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

I want to make a purchase on XX/XX/2023 while I was on vacation and my card was declined. I called the bank and see why my car was declined. I was advised that my account was placed under review on XX/XX/XXXX. Ironically, I never received a email communication regarding this review so I called in to see why my transaction has been declined. Thats when I was advised that I was on the review I asked why, and no explanation could be given. I contacted the branch where I open my account as I was obligated to drive from one state to another to open this account as they needed forms of identification ID says that my account was open no problems. I was able to use my account until XX/XX/XXXX. This account was open to receive deposits from my employee not only that, but this bank has caused a hardship. My rent was due. My car was due, and Im unable to pay it because they are holding my funds for ransom. The person who I spoke at the branch advised me that we were able to get my funds and when I contacted the fraud department or whoever it is that take care of the reviews, they advised me that wasnt true. I was not able to access my phone. The the person who I spoke up the branch called him again because he said that that was not true. I should be able to access my phones. They gave the person at the branch that runs around as well, so then I was advise that I should hear something soon. I called today again the first representative. Tell me that my account is pending closure for fraud remind you my account has been in good standers never once was there fraud any signs of fraud I spoke to the reviews and theyre stating that thats incorrect that my account is under review I asked them again why is it on the review they refuse to I advised them you guys failed to notify me if it wasnt for the personnel at the branch calling you guys you guys will not send me the email on XX/XX/XXXX regarding the review of my account why would they wait till XX/XX/XXXX after someone from the branch calls call them to then send me the email thats also breach of communication between the bank and the customer. I have other bank accounts and not once did I have this issue at this point I just want the bank to release my funds and I dont need to do business but I need my funds. I also want to add the email they sent me has nothing to do with Detail in about account on the review. I have provided the email that they sent to me which is not related to under review which they also send the wrong email to me which definitely shows clearly a breach of contract with communication.
Product: Credit reporting or other personal consumer reports

I just got my credit report and noticed some hard inquiries don't have permissible purpose according to 15 USC 1681b. I also attached a copy of my credit report. Can you please investigate these hard inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

XX/XX/year> XXXX XXXX I set up a password for a prepaid Visa debit card that I purchased at XXXX XXXX on XX/XX/XXXX on the XXXX website, XXXX The card had a value of {$500.00}. Within minutes of entering the card information and setting up the password, I discovered that {$500.00} had been fraudulently charged. At the same day XXXXXXXX XXXX I immediately called their customer service, provided them with my card number, and informed them about the fraudulent activity shortly after setting up the password. They informed me that they could only hold the {$500.00} and could not refuse the transaction. I requested them to decline the transaction and send me a new card, but they refused and insisted on holding the transaction. I find this very concerning as I am the cardholder, and my card was fraudulently charged very shortly after setting up the password. I also contacted their customer service within minutes of discovering the fraud. Why couldn't customer service refuse this transaction and refund me the {$500.00}? This company 's product is extremely insecure and offers no protection to cardholders. 
After my first call to their company, their customer service informed me that they could hold the fraudulent transaction. Then, I XXXX about incidents of card fraud involving this company and found that many people had been scammed. So, I made a second call, and the customer service representative who answered said : This fraudulent transaction has already been completed, which is completely fraudulent! Even when using a gift card on any website, payments usually take at least two days to process. How could it be completed in less than two hours? Moreover, I immediately called customer service within minutes of discovering the fraud to request the transaction be refused. 

I asked customer service why I wasn't provided with a tracking number so I could track the progress of the fraudulent activity. They said they didn't have one. After they hung up, I tried to log in to the company 's website again with my card number, but I couldn't log in anymore. 

I have the original purchase receipt and the shopping card as evidence. Initially, I am only sending a picture of the shopping card. If further images of the card number on the shopping card and the receipt are required, I can provide them immediately. I hope XXXX can resolve this fraudulent incident as soon as possible. Thank you. 

I requested the company to promptly mail me a {$500.00} check, as I am deeply disappointed with the security of their card. I can provide all original shopping receipts.
Product: Credit reporting or other personal consumer reports

They Told Me They Was Going To Fix My Credit After Paying Over Thousands Of Dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been notified on several occasions in regards to credit report removal ; however, it 's been removed from  Equifax  but still reporting as an closed account on Equifax, and still opened on  XXXX  and also on  XXXX . This company has violated several FDCPA laws and regulations that 's the reason it 's been disputed and had to be removed from my credit, but it 's still effecting my score and putting a strain on my life. I need this completely updated and removed from my credit ASAP! Otherwise I have no other choice than to pursue further w hich may result in a  lawsuit.
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$4500.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$5000.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$18000.00} Fraudulent Insurance Company or Organization : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$140.00} Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A complaint was filed on XXXX  under for not updating my credit report to show Ally is paid in full. Their response back the you ( CFPB ) that the account was updated. A complaint was filed on Ally with you ( CFPB ) for not posting my payoff check to my account to reflect a {$0.00} balance since XX/XX/2021 and also failure to report the closed account to all 3 credit bureaus. Ally finally updated the account to {$0.00} balance recently but did not report my account is paid in full to XXXX. The account is still open showing a balance of {$22000.00} and is being counted as part of the debt ratio, credit and/or from receiving a low interest rate. Although have a letter stating the account is closed, this is not acceptable with some banks when trying to obtain a credit. Per XXXX, the account has to show {$0.00} balance on the credit report. Ive asked numerous of times for this problem to be resolved with XXXX  and with Ally. XXXX will not allow me to file another dispute or call in to file a dispute regarding Ally. Ive provided the complaint # s that was filed with you ( CFPB ) to show their response back stating the issue is resolved ( which is incorrect ). 
Here are the complaint # s : # XXXX, # XXXX & # XXXX
Product: Credit reporting or other personal consumer reports

Hard inquiries. I have realized alot stuff on my credit report is not from me and another address is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was dropped to a very poor level when I paid off my XXXX XXXX account with no bad remarks on XX/XX/2018 and restarted the same account later but Equifax, and XXXX reported that it as a credit debt to pay off the account balance but still they committed fraud contradicting their own standards because the account was reopened in the same month with a new balance. They are revolving around businesses that I own that are committing this fraud daily. I own the XXXX XXXX, XXXX, XXXX XXXX  markets. I have been attacked by employees and discredited from my large income. Credit monitoring companies use my office business resources to hack a credit score monitoring system to steal my businesses in this up rising. XXXX are involved. I need my credit to get out of this ground zero where respectable home brand names businesses are thrived from me.
Product: Credit reporting or other personal consumer reports

I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX XXXX update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/1984 SS # : XXXX Also, the only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file I know that you want proof of my personal information that is listed above so I decided to include this information in the letter to make it easy for you to delete the inaccurate information I also noticed the following accounts reporting inaccurately, there are quite a few of them, which left me a bit shocked and confused! I've listed the ones I saw below but there may be more as I continue to review my report. Mistakes such as these can cost me thousands of dollars in interest a year!
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act. 
XXXX XXXX XXXX  XXXX, account # XXXX opened XX/XX/XXXX XXXX. 

XXXX XXXX XXXX Account # XXXX, date opened XXXX 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please immediately REMOVE the following INQUIRIES from my XXXX credit report as requested by XXXX on XX/XX/XXXX and Capital One on XX/XX/XXXX. Letters attached. Thank you. 

XX/XX/XXXX Capital One Bank USA XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit act XXXX account # XXXX XXXX XXXX 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 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my XXXXth dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

The recently received a copy of my credit reports from all three bureaus were XXXX collection company reports a debt on behalf of XXXX XXXX I requested a validation of debt from XXXX with no response then I filed a compliant with the CFPB were XXXX reposed by providing what they say is proof of debt the problem is 1 .... The consent to treat is dated XX/XX/XXXX ( which is typed ) and also signed and is a outpatient consent to treat ... ..since there was a hospital stay according to the bill there would be a consent to treat from the hospital stating inpatient consent the form provided is clearly a form from a regular doctor visit and even lists my primary care doctor 2. The responsible party name in the consent form is XXXX, XXXX XXXX 3.  The bill provided shows a Date of service as XX/XX/XXXX to XX/XX/XXXX ( Which doesnt match the consent to treat form dated nearly a year ahead of date of service ) 4. visit number is XXXX according to the bill however the consent form reference number XXXX 5.The collection number did not provide proof that they were hired to collect on behalf of XXXX XXXX 6. I Do NOT have a contract with the collection company namely XXXX Since XXXX wasnt contracted by XXXX XXXX and purchased the alleged debt the fact that they provided my hospital bill is a HIPSA violation It is crystal clear that these documents do not correspond with one another which means that the collections company has not met the guidelines for validation of this debt and must REMOVE all negative derogatory items reporting on my credit file in regards to this collection Item I have attached the consent to treat provided by XXXX I have attached the hospital bill provided from XXXX Previous response to CFPB compliant number and documentation attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that there are several accounts, that are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged accounts are listed as collection with a past due balance or XXXX balance. 

BRIDGECREST, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

This is a violation of the FCRA and is in violation of requisite XXXX XXXX compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report and required to remove any information that is not true, inaccurate, compliant, and verifiable. I demand that the above-mentioned derogatory items be investigated and permanently removed from my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX and its says late payment {$270.00} XXXXXXXX XXXXt late payment {$390.00} XXXX XXXX XXXX late payment {$210.00} XXXX XXXX XXXX late payment XXXX XXXX late payment {$410.00} XXXXXXXX XXXX XXXX  late payment {$740.00} XXXX XXXX late payment XXXXXXXX XXXX late payment {$1300.00} XXXX xxx sXXXX XXXX  collections {$510.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$1200.00} and the company is XXXXXXXX XXXX XXXXXXXX XXXX  late payment {$520.00} I'm not aware of all this so I want this remove off of my credit
Product: Credit card or prepaid card

My credit card was stolen and used for fraudulent transactions. American Express will not talk to me about it, or even disable the card from being used, until I verified my identity on XXXX After a very long wait ( in which the fraudsters continued to have access to my card ), I did complete the verification, but Amex still claims they cant find it and wont talk to me. This is insane and is unacceptable that they wont even allow me to protect my credit.
Product: Payday loan, title loan, or personal loan

Responded to an email from Upgrade Loans. Date XX/XX/2021. 
Was contacted first by XXXX XXXX, then by XXXX XXXX. Was advised that was approved for {$5000.00}. Advised needed {$2500.00}. Asked if {$3000.00} would be okay. Agreed to that amount. Said wanted to test the system after all information was given. Would send/ deposit {$1900.00} into my account on the condition that it be sent back. Agreed. When the funds arrived called XXXX XXXX XXXX XXXX XXXX for directions on sending funds back. Was advised to go to store XXXX XXXX, XXXX XXXX and get XXXX gift cards and advise when get them. At XXXX was able to get two cards totaling {$1000.00}. Took pictures of them and sent to Mr. XXXX. Was advised to try XXXX. Tried but the card rejected. Received a call from my bank asking if I had called them ( added that the person called had a heavy accent. Advised no, and a hold was put on my account, adding that I need to personally go to the bank in order for it to be released. 
About to go, but, I want to withdraw the remaining balance of {$950.00} and send back. Also, will advise that will not accept the loan. If good, then will know that the company is okay. If not, then I will know that there is a problem with this company.