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

Around XX/XX/2021, my Discover Card was being declined. I had just paid the balance in full. When I contacted them I was given very evasive answers and given a number to call the next morning. In the mean time I tried to gain access to my account online. It was denying me access. When I did call the number the next morning I encounters more avoiding of my questions, yet was able to uncover that Discover wanted to " just verify the information I had given them was correct. '' I asked what reason they had to think it wasn't, my account is paid on time in full. Then an email comes demanding I grant Discover access to my IRS  filings and if I do not they will shut off my credit in 5 days. No warning no reason, just a {$19000.00} credit line gone.
Product: Checking or savings account

My debit card, credit card, identification, and phone were stolen. I reported the card stolen to the bank immediately after calling the police and was told they would investigate fraudulent charges. My dispute was declined and no reason was given, I asked to speak with someone and provide more detail since it was stolen and replaced and they told me they would send a letter. The letter only said that the bank would not reverse the charges that had been made. This was Citizens Bank in NH.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$1400.00} Date Opened XX/XX/XXXX XXXX Card Date Opened XX/XX/XXXX Balance {$11000.00} Capital One Date Opened XX/XX/XXXX Balance {$6200.00} **Inquiries** XXXX ( Finance ) XX/XX/XXXX 2024
Product: Mortgage

This is the XXXX time. I sent you an e-mail to no response. This is XXXX XXXX. Address XXXX XXXX. XXXX, NM XXXX. I called several times about assistance and payment help. I called about getting a forbearance. I was lied to by customer service. I tried to get assistance to no avail. Please call me at XXXX XXXX XXXX or email at XXXX.
Product: Credit reporting or other personal consumer reports

I went to annualcreditreport.com and request my credit reports from all 3 credit bureaus and the only one that gave me trouble was transunion. I tried on 2 occasions and even called the number provided on the site. They did not send me a copy of my credit report
Product: Credit reporting or other personal consumer reports

, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and 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 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: Checking or savings account

Wells Fargo opened bank accounts in my name. ie ; Savings, checking, trust. Per their admission they opened 15 accounts without my knowing. I filed a complaint for mediation on XX/XX/XXXX thru Mediation Request Form. I have been assigned a claim number XXXX thru Wells Fargo. Mediation company, XXXX, XXXX XXXX, Case Administrator, XXXX XXXX XXXX. They set up an arbitration call on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The first 3 calls were not attended by Wells Fargo. I wrote to XXXX and complained that it was unfair to set up these appointments and Wells not attend. They attended on XX/XX/XXXX. I was offered {$3000.00}. for two accounts opened without my permission and I asked if there was money in these accounts. Ms XXXX said there was no money and the two accounts were not activated. She then said that I had opened 15 accounts. The call was attended by XXXX XXXX- Wells Fargo , XXXX XXXX , Mediator and XXXX XXXX Claimant . the case number is Wells Fargo Case # XXXX. At this meeting, I complained that I had no information in front of me to see what she was talking about. I don't believe the mediator had any information. Ms XXXX asked the mediator if she could have a caucus in private and Ms XXXX came back on the line and advised that they agreed that I needed to have the information presented. I received the information in a box with a lot of paperwork. I believe the accounts are a forgery. It is not my signature but something printed and changing on some of the accounts. I asked how I could open 15 accounts with no money. I never received any bank statements and if I had not gone into the bank to open a HUD approved 501C3 account I would never have known about these accounts. This information was done in front of the Board, they also told the President he had a problem with the IRS. The banker told me that they were forced to open the accounts and the two accounts that she advised me were overdrawn and was the reason why we could not open the bank account for our Non-Profit was due to my account being overdrawn {$8.00}. She then told me there was another account overdrawn for {$19.00} and she was sure that I didn't open those accounts and would give me the money. I'm not sure that I was given that money. Ms XXXX also said that I received a check for {$2100.00} dated XX/XX/XXXX. There was no explanation and I deposited in my checking account as I was being charged money for nsf checks. I spoke to a person in Risk Mgt at Wells,  XXXX at phone # XXXX who told me that due to the opening of accounts they would be sending funds to compensate for accounts XXXX and XXXX opened XX/XX/XXXX and XXXX and XXXX opened XX/XX/XXXX. I wrote down 2xXXXX, XXXX, XXXX. Compensation for $ XXXX+XXXX. and 2 year Identity theft. This is the most disgusting situation and I need help to solve. I don't know if the mediator is an independent mediator or works for Wells Fargo and protecting Wells interest. I would appreciate your help. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company is reporting canceled debt on my consumer report if we go to the IRS and we look at the IRS publication, the IRS defines a charge off or a 1099C as gross or ordinary income. Income does not get reported on the consumer report if income does not get reported on the consumer report why is a charge off being furnish as a debt and the IRS says by definition it is income this becomes an in accurate account, under 15 USC 1681 EB, which speaks on maximum accuracy of the consumer report it must get deleted [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with transunion 3 times now an account on my report. I have proof that the original account has been sold to another agency yet after transunions dispute investigation is complete they still refuse to remove or change the status of my account simply based on what the original debtor confirms. The original debtor is XXXX credit card and it was sold to XXXX XXXX XXXX, whom I've also spoken with and have received written communication from! XXXX XXXX XXXX ( XXXX ) XXXX spoke with XXXX on a recorded line where she specifically stated they bought this account from XXXX credit card
Product: Debt or credit management

Credit karma has set up an account for me without my consent.looks like it started XXXX or XX/XX/XXXX. XXXX emails so far. My score went up XXXX points how do they know? Now everybody knows. I can't stand them I don't need them pounding my NEW email with personal info that I don't want them to have. Just because you're a credit XXXX service doesn't mean you have the right to shove your credit XXXX services down my throat or clog up my email. I'm perfectly fine with my XXXX XXXX XXXX  and I know how to monitor my credit. Data breach = class action lawsuits. Tell them to XXXX XXXX and stay the XXXX  out of my reports. Thank goodness I've filed bankruptcy XXXX times and don't have to worry about identity theft. My complete social security number is on blast for the whole world wide web thank you child support enforcement agency. And according to social security it's ok for them to do that. XXXX XXXX XXXX But that doesn't mean I want credit karma pounding my email with good news on my credit that's trashed forever and ever. Tell them to mind their own business. Or I want a new social already. This is XXXX. Data breach what a XXXX term for we have an employee who wasn't honest and sold your info. Or child support forgot to buy a XXXX cent marker and REDACT. My social did nothing to improve my payments so XXXX. But yeah if you know any XXXX looking for instant XXXXXXXX XXXX go to the XXXX XXXX XXXX XXXX. All my info and every case is there for the taking. Thank you state of hawaii.Probably where credit karma got my info. XXXX XXXX XXXX look it up XXXX hawaii. Right on.
Product: Credit reporting or other personal consumer reports

This company added fraudulent information on my credit report. They sent a letter to my a relative home that I never lived and I requested documentation to have them prove of this account to me and they never sent anything back to me but added this to my credit report and I sent documentation to them way ahead of time and they never responded but added this to my XXXX credit report. These people are unethical. This account isnt mines and thats why they are doing this to me. I called the company too and they received my response
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the inaccurate information on my credit report. In accordance with 15 U.S.C 1681b and 15 U.S.C 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 
Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the in question to correct my credit report. 
Please address this matter promptly and confirm the removal of the disputed entries.
Product: Credit card or prepaid card

Dear XXXX XXXX Complaints, I have been waiting for almost 6 months for Citi Card to resolve my disputes with XXXX XXXX, initiated on XXXX. There are 5 disputes in all, regarding the same installation dispute. Oddly Citi was able to resolve two in my favor -- D # XXXX for {$300.00} and XXXX for {$60.00} -- but the last 3 remain stuck " in progress. '' I am very confused why, with the same extensive documentation, expert opinion and clear proof that smaller cabinets were installed than what I agreed to pay for, that these last 3 disputes remain unresolved ; D # XXXX for {$1000.00} ; D # XXXX for {$1200.00}, and D # XXXX for {$240.00}. XXXX XXXX will not respond, and neither will Citi. 

During this dispute process, Citi has lost documentation, closed some of the disputes for taking too long to submit evidence ( really? ) after I sent and resent all requested documentation numerous times in numerous ways -- and then reopened the cases after hours on the phone in protest. Despite 8 phone calls, I can get no closer to a full resolution. 

I have included many attachments below that show the time lines, along with all of the proof that I have submitted to Citi regarding Closet World 's failure to install what our contract stipulated, and a letter I sent requesting that all the documentation I sent be applied to all of the open disputes. 

Thank you, I truly hope you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my personal credit report, I noticed several unauthorized inquires had been made. I have disputed these inquires with you directly several times, with the most recent investigation resulting in you returning all these back as valid, less than 24 hours later, which indicates you did not due your diligence to thoroughly investigate my concerns. After having an Extended Fraud Alert on my credit file DURING THE TIME OF THESE INQUIRES which has now been converted to a Credit Freeze due to a recent theft in my personal information, I am requesting all the inaccurate information be deleted immediately. Furthermore, I sent a CERTIFIED LETTER w/RETURN RECEIPT regarding this and still have the inquires on my report. In light of the recent  hacking of EQUIFAX ( and the high possibility of my personal information being released ) in addition to the above information, I immediately request you delete ALL the inquires in the past 24 months from my report and BLOCK any future request for my file.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

We moved to Florida 3 years ago. Weve banked with a local bank, XXXX for over 10 years. They are in XXXX and have no branches in Florida. In XXXX I opened an account with fifth third hoping to transfer my banking to them. I have written multiple checks from the XXXX account into the fifth third account, one for {$4000.00} and one for {$5000.00}. Neither of those were held and the funds were available the next day. Over this past weekend I deposited a check for {$4000.00} as Ive done in the past and wrote a check for our rent on Monday for {$3200.00}. I noticed on Tuesday that the funds from the deposit were not available. I contacted fifth third and they told me they were on hold until XX/XX/XXXX! 10 days! They didnt notify me in any way. I called my local branch and spoke with XXXX. She said she would contact them and for me to send her copies of the canceled checks from the previous deposits. Not only did I send her those but I also sent her a snapshot of my XXXX bank statement showing that the {$4000.00} check from the weekend had already cleared my XXXX account. I also chatted with fifth third who arrogantly told me that the funds would be available XX/XX/XXXX and theres nothing that I could do. In addition, XXXX told me the same thing. They put the {$4000.00} deposit on hold with NO notification. They had not notified me, they had not alerted me in my online app, they had not emailed me, nothing. No communication at all that they were holding my {$4000.00} deposit from my personal account in XXXX to them for 10 days! They just put the funds on hold. So on Tuesday I sold stock in my investment account, took a capital game, and wired the money into the fifth third account. Subsequently they charge me a {$15.00} wire fee and bounced the {$3200.00} check! This was done on purpose as I have a 24 hour negative balance correction policy. These are the most arrogant people Ive ever dealt with. They were zero help in my funds as of tonight are still on hold. I left a message for a manager at fifth third today who didnt even give me the courtesy of a returned call.
Product: Credit reporting or other personal consumer reports

I have filed previous complaints about not being able to access my Equifax credit report online since XX/XX/XXXX. Equifax responded that they are aware of the issue, but have not fixed it as of today. 

I filed disputes online that I can not see or address as a result of the issue with Equifax 's internal online account issues. I have not been able to monitor and/or repair my credit report during this time. This has resulted in credit denials and higher interest rates for an auto loan. 

I've requested a report in the mail, but never received it. I can not reach anyone in a timely manner on the phone. The only way I can see my report is to pay for XXXX XXXX, which I pay for. I refuse to incur any additional delays and/or costs associated with monitoring and repairing my Equifax report XXXX I will NOT pay for postage and deal with months long delays via the mail. 

I've attached my XXXX XXXX report for all 3 credit bureaus, which indicates the following : XXXX XXXX  - XXXX - I HAVE PREVIOUSLY DISPUTED THIS ACCOUNT XXXX XXXX information on my credit report is not Metro 2 compliant *Equifax shows incorrect balance amounts *Equifax shows date last active as XX/XX/XXXX, but XXXX shows XX/XX/XXXX *Equifax shows date of last payment as XX/XX/XXXX, but XXXX shows XX/XX/XXXX *Equifax payment history is different than payment history on XXXX report NONE OF THIS MAKES SENSE - I'VE DISPUTED THIS SPECIFIC INFORMATION SEVERAL TIMES AND EQUIFAX CONTINUES TO RESPOND THAT THE INFORMATION HAS BEEN VERIFIED. IMMEDIATELY DELETE THIS ACCOUNT FROM MY EQUIFAX REPORT OR PROVE TO ME THAT EVERY PIECE OF INFORMATION EQUIFAX IS REPORTING IS ACCURATE DESPITE THE FACT THAT I HAVE INFORMED EQUIFAX OTHERWISE MULTIPLE TIMES. 

XXXX. XXXX - XXXX I HAVE PREVIOUSLY DISPUTED THIS ACCOUNT *not Metro 2 compliant *Equifax shows date last active as XX/XX/XXXX, but XXXX  shows XX/XX/XXXX *Equifax shows date of last payment as XX/XX/XXXX, but XXXX shows XX/XX/XXXX AGIAN, NONE OF THIS MAKES SENSE. I'VE DISPUTED THIS SPECIFIC INFORMATION MULTIPLE TIMES AND EQUIFAX CONTINES TO RESPOND THAT THE INFORMATION IS VERIFIED AND ACCURATE. IMMEDIATELY DELETE THIS ACCOUNT FROM MY EQUIFAX REPORT OR PROVE TO ME THAT EVERY PIECE OF INFORMATION EQUIFAX IS REPORTING IS ACCURATE DESPITE THE FACT THAT I HAVE INFORMED EQUIFAX OTHERWISE MULTIPLE TIMES. 

XXXX. XXXX XXXX - XXXX XXXXthis is not an auto loan- please verify the type of loan, and number of months 4. XXXX  - XXXX *does not appear to be Metro 2 compliant - please delete if it is not Metro 2 compliant 5. XXXX XXXX - XXXX XXXXi am not disputing this- please remove the inaccurate comment that states I dispute this account XXXX. XXXX XXXX - XXXX XXXXi am not disputing this- please remove the inaccurate comment that states I dispute this account SEND MY UPDATED REPORT TO MY HOME ADDRESS ON FILE WITH EQUIFAX. 

DO NOT SEND ME A DELAY LETTER ASKING FOR MY ID AND SS CARD. I HAVE ATTACHED TO THIS COMPLAINT MY CREDIT REPORT, DRIVERS LICENSE, SS CARD AND INTERNET BILL SO YOU CAN VERIFY MY IDENTITY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account # XXXX I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX XXXX account # XXXX This account is incorrectly reporting that I have XXXX late payments. On my transunion report there are XXXX late payments being reported. 

XXXX account # XXXX I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.
Product: Credit card or prepaid card

I have a complaint regarding regarding lack of notification. There are other problems that may not or may be able to be resolved with the institution themselves, but there is a problem that is impacting millions of other consumers and it needs to be addressed! 

My problem is that creditors are getting frightened by the economy and all of a sudden they are substantially reducing credit limits. I understand that they have a right to reduce credit limits without cause ( stated in their terms and conditions that they may do this at anytime ), but reducing credit limits on accounts that are in good standing and have been managed appropriately causes a hardship because it impacts the consumers CREDIT UTILIZATION. When credit limits are reduced, it causes high credit utilization, causing their credit score to drop significantly which in turn results in major negative impact because it lowers their scores and that lowered score harms the consumer because it : 1. Makes it difficult to get approved for credit 2. It causes the consumer to only be approved for credit products with less suitable credit terms ( higher interest rates, large origination charges, etc. ).

3. Causes the consumer to have an increase in credit inquiries as they begin to seek credit elsewhere, furthering lowering their credit score and causes them to appear as a high risk borrower because of the multiple credit inquiries. 
4. Credit becomes inaccessible. 

I have recently experienced this with the following lenders who did not care about the harm they caused. They agreed I had managed my account well, but did nothing to assist. Yesterday, XX/XX/2023 JPM Chase told me that although I had managed my account well, they saw negative activity that caused them to have concerns so they reduced both credit card limits on two cards I had for 17 years with their company : 1. JPM CHASE : 2 accounts # XXXX : bal. {$1000.00}, original credit limit {$4100.00}, reduced to {$1400.00}. 
# XXXX : bal {$310.00}, original credit limit {$3100.00}, reduced to {$700.00} Interest is high : 29.99 %. I believe they were fine at allowing me to carry balances, but since my balances were relatively low on these cards, they were no longer making a lot of money, so they harmed me by pushing me into high utilization, which will ultimately lower my score. In addition, I received NO written advance notice, that would have given me time to pay down the cards to perhaps minimize the damage to my credit score. They reduce my limits without warning on Monday XX/XX/2023. They violated The CARD ACT. The person I spoke to at CHASE told me it just happened the other day, you will get something in the mail soon from us. They are so uncaring. I had one late on one card a few years back because I was in the XXXX Other than that, I have not been late in these cards. 

So because they were unwilling to assist, I am forced to rush to get credit from someone else to pay them off in full along with other creditors so that my score doesnt further plummet.