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

On XXXX  XX/XX/year>, I tried to sign into my Marcus by Goldman Sachs XXXX to check on my savings. I get redirected to a page saying my account has been temporarily locked without any notice or reason. I call their customer service several times, I am able to verify my identity with out any issues. I come to find out the my account has been locked since XX/XX/year> without any notification from the bank. All I have in my email inbox on XX/XX/year> is and email from from Marcus saying that my statement preferences changed. Everyone from customer service is unable to tell my why my account is locked and for how long it will be locked. They all say the same " it is being investigated ''. I need more clarity and a faster resolution. These are my life savings and I have important, expensive bills to pay very soon. It has been almost 2 weeks since it was locked. The company hasn't taken any clear action to resolve my issues, instead they continue to feed me the same scripted answer. I need assistance to expedite this process. Here is the case number : XXXX.
Product: Checking or savings account

This morning, XX/XX/XXXX, I received an alert at XXXX telling me that my account was overdrawn by XXXX and that an overdraft charge " transfer '' fee of XXXX was applied to my account. I contacted the bank at approx XXXX EST and was advised, in short, that my account was overdrawn because of a transaction that posted as pending from my account on XX/XX/XXXX ( amount of the transaction was debited from the available balance ) but was subsequently removed from pending on one date and posted to pending another date. I advised the representative : 1. I advised Wells Fargo 1+ years ago that I did not want to be enrolled in overdraft protection, 2. The amount that was available to me did not go below XXXX. I actually had a receipt showing my balance from a XXXX XXXX ATM on XX/XX/XXXX, and 3. That only 2 weeks prior ( XX/XX/XXXX ), I had a similar situation occur where Wells Fargo did not apply the overdraft to my account. Instead, an option to deposit the residual funds was provided to me. The representative advised me that Wells Fargo did not offer such options and that maybe their systems had been hacked. She then advised me that the bank would not allow me to remove the overdraft option from my account at all!!! I proceeded to advise her that I had email and pictures to support my claims and that the bank could not MAKE me participate in an " optional '' service that I did not want to participate in. I advised her that my account, in truth, was only overdrawn because Wells Fargo charged me an " overdraft transfer '' fee of XXXX. I told her by simple mathematics, the transaction ( which was {$36.00} ) could not have resulted in a negative balance of {$7.00} if the bank applied {$10.00} and a {$12.00} fee. My account had XXXX in it prior to their intrusion. I feel extremely violated. In fact, they did not send me an alert until XX/XX/XXXX at XXXX. It feels like this was intentionally done so that I could not make a timely deposit. I complained that this is the reason that Wells Fargo is now involved in a class action suit and is being restricted by the government to operate profitably. She then advised me that she would have to connect me with corporate because I made comments regarding their pending law suit and regulatory restrictions. She transferred me to a number that just rang. I disconnected after 3 minutes. They still have not removed the fees or charges. They should not be allowed to continue operating under such deceptive practices. I am going to contact my senators and House reps with this complaint as well. ( see attachments of all my supporting documents )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquires on my credit reports made in XXXX and XXXX that do not belong to me. They were placed their fraudulently. I filed a police report number XXXX and provided it to XXXX, Experian and XXXX to have the fraudulently information removed as well as old Addresses and Name Variations who could have contributed to this issue along with documentation from the creditors proving their investigation deemed they were fraudulent and needed to be removes. The credit bureaus refuse to remove them and my disputes come back in a few days and inquiries are factual. This is not possible if they actually completed a full investigation and looked at the documentation. This is affecting my credit worthiness and my ability to obtain a place to live for my family.
Product: Debt collection

IQ Data keeps trying to collect a debt that is owed by another person. They know the lease was signed by a family member and not me. They have no contract with me but keep trying to claim I am responsible. They also called a friend and told him I owed the debt and threatened to sue him too if he didnt pay. They also lied to me and said they had my signature but they do not. The lease shows its not mine.
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 XXXX XXXX XXXX. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I logged onto my Barclays account today & saw there was a old navy account listed on my page. I have never had an old navy account in my life. I called in & they closed it. They used my old cell phone number, address that was similar to mine & a fake email with my name in it. I then logged into XXXX XXXX  & saw there was a hard inquiry that was made on XX/XX/22 under the name XXXX I can assure you this is not me & I would love it if someone could help me to get this taken off my credit report. Thank you so much!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has broken a legally binding agreement. The status for the account I am referring to was to be updated to ( paid as agreed ; closed ) upon receiving payoff. This verbal agreement was made on a recorded line between a XXXX XXXX XXXX XXXX compliance manager and I on XX/XX/2023. XXXX XXXX XXXX XXXX has failed to deny the verbal agreement. Per Texas legislation, a verbal agreement is legally binding. Not only has XXXX XXXX XXXX XXXX failed to uphold this agreement, the information being reported is inconsistent between all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I have paid off my car loan with XXXX XXXX XXXX and they are still reporting a balance to Transunion, XXXX and XXXX. I need this loan to report XXXX on my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX XXXX XXXXXXXX Employer - XXXX XXXX XXXX Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

On XX/XX/2020, I sent a letter out certified mail to keynote consulting asking for method of verification letter and I have never received anything with the proper documentation about this account. They keep saying they investigated the account but never send the documentation I ask for in the letters stating. The debt they are asking for is XXXX but I would like to see original contract with my signature on it I have sent 3 letters out and have not received anything yet.
Product: Credit reporting or other personal consumer reports

15 USC 6802 which states '' It is the policy of the FCRA that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I request that late payments and/or XXXX XXXX XXXX account be deleted and removed. You continue to violate my rights under the United States Constitution. There are FCRA law put in place to protect consumers against bullies like this.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1. XXXX XXXX XXXX XXXX XXXX XXXX 4 late payments. 


Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, _______________ Name _______________ Address _______________ Town, State and Zip _______________ Social Security No _______________ Date of Birth
Product: Credit reporting or other personal consumer reports

I recently reviewed copy of my credit report, I am shocked by the unauthorized inquiries i viewed upon my report. Bases upon federal law I am promised accuracy for my report. I demand all these unauthorized inquiries shall be DELETED from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I simply asked Equifax to follow the law in section 605B of the fair credit reporting act. That particular section deals with identity theft. The law is very clear on how the CRA is supposed to act once they get the 4 parts of the law that I'm supposed to comply with. Equifax simply breaks the law and those not give any valid reason of how or why they do this except they feel they are above the law and that their policies can re write the law. I have complied with section 605B of the FCRA many many times and Equifax has yet to obey the law and remove the fraudulent items for over 4 years. I am asking Equifax to obey that particular law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed something with the credit agency, after 30 days they have not validated the debt, which is in violation of U.S Code 1692 ( g ) ( k ). 

I would like this deleted.
Product: Debt collection

Received phone call from XXXX XXXX from MBNA stating that I have received notice in writing ( which I didnt ), and that they have been attempting to get in touch with me concerning a debt ( which I do not have with them ). Informed her that no one has contacted me in writing or via phone, than she threatened me with a law suit and told me I will need a lawyer and they would see me in court. 
Her contact number is XXXX XXXX XXXX XXXX
Product: Debt collection

I was never aware of the collection. Never received any information. I contacted the original office they stated it was a mistake. I contacted the collection agency in XXXX and explained that they needed to verify the this. They never responded or removed the collection. I sent a debt validation letter certified mail in XXXX. They still have not responded. They are still reporting. After I asked them to stop until verified.
Product: Credit card

I went into a website to reserve a hotel. I clicked to the advertised hotel rate but when I entered credit card information to complete purchase the rate was different so I cancelled the transaction or so I thought. Next I thought to go back to make a second attempt at the rate I wanted and try again but the exact same thing happened. Next I see two emails for reservations. So I proceed to cancel the reservations because the website had stated to cancel by a certain date to cancel reservations without penalty so thought no problem I will cancel reservations as it was all within the hour I had tried to make reservations at the rate I wanted. So at cancellation, the website says if I cancel it will be charged. I immediatley call the credit card company to report the fraud and they assured me I was a vicitm of a scam. I have made several reservations in the past with no issues. I follow up today with the credit card company as this has been almost a week since I tried resolve the matter. 

I did not authorize these charges. I canceled the transaction during the process, but the credit card company explained that since I provided my information, it would show up on my account. They said it would be investigated as a scam or fraud rather than an unauthorized transaction. I clarified that I did not click to approve ; I hit cancel, believing the transaction had not gone through. After receiving an email about the transaction, I attempted to cancel through the email, but it warned that I would be charged if I did so. Consequently, I immediately called the credit card company. 

During that call on Wednesday, XX/XX/XXXX, I was assured that the issue would be resolved that same night. However, when I called back today, I was informed that it is now classified as an investigation and may take 60 to 100 days. I am concerned that the charges, which amount to nearly {$700.00}, will ultimately fall back on me despite my lack of authorization. I did not agree to these charges. Additionally, the company stated that they would cancel my current card and send a new one, but I have yet to receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} Bankruptcy XXXX XXXX-discharged Reference number : XXXX Filed on XX/XX/XXXX Court : XXXX XXXX XXXX  MI XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX Court : U.S. Bankruptcy Court XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX to me. you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Product: Credit card

I applied an American Express business gold on XX/XX/XXXX with a welcome bonus XXXX points if I spend XXXX with XXXX  days and it got approved. I also got an email from the bank for my virtual card, so I can use it immediately. But I can't open the link with the computer and cellphone with different browsers. I contacted the bank about the bank several time and talk with their IT department, the link still doesn't work. I required an expedition on the card, but they refused it. I didn't get the card until XX/XX/XXXX. So I have way less time to use the card. Now I find I am only {$250.00} dollars to reach the bonus. If I can open the link for the virtual card or if I can receive the card earlier, I will definitely get the open account bonus.
Product: Debt collection

I left the apartment with XXXX balance in my account. They are SAYING i left THE APARTMNEMT dirty, and the kitchen countertops ad to be replaced due to damage. i WOULD LIKE TO HAVE SOME PICS SHOWING THAT ( IT IS MY RIGHT ) THEY CAN NOT JUST GIVE ME PAPER SHOWING WHAT THEY HAVE DONE WITH OUT ANY PROVE PICS. ALSO, i WOULD LIKE TO SEE PICS OF THE OTHER DAMAGES. ALSO MAY i KNOW THE COMAPNY THAT CHANGE THE kitchen countertops AND SEE RECIPET A PROVE THEY HAVE REPLACET IT ALREADY AND HOW MUCH. AND OTHER RECIPT SHOWING THE COST OF THE REPAIR AND PICS OF THE APARTMENT AFTER ALL THE REPAIR HAS DONE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/2024 I am reporting a fraudulent inquiry found in my credit report
Product: Debt collection

The original creditor is called XXXX XXXX XXXX XXXX XXXX. The collections agency called Credit Clearing House of America has reported account # XXXX with a balance of {$730.00} to the credit bureaus. My credit file shows that this account will be removed XX/XX/XXXX. This implies that the account was delinquent from the year XX/XX/XXXX. However, this information is inaccurate. The medical service was performed, and subsequently became delinquent, in XX/XX/XXXX, which means that this account should be removed from my credit file at the credit bureaus in XX/XX/XXXX. I contacted Credit Clearing House of America, and I spoke to one of the agents, whose name is XXXX XXXX, and I told her that not only did I not have the medical services done in XX/XX/XXXX, but also I was not living in the Kentucky-Indiana area in XX/XX/XXXX. She actually confirmed that the account/services were from XX/XX/XXXX. She told me to write a letter to her agency, so that the matter can be looked into. She also said for me to ask that the correct date of delinquency be updated on the account. She also said that she would forward that letter to another person in the office who can/will " take care of it, '' as she puts it. However, when I call Credit Clearing House of America,  the employees are unwilling to help me.
Product: Credit reporting or other personal consumer reports

I appreciate your time to read my complaint, Im complaining about the accounts, inquiries, and addresses in my credit report. This information in my credit file are resulted from identity theft, I need these to be removed immediately. This information reporting in my file are not relate to any transactions obtaining any possession of goods, services or money that I have made or XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$760.00} XXXX XXXXXXXX XXXX Balance Owed : {$760.00} XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$390.00} XXXX  XX/XX/year> XXXX XX/XX/year>