREDIT REPORT LONGER THEN IT SHOULD. THIS ACCOUNT SHOULD OF BEEN REMOVED OFF OF MY CREDIT REPORT BUT IT STILL SHOWING ON THERE. I HAVE A COPY OF MY EXPERIAN CREDIT REPORT DATED XX/XX/XXXX WHICH EACH MONTH ACCORDING TO XXXX XXXX XXXX THEY HAVE REPORTED MY CREDIT CARD ACCOUNT EACH MONTH TO THE CREDIT BUREAU. ON THIS REPORT IT SHOWS AS FOLLOW XX/XX/XXXX I WAS 30 DAY LATE ON MY MY CREDIT CARD PAYMENT AND ALSO I WAS BEHIND ON MY CREDIT CARD ACCOUNT AND I WAS NOT CURRENT SO THAT MONTH WOULD SHOW THAT DATE IS MY DELINQUENT DATE. SECOND ON THAT SAME REPORT IT SHOWS THE ACCOUNT WAS CLOSED IN XX/XX/XXXX AND XX/XX/XXXX THEN ON THAT SAME REPORT IT SHOWS 30 DAYS LATE FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX 60 DAYS LATE FOR THE MONTH XX/XX/XXXX, 30 DAYS LATE FOR THE MONTH XX/XX/XXXX 60 DAYS LATE FOR THE MONTH OF XX/XX/XXXX LATE FOR THE MONTH AGAIN WITH NO PAYMENTS FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AND THE ACCOUNT WAS CLOSED AGAIN XX/XX/XXXX.. ON EXPERIAN CREDIT REPORT FOR XX/XX/XXXX XX/XX/XXXX ON EXPERIAN CREDIT REPORT XX/XX/XXXX AND XX/XX/XXXX. I ALSO INCLUDED A COPY OF A LETTER THAT WAS SENT FROM XXXX XXXX XXXX XXXX  XXXX THAT DIS INVESTIGATION ON MY COMPLAIN AND THEY CONTACT XXXX XXXX XXXX XXXX AND IT STATED AS FOLLOW TEH ACCOUNT WAS SUSPENDED FOR USE BECAUSE I WAS GREATER THEN 90 DAYS LATE DELINQUENT AS SHOWN ON MY EXPERIAN CREDIT REPORT DATED XX/XX/XXXX. THE DELINQUENT DATE THAT SHOWS XX/XX/XXXX AND 7 YEARS FROM XX/XX/XXXX FOR THE MONTH OF XX/XX/XXXX IS XX/XX/XXXX WHEN THIS ACCOUNT SHOULD OF BEEN REMOVED OFF OF MY CREDIT REPORT. THIS CREDITOR HAS RE AGE THIS ACCOUNT AS SHOWING THAT THE DELINQUENT DATE ON MY CREDIT REPORT IS XX/XX/XXXX, BUT GOING BACK TO THE LETTER THAT SHOWS THAT THE ACCOUNT WAS CLOSED XX/XX/XXXX BY XXXX XXXX BUT IT SHOWS ON THIS LETTER THAT THE ACCOUNT WAS CLOSED PERMANENTLY ON XX/XX/XXXX. SO AT THAT TIME THIS ACCOUNT WAS ALREADY BEHIND WITH A BALANCE AND IT WAS NOT CURRENT. I HAVE INCLUDED MY STATEMENT FROM XXXX XXXX XXXX XXXX THAT SHOWS STARTING ON MY CREDIT CARD STATEMENT DATED XX/XX/XXXX IT STATES AS FOLLOW TOTAL MINIMUM DUE IS XXXX SECOND YOUR ACCOUNT REMAINS XXXX PAST DUE AND YOUR ACCOUNT IS CLOSED
Product: Credit reporting or other personal consumer reports

Ive recently noticed that my credit report does not reflect my correct personal information, and this error has led to unknown and inaccurate accounts appearing on my credit. This situation is not only frustrating but deeply XXXX and XXXX. Its incredibly unsettling to see these inaccuracies impact my financial reputation, especially when Ive done nothing to warrant them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED MULTIPLE DOCUMENTS TO ALL OF THE CREDIT REPORTING AGENCIES ABOUT THE INACCURATE AND FRAUD RELATED INFORMATION THAT IS REPORTING TO MY CONSUMER REPORTS. I AM LISTING BELOW ALL OF THE VIOLATIONS UNDER THE LAW THAT HAVE BEEN COMMITTED AGAINST ME.. FROM SPEAKING WITHNMY CONSUMER ATTORNEY I AM TO BE COMPENSATED FOR EACH ACCOUNT REPORTING UNDER THIS LAW.

( 1 ) Respondent furnished inaccurate information about consumers credit to Consumer Reporting Agencies ( CRAs ) that it knew or had reasonable cause to believe was inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent, in furnishing on certain consumer accounts, failed to provide to CRAs the date a delinquency commenced, in violation of 623 ( a ) ( 5 ) of the FCRA,15 U.S.C. 1681s-2 ( a ) ( 5 ) ; ( 3 ) Respondent failed to conduct reasonable investigations of consumer disputes or to do so in a timely fashion, in violation of 623 ( b ) ( 1 ), 623 ( a ) ( 8 ) ( E ) ( i ), 623 ( a ) ( 8 ) ( E ) ( iii ) of the FCRA, 15 U.S.C. 1681s- 2020-BCFP-0021 Document 1 Filed 11/12/2020 Page 2 of 36 2 ( b ) ( 1 ), 1681s-2 ( a ) ( 8 ) ( E ) ( i ), 1681s-2 ( a ) ( 8 ) ( E ) ( iii ), and 1022.43 ( e ) ( 1 ) and 1022.43 ( e ) ( 3 ) of Regulation V, 12 C.F.R. 1022.43 ( e ) ( 1 ), 1022.43 ( e ) ( 1 ) ; ( 4 ) Respondent failed to make determinations or provide the required notices to consumers that their disputes were frivolous or irrelevant and did not require investigation, in violation of 623 ( a ) ( 8 ) ( F ) of the FCRA, 15 U.S.C. 1681s- 2 ( a ) ( 8 ) ( f ) ( ii ), ( iii ), and 1022.43 ( f ) ( 2 ) of Regulation V, 12 C.F.R. 1022.43 ( f ) ( 2 ), ( 3 ) ; ( 5 ) Respondent failed to establish, implement, review or update reasonable policies and procedures regarding its furnishing of consumer information to CRAs in violation of 12 C.F.R. 1022.42 ; and ( 6 ) Respondent, as a covered person engaging in violations of a Federal consumer financial law, violated the Consumer Financial Protection Act ( CFPA ), 1036 ( a ) ( 1 ) ( A ) of the CFPA. 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the CFP A, 12 U.S.C. 5563, 5565,
Product: Credit reporting or other personal consumer reports

Transunion is reporting that my XXXX account was late in XXXX which is inaccurate. Ive disputed this multiple times and they continue to say its verified but XXXX said that they didnt verify it. XXXX sent me an email stating the payment was reported on time. I filed a dispute with the proof of payment as well as the letter from XXXX and Transunion still says its correct as late.
Product: Credit reporting

I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/15 on EXPERIAN. I did not authorized anyone employed by this company or at this company or EXPERIAN to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that EXPERIAN remove the unauthorized and fraudulent hard credit inquiry immediately from my EXPERIAN credit file.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to address my dispute regarding unauthorized inquiries within the legally mandated timeframe. On XX/XX/XXXX, I sent a detailed and time-stamped dispute letter ( attached ), supported by an FTC Identity Theft Report, requesting the removal of specific unauthorized inquiries from my credit report. Despite providing clear evidence and following proper procedures, Transunion has failed to acknowledge or resolve the issue. Under XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), Transunion is required to investigate and correct disputed information within 30 days. It has now been over 90 days, and no corrective action has been taken, which constitutes a clear violation of the FCRA. The following inquiries were unauthorized and must be removed from my credit report : 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

primary account from XXXX finance not reported
Product: Credit card or prepaid card

Today I was sent a notice of adding more fees to my already ridiculously high fee schedule. I have paid over XXXX $ to this company in fees for withdrawing my OWN money whilst also incurring fees from the ATM holder. Now they've updated that as well and changed the entire network of ATMs to ones that are scarce. They're forcing us to pay these ridiculous fees and all I was told was I could close my account. This is preposterous and illegal!! Taxation without representation is a crime. These fees may as well be considered a tax for being poor or having a financial prison for those who don't wish to have a traditional bank account due to lax cyber security surrounding identity theft and fraud, a headache that many do not want and chose prepaid as an optional replacement. How is this getting by with anyone? 
If I'm going to be bound to pay these fees, I should XXXX well be able to speak to a person in AMERICA who speaks ENGLISH and can Understand me, not to mention the level of service is NON existent. Why is this ok?
Product: Credit card

I have attempted to conant Discover through their Secure Message Center. They will not answer my questions. They simply replay to the with the same canned message each time so I know they are not reading the question ( s ) posed. Ticket Number XXXX.
Product: Checking or savings account

while on vacaction On XX/XX/2024, I contacted Wells Fargo regarding an unauthorized purchase from XXXX XXXX I saw was pending on my checking account. I wanted to try and stop that transaction from going through. The Bank Representative said he couldn't stop transaction and suggested I cancel my debit card, and, file a claim to dispute charge which I did. He proceeded to tell me I would be given a Provisional Credit until dispute was resolved. On XX/XX/2024, I contacted XXXX XXXX and was refunded my money. I then immediately contacted Wells Fargo to withdraw complaint due to refund at which time i was told to call the Claims department on, Monday, XX/XX/XXXX, because they were closed. Wells Fargo is stating that Credit posted on XX/XX/2024 and received the credit which I never financially did although it appears I did on there end. The money was deducted from my account if they would do the math of transacation 's and balances they would see it's a computer error. I have made numerous call 's aswell as going into a Wells Fargo Branch to get this rectified. 
on XXXX XXXX, XXXX, I recevied what I thought was my refund for the money they deducted mistakingly. Today, XXXX XXXX, I received a letter from Wells Fargo stating their taking money on XXXX XXXXXXXX XXXX, from my account once again for the Credit I received on XXXX XXXX, XXXX which clearly should have been my refund. I have screenshots of my online banking account that differs from what they're stating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to obtain the annual credit report online using XXXX. I was given the reports by XXXX and XXXX, but was not given one by Experian. They recommended using phone number, calling the number given a PO Box to send request, which is not acceptable service.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Checking or savings account

I filed a previous complaint about missing funds. A charge was made in the amount of XXXX from XXXX XXXX on XX/XX/2019. I wasnt at the gas station that day.
Product: Checking or savings account

In the past I have addressed the fact that there were no warnings given for declines or impending fees. And when there are declines the declines were erased from history so I didnt know what was declined, I just accrued an abundance of fees. Sometimes the fees accrued and took up what could have covered some of the cost of of a payment that was declined.
Product: Debt collection

To : Consumer Financial Protection Bureau. This is to inform that I disagreed entirely with XXXX XXXX XXXX XXXX ( XXXX ) XXXX company 's answer because they stated that I received a letter from Toyota Financial Services dated XX/XX/XXXX saying there is a charge for missing key when I never received any letter. 
My default was inadvertent and reasonable since I was never properly served and did not have knowledge of this action. Also in my effort to resolve this issue with Toyota Motor I went personally to the XXXX XXXX at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, NY XXXX, and returned the second XXXX XXXX car key and gave it to the Sales floor manager. 

Also I contacted XXXX Toyotas dealer after returned the car key to be sure everything was OK and I spoke with another floor manager by name XXXX who was rude, and talking to me in very inappropriate manner refused to help me and I had to disconnect my conversation with this person. 
I am not a happy customer at all and After I finished my current lease I am not leasing or buying anymore vehicles with Toyota Motors or  XXXX XXXX ; and I am still disputing this charge on my name because is incorrect and not acceptable. 
I am very concern about any negative mark on my personal credit report. 
because they sound not be reasonable and careless. I appreciate any assistance on this matter. Thanks
Product: Money transfer, virtual currency, or money service

CHASE bank failed to disclose warnings to me prior to transferring money via XXXX
Product: Debt collection

PARAMOUNT RECOVERY SYS is claiming that I owe them {$630.00} with an Account Number:XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these hard inquires on my credit report. I have submitted a claim of identity theft in regards to them and reached out to each company. 

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

Equifax was hacked and their tool at XXXX indicated that my information may have been compromised.
Product: Debt collection

I have a collection on credit report from Sunrise Credit Services and on XX/XX/XXXX I mailed a validation of debt letter to the collection agency to provide me with validation of this debt also disputed it. The collection agency has not provided the validation of debt as I request and to cease all collection efforts on this and to remove any negative on my credit report to be removed.This collection agency continues to report this on my credit report. This is not my debt nor was I made aware of it.
Product: Debt collection

Hello, I have been dealing with a serious issue with the company FINANCIAL CREDIT NETWORK INC located in XXXX, California. This is company is a collection agency who has been coming after me for an alleged " debt '' they claim I owe them, but have not provided substantial evidence that we have a contractual agreement or any instrument of indebtedness in which I signed with them. I have been corresponding with them since XX/XX/XXXX via certified mail with return receipts and FCN has yet to fulfill my request. FINANCIAL CREDIT NETWORK INC has violated FDCPA laws by not validating their claim that I owe them a debt within 30 days then the matter between myself and FCN would be settled. Well there hasn't been any feedback from the company and they're still reporting the erroneous item on my credit report making it hard for me to engage in commerce. They have violated 15 usc 1692 codes c through g violating my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC XXXX XXXX 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 # XXXX DATE OPENED XX/XX/year>
Product: Debt collection

My employer received a wage with holding document to garnish my wages. There is no court order for this garnishment and there is no debt owed and the credit bureau Experian will not remove this from the consumer report.