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

I made a transfer from a XXXX  checking account to an XXXX  cd, however a pending transaction took my balance below the amount i requested to transfer. the transaction didnt go through, then i funded the cd from my XXXX  savings account. then another automatic transfer attempt was made from the XXXX  account to the already funded cd in the amt of {$1200.00}, that XXXX  says they never received and XXXX  is saying they sent it to XXXX. Upon requesting information from both banks as to where the funds are and why they haven't been returned to my XXXX  account since the transfer to the CD was denied due to it already being funded I've received the following. XXXX XXXX  is saying that they've not received anything and I need to contact chase. XXXX is saying that the amount of XXXX was debited by XXXX XXXX XXXX and is need to contact them. XXXX has given me the ach tracking number of XXXX. When I called XXXX  and gave them this number I was told they did not execute this ach payment and that it was actually a company called fiserve. I've been unable to get in contact with the ach department there despite leaving multiple messages on an automated line where they say they'll get back to you. It's been months with no resolution. They've not contacted me after repeated calls
Product: Credit reporting, credit repair services, or other personal consumer reports

m submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$650.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX  XXXX XXXX : {$540.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$850.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$690.00} ; XXXX XX/XX/XXXX ; XXXX & XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one refuses to give me a credit line increase and provides this information which comes from equifax There are too many missed minimum payments in recent history Presence of a revolving account charged off by a lender Presence of an account that is seriously delinquent or derogatory There have been too many recent inquiries My equifax report does not show any of this at all. I have had this problem for a long time and they keep blaming each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX Company Inquiries : 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

MY LANDLORD STOLE MY IDENTITY AND USED MY PERSONAL INFORMATION THAT I USED TO VERIFY MY IDENTITY TO MOVE IN AGAINST ME. I LIVED IN AN AIRBNB YEARS AGO WITH THE OWNER OF THE HOUSE ACTUALLY LIVING THERE AS WELL. I NOTICED AS TIME WENT ON THINGS STARTED MISSING FROM MY ROOM SO I INSTALLED A HIDDEN CAMERA. ONE YEAR I WENT OUT OF STATE TO VISIT MY GRANDMOTHER AND THE LANDLORD CLAIMED HE HAD FRIENDS OVER AND "SOMEONE MAY HAVE WENT INTO MY ROOM" BUT IT WAS HIM. HE WAS ALSO THE ONLY OTHER PERSON WITH THE KEY TO MY ROOM BEING THAT IT WAS HIS PLACE. PLEASE BLOCK AND REMOVE THIS INFORMATION FROM MY CREDIT REPORT IN 4 DAYS.





FRAUDULENT ACCOUNTS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

CFPB + Experian, On my Experian credit report dated XX/XX/2022 - there are hard credit inquiries I do not recognize, are unauthorized, and would like removed from my credit report - attached to this complaint are : my drivers license my social security card my mailing address my complaint letter my Experian credit report page displaying these unauthorized hard credit inquiries that need to be removed as soon as possible.
Product: Credit card

In XXXXXXXX XXXX XXXX I enrolled in a 0 % interest for XXXX program with Synchrony Bank XXXX In XXXXXXXX XXXX XXXX, I received a paper statement with a charge for {$1.00} to receive paper statements. The email notification of the unrequested charge went to my junk mail, and I was unaware of the charge until it appeared on my statement. I immediately called, and the charge was reversed. However, this was only the beginning. 

Although the charge was reversed, they applied a late fee since I only paid the same amount at the same time that I have paid for the past two years. Because I was under the assumption that the issue was resolved when they reversed my late fee, I did not bother to check the following statement, which I now had to check electronically since they forced me to sign up for electronic statements to avoid incurring a monthly paper statement charge. The email reminders were being sent to my junk mail, and it wasnt until I decided to randomly check the account that I noticed the late fees that had accrued from the paper statement charge. 

I called last month and reluctantly paid the late fee, again thinking the issue was resolved. Then, this month, I was informed of additional late fees. The entire electronic system is flawed. They never should have forced the {$2.00} charge for paper statements. I use electronic statements with other vendors that offered discounts and whose monthly payments do not fluctuate. They send email notifications with no mention of amount or due date. They force you to log into their account, which takes time, to view the statement. You are unable to view a statement by phone, so now you have to wait until you are able to use a computer. 

In fairness, there was one prior mishap with Synchrony that was correctly resolved for the same account. Due to the delay in receiving a portion of the product, I was charged for the purchase of the items that I took home with me that day. I quickly paid off that portion of the purchase, and when the remaining portion was charged, I saw that the promotion date was reduced to 24 months. That issue was quickly resolved, and the original deadline was restored. 

Because of {$2.00} that they charged without my knowledge, I had to pay late fees and interest. I have lost confidence in their ability to resolve the issue without further penalties and have elected to pay off the remaining balance, forfeiting the remaining months of 0 % interest. I am beside myself that this stems from an unrequested {$2.00} charge that they have scammed at least {$75.00} in late fees and interest from me. Despite the remaining balance being a financial setback for me, paying it off along with the new late fee is worth it to end the continued scam.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost concern regarding fraudulent items that have appeared on my accounts with your company. Despite numerous attempts to rectify this situation, the fraudulent items remain unresolved, prompting me to escalate this issue formally. 

I have identified and reported multiple instances of fraudulent activity on my accounts. These unauthorized charges have not only caused significant financial distress but have also eroded my trust in your company 's ability to safeguard my personal information and prevent fraudulent transactions. 

Despite my repeated efforts to address these fraudulent items through your designated channels, including submitting documentation, making phone calls, and engaging in online correspondence, the issue persists. Each time I have sought assistance, I have been met with assurances that the matter would be thoroughly investigated and resolved promptly. However, to my dismay, the fraudulent items continue to plague my accounts. 

The consequences of these fraudulent activities extend beyond mere financial losses. They have also caused immense stress, anxiety, and inconvenience as I endeavor to safeguard my personal finances and rectify the damage inflicted by these unauthorized charges. 

As a loyal customer of your company, I expect and deserve the highest standard of service, including robust security measures to protect against fraudulent activities. Therefore, I am formally requesting the following actions be taken to address this matter : Immediate and thorough investigation into all instances of fraudulent activity reported on my accounts.

Prompt removal of all unauthorized charges and fraudulent items from my accounts.

Compensation for any financial losses incurred as a result of these fraudulent transactions, including reimbursement for fees and penalties.

Assurance that proactive measures will be implemented to prevent future occurrences of fraud and enhance the security of my accounts.

A formal apology for the distress and inconvenience caused by the persistent presence of fraudulent items on my accounts. 
I expect a swift response to this complaint, outlining the steps that will be taken to address the concerns raised. Additionally, I request regular updates on the progress of the investigation and resolution of this matter until it is satisfactorily resolved. 

Please understand that the resolution of this issue is paramount to restoring my confidence in your company and preserving our ongoing business relationship. I am asking for your assisstance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

They/ you guys are clearly ignoring my emails and when I call you say we will look into it. How do you go from XXXX balance agreed amd changed on my report XXXX XXXX XXXX to now I owe again to not even giving me the information I asked for to make it legal for you to report? Pull the calls!! XXXX  if you have to take me to court to get it done. Remove this XXXX OFF XXXX!! Not even XXXX is replying to me and I even showed proof nobody replies to my emails since XXXX or XXXX even!
Product: Credit reporting or other personal consumer reports

Please remove the derogatory information from Experian, XXXX, and XXXX credit reporting agencies.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$0.00} XXXXXXXX XXXX UNAUTHORIZED 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  TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

Please DELETE the listed unauthorized Inquiries below. I already included them in my previous letters request to remove these inquiries, however until now they still reporting on my credit file. 

TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results. I was locked up in federal prison from XXXX to XXXX and I would like to have those fraudulent items removed from my credit report being that it is documented that I XXXX XXXX was XXXX.I would like for auto loans and retail card information to be removed from credit report also being that it is fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX {$2800.00} MIDLANDCRE {$930.00} MIDLANDCRE {$1000.00} These accounts are not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within these accounts itself that is grounds for immediate deletion. I will also list the credit laws in which these accounts goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Four years ago, my personal information was stolen - social security card, XXXX XXXX credit card and California ID. I filed a police report with the XXXX police department, due to fraudulent transactions and cash advances connected to my XXXX XXXX account. They were able to gain access to my XXXX XXXX account using my personal information. I was able to dispute the fraudulent transactions, but then my log-in information to my XXXX XXXX account is was changed and cash advances were being made. My credit card was maxed out on XX/XX/XXXX. Additionally, another fraudulent account was opened under my name through XXXX on XX/XX/XXXX and maintained a balance of {$930.00}.
Product: Credit card

On XX/XX/XXXX, met with a Bank of America agent to gain access to my mother 's banking accounts as the acting power of attorney, with a durable financial power of attorney signed and notarized on XX/XX/XXXX. My XXXX is in a long term XXXX XXXX, admitted late XXXX of XXXX. I was told I would need a letter from the facility stating she is unable to manage her finances. She is in a progressed state of XXXX. I did not have that statement. As her checking, savings and credit card accounts are all with BofA, I asked about cancelling her credit card and if there was anyway interest could be suspended. I was told I could add my name to her account and that would give me the ability to speak with the credit card agents to manage the accounts. I agreed and added myself to the account. I later discovered my credit report is suffering due to it appears as my debt. That was not explained when I added my name to the account. I've worked hard to keep my credit in great shape, now it is dropping due to this. Is this legal? Can I get my information removed from the account? My mother is on XXXX. I try to pay what I can on her debts, but there is never enough left to make the minimum payment.
Product: Debt collection

XXXX XXXX provided me XXXX XXXX service on 4 dates through XXXX XXXX XXXX. XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I provided XXXX XXXX and XXXX XXXX XXXX XXXX XXXX at the time of service. 
XXXX XXXX and XXXX both sent the bills to an address from 7 years ago and Insurance from 7 years ago and of course it wasn't paid. 

Wakefield Collections called XXXX of XXXX and I saw they had the wrong address and wrong insurance. I updated Wakefiled AND Carepoint AND XXXX XXXX of my address and correct insurance. 

XXXX only applied that information to one of the dates of service and called again in XX/XX/XXXX harassing me about the other three. They still had the wrong address and wrong insurance and still all three showing as collections even though they said they would remove it completely after they realized they screwed up with the wrong insurance. 

These medical collections are hurting my credit score and causing me higher financing rates and I need the collections removed ASAP or I will be taking Carepoint and Wakefiled to court and suing for higher mortgage payments, credit cards and loans payments, plus punitive damages for knowingly and intentionally materially neglect and knowling issuing false statements to the Credit Bureaus. My Anthem insurance paid XXXX XXXX for these dates. It's only XXXX and Wakefield who harass individuals even when I provided the correct insurance 3 times and I still have a collection being shown. This is criminal to let a company cause me so much financial harm with no consequences for their actions of incompetence and intimidation. 7 months is more than enough time to contact my insurance company XXXX and get paid for all accounts not just one.
Product: Debt collection

I received a letter from Merchant credit guide on XX/XX/XXXX about a Medical procedure that was supposed done on XX/XX/XXXX. I wrote a validation letter to ask what procedure was done and the statute of limitations on this Alleged debt by Certified mail and I received another letter today asking for payment with no Validation. Im aware of my rights and HIPAA laws as well. I want Merchants credit guide to cease and desist all collections on this debt unless they provide what I asked for by legal right.
Product: Debt collection

Over a year ago, I was first contacted by Cedars Business Services, who claimed I owed a debt to XXXX. This claim was unexpected, as I had only made one completed purchase with XXXX, which was fully resolved. I had also recently received suspicious emails claiming XXXX transactions, which raised concerns that this might be a scam. 

To clarify the legitimacy of their claim, I requested an invoice over text. I can provide screenshots showing this request. The representative asked me to provide an email address, which I did, and they agreed to send the invoice there. They also provided a number for me to use with XXXX app or website to view the invoice. However, I didnt have the XXXX app, and I felt uncomfortable following these additional steps. Given their commitment to send the invoice by email and my concerns about potential fraud, I decided to wait for their promised email verification. 

Despite my request for more information, the company began contacting me frequently by phone. I reiterated on each call that I was still waiting for the requested documentation. Over a year later, without ever having received the promised invoice, I was notified of a negative report on my credit score, citing nonpayment of this debt. I did not make a payment because I was concerned about the legitimacy of the companys claim, which I was attempting to verify.