23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XXXX/XXXX/2015 person ( s ) unknown attempted to open or opened an account with XXXX/XXXX XXXX, XXXX. XXXX XXXX, XXXX, OH XXXX, telephone number : XXXX. I became aware of this due to a fraud alert on Experian Credit. I need to have this investigated to determine if the account was opened, closed, etc. also, if my credit report was requested then a hard credit inquiry would be on my credit report. I need to have this removed. I am calling XXXX XXXX to find out what information they have developed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are still here and I am writing to dispute these accounts. I did not owe these debt and it does not belong to me. I never established these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I decided to set up auto payments every two weeks including a small amount extra to go towards principal so that I could pay off my mortgage quicker. As I was finishing up the process I noticed a disclaimer that stated my money would be held until a full payment was collected then it would be applied to my loan. Since I just made a full payment on the first of XXXX and my first " every two weeks '' payment would be on the XX/XX/XXXX I wondered if my money would be applied to my loan or what that meant to my finances. I called Quicken and asked them to explain. I was told in fact their policy is to hold my money until a full payment was gathered, then apply it to my loan. I explained I just made a full payment and this money should be applied as soon as they receive it. But again was told it's Quicken 's policy to hold until a full payment was collected. This IS an unfair practice. My loan would be paid off even quicker if they applied the money collected every two weeks at the time they collect it, which is my goal and why I decided to make auto two week payments. I do understand it still will be paid off quicker but the point is they hold money for two weeks which allows more interest to accrue on my loan. I pay an interest on my loan to pay Quicken for allowing me to use their money to buy my home. By using this option not only does my home loan not get paid off as soon as it could but Quicken is using money, for free, for two weeks and every dollar from others who choose this option. I also asked what if I just paid an extra amount equal to half a payment every two weeks without using the auto pay option and was told Quicken 's policy is to hold that money until a full payment amount was received. Again, an unfair practice to consumers that keeps us in debt longer than we should be. I have used Quicken 4 times for loans and have been satisfied up to this point when I discovered this option to help me pay off my loan quicker isn't paying my loan off as quick as it could and should and allowing Quicken to use my money for free for two weeks to pad their own accounts. This is NOT fair to consumers.
Product: Credit reporting or other personal consumer reports

Hi I'm XXXX XXXX XXXX, I've been a victim of identity theft due to the XXXX data breach, and I've discovered misleading items linked to my profile. 


XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$760.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX : {$760.00} XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXXXXXX Balance Owed : {$390.00}
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I believe navient had wrongfully charged me by putting my loans in forbearance in the past and has now charged me for the intrest and added it to the total of my loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau : Equifax Date of Inquiry : XX/XX/17 Company information : XXXX There is a hard pull showing up on my credit report, but I did not authorize this. Equifax is unable to help me remove it.
Product: Student loan

I set up auto payments on the website. The first payment was due XX/XX/XXXX and wasnt pulled. The website showed I was late on my payment on XX/XX/XXXX. I tried making a manual payment on the website and it wouldnt go through as the website was broken per usual. Finally got someone on the phone and they submitted the payment for me. They reassured me that I wouldnt get charged twice but I ended up getting charged twice. I want a refund for my 2nd payment
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax via phone on XXXX XXXX. At XXXX EST I spoke with a representative and advised him that my consumer report was not fair and equitable to me due to the information that had been published on the report. I was advised by the rep that he was unable to remove any accounts but that he could start the dispute process. At that time I advised him that Equifax did not have my written authorization to have the information or to publish my information. I advised that I did not want to dispute the items but wanted the items removed. The information that I want removed has been disputed several times due to being inaccurate. At XXXX XXXX the supervisor stated that the FCRA stated that the information could be published anyway. At that time I stated that there is no obligation to publish my personal non public information anf that I have a right to privacy and that I have never given consent to have my information published. The rep refused to adhere to my request and the call ended. At XXXX XXXX  EST I called back, spoke with XXXX, and was transferred to XXXX and was connected to XXXX. I stated that my consumer report is not fair or equitable to me and that I was demanding to have the information removed and specifically stated that all of the Accounts associated with the US Department of Education would need to be removed and not disputed, the rep stated that I needed to wait 7 years, I advised that I did not provide consent for my private non public information to be published and that I have a right to privacy. Equifax did not exercise gave responsibility, was not not partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 b ( 2 ) Equifax never had a permissible purpose. I also stated several times that I did not want to dispute the accounts but that I wanted them removed. I requested for all late payments to be removed and citied 15 USC 6821 ( A ) ( 2 ) to advise him that furnishing fraudulent late payments is a violation and that is why I want the information for these accounts removed. Again, I advised that my consumer report needs to be fair and equitable to me and I have the right to privacy. I requested to speak with a supervisor after stating at XXXX XXXX EST that the accounts needed to be removed and not disputed. I was placed on hold twice and told that the supervisor would " say the same thing '' I then advised yet again that based on the FCRA my consumer report must be fair and equitable to me and that my written consent is needed to furnish my credit report. The information on my credit report has not been fair or equitable to me and is causing me great distress and anguish. At XXXX the supervisor hung up on me as I began to mention additional violations.
Product: Checking or savings account

On XX/XX/XXXX at XXXX am I got message from wells fargo bank somewhere my card was used amount was {$3200.00}. But that card was with me in my pocket how it's possible my debit card was used somewhere if card is in my pocket with me .I called to bank I told that was not made by me they took complain after XXXX XXXX  they gave me my money back to my account and after XXXX XXXX  they took my money from account credit reverse .I called to bank why you did reverse credit. They told me my physical card was used at that time when transaction was done but how it's possible i am at my home and my card was in my pocket and somebody did that transaction with physical card it's not possible. I try to convince them but they didn't listen me they told me they can't help I told them to open my case again they told me they can't but how can they took my {$3200.00}. Bank will not responsible for my money what kind of security is this? They gave me merchant address and told me to contact them i called to merchant I told him somebody did transaction of {$3200.00} on XX/XX/XXXX at XXXX am he told me nobody did that transaction contact your bank. I went to that place there is no office of merchant XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX at this address and transaction was done under the name of XXXX XXXX XXXX when I check this address in XXXX it come different name XXXX XXXX XXXX  XXXX XXXX is no any office under this name on that address when I called merchant number this number was registered at XXXX XXXX XXXX  XXXX XXXX which is XXXX XXXX  far from merchant address .what is the way to get my money back .it looks like to get merchant was scam or fraud .help me to get my money back how can I trust wells fargo bank from now why bank is not responsible for my money .I called bank more than XXXX XXXX XXXX XXXXimes they told me that they can't open case they already close it .is this valid answer to find my money.
Product: Checking or savings account

I did a purchase at XXXX on XX/XX/year> and it was XXXX. XXXX had the charge pending with Chime, I cancelled the order because they didn't have everything I needed so the charge was pending for 3 days I watched my account. Then on XX/XX/year> the charge dropped off but didn't go back into my account and Chime said it did but it's not in there. It don't show on my account at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy was disputed early XXXX of 2021 with XXXX XXXX. 
Disputed Bankruptcy with XXXX XXXX as the wrong and old information is being reported to credit bureaus. In early XXXX received information from XXXX XXXX that an investigation had been completed and the information researched was invalid and would not be reported any longer. 
Completed dispute with all 3 credit bureaus, in which they never changed the bankruptcy from being removed although the reporting agency has stopped reporting. 

I am writing this complaint as I am being intentionally targeted by the credit bureaus continuing to report false and inaccurate information. 

I respectfully send you this complaint coming with faith that it will be heard, rectified and resolved.
Product: Credit card or prepaid card

I am writing to dispute a charge of {$8000.00} to credit card account ending in XXXX on XX/XX/2023. 
The charge is in error because I didnt authorize the transaction, nor did I apply for this card. I have a Barclay carnival card that I have had for years and I have not used it, so there is no need for a new Barclay card. As I explained to the representative that I spoke with on the XXXX of XXXX while in XXXX my purse was stolen, and my personal information was in my purse. I have not purchased any items nor have I benefitted from this transaction
Product: Debt or credit management

I have requested on multiple occasions to get validation of this account from XXXX  XXXX and requested that the third party they hired to send out information to me in reference to this account.they have ignored me and have been rude and threatened to sue me and which is a violation to my rights. As a consumer I should not be treated with such rudeness. If I am requesting information on account I should be able to get it.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXXXXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX : XXXX Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

To whom it may concern, I am writing regarding my fraud dispute with Citi for transaction : " XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 for the amount of {$360.00}. 

Today while browsing my online account, I incidentally found out my fraud dispute is resolved and that I am responsible. I was not made aware of this by Citi. No reason was given why. I tried to call Citi but was directed to an automated message system. 

I made the dispute after checking my online account after returning from vacation in XXXX. I noticed this unknown charge of {$360.00} was made at the exact same time as a known charge of {$27.00} paid to XXXX XXXX XXXX XXXX XXXX, down to the exact minute. At that time, I had stopped at a gas station for gas. While in the car, I handed over my credit card to the gas attendant, who pumped the gas, to pay for the gas which costed {$27.00}, while I waited in the car. It took about 10 minutes for the flight attendant to come back with my card, and he said theres something wrong with the credit card reader, which is why he said it took so long. However, when I came back to the US, I noticed this unknown charge of {$360.00} was placed on my card at the exact time when the {$27.00} gas charge was placed on my card. 

I am not sure why my fraud dispute was unsuccessful and I hope Citi investigates this dispute further. Id happy to provide any additional information if needed. 

Thank you!
Product: Credit card or prepaid card

I have disputed discover card for years. Fraudulent charges were applied to this account when card was stolen over 5 years ago. I always paid my account on time until I became aware of the fraudulent charges. I'm very dissapointed that Discover continues to report this negative charge off simply because I refuse to continue paying on a a card with charges I don't owe. I disputed with the credit bureaus and sent my FTC identity theft report ' The account status should be closed due to card being stolen or lost and the charges after the theft should be removed from my liability. I'm disputing this account as fraud and while it is being disputed internally this account should be temporarily blocked from my file until Discover makes the necessary adjustments/corrections.
Product: Debt collection

Innnovs I request amount that debt was sold to XXXX XXXX XXXX amount they state is wrong they pay pennies on a dollar to buy account I request the original purchase amount of debt
Product: Credit reporting or other personal consumer reports

Showing delinquent when I have never been late. The billing history does not show anytime i have ever been late on my student loans. Showing a different account number across all three bureaus. Showing the same account number for two different accounts as one on my credit report and the same account should not be reported twice on my report. Last activity date needs to be corrected and updated. A lot of months throughout the years have nothing to report under it and all of this is coming directly from my credit report via XXXX Multiple inaccuracies and violations are being reported on my report and I am willing and able to receive {$1000.00} per violation on these inaccuracies on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Bankruptcy in XX/XX/2019 but changed my mind and the case was dismissed. Affirm still lists the status on my account as " Debt discharged in bankruptcy '' - I filed a dispute with XX/XX/XXXXand Affirm stated the status was correct. I spent almost an hour trying to pay off the remaining amount with Affirm and at the end of the call they stated that I was in Bankruptcy and would not accept a payment. This is getting ridiculous.
Product: Credit card or prepaid card

I need your help in order to get in touch with my bank and try to solve my problem. I would like my Wells Fargo Business Card to please investigate all charges made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$1000.00} on XXXX/XXXX/XXXX and also on XXXX/XXXX/XXXX {$5000.00}. I already tried to dispute with my credit card company but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. Thank you
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 U.S.C 1681 section 602 A. States I har 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 instructions.
Product: Credit reporting or other personal consumer reports

Atter discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian, Equifax and Transunion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and l am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. ACCOUNTS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year>, a legitimate check from the State of Washington was deposited into my Wells Fargo account. The funds fully cleared and were available in the account for several weeks with no issues. 

As of XX/XX/year> the scheduled closure date of the account Wells Fargo removed the entire {$22000.00} balance under a transaction labeled Loss Prevention Closing Entry without providing any notice, investigation report, or explanation. 

I was expecting a final check to be mailed to me after the account closed, but instead, the funds were held or removed with no communication. This money has been sitting in the account untouched since it cleared, and there has been no fraudulent activity or dispute on my part. 

I believe this is an unlawful hold or seizure of funds. I am requesting immediate release of the {$22000.00} balance, or a full explanation with documentation of any action being taken against the account.
Product: Credit reporting or other personal consumer reports

In the accordance with the fair reporting act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 List of accounts here : Child Support This company have violated my rights. 15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more then 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.