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

It all started in XX/XX/2023 where I had fraudulent activity on my account from Arkansas that got resolved and I received my funds back from the bank. However, I was waiting for my new card. And I noticed that it had been a little too long of a time and I called my bank and I said I had some questioning phone calls from Wells Fargo and it turned out that it wasnt Wells Fargo and they had gotten into my account on XX/XX/XXXX they took out {$2000.00} and then on XX/XX/XXXX they took out {$1900.00} From the bank is not returning my money even though those were from an ATM in Florida and I am located in Georgia and I they are claiming that I either knew the person or I gave somebody my ATM card however, I did not have an ATM card because I was trying to get my new one in the mail Now Ive re-opened up my claim and I filed a police report and I am not happy that its taking this long to try and get money back from something that I did not cause
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, I am disputing the following accounts on my credit report because they appear without my written authorization : XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX Basis for Dispute 15 U.S.C. 1681 Section 602A : Ensures my right to privacy.

15 U.S.C. 1681 Section 604A, Section 2 : States that my information can not be included without my written consent.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that no proof of the alleged debt. Nor therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 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

I  have asked Experian to investigate my dispute through physical verification and provide me a complete file disclosure pursuant to FCRA, Section 609 ( a ) ( A ). I have also asked them to delete disputed items if they are unable to provide me a complete file disclosure. My first reques t was sent out on   XXXX   XXXX   XXXX    , of which they received my letter on   XXXX   XXXX   XXXX    . My second request was sent out on   XXXX   XXXX   XXXX    , of which they received my letter on   XXXX   XXXX   XXXX    . As of today, I have not received any disclosure that relates to the disputed items on my credit report. This is a violation of the federal law where Experian has denied my right as stated on FCRA. I ask you to step in and demand Experian to follow the law and provide me a complete file disclosure for the disputed accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion are falsely reporting information on my credit report. I have inquiries on my credit report that was not authorized by me. I have not received any credit from these creditors with the listed dates. 
XXXX XXXX XXXX XXXX XXXX- XX/XX/2019 XXXX  XXXX XXXX XXXX- XX/XX/2019 XXXX XXXX XXXX XXXX XXXX- XX/XX/2019 XXXX XXXX XXXX XXXX- XX/XX/2019 XXXX  XXXX- XX/XX/2019 XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX CO XXXX XX/XX/XXXX, XXXX XXXX Reported XX/XX/XXXX, XXXX XXXX Reported XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Reported XX/XX/XXXX, All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Checking or savings account

Capital One bank has failed to deposit my direct deposit from my employer. Capital one cited technical issues which may be in violation of the electronic funds transfer act ( EFTA ) as it requires timely access to funds.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX
Product: Credit reporting

I have XXXX names on my credit report same peron just XXXX different names ... also weong address reciently moved maybe 4 months ago ... and also it says i have no employment info but i work full time and have been for the past few years
Product: Credit reporting

I disputed some items on my Credit Report with Equifax and they took more than the XXXX day required to Investigate. They received my dispute on XXXX/XXXX/2015 and did not complete the investigation until XXXX/XXXX/2015, which is beyond XXXX days. Per the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] They have to delete all items that I disputed. I called Equifax and spoke with XXXX and then XXXX who stated they will not delete the items and that they are in accordance to all FCRA rules. I 'm demanding all Items I disputed be deleted from my Credit Report Immediately. Pursuant to 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].
Product: Money transfer, virtual currency, or money service

XXXX has been giving issues in the past payments to wrong or unauthorized people and funds are nonrefundable
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that DISCOVER BANK are alleging that I owed an amount of {$7900.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and DISCOVER BANK has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and DISCOVER BANK failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. 

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

I am reaching out to address and rectify inaccuracies present on my credit report. Upon thorough examination, I have identified an account that is reporting late payments erroneously. Upon contacting the associated company, they have acknowledged the error and agreed to rectify it by updating my account and removing the late payments. 
It has come to my attention that other credit bureaus have already corrected this account on their respective reports. Thus, I kindly request that you update my credit report to reflect these corrections promptly. 
The account in question is with : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the continued reporting of XXXX XXXX XXXX accounts ( XXXX XXXX XXXX and XXXX ) on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ) and the terms of a pay-to-delete agreement. The first account in question XXXX was opened in 2015 and, per FCRA regulations, should no longer appear on my credit report as it is beyond the seven-year reporting period for derogatory information. Additionally, a payment was made after the account was charged off, which further confirms its ineligibility for reporting. I have attached a letter to this complaint, dated and time-stamped, which was sent to XXXX XXXX confirming the terms of a pay-to-delete agreement. Despite their acknowledgment, Experian has failed to remove this account from my credit report, continuing to report it inaccurately and in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an application online with XXXX XXXX onXX/XX/19. I was approved for the Card. However, I never recieved the card due to XXXX closing my account. I contacted XXXX on XX/XX/XXXX, XX/XX/19 and XX/XX/19 they stated that they couldn't verify my income within 5 business days of them submitting the card. Although I IMMEDIATELY completed the requested forms for them to obtain my income from the IRS. I was informed that due to the IRS not sending them the requested information within the 5 days that they had to close down the account. My credit profile took a hard hit for something that I had no control over. I submitted the requested paperwork for XXXX card to get the information from the IRS AND YET INSTILL I'M BEING PUNISHED FOR SOMETHING THAT THE DIDN'T GET IN 5 DAYS. In which I had no control over. This hard hit and account sitting on my credit profile is hindering me from purchasing a home.THIS IS ALSO HINDERING ME FROM GETTING APPROVED FOR ANOTHER XXXX CARD.
Product: Checking or savings account

Hi, On XXXX XXXX2023 money from my Bank of America business checking account was stolen by wire transfer. 
I did not authorized the transaction. 
Amount {$3900.00}. 
I filed the claim to bank and Identity theft. 
From that time I am calling to bank, made the appointment with banker. All representative make me wait 30-40 min on the phone, transferring me forth and back and telling me that I need to wait or go to bank again because they do not have access to my account. 
Bank actually had never called me and update with the investigation process. 
I need help to get my money back.
Product: Debt collection

I called to cancel my membership with XXXX XXXX several times. They keep telling me to come speak with a manager. I did do that, but the manager is never available. I have one in XXXXXXXX XXXX where Ive tried to cancel numerous times. I live in XXXX  now. Then I opened a new one in XXXX that I need to cancel because I have gym equipment in my home now. I didnt go to them to sign up, I did it online. So they should cancel without me being present.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I attempted to temporarily lift a security freeze placed on my Equifax credit account in order to apply for a credit card. As I had done in the past, I began with the online process which before only took a few minutes and a {$3.00} fee. The initial placement of the freeze 13 years ago, however, required sending Equifax a photo ID by mail. To my dismay, despite having a unique pin number assigned by Equifax, I was unable to get into my account to lift the security freeze. I had a User ID and Password from the past but Equifax has changed the User ID to an email address, which mine did not include. To make matters worse, as in the past, to verify my identity Equifax required answers to 5 questions about my credit report - one going as far back as 26 years ago, another 8 years ago and so on. A single wrong answer and my identity could not be verified. Equifax could have easily asked questions about my current mortgage payment or a current credit card but it chose not to do so apparently to deliberately make it more likely that other information would have to be submitted - such as photo ID - to prove identity. I attempted to call the telephone number provided and waited 1 hour and 15 minutes but no one ever picked up the phone. The website had offered to send me a verification code by mail but warned that this could take 3 to 5 business days or longer. In desperation, I called an Equifax number and pressed 4 to connect to a " product  services specialist '' or salesperson. This person was very helpful, spoke with a foreign accent, asked me a few questions to verify my identity and lifted the freeze. She was however, unable to help me with the login problem on the website which she said is handled by local representatives who were available at the phone number, where it turns out, no one answers. I would like to add that although the other 2 credit bureaus had also changed their security freeze procedures somewhat, having those freezes lifted was a breeze. One even allows you to lift a freeze online for a relative who might be elderly or XXXX. I am still unable to access the website to lift a security freeze either for myself or my husband who is elderly. Equifax has always been problematic. And it is now using the Coronavirus as an excuse to provide even less service than before. It seems that if the company can not make money from a service they do not provide it. This company needs to be regulated and there are more problems with it than just the data breach.
Product: Prepaid card

Called American Express gift card service because the card was not being accepted by any vendor. The first time I called the agent sent me a new card. When I received that I tried it and it was declined by XXXX. I had also tried other vendors. So I called a second time, and they told me that they had removed the block on the card and I should try in 24 hours. I waited over 24 hours and it was still declined. I called back and this time told them I wanted the card refunded. They told me that it would take three weeks. I told them it does not take that long. They also wanted me to give them, my personal information including sending a copy of one of my bills to verify my address because they couldnt verify it. I asked for a supervisor. The supervisor went ahead and took a hit my information and said that it would be returned to me in a check, I called the next day to verify and got a Off shore agent who said his name was XXXX. Theres no way his name could be XXXX because he was obviously from XXXX. Through him I found out that it was obvious. supervisor last night did not set up a refund. The agent had to take down all my information again, and this time gave me a case number. American Express needs to get rid of this call center. They lie, and are very unprofessional and inept. 


Case # XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

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

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

Below is a response from CITICARDS. 

We are sending an additional letter to the customer to reinforce that the payment history is correct and will not be changed. We explained that the payment dated XXXX/XXXX/XXXX was returned unpaid, resulting in the account being reported 30 days delinquent. A replacement payment was received on XXXX/XXXX/XXXX, but no payment was received for the due date of XXXX/XXXX/XXXX. This resulted in additional 30 day reporting from XXXX through XXXX XXXX. A one-time adjustment was made to the Minimum Payment Due on XXXX/XXXX/XXXX, bringing the account current. We provided a copy of the response sent on XXXX/XXXX/XXXX, as well as a copy of the billing statements from XXXX XXXX to current. 

MY RESPONSE. 

If my XXXX/XXXX/XXXX payment was retuned and I replaced the payment on XXXX/XXXX/XXXX, how was I 30 days late????? Sounds deceitful to me. Citicards claimed that I failed to make my XXXX payment, which is another lie. I made an ONLINE payment of web ID XXXX. Where did this payment go??
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/XXXX  Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX New XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Product: Student loan

I applied for the SAVE plan for my student loan repayments on XX/XX/XXXX, and was quoted that I would have to pay {$360.00} per month. My loans were put on administrative forbearance on XX/XX/XXXX, when payments were supposed to start. This morning ( XX/XX/XXXX ), I got an email from Mohela saying that my auto debit is set to start on XX/XX/XXXX at {$540.00} per month. I looked at the status of my IDR and Mohela said it was received on XX/XX/XXXX but " cancelled '', without any further information. It takes more than an hour to reach a representative, making it impossible with someone with two jobs, working 7 days a week to reach them.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 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: Credit reporting or other personal consumer reports

I did not authorize or consent to the following information. Please block and remove it. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1.00} 000 per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation.

Fraudulent Furnished Account : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not remove my negative XXXX XXXX XXXX account from my credit report. All other agencies have but I continue to get denied for credit due to this inaccurate reporting. I paid the balance in full to the lender and they agreed to remove it from my report but have not.
Product: Debt collection

i recently responded to MEDICREDIT, INC on XX/XX/2021 for a alleged debt of XXXX that i don't owe, so they have violated by not responded within the 30 days time frame and i sent them another letter on XX/XX/2021 requesting the validity of the debt again and they have not responded. i need help in resolving this matter because they are causing me harm and XXXX. i am going to the doctor more and taking more medicine. my certified mail tracking # for XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX