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

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. It appears that my credit with you has been compromised. I was going through my records & noticed many items that I requested for removal were still in my credit report. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to fraudulent activity. The disputed items were opened without my consent. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$960.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

On XXXX I called the cardmember services for the XXXX XXXX XXXX XXXX XXXX having just received in the mail the lasted statement. On the statement was a late fee of XXXX. I had made a recent payment of XXXX which is on the same statement. Previously, I had received on XXXX or XXXX XXXX. A payment late notice. Yes I had forgotten to make the payment due on XXXX. So, I immediately upon the notice phoned in the XXXX payment. Oddly it did not post until the XXXX. So, here we have a bank company that charges a late fee moments after the due date without any other consideration. I am remarkably unhappy about this and want a refund of the XXXX fee.
Product: Debt collection

I received a call from GC Services asking me to confirm my date of birth and social security number. I refused to do so to protect personal and confidential information. They refused to tell me what they were calling about. Since then they have repeatedly called and left messages. No information has been provided to me at all. Today I received an email from my employer attaching a purported " Order of Withholding from Earnings '' from GC Services. THE NAME AND THE SOCIAL IN THE ORDER ARE NOT MINE, NOR IS THE DEBT. GC Services has unlawfully and improperly attempted to get my employer to pay my money to them directly. Now, conveniently, they do not answer any calls. 

The " order '' cites 20 USC 1095a as not requiring a court order. However, said section authorizes the XXXX XXXX XXXX ( not GC Services ) to initiate a proceeding, which requires a hearing and NOTICE. GC Services misstates law in an attempt to improperly garnish my wages for someone else 's alleged debt.
Product: Credit card

The card is non usable based on the investigation of fraud. Approximately XXXX XXXX it was a charge for XXXX dollars for flawless beauty. I never made the charge or authorized this charge it was charged when I made the appointment which was made simultaneously for the same day. I want to CLOSE the entire account. I have had nothing but issues with his card and and company. I have no way to contact the merchant nor did I receive any services from the merchant in which they charged. I never contacted the merchant via email and no place to attend for the service and i even tried to reach out via telephone no telephone number or anything. This is why I reported it as fraud. But the Self is not resolving this issue aside from other issues in which they are not resolving I try to contact them because I can not purchase and this is when I am told the card is not working because of fraud but they would not send another card. I just want to refund the charge and close the account I have experienced nothing but a headache in dealing with them and no longer want t ordeal with them It is so difficult to communicate with them between the weekend and business hours and speaking with someone to resolve m y issue of the charge it is not worth it for the astronomical interest rate.
Product: Checking or savings account

My bank account was hacked into and my contact information was changed. My debit card was stolen and used fraudulently. My bank branch showed me where the person tried seven times to enter my PIN before finding the right one and completing the purchase. Chase Bank claims they are in no way responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My confidential documents like m Social, Birth Certificate, Checking Account Information and my kids documents were stolen in XXXX. I noticed a number of accounts when I pulled my credit report in XX/XX/XXXX. I filed 4 identity theft reports in order to be able to include all fraudulent accounts, as well as, a police report. I have mailed the first ones to the credit bureaus. The original to XXXX  a copy to XXXX  and Experian thinking the issues would be resolved. I have filed new and updated reports today and have attached them to this complaint. 

I have listed the accounts that are a result of fraud 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  ) INQUIRIES ARE 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

According to multiple credit reporting agencies, it is claimed that I opened a line of credit with XXXX XXXX on XX/XX/2023 and multiple charges were made in the total of {$650.00}. I disputed this account, and XXXX  claims that they verified that this account belongs to me and sent me their report on XX/XX/2023. I continue to assert that this account was never opened by me.
Product: Checking or savings account

Today, Thursday XX/XX/2018 someone stole {$1.00} from my account, more would have been stolen had there been more money in account. Tomorrow is payday so I am concerned. Citibank is currently my banking institution. This is the second time in three months that Citibank allowed a fraudulent transaction to take place. I live 60 plus miles from where the fraud transactions were authorized. I havent been to the city where they occured in a very long time, almost a year or more. XXXX XXXX is who atole my money, via Citibanks approval for the transaction. I have researched XXXX XXXX and there are several websites reporting their fraudulent activity. If Citibank wishes to become a reputable bank then maybe they should be up to date with who has more fraud reports and denying the transaction immediately! 
Twice in the last two years, I have tried to access my money via my debit card and Citibank froze my transaction. The embarrasment snd stress I felt while trying to complete my transactions. Kudos to the fraud team at the time for trying to protect me, from me. Yet now its a stranger who is authorized to use my funds and I am punished. My payday is tomorrow, I need to have access to my money. A temporary card was offered but yet the bank does not open until XXXX XXXX. What if I needed to access my money at XXXX? I sm screwed because of XXXX policies. Allow the thief to steal her money, yet agsin and punish the single mother of a XXXX XXXX child who barely lives paycheck to paycheck. 
Citibank refused to refund my XXXX today, stating they have to investigate. I want the bank to held accountable for this incident just as much as XXXX XXXX should be. 
In XX/XX/2018, my sons account was also affected. He has an acct for his Social security XXXX. Two transactions were allowed totaling {$150.00} for a gas station in XXXX, while I sat bedside for my son at a hospital in XXXX, CA. It takes more time to receive my new debit card and to have the funds returned cs authorizing the theifs to steal my money. Citibank should be investigated, fraud dept needs makor improvement and tjis needs to stop. I do my best to protect my purchases i.e. entering pin number and I dont appreciate being used as a pawn in their partnership, banker and theif vs financially struggling parent. 
I have contacted both parties, Citibank refused to refund my money today and they refused to overnight a new debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company did not follow proper fair credit practices in reinserting inquiries on my credit report. Law states that companies supposed to inform consumer within a 5 day window before doing so and the 5 day grace period wasn't enforced. I was a victim of Transunions inquiry issue. Reached out to them and they were noncompliant to the issue at hand and the law so i am requesting the deletion of these credit inquiries XXXX   XXXX XXXX and XXXX  XXXX XXXX, and XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I received a credit alert for my XXXX  XXXX account for my credit score dropping XXXX points because I charged {$190.00} on XX/XX/XXXX, XXXX am questioning the methods which Equifax uses to determine my credit score dropping XXXX points for charging such a low amount during XXXX XXXX sales.
Product: Debt collection

I informed Smith Debnar Drake Saintsing & Meyers LLP That XXXX lied through their teeth. I had an agreement with them. I even had a XXXX XXXX scream at me over the phone. I refused to give them access to my bank account after they went in and caused over drafts fees WITHOUT PERMISSION. Other retired employees have had the same thing happen to them. They owe me {$71.00} for those fees and the hassle and stress with dealing with their employees. They cashed the checks fainal payment and paid in full. Now I don't owe {$3300.00}. Good luck you can't get blood from a stone. I barely make it as it is and we are looking at being homeless as of the XXXX of this month. XXXX charged higher fees because of my zip codes. I did not live in a wealthy suburb and got charged for it. May they and their lawyers get flat lined in the economy and have no bailouts.,
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : Experian XXXX USED A XX/XX/2022 XXXX XXXX  XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unreliable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward customer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have been filing a complaint against XXXX XXXX XXXX Equifax and XXXX XXXX XXXX Bank - Account XXXX Great XXXX XXXX  XXXX Account XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX No investigation has been opened on my behalf. Also have sent request for Debt validation and have not received anything back from the creditors or collection agencies regarding my dispute. The bureaus are now considered being in direct violation of the FCRA guidelines and also the collection agencies are now in direct violation of the FDCPA guidelines. The timeframe for an investigation has now passed and I am requesting within my consumer rights for a permanent deletion of the accounts listed above. I have attached the disputes that was sent in the to creditors/collections agencies and to the bureaus with no regards are response back. I have also attached my Driver 's License, Utility Bill and Social Security card for proof of my identity. Please consider this my written authorization.
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters regarding inaccurate information on my credit report, but the issues persist. Recently, I conducted an investigation of my credit report and discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to report accurately. This has caused me severe XXXX and XXXX. 

In accordance with the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. The accounts in question violate FCRA regulations, specifically under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ), which mandate complete accuracy in reporting. 

Attached are copies of all correspondence sent regarding this matter. I urge you to rectify these errors promptly and ensure that my credit report reflects accurate and verified information as required by law.
Product: Credit reporting or other personal consumer reports

This company has violated my federally protected consumer rights. The company have 2 inquiries reporting on my credit file that they said were deleted and they are still there. I will provide the original confirmation number as a document.

15 US Code 6802- states that a financial institution may not directly or through any affiliate, disclose to a non affiliated third party any non public personal information unless financial institution provides or has provided to the consumer a notice that complied with 6803 of this title.

15 USC 1681 Section 602 A states I have a right to privacy.

US Code 1666B states a consumer reporting agency should never consider a credit card payment as late under an open end credit consumer plan for any reason. 

Those accounts reporting late are : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I have successfully filed a lawsuit against XXXX and XXXX. Now I will be filing against Equifax if no action is taken.
Product: Credit card or prepaid card

We bought a ticket on XXXX on XXXX XXXX from NY to XXXX. The ticket was somehow booked through XXXX XXXX, dates XXXX, XXXX XXXX, XXXX. This flight was cancelled due to Covid19 back in XXXX. This ticket was actually refundable even before Covid19 with a {$150.00} penalty. The total price for this ticket was {$1000.00}.

For some unknown reason XXXX  divided this round trip ticket into two separate one way tickets ( {$550.00} and {$480.00} ), so at maximum the penalty would be {$300.00} for the refund in normal circumstances, even without the Covid19 cancellation. However, I did not receive anything so far, even though they keep telling me that they will give me a full refund. I made many, many calls to XXXX, sent emails to the supervisors, to XXXX XXXX, CFO and XXXX XXXX, CEO, gave them my bank info ( for some reason XXXX   can't return money back to my CC account? ) but it is not going anywhere. I was told that XXXX tried to reach XXXX airlines but was also unsuccessful. Finally I filed a dispute request on XXXX, XXXX with Barclay CC by which I paid for the ticket. They issued a temporary refund but it was reversed a few days ago. So now I am back to square one- have no refund at all. Please help to resolve this issue.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 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 XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

My wife and I obtained a construction to permanent mortgage loan through a loan officer at US Bank in early 2014, to provide financing for a custom home we were having built. We closed on the transaction on XXXX XXXX, 2014. The department within US Bank that handles the disbursement of draw requests to the contractor allowed for the contractor to obtain funds well beyond the completion of the home. The bank was provided progress inspections by XXXX XXXX, a party of THEIR choosing, which identified with photographs and completion percentages that the basement of the home had very little work completed, yet US Bank approved to fund the contractor budget items that would have required substantially more money to complete the basement which was part of our plans, specifications, and contract with the contractor. Upon receipt of the excess funds, the contractor promptly abandoned our job leaving us to hire a different XXXX to complete the home so that we could obtain a certificate of occupancy and have a home to live in. I disputed the handling of the draw process once it was evident that the XXXX had abandoned us, but the person handling our disbursement indicated that I would need to fund the additional amount to complete the home. It cost us more than {$100000.00} more than our contract to complete the home. This figure includes over {$60000.00} in excess funds I needed to provide to complete the home in accordance with the plans and specifications, as well as the substantial amount of change orders that I funded to the XXXX to ensure there were sufficient funds left in the loan proceeds to complete the home. The contractor then submit for full disbursement of XXXX budget items that clearly would have required additional funds to complete the home. The negligence on the part of US Bank in allowing for our contractor to get over-funded on this project is the obvious reason that the contractor abandoned the job. He no longer had any financial incentive to honor his contractual obligations. At no point during the draw process, did US Bank or XXXX XXXX provide me with details of what the contractor was requesting for review. I demanded the information that was submitted by my contractor to XXXX XXXX and eventually they complied and provided the detail of the draw requests ( XXXX ) as well as the inspection reports that were completed in conjunction with the draw requests. This happened after the contractor had already been over-funded and had made the decision to abandon us. Upon reviewing the supporting documentation and inspections, it became quite clear why the contractor chose to abandon the job.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I noticed inaccurate information on my credit report. listed accounts needs immediate attention regarding deletion due to fraudulent activity and inaccurate information listed below. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Limit $ XXXXClosed Account XXXX XXXX XXXX Opened XX/XX/XXXX, {$400.00} _Closed Account XXXX XXXX Credit Card XXXX XX/XX/XXXX, {$5000.00} - Closed Account XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$200.00} -Closed Account XXXX XXXX Card Opened XXXX {$1000.00} - Closed Account XXXXXXXX XXXX Opened XXXX XXXX $ XXXXClosed Account XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$200.00} -Closed Account XXXX XXXX XXXX Opened XXXX XXXX {$520.00} -Closed Account