23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I mistakenly transferred $ XXXX from my checking account to my credit card instead of my savings account. Upon realizing the error, I contacted Wells Fargo customer service to request a reversal or refund. The representative informed me that the only option was to send a check within 30 days. 

On XX/XX/XXXX, I called XXXX to check the status. They told me they had no way of checking the status and advised me to call back if I hadn't received the check by the end of the 30 days. 

On XX/XX/XXXX, I called the same number again and was informed that the check had been sent on XX/XX/XXXX and to allow a few more days for delivery. 

By XX/XX/XXXX, I still hadn't received the check. When I called again, I was told the request was still awaiting approval, contrary to what I had been previously told. A representative then generated a case number XXXX and provided an XXXX phone number, XXXX. 

On XX/XX/XXXX, I called the XXXX number. The representative stated they didn't have a status update and would need until XX/XX/XXXX to investigate further. I requested to speak to a XXXX, but none were available. The representative committed to having a XXXX call me with a status update no later than XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card

I opened a Gap credit card on XXXX XXXX, 2010. I had years of good payment history, however, soon after moving to XXXX, XXXX, despite notifying them of my new address, they were sending my bills to a XXXX XXXX that was in my mother 's name, in XXXX. I contacted them many, many times about this issue, and had previously submitted a complaint against them. I tried working with them, and they pushed me to make my payments online, but I explained that I paid all my accounts with checks, and did n't feel comfortable using their online platform to make payments. There were several attempts on my part to get my address corrected, and get my statements sent to my home. Each time, a rep assured me that the issue was corrected, but then I would never receive my statements. Finally, they contacted me to say that they were closing my account. I have 5+ years of history on this account and a good limit, all of which were good for my credit score. They closed my account because I missed some payment, but I missed those payments because they did not send them to me, and I could n't review them. Having this account closed negatively impacted my credit history. Now that the account is closed, they have finally figured out how to send my statements to the right place, and I 've been paying on time, like I always had, before this was an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts as someone opened up these accounts with my social security number and another name. These accounts do not belong to me, nor do I have a contract with anyone of them. Please remove these accounts from my credit profile in it's entirety.
Product: Credit reporting, credit repair services, or other personal consumer reports

*According to my most recent credit report, XXXX  and XXXX  are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern XXXX, XXXX. XXXX XXXX, XXXX, Georgia XXXX XXXX, XXXX. XXXX XXXX, XXXX, Texas XXXX Trans Union, XXXX. XXXX XXXX, XXXX, California XXXX I recently pulled a copy of my credit report and noticed the following information is in error : 1 XXXX - PULLED ON : XX/XX/XXXX *** NO RECORD FOUND *** IT SHOWS NORECORD FOUND 2 TRANSUNION - PULLED ON : XX/XX/XXXX - INFILE DATE : XX/XX/XXXX NAME : XXXX XXXX NAME : DOB : XX/XX/XXXX SSN : XXXX MY SS NUMBER IS WRONG PLEASE FIX 3 XXXX - PULLED ON : XX/XX/XXXX - INFILE DATE : XX/XX/XXXX THIS IS NOT CORRECT I BEEN LIVING IN THIS ADRESS FOR MORE THEN 3 YEARS NAME : XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX , XXXX XXXX , FL XXXX XXXX REPORTED XX/XX/XXXX I I lived at these addresses. Since XX/XX/XXXX Please remove them. 
My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I been living there since XX/XX/XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, PLEASE UPDATE MY PHONE NUMBER XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting

I have sent Experian proof several times how XXXX XXXX has been ( for over 3years ) falsely report to companies that I have late payments from 30-120 days late yet I was granted a deferment for these XXXX account ( total ). 
Experian is avoiding my request by keep sending me a letter staying they were unable to honor my request because I did not provide sufficient identification information for them to verify my identity. This is what Experian keeps sending me every time I try to have them investigate those XXXX total XXXX accounts that 's currently being falsely report late payments of 30-120 days late years after I was granted a deferment. 
Please read the attract proof of claim.
Product: Checking or savings account

On XX/XX/XXXX my vehicle was robbed. My wallet was stolen including my Id and debit cards to TCF BANK. That very weekend the bank was merging to Huntington bank. I called immediately to TCF and reported cards stolen and wanted everything frozen including business checking and savings account. Somehow within the merge between the two bank the locks did not fully lock my accounts. The thief used my Id and went into multiple banks in XXXX XXXX, IL and XXXX XXXX, IL and took out large withdrawals and cashed fraudulent stolen checks made payable to me. They apparently went through a drive through and cashed a XXXX $ dollar check ( through a drive through ) made payable to me, which I wasnt even aware you were able to take that kind of money out through a drive through. Then 5 minutes later the thief went in same bank and took out XXXX $ cash with-drawl with the same teller. I was told they then went to another bank and cashed XXXX $ fraudulent check. Totaling XXXX . I reported the cash withdrawl immediately on Thursday XX/XX/XXXX when I seen it ( because that was only transaction that showed up on my account since the checks had not cleared yet ) and was in shock how all this could happen when my accounts were supposed to be flagged and locked. When I went into the branch in XXXX IL and they started looking into it, this is when they found out about the fraudulent checks cashed as well. The workers at Huntington bank in XXXX, IL assured me my money would be refunded and they would take care of it. Fast forward 3 1/2 weeks later and they still have no answers for me and still have not refunded my money. They have left me at a dead end and when you try and call corporate no one gets back to you. I feel as though Huntington is not trying there best to help me and refund my money. They just let someone come in to multiple branches and take money out my account and did not verify good enough that this person was indeed me. Also there security within the merge was obviously not planned out well enough, that Huntington Bank even claims they have no access to notes or things that TCF did on my account! How is this even possible when they merged over? They should have access to everything. Very very unprofessional. When people are supposed to feel safe and secure keeping money at the bank, they make you feel the complete opposite.
Product: Debt collection

I have no debts and they are calling the wrong number. I have asked them to stop but they still call repeatedly.
Product: Credit reporting or other personal consumer reports

I am writing to inform you of a very serious matter regarding fraudulent personal information that has been associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing me significant distress and concern. I have become a victim of identity theft and have already taken the necessary steps to report this incident to the proper authorities. 

This fraudulent information has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your full cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence, and if required, I am ready to take legal action to protect my rights and seek appropriate compensation for the damages I have suffered.
Product: Credit card or prepaid card

On XX/XX/22 I ordered merchandise from XXXX XXXX totaling XXXX. I never received this package ( confirmed via security camera at my front door ) and reported it to XXXX XXXX by phone. XXXX informed me that it would promptly remove the charge. However, it failed to do so. When I followed up, XXXX said I would have to dispute the charge with the bank servicing its credit card ( Barclays ). 

On or about XX/XX/22, I reported the issue to Barclays and received a case number for its investigation ( XXXX XXXX ). 

On XX/XX/22 I contacted Barclays for an update and was informed that the investigation had not been initiated and promptly would be started. After receiving another account statement with the disputed charge still being billed, I contacted Barclays on XX/XX/22 and was told the investigation with the merchant was not complete and that Barclays would remove the disputed charge while the investigation was underway. This charge has NOT been removed by the Barclays and is still on my bill along with two billing cycles of interest charges on it.

Further, Barclays never informed me in writing about the disputed charge or the investigation, in violation of federal regulation. Also, it has not completed its investigation within the required 2-billing cycle timeframe.
Product: Bank account or service

I have been banking with Wells Fargo for a number of years and they refuse to increase the amount I can withdrawal from the ATM. Since I opened my account I have only been able withdrawal {$310.00} per day. This limit is too low, especially with me being a long time customer. The website states to speak to a banker or call to have the limit increased however whenever I visited the branch XXXX XXXX to have my limit increased to at least {$500.00} the banker told me it is impossible to increase my limit. Are you kidding me?? Is it because I am a XXXX man or because of how I look automatically keep me with a lower card limit?? I have been married to my wife for 13 years and we go to work everyday to help improve our way of life. Also my wife works XXXX, and has been there for over 10 years, so I know its not impossible to increase my card limit. The banker did n't even check on anything he just automatically said no. Is it because at the moment my account balance was not what he wanted to see?? Also why even have the option on the website if your not able to do. I have had so many issues with Wells Fargo and I normally do not complain but this is the last straw. Even direct deposit cards have a higher limit than that. I really enjoy banking with Wells Fargo but I am really considering switching to another bank. All I want is my card limit increased for ATM to at least {$500.00} given that I have banked there for many years. Is this too much to ask??
Product: Credit reporting, credit repair services, 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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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: Student loan

firstnark student loans has ruined my credit- I had XXXX XXXX XXXX they repoirted me as late to the credit bueraus causing my credit to go down to XXXX i have asked a XXXX  times about loan forgiveness - was not aware these loans were private and not federal loans. They ruined my credit!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS URGENT!!!! FREEZE MY CONSUMER REPORTS IMMEDIATELY!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After numerous attempts to obtain my credit file failed, I downloaded the XXXX request form and mailed it certified mail. I received only my XXXX  file and a post card addressed to me requesting a copy of my drivers license, utility bill, insurance documents, and/or bank statements. I am XXXX XXXX XXXX, and maintained residency at the same location more than 30 years. No company name appears on the post card only address XXXX. XXXX XXXX, XXXX Tx XXXX. The information I provided on the form was sufficient for XXXX  and I find this request abusive and harassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX XXXX XXXX  XXXX XXXX - Account : XXXX. 
Creditor : XXXX XXXX XXXX- Account : XXXX .... 
Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance to the XXXX XXXX XXXX XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It should be known that this complaint is filed against both TransUnion and XXXX for reporting incorrect information, invalid information and incomplete information from my credit reports. Said information is violating the FCRA and due process of federal law and is affecting my credit score and potentiality for credit. The adverse information is from a account named XXXX XXXX XXXX under account number XXXX for {$140.00}. This problem was disputed with both TransUnion and XXXX and both credit bureaus denied my disputes and deemed all information in reports to be correct and verified. No other disputes are pending for this account. Said errors and discrepancies are asserted below and in support of this complaint, a copy of the consumers smart credit 3 bureau report is enclosed for review so all errors and discrepancies can be ascertained and be validated. The said errors and discrepancies are : 1. Both reports from TransUnion and XXXX are missing date account was closed. 2. Both reports from TransUnion and XXXX are missing date of last activity. 3. TransUnion reports this account under account status as open. This is a account that has been closed, sent to collections, and sent to a collection agency. No collections are open accounts and this account is closed and should not report as a open account. 4. Both bureau reports are missing past due amounts. 5. Both bureau reports are missing date of last payment. 6. TransUnion report says under Dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. 7. Under Creditor 's Remarks it says account disputed on TransUnion report. Said dispute has been over and no other disputes exist. Once dispute is over, TransUnion was obligated to remove all codes and remarks about disputes from the report, which TransUnion failed to do. 8. XXXX report shows under Dispute status and Creditor 's Remarks that account is disputed. Said dispute is over and no other disputes exist. XXXX was legally obligated to remove all codes and remarks about disputes from the report but failed to remove them. All errors are blatant, are numerous, and violate the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX the XXXX these appeared on my credit report by XXXX XXXX which, XXXX XXXX was removed from my report and all of these stayed on, I did not authorize or talk to these company at all for any financing so please remove them from my credit report as well. Lately I have had a lot of companies jumping on my credit report without and authorization from me. All of these companies appeared on my account the same day XXXX the XXXX XXXX CREDIT ACCEPT CORP/CAC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My personal information was used to obtain credit and loans without my knowledge or consent, including an account with XXXX XXXX. I recently learned that XXXX XXXX reported a fraudulent account as delinquent/charge-off of my XXXX credit report ; however, I was informed that the account was sold to Denali Capital and that Denali Capital is reporting the account to XXXX. I have been unsuccessful in my attempts to speak to anyone at Denali Capital and they continue to report this fraudulent account on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed discover bank have placed a hard inquiry on my profile and I never applied for any type of account or credit card with them I have no knowledge of this inquiry
Product: Credit reporting or other personal consumer reports

A JPMCB card is reporting to my credit report that is not my personal card and should not be reporting to my personal credit report. The card was opened in XX/XX/XXXX but did not report to my credit report until XX/XX/XXXX. This card needs to be removed from my personal credit report immediately as it is a violation of my rights under the FCRA. The credit bureaus did not conduct proper investigations into the matter.