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

My name is XXXX XXXX. I am contacting you about my checking account with TRUIST bank. This company charged me XXXX over draft fee. They credited one of them. I am contacting you because I feel I was very much charged these fees when I should not have because when these pending charges cleared my account the money was there. XXXX pending charge caused my account to go in the red. At that time ALL the charges where pending. However when the bank did their update at midnight the XXXX XXXX charge is still pending and there is money in the account to cover that XXXX charge now. I could see if when all the charges CLEARED my account was in the red but that is/wasnt the case. How in the world could TRUIST charge me these fees. I contacted them and the first CSR was going to try to refund me ONE of the fees but I told her all those fees should be removed so I wanted to take to a supervisor. She transfered me to XXXX. After taking to him, he said the account charges where correct and wouldn't remove them. Hands down this isn't right. Can you please help me look into these fees. The date is XX/XX/2022. Please let me know what other information is needed to help me fix this issue.
Product: Credit card

This problem came to light back in XX/XX/year> when i requested an increase in my credit line. I contacted Capital One and they said I had litigation pending against me but could not tell me anything further. When they refused to answer my questions, I filed a claim with CFPB and when they finally responded they attached the account of someone completely different than me in Texas. I grew frustrated and filed another complaint. This time, I was sent a court case that was originally filed against me 14 years ago and has since been vacated. The court case they have erroneously attached, case number XXXX XXXX XXXX in the circuit court of XXXX XXXX, IL- does not exist as it has long since been vacated. I have searched for any records pertaining to that case and they are not available. 

Capital One has previously displayed their horrific attention to customer details by attaching the wrong customer 's financial information to a previous complaint, and now they seem to be making up court cases to deny my credit line increases.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I did not authorize this company to pull my credit. This is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has refused to remove a fraudulent account from my credit report despite me advising the company that after investigating the account they are reporting, I have found the account to have been opened by someone other than myself. XXXX 's attorney XXXX XXXX, advised that an identity theft report must be made in order for them to stop reporting the fraudulent information. I have completed an affidavit with the FTC and would like the fraudulent information to be blocked or removed from my report immediately.
Product: Credit reporting or other personal consumer reports

I am listing one account Fraudulent from my Experian, Equifax and Transunion. XXXXXXXX XXXX XXXX Listed account does not belong to me and must be removed from all my 3 Credit Reports. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Experian, Equifax and Transunion mark listed account as Fraudulent and remove from all my 3 Credit Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX Account Number XXXX Chapter XXXX bankruptcy dismissed XXXX XXXX  XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I reached out to XXXX XXXX XXXX several times. After to speaking with numerous of representatives and to my medical insurance company, I was informed by my insurance that they were supposed to submit a claim to my medical insurance. I called XXXX several more times and they told me I had a XXXX balance and they would submit the claim. Well that didn't happen and then they sent my account to Wakefield Collections and now this is on my credit report twice. I sent XXXX my proof of insurance coverage and my medical id information and still they reported me to the credit agencies. 

Apparently they like for you to pay an enormous amount out of pocket so they can get more money instead of the contracted amount paid through insurance. This is ridiculous. I email and called and they never once responded back to me. Just screwed my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed that I have been a victim of identity theft. I did not authorize any company/person to pull my credit in regards to the items listed below. All of the following inquiries were not authorized by myself : XXXX reported on ( Equifax ) XX/XX/2020 XXXX/XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( Equifax ) XX/XX/2020 XXXX XXXX/XXXX  reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX  reported on ( Equifax ) XX/XX/2020 XXXX  XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX  reported on ( XXXX ) XX/XX/2020 XXXX  XXXX on ( Equifax ) XX/XX/2020 XXXX  XXXX/ XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX on ( Equifax ) XX/XX/2020 XXXX XXXX on ( XXXX ) XX/XX/2020 XXXX reported on ( XXXX ) XX/XX/2020 A Police report was filed with XXXX COUNTY TX POLICE DEPT
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau and data finders are reporting false, misleading, non XXXX XXXX compliant, information ( XXXX ) on my credit bureau. I have challenged the validity of the XXXX on my report. They have informed me that they are getting the information from third parties such as XXXX XXXX and the court house. I have sent a challenge letter with a letter from the Bankruptcy court saying they do not provide any information from third parties. I also included in the dispute letter a letter from XXXX XXXX that they deleted the fales, erroneous, misleading bankruptcy from their report. They came back and said it was XXXX XXXX that validated the XXXX ... even though XXXX XXXX said it wasnt on their report. How can you validate from lexis nexis if they deleted it? I want it removed immediately
Product: Credit reporting

My credit report lists an incorrect " 90 days past due '' payment to the department of education for my student loans from XXXX 2012. I had made payments during that time to the new loan servicer ( " XXXX XXXX '' ), and have proof of these payments, so would like this incorrect information to be removed from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIMOFIDENTITYTHEFTNOTICEDUNAUTHORIZEDINQUIRIESONMYREPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX last week to see why they haven't reported an account that I'm a co-owner/ authorized manager of. When I called them and opted in they told me I have two accounts with them. I informed them that the only account that I had was a shared account with my husband. The lady I spoke with tried to verify the information with me and asked me my email address. When I gave her mine she told me the the email address attached to this account and other information was different and was something I NEVER heard of. From there she prompted me to talk to the Fraud department which I did and they said they would investigate it. However, after being informed of this fraudulent account, XXXX XXXX XXXX, they conducted a full research and found no fraud in under 7 days time. They also gave me a " case number '' XXXX. However this is clearly another case of Identity Theft. They have NOT sent me any information to me regarding this account even after I requested. However from calling the XXXX number I find out they have sold this Fraudulent account to Portfolio associates while it was still in dispute status. I am documenting this complaint as a record both to XXXX XXXXXXXX XXXX  and Portfolio associates that they are trying to collect on an account that is COMPLETLY FRAUDULENT. I notified authorities on XX/XX/2021 that I was a Victim of Identity theft and since then have frozen my credit and enrolled identity theft precautions with each bureau. I have also submitted this to the FTC and refuse to be charged for goods and services I've never requested nor benefited from. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. As of right now neither XXXX XXXX nor Portfolio have sent me any information regarding this Fraud account. The FCRA has rules regarding identity theft and Both companies are operating against the law.
Product: Debt collection

This company called me stating that I owed money to a hospital that I did go to, however I had shown that hospital my insurance documents, so they are sending a fake scam debt collection to me. Not only did she not try to work or apologize when I had that information, she then proceeded to find another debt at another hospital. This tells me that this company, XXXX XXXX XXXX XXXX is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of credit report in Inquiries section, XXXX XXXX XXXX XXXX XX/XX/2023, XX/XX/2023. 


Note : Submitted complaint to XXXX XXXX. to remove unauthorized inquiry on XX/XX/2023 ( CFPB # XXXX ). Due to request being > 1 month old, legal process to remove the information has begun. Third parties involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

So This person told me she can transfer me tickets but had to pay her by paypal but never send me the tickect for a concert. She send me a picture of the tickets and it looked real cause it was by the website. She block me off in XXXX and got {$100.00} from me. So she scam me. And I would like to cancel that or get a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX  : XXXX a natural and real living human being ( consumer ) who is the Beneficiary of XXXX XXXX XXXX have been disputed these accounts below for the last 3 months and and I received my updated credit report that TRANSUNION dated XXXX XXXX that said they have verified these disputed items : XXXX XXXX XXXX XXXX XXXX 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 XXXX. 

How is it possible for these disputed items to have been properly verified because if so they would have been accurate across all 3 credit reporting agencies instead the same inconsistencies of my first two investigation that still remain. I know for a fact that each account disputed has inconsistency of such as incorrect Date opened, Last activity, High balance or last payment entered on my credit report. ( See Attached ) I asked for them to send me the exact process that was used and who determined these accounts were accurate including First name, Last name, badge number, telephone number and position with TRANSUNION and how long they been with the company. Pursuant to 15 U.S.C 1681 ( I ) 7-Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The anxiety and stress this is causing me has me prepared to seek civil damages against TRANSUNION for the violation of my consumer rights & if these accounts are not Deleted immediately that will be my next step. This was not drafted by any 3rd party, I am a law major and very familiar with my consumer laws.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and notified your agency on XX/XX/year> about some items I disputed. Care was NOT taken into this matter as it has yet to be resolved in a manner thats FAIR and EQUITTABLE to me, the consumer per the Fair Credit Reporting Act regulations. I mailed off my notice to your agency and you responded with the accounts being verified and currently remain on my credit report. 
I explained the violations your company committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent violating the permissible purpose section of the FCRA. This leads to way of identity theft, violating the block of information resulting from identity theft section, which leads to a violation of the civil liability section of the FCRA. I informed your agency of all of this in my previous notice. 
Your agency has clearly refused to obey the law and honor my previous request so I am requesting now a reinvestigation and demanding that your agency to explain your Method of Verification, in verifying these items, pursuant to the Fair Credit Reporting Acts Procedure in Case of disputed accuracy section, 15 U.S Code 1681i ( 7 )
Product: Credit card

This is a follow up to complaint # XXXX The company, American Express, has sent a letter to try and explain the situation. The letter was erroneous and condescending. It did not address the main issue of misleading advertising for their credit card product. I have attached their letter. They reference disclosure number XXXX for the XXXX XXXX XXXX, but on their advertising brochure, reference XXXX is not even on the same page as the XXXX XXXX XXXX benefit. Furthermore, the company American Express uses to process credit card applications, was also mislead by their advertising brochure, as they are the ones who initiated an investigation. 

In addition, the American Express XXXX dept has blocked my email address from reaching all XXXX domain names. This is an incredible act of power over the consumer. Either they take customer concerns seriously or not ... ... to basically turn off my free speech by blocking my email address is unprecedented.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries that I dont recognize on my credit report. Please investigate this issue. These inquires I did not authorized. This is improper use of my information and Its damaging my financial reputation. If there is no evidence to suggest or verify it was me, please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XX/XX/2020 at XXXX XXXX you send me an email about my forbearance plan that ending soon. 
It confirms that we had a forbearance plan during the COVID-19 pandemic. Why are there late payments on my credit report during that plan you offered? I attached credit report for your review.
Product: Debt collection

The credit card was opened for my Company, XXXX XXXX XXXX and was not personally guaranteed by me. Once I closed the business in XX/XX/XXXX the card remained on my personal credit report. I hired a lawyer, XXXX XXXX XXXX in XX/XX/XXXX to contact Capitol One to require them to prove I was the personal guarantor. They were unable to do so, stating that the collector for Capitol One admitted they couldn't prove I was personally liable. 

This was a company card, NOT a personal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I had over XXXX XXXXXXXX ( {$5300.00} ) stolen from my Wells Fargo account through multiple XXXX XXXX transactions that was never authorized by me through a passcode on my phone or XXXXXXXX XXXX to be sent out & no evidence it was actually received by the recipient ( my girlfriend ). 

After 10 days of research into my fraud claim, Wells Fargo said my claim was denied despite them failing to provide evidence through texts ( on my end or my friends ) that the money was sent and that the money was deposited in the bank account ( XXXX XXXX XXXXXXXX ) of my girlfriend. If an XXXX XXXX payment is not accepted within 7 days, its sent back. That never happened. They couldnt explain that either. If that money was deposited in my girlfriends account, this wouldnt be that big of a deal. Id just have her transfer the money back. 

This is thievery. Ive been with Wells Fargo for almost two decades and this is how they treat their customers They told me there was nothing else they could do and pushed me to either get the police involved or contact XXXX who would just tell me its a bank issue. They are blame shifting and have put me in a really terrible spot financially I just bought a ring and Im getting ready for a wedding too..
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX my credit was used without my authorization I notified Experian ( XX/XX/XXXX ) about it when I tried to use my credit & kept getting denied of a loan because of a delinquency that I wasnt aware of I notified them that the transactions & accounts werent open by me & it was identity fraud. I saw an update to my dispute notification within a couple weeks but the same information that was supposedly removed wasnt.
Product: Credit card or prepaid card

called to dispute card opening and charge was told '' I commited bank fraud " and im going to be arrested!! refuse to dispute charge from XXXX XXXX refuse to take my dispute refuse to stop calling me and threatening me calling me over 45 times rude fraud rep telling me they don't care if someone else used my card im paying the bill or there ruin my credit incredibly abusive fraud back office operator told me " you commited bank fraud " refuse to listen to me combative morons!! refuse to take off credit or follow ANY federal laws whatsoever ever refuse to dispute refuse to stop calling! yelling scream tell me I a fraud there not going to listen back office fraud refuse and kind of detail on charges yelling a screaming at me I commited bank fraud abusive combative could get a word any edge
Product: Credit reporting or other personal consumer reports

You've consistently reported these accounts incorrectly for several months now! The following accounts are being reported incorrectly, even in the comments section. These account numbers erroneously reported as late payments and it's infuriating how you keep reporting inaccurately. According to our compliance protocol, it's imperative that you promptly delete them. Please note that this isn't a matter of correction but removal. I've raised disputes regarding this matter multiple times, and you must remove these erroneous accounts.
Product: Credit card or prepaid card

Citibank continues to place irrational responses and their delayed behavior as an excuse my account never represents my available credit usage. I made a payment of {$500.00} and after the immediate withdrawal from my account which was confirmed by Representative XXXX from XXXX XXXX XXXX, Citibank claims the monies has yet to be confirmed etc. This is unacceptable. This is the 4th time Citibank has deployed this tactic not reflecting my actual balances and available credit. Please investigate immediately.
Product: Debt collection

PHNX FINAN is claiming that I owe them {$1000.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Mortgage

Midland mortgage cant not provide a wet ink signature of a promissory note nor purchase agreement nor booking records or corporate records. Then XXXX that works there lied and said it was transferred to them when another manager at midland started on recording line that they purchased in a large volume with or the promissory notes. My issues is this Title 31 U.S.C. 5118 ( d ) ( 2 ), 31 U.S.C.A. 463 and Public Law 97- 258 ( XXXX XXXX ) In accordance with 31 U.S.C 5103 and USC 8, such Promissory Note Instruments are " NATIONAL BANK CURRENCY '' and thereby coin or currency of the United States XXXX by Rule of Law, U.S. Supreme Court , and Private BAR Association Statutory Bylaws Legal Definition . Th Little promissory note is " THE EQUIVALLENT OF MONEY as per 12 USC 1813 ( L ) and must be accepted by all banks and financial institutions as payoff, set off, discharge, and deposits. So why are they saying I have a debt. According to law its been paid with XXXX XXXX. Also according to common law not contract law. Also 15 USC 1692 they cant put gym y mortgage and come after me. Midland Mortgage does not have the proper documentation nor on my deed due to I have not signed anything with them
Product: Credit card

I have XXXX collection accounts listed on my credit report : XXXX from Midland Credit Management and the other from XXXX XXXX XXXX. Both accounts are associated with credit card accounts from XXXX XXXX, which I have never opened. These accounts are the result of identity theft. I have reported this issue to the XXXX XXXX Police Department, and my police report number is XXXX. Additionally, I have filed an identity theft report with the Federal Trade Commission ( FTC ), and my reference number is XXXX.
Product: Checking or savings account

I have an account with U.S. Bank and I was recently scammed a couple months ago. The day I was scammed by a fake loan company that used my bank information deposited a fake check and funds was withdrawn from my account without using my bank card. I filed a police report and went into the nearest us bank to my home and the branch manager said he called and emailed but took weeks to get back to me and Ive been calling us bank every other day and week asking for an update but my account is frozen. The branch manager said that there was nothing he could do and was no help at all and now my account is frozen with my hard earned money in my account that I would like back.. you can say the most recent deposits in my bank statements. This is all because I wanted to apply for a personal loan because I needed the money. Us bank is treating me like I deposited the fake check when Ive been a loyal consumer for almost XXXX  years and never had an issue like this yet they still havent responded or just give me my money back and its going on 90 days .. just looking for some guidance or response. Ive been getting the run around since the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple hard inquiries initiate it on my credit report without consent this is a federal violation of the creditors that Ive tried to issue and access my credit report without authorization and or consent given initiated several written letters Recieved Federal Certified mail to all three major credit bureaus Transunion XXXX and XXXX  to remove these credit hard inquiries off of my credit report immediately