23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have an account with XXXX XXXX XXXX. I could not remember my password and was locked out. I reset password a couple weeks back. Upon going to website today, my password and username did not work, and the system stated I was locked out. In order to unlock, the system needed to verify that I was the account holder. I believe it asked for the account number and/or name. It also required my birth date and my entire social security number. I became suspicious as most times I am only asked for last 4 digits. I can even go with last 5 digits. When I contacted Saks, they stated that's how the site verifies. However, when speaking to someone in their technical support department, they only needed my last 4 digits and she asked some public record questions to unlock the account. I stated I was not comfortable giving anyone my entire SS #. I asked that she have them look into changing how they verify an account online using only the last 4 digits. I explained why the way they are currently verifying can be cause for caution. I would appreciate someone contacting XXXX regarding the way they are verifying information because, for example, if I am aware XXXX verifies by asking for entire SS # and a scammer have hi-jacked their website leading me to believe I am on their website, putting in my birthdate and entire SS # could set up for identity theft. I feel they are not protecting the consumer to the fullest degree. 

Thank you,
Product: Prepaid card

On XX/XX/year> XXXX XXXX XXXX charged my card 2 times in the amount of {$1500.00}. I did not authorize this at all. 1 charge dropped off however another charge of {$1500.00} actually posted to my account. I did not authorize nor did I receive any merchandise. I have filed a claim with Bank Of America ( claim number XXXX ) who has repeatedly denied my claim for reimbursement. They sent me a statement of charges which shows the charge but thats not the issue. The issue is I never authorized nor did I receive any merchandise. I have made a police report with XXXX XXXX XXXX XXXX which I will upload. I faxed over this police report to Bank of America as well and have a confirmation but they are saying they do not have ( see fax confirmation uploaded ). I also went inside my local Bank of America Branch and an employee faxed over ( see business card ). Bank of America is playing and refusing to give me my money back knowing I did not authorize!
Product: Student loan

Contact nelnet about my student loan and receive no help. I filled out a repayment application, emailed it in with the correct documentation got an email response back that it was received. I was told it would take abo ut 10  business days to get a response. received another email that they needed me to verify if I was married and if I had children and immediately responded back. now they 're saying that I filled out the form incorrectly which they 've never said before. I was not told that it was on a recorded line I was not read a mini Maranda I claiming that this is an attempt to collect a debt anything obtained will be used for that purpose which is legally they are responsible to do and I still have not received any information about the form
Product: Credit reporting or other personal consumer reports

I have recently looked at my credit report and noticed that I have an account on my credit report that I have no knowledge of, nor have it been verified. I have attached a letter along with my proof of identity.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX SSN : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion Disputes Information Center Dear Transunion I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX - Account # XXXX ********* - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

2. XXXX - account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


XXXX. XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I'm writing to inform you all that these accounts are fraudulent account and is reporting ony consumer reports as charge offs. Please help in removing these accounts please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX  and Experian. The CFPB complaint numbers were XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( Experian ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, XXXX  or Experian   to resolve anything. There is also data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with Equifax since XX/XX/XXXX to get my credit score released to my mortgage company so that I can refinance my house. Every time I talk to someone at Equifax, I get a different story. This delay has already caused my rate to increase several times and increasing my out of pocket expenses. Equifax is stating there is no alert or indicator on my file, but the mortgage company is still unable to obtain my score from them as of today, XX/XX/XXXX with an error message of " Not provided by the repository ''. This is not an issue with the mortgage company, as I have had two different ones tell me this same information. Also, they are not having trouble pulling other customers information from Equifax. Please help me get my score from Equifax.
Product: Credit reporting or other personal consumer reports

The account listed below, which still appears on my credit report even after an re-investigation, I would like this item immediately to be removed and investigated and inaccuracies are highly injurious to my credit score account name XXXX number XXXX in accordance with the fair credit reporting act public law 91-506 title VI section 611 subsection A-D please provide the name and business address of each individual with whom you verify the above so that can follow up please send me updated copy of my credit report after your reinvestigation.
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. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Acoount # 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 an account without my written instruction.
Product: Credit card

I reported a set of unauthorized charges I found was made on my credit card ending in XXXX in the amounts of {$200.00} and {$200.00}. Based on the missing card report filed on XX/XX/year>, a new card was issued to prevent further unauthorized use of the card. Based on the filed report a claim number XXXX was opened, and on XX/XX/XXXX, a decision was reached ( see attached letter ) and that I was not liable for the charges and that the temporary credits were made permanent. I now realize that they went back and charged back the {$200.00} contradicting the first letter they sent. This is unacceptable and should be addressed. The transactions were not authorized by me and the card used was reported stolen, leading to those charges.
Product: Money transfer, virtual currency, or money service

We received ( XXXX $ ) on our bank account in the ( XXXX XXXX ) in XXXX and the payment was from XXXX through ( XXXX XXXX XXXX ) on XX/XX/2019 but the payment was suspended from execution and an inquiry was sent to the correspondent bank J.p. Morgan chase bank N.A., New York on XXXX XXXX, XXXX Due to lack of response within the specific period the transfer in the amount of XXXX USD under reference XXXX was returned to the correspondent bank on XXXX XXXX but unfortunately the account in the XXXX XXXX XXXX is closed And Yet both XXXX bank and XXXX bank refused to do anything so what would we do in this case
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO DISPUTE WITH CREDIT REPORTING AGNECIES FOR OVER SIX MONTHS NOW I GET NOTHING BUT BOGUS REPLIES EVEN THROUGH HERE STATING THAT THEY HAVENT GOTTEN ANY DISPUTES THATS AN ABSOLUTE LIE BECAUSE I GET MAIL STATING THE ACCOUNT WAS VERIED ACCURATE HOW IS THAT. 

I HAVE BEEN TREATED UNFAIR AND I WILL NOT TOLERATE THIS BEHAVIOR ANY LONGER SO THERE YOU GO BELOW ATTACHED MY BANK STATEMENTS THAT PROVE THAT I HAVE BEING LIED TO AND HAVE HAD MY RIGHTS VIOLATED MONTLY BY YALL. 

I HAVE NOT ONLY NOT BEING LATE BUT ALSO PAID AHEAD FOR MULTIPLE TIMES AND NOT GIVEN ANY CREDIT WHAT ELSE DO YOU NEED. AND PLEASE DONT JUST REPLY TO SUBMIT A DISPUTE I HAVE DONE THAT CLEARLY FOR MONTHS.
Product: Checking or savings account

I bank with Wells fargo. On XX/XX/25 I deposited a $ XXXX from my xfiance. Who was repaying money he borrowed from me. I deposited it in the bank machine in the afternoon. 
I went to the bank the following day to do other banking, and the check had cleared, so I withdrew all but about {$300.00} XXXX pay my loan Wells fargo historically clears checks the following day, other than weekends. 
I used to work for my xfiance for about XXXX  years. 
A few days later I see an email from Wells fargo that says my balance is minus {$6300.00}. XXXXXXXXXXXX. 
What baffled me is that the funds had already cleared, otherwise, they wouldn't be in my account. 
I also had a message saying there had been a stop put on the check, long after it had cleared, I assume by my x. 
I called Wells fargo to file a check fraud c to aim. The talked to me for awhile, very helpful, then said they have to transfer me to the fraud dept. I said that's who you are. They transfered me. To another person who needed to transfer me to fraud. This person spoke poor English. They transfered me again, to someone who hardly spoke English and she needed to transfer me, this time, they sent into their phone system and it hung u. 
They had no interest in helping me. In fact, I believe they know that my check cleared and are trying to hold me financially accountable for something they have done. It just doesn't feel right. 
I had a claim against Wells Fargo for a car loan about XXXX  years ago, where they falsely accused me of owing them a pile of late fees, when I went to pay off the loan. They were horrible. And I received help proving I had no late fees, maybe from you guys actually. Anyhow, I feel there's some falsehoods here, as well, as I can't even file a check fraud claim with them that I now feel should be a bank fraud claim. 
I can really use your help Please help. I did nothing wrong other than bank with Wells Fargo XXXX, XXXX XXXX
Product: Credit reporting

XXXX Bank froze my accounts due to fraud concerns - they highlighted multiple names associated with my SSN based off a Lexis-Nexis Accurint report. I called Lexis-Nexis, which indicated that XXXX XXXX and XXXX XXXX have my SSN. I have recent versions of my XXXX CRA reports but none indicate these names. Lexis-Nexis is pointing fingers at the CRAs, but the CRAs do n't seem to have any idea what Lexis-Nexis is talking about.
Product: Credit reporting or other personal consumer reports

These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all been charged off, which makes them certificates of indebtedness, meaning they are now considered income and income is not permitted to be listed on a consumer credit report.. 
The following account is listed as an open collection, XXXX XXXX XXXX. A collection account can not be listed open, it is inaccurate.
Product: Money transfer, virtual currency, or money service

My wife and I who are XXXX XXXX XXXX XXXX  and XXXX  XXXX  were scammed viciously by a Truist Bank customer. And, Truist Bank System did not protect this from happening! Now they say that our case is closed. We dont want This case closed. We want it current or reopen! 
Thank You Very Much XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reported for the credit bureaus that I was 30 and 60 days late. However my account was paid in full and closed out back in XXXX of 2019 I contacted credit strong and they stated that they would resubmit the corrected information to the credit bureaus to have it fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was already charged XXXX point for a XXXX medical bill, now charged another XXXX points for the same medical bill. My credit had gone from XXXX to XXXX in one month. Also I have XXXX, no late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let me inform the Experian Bureau again, that I was a victim of identity theft, and this is another complaint I am submitting to request for the removal & blocking of these fraudulent inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove & block any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this identity theft report in my previous complaint & I am including it again here. Also, the data you provided on these 2 remaining inquiries are UNKNOWN to me and were already REMOVED from other bureaus and so I am starting to have doubts about your reporting accuracy. Please see these remaining inquiries below that you needed to REMOVE : EXPERIAN : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. This complaint is to notify you if you do not remove & block the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Product: Debt collection

they send a collection letter back in XX/XX/XXXX asking for money for rental property claiming that i break the lease, i sent them my lease and profe that it was expired in XX/XX/XXXX and i moved out in XXXX. 

on XX/XX/XXXX they send me another letter ( after a year ) asking for the money again, and telling me that the collection was submitted to the credit reporting agencies.

called again and they claim that the renter didn't get a proper notice that i was leaving though in my first letter i provid them with profe that i gave them 90day notice ( lease require 60day notice ). collecting agency was very rude and refuse to listen
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I had a fraudulent charge of {$320.00} reported on my account by XXXX XXXX XXXX and I called and wrote to both them and Transunion. I never received anything back from either company. I then issued a dispute and transunion replied it was investigated and was a valid charge. I then wrote and called again and the billing company finally found their error and notified transition that it was in fact a billing error. On XX/XX/XXXX my credit account was changed to say the {$320.00} was " paid off '' implying that I paid the fraudulent charge instead of just removing it from my credit report. I then issued another dispute with them but it still say 's " paid off '' and it would stay on my credit report until 2026. That would not be fair as I never owed that money. Thank you for handling this for me as I have spent many frustrating days on the phone and writing letters.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX CREDIT REPORTS WERE REQUESTED. PHONE CALLS WERE ADE TO ALL 3 BUREAUS REQUESTING INACCURATE DATA TO BE REMOVED. IDENTITY THEFT REPORTS WERE FILED. DISPUTES WERE MADE WITH BUREAUS AS WELL. CFPB REPORTS WERE FILED AND MANY REQUEST/COMPLAINTS WERE NOT RESOLVED.

I HAVE NO HAD ANY ACCOUNTS WITH US AUTO FINANCE AND REQUEST THE INACCURATE INFORMATION REPORTED BY XXXX, XXXX - XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want them to delete that from my Credit that affects me my credit they request credit without my authority
Product: Debt collection

There is an ambulance bill on my credit. I've tried to dispute this many times and they won't take it off. I have contacted XXXX and my account was active and a letter is on its way to me in the mail proving my account was active and they should of covered it.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.

Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Certified mail was sent to Foursight Capital and it was received by them on XX/XX/year> with a FOIA request to obtain information regarding obtaining a copy of the original promissory note, the original ledger showing that Foursight Capital lent 0.01 cent of their own money to fund the loan for the vehicle, and any and all documentation showing the collateralization of the note. 

I contacted Foursight Capital via phone several weeks after the letter had been sent, and I spoke with a customer service representative who transferred me to XXXX XXXX in the Loss Mitigation department. He advised me on the phone that they showed no record of anything being received and told me that according to his supervisor, I had to be transferred back to customer service to obtain the information I was requesting. The call was transferred and never picked up again. 

To this date, Foursight Capital has failed to respond to the FOIA request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. Please update
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act This creditor has violated my rights under 15usc1681 section 602 states I have the right to privacy 15usc1681 604a section 2 it also states a consumer reporting agency Can not furnish an account without my written instructions.

Under 15usc 1666b a creditor may not treat a payment on a credit card account Under an open consumer credit plan as late for any purpose.