23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/22 I was notified a payment had been sent to an account I thought had been closed months earlier. I contacted the bank and they closed the account and said a payment would be issued for the full {$970.00}, I waited a couple of weeks before calling back due to not receiving the payment. A clerical error on their behalf went on for 2 months of me calling daily before they realized their mistake and at that time they stated I should get the check in 7-10 days. Once again I have no payment. I call daily and they state they are emailing back office to no response. Today I was told they have no updates their is no one to speak to and hung up on. I called back to be told notes are across 2 accounts and all mixed up and that now I need to wait until XXXX for my payment to even be issued and that after that it takes up to 60 additional days to get my check. Ive never gotten a call back from any supervisor as requested Ive put in a complaint almost daily after waiting on hold for over a hour EVERYDAY.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS.

Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from the entire account history were all on time. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from the entire account history were all on time. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these previously disputed items removed from my credit report immediately. Below, I have attached proof directly from the Equifax Data Breach Settlement website admitting I was a victim of the data breach and documentation and a claim has been filed. Equifax is still reporting these inaccurate items and violating the law. 
Please intervene to help resolve this issue with Equifax and remove these inaccurate items. 

Based on the information you provided, our records indicate your personal information was impacted by this incident. 

For more information, visit the FAQ page. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a letter from Well Fargo regarding them signing me up for identity theft protection, which they are supposed to refund. I called them XX/XX/XXXX spoke with XXXX and she said I would receive a check in 20 days. I never received a check. I called again on XXXX and spoke with XXXX he said that the prior agent didn't request the check, but he would and wait another 20 days. I still have not received a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX Account Type : Mortgage Mortgage Account Type - Detail : Unknown - credit extension, review, or collection XXXX XXXX  loan Bureau Code : Joint Joint Account Status : Open Open Monthly Payment : {$150.00} {$150.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$7400.00} {$7400.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$7600.00} {$7600.00} Credit Limit : {$0.00} {$0.00} Past Due : {$4000.00} {$4000.00} Payment Status : Late 180 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - XXXX XXXX loan 180 days past due Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month 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 Experian 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 or other personal consumer reports

I tried multiple times to get the automatic withdraw/ payment set up with no success. I explained that Im not very tech savvy and that they would have someone help me through the process. They never called to help or even acknowledge that I tried multiple times to do so. I was treated like I have never made a payment. They even threatened that if I couldnt pay they could come repossess the vehicle. I havent missed a payment in many many years and to have them treat me like I didnt matter was and is extremely painful. Ive worked so hard to keep everything current.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-wife has been using my social security number without my consent or knowledge. Upon completing in-depth research, my Social Security Number had been utilized to check ( at least ) my credit scores on XX/XX/2022 and XX/XX/2022. I have documentation of these two dates, but my SSN may have been used for more than that, as my credit score dropped significantly through one of my lenders. I know this is illegal and want to follow the correct steps to remedy this situation ( fines, cybercrime, etc. ). Her actions have detrimentally impacted my credit score, my financial reputation, and have left me feeling vulnerable, exposed, and worried about the use of my social security number.
Product: Credit reporting or other personal consumer reports

I contacted the XXXX credit bureaus XXXX and Transunion. They continue to report that an account, XXXX XXXX, is open and current. That account is paid in full and closed. I have disputed the information as incorrect several times and the above companies report that the account remains open with a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX  to Experian, However the credit bureaus said they completed the investigation and everything was accurate. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Checking or savings account

On XX/XX/2023 ( {$3000.00} ) was withdrawn from my Savings Account at Citi Bank. 
I was called by my mom to tell me that she went to my Bank and took money out. She had my card was only allowed to use my card for small amounts like gas or ect. She wanted to give my nephew some money for his Closing Cost and was able to go into my Bank and sit down with a Customer Rep and withdraw and send a wire without anyone at this Bank asking her to identify who she was. She was never asked for ID and when she filled out the paperwork with her name and address, they asked her to scratch out her name and to put my name on it.

When she called me later that day to tell me what happened. I asked her did they try to call me and did they ask her to show ID. She said no. I was upset. I called the Bank and ask to speak to the Manager and they said he was not there. 

I went into the Bank XX/XX/XXXX, XXXX speak with the Manager / XXXX XXXX XXXX Prior to this happening on XX/XX/2023 I filed a Fraud Claim because someone had charged {$500.00} from my account and the case was to take 90 days to be investigated. My mother was in the Bank during this 90 day period.

Citi Bank should have had that information appear on their system when me or her cam e into their office.

When my account was charged the {$500.00} I had to get a new Debit Card. I went into the Bank to get some funds due to my new card being sent overnight to me and was asked for my ID. 

Why was this women who they had no clue who she was able to go inside sit down and draw money out of my and never asked to identify herself. 

XXXX XXXX did ask me to send a email to say that I approved the transaction. I told him that I did not approve the process but was ok with the money once it was taken and my mom notified me because it was for his Closing. What I should had done was stop everything with the money and not let it go through. I should have taken the money and sent it properly but it was the next day of closing. I was and still am very much upset that this was even allowed to take place. 

I want some action taken against Citi Bank.
Product: Debt collection

This account just was added on my credit report. I dont know or have never done business with this company before. I am asking that this company please provided proper validation stating the I owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX credit card account : XXXX, is lost/stolen. I lost my credit card on XX/XX/2018. There are fraudulent and unauthorized charges on the account that arent mine. I want XXXX XXXX  to immediately close the account, and issue me a new XXXX XXXX  XXXX XXXX credit card account number and card. I did apply for the XXXX XXXX  XXXX XXXX credit card. Every card I have with XXXX XXXX, I did apply for the credit card accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXI found that my mailbox has been broken into so wanted to freeze my credit. I was able to successfully and easily do this with XX/XX/XXXX, yet Experian and XX/XX/XXXXwould not let me do it. 

It is particularly strange that XXXX  couldn't seem to verify my identity, or whatever the problem is, because I've had the same credit monitoring account with them sinceXX/XX/XXXX. It is clear that they just make the " free '' freeze almost impossible to do, but I'm sure the " paid for '' version would go through no problem. 

Similarly with XXXX, I just created an account with them for this purpose and they were able to identify and find my credit file, list out my current credit accounts, etc. Yet when I tried to freeze the credit they said they couldn't do it online. So I called the number and correctly answered all of their prompts, but again, a problem and they tried to refer me to the online page. Then when I spoke to an agent she said that she was unable to freeze my credit at that time because they were updating their systems. I get the feeling no matter when I attempted to call they would be " updating their systems ''. 

It's all a big scam to avoid the law requiring them to freeze my credit for free and making me pay for their premium services.
Product: Credit reporting or other personal consumer reports

I'm personally filing this complaint regarding late payments on my credit record. My review revealed these late payment entries. Despite sending inquiries over a month ago, I've received no response or adequate validation. I'm seeking your help to address this issue.
Product: Credit card or prepaid card

I was booking a hotel through the Chase app. The app crashed and charged my account the full amount without a notification. I waited several minutes for an email or for the charge to appear on my account. It did not. I then tried again and this time was able to submit while also selecting " DO NOT USE POINTS. '' After this transaction was submitted, I received an email for the first transaction attempt and the second ( in the same minute ). The app essentially double booked ( duplicate charge ) and used points for both purchases which was not selected by me the user. 

I called Chase directly and was redirected 5 times. The last person I spoke to told me I needed to call back to verify the " vender '' would approve the refund. I told them it was not my responsibility as they illegally charged me. They said they would call back and they have not. Additionally, the last person said they were going to transfer me to another person to dispute both charges all together. Once I was transfer 'd I was hung up on. Chase bank is avoiding me when trying to dispute their criminal charges against me. What they did goes against their terms and conditions as well as criminal law for fraudulent charges. They have not rectified the situation.
Product: Credit reporting or other personal consumer reports

To Experian Dear Experian While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/year> XXXX XXXX XXXX, Inquiry Date : XX/XX/year> XXXX XXXX XXXX, Inquiry Date : XX/XX/year> XXXX XXXX XXXX Inquiry Date : XX/XX/year> I did not authorize any individual employed by these companies to make an inquiry or view my credit report. Additionally, I did not give you, Experian, permission to include this information on my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ), which constitutes fraudulent activity and is a serious breach of my privacy rights. 
Please validate this information with the aforementioned companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
Furthermore, I demand that you, Experian, produce a contract between you and me, the consumer, bearing my signature that shows I gave you permission to furnish any information on my behalf. 
In the absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and complete this investigation, as per the Fair Credit Reporting Act Section 611
Product: Credit card or prepaid card

I applied to Sam 's Club Credit Card issued through Synchrony Bank. They have sent me an adverse letter, denying me credit due to " too few commercial credit card accounts '' and that is bull XXXX. I am the natural consumer and I am the one who is supplying the credit. Synchrony Bank does not issue out credit, they just extend MY credit back to ME. They are supposed to be following the Fair Credit Opportunity Act, but they are discriminating against me. I am a " applicant '' pursuant to federal law, and in good faith I exercised my RIGHT to obtain credit under the Fair Credit Opportunity Act, and they unlawfully denied me credit.
Product: Debt collection

This is my second complaint. My original complaint # XXXX was responded to inaccurately. Briefly, Resurgent Capital claims they are collecting a debt on behalf of LVNV Funding for the original creditor XXXX.They claim the debt is valid as there is and have been an unpaid balance. 

In consideration of Resurgent '' s response dated XX/XX/2016 to the original file # XXXX, in paragraph XXXX they agree they received monies on behalf of their " third party servicers '', but now claim they returned payments to me as they were unable to honor the terms in my restrictively endorsed letter. So, if what they claim is true regarding returned payments, I requested they provide proof. Forward a copy of the returned/endorsed payments made to me. They have failed to do so.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I opened a New lease with XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX for a 36 month lease. In XX/XX/XXXX I traded this car in for a new car. The new dealership paid the remaining balance I had for my monthly lease payments directly to XXXX. I received an end of lease liability statement from XXXX for mostly Excess Mileage and taxes. I went over in mileage an extreme amount. I started making payments immediately in XX/XX/XXXX. I have statements from XXXX for XX/XX/XXXX & XX/XX/XXXX showing I made payments. I was having a hard time financially make my New Car payment and making a monthly payment for the mileage. I called XXXX in XX/XX/XXXX asking what my options were, they brought up to me about making a XXXX for less than what was due and that would satisfy all my obligations. I agreed and made a payment for {$1000.00}. My account was closed, I requested a settlement letter. Later on in XXXX, I pulled a credit report and saw that it indicated under payment history I made 1 payment that was 30 + days late & 1 payment that was 60+ days late, and used the word Potentially Negative in Bold Red on the Credit Report. My lease agreement and obligations for the 36 month lease was paid in full. I contacted XXXX in XXXX & XXXX. I asked them to remove the " XXXX '' late payments from my Credit Report and any Negative terminology. The letters from XXXX indicate " XXXX '' late payments. My credit reports were not updated to reflect the accurate information. Anytime I apply for a loan, credit cards or Mortgage my payment history is being evaluated, and it impacts my credit score more than any other factor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 reporting or other personal consumer reports

Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Credit Bureau Name : Equifax Information Services LLC Credit Bureau Address : XXXX XXXX XXXX XXXX, GA XXXX Last 4 of SSN : XXXX RE : XXXX To whom it may concern, I am contacting you because I have found some information that is inaccurate on my credit report. You are reporting a late payment on ( XXXX ) on the account ( XXXX XXXX XXXX XXXX XXXX ). 
This is not true, I was not late on ( XXXX ). I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
After doing so please provide me with an updated credit report reflecting the changes. 

Best Regards, XXXX XXXX
Product: Debt collection

I have 2 seperate collections through cell phone companies that I have never had knowledge of showing up on my XXXX Report. 

1. {$10000.00} through 11 XXXX  XXXX  sent to Credence Resource Management on XX/XX/20. I have disputed the debt with XXXX  directly, attempted to dispute it with XXXX XXXX  and they told me they have no record of an account under my name or SSN, and I told the debt collector who called me that it was a fraudulent account and they said they would submit a dispute and I have never heard anything else from them. Despite all of this it is still on my credit report. 

2. {$2300.00} through 11 XXXX sent to XXXX XXXX XXXX on XX/XX/20. I have also disputed this with XXXX  directly and they told me they confirmed the account was valid, although I have never had an account with XXXX. I submitted 2 online disputes to XXXX Fraud unit online, the first time they told me I did it incorrectly and the second one is pending. I have never heard from this debt collector and when I called them they said they had no record of the debt. Again it is still on my XXXX  rerport.