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

Opened TIAA checking in mid 2021. Made opening deposit on XX/XX/2021. Resolved an error in the application and corrected Social Security Number. Account was approved. 
Set up online access. 

Several days later, TIAA blocked online access. An email was received XX/XX/2021, from XXXX XXXX, " Senior Fraud Analyst, '' who asked me to call. I called and spoke to a different fraud analyst. He stated he could not see the problem and that XXXX would call me back. I never received a call from TIAA clarifying any problem. Rather, it simply blocked my account. 

1. I can not access my transactions and statements in violation of the Truth in Savings Act that requires periodic statements for bank accounts. 

2. TIAA obviously accessed databases in their decision to take an adverse action against me, violating the Fair Credit Reporting Act as they neither notified me of the adverse actions, reasons the actions were taken, or the identity of the consumer reports they obtained and how it is possible for me to obtain a report. 

3. TIAA improperly will not allow me to access my account or the funds I deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with COMMONWEALTH FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX ),  XXXX, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, COMMONWEALTH FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXXXXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX  XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Product: Prepaid card

A purchase was made for a delivery and the item was never received and it appears canceled and to make matters worse, both companies shared my money and that is called theft. There is no more valid excuse than providing a delivery service and then having to pay a surprise payment, you have to pass to pick up the order, And that's not what the XXXX XXXX is about, It's delivery and that was my expectation of the order. Then the representative did not help me at the time and canceled my order and did not return my money. That's {$86.00} dollars that the company stole from me. Neither my debit card provider helped me, nor did the XXXX company, which had never had this type of problem with them in more than XXXX years with the account. I want to claim my money and my claim should not be ignored because it is an abuse to steal someone's money like that out of nowhere.
Product: Debt collection

My signature was forged on a lease release agreement form. This form was sent to me by the XXXX XXXX group on XX/XX/XXXX to extend the lease beyond my intended moving out date. I was asked to sign this form many times but I declined. After I moved out, the XXXX XXXX group claimed I owed rent for an additional month. I disagreed, as I had never signed this form. They nevertheless assigned a debt collections agency ( I.C. System Inc based in XXXX XXXX MN XXXX ) to collect the supposed debt. When I requested the debt collections agency to verify the debt. they sent me the lease release agreement form. To my shock, they have forged my signature on the form with a date of XX/XX/XXXX next to my name. I can prove in multiple ways that this is not valid. For one, the signature looks nothing like mine. For another, I have email records from XX/XX/XXXX ( after the date that they falsified my signature ) from the XXXX XXXX group requesting me to sign the form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX card that is wrongfully reporting as a charge off on my credit report and have been disputing this claim for years now because the information is not correct. The card that XXXX issued me had a limit of a thousand dollars and on my credit report they are reporting that it was XXXX dollars. I had used the card to buy an appliance that was over XXXX dollars, which I took back because of a malfunction. The which I took it back to on XXXX XXXX XXXX XXXX told me that my card would show a XXXX balance on the next statement and I took their word for it, believing that they would have made the correction and they didnt so the balance that was to have been taken off went in to collection or charged off. I have been disputing this for sometime now and the credit bureaus keep saying that it was verified. The questions I have is how could incorrect information be called verified when it is not true. I spoke with someone at the dispute center that handles issues for collection for XXXX and they told me that the credit limit on the card was {$1000.00} but my credit reporting bureaus is saying that {$700.00} is verified when clearly this is not correct. So if my account was to have shown XXXX, then why is it showing as derogatory on my credit report? Clearly the credit reporting agencies is not doing their work and continues to report false information in defiance of the fair credit reporting act.
Product: Checking or savings account

Capital one XXXX account, have not received my direct deposit from my employer. Capital one sent an email XX/XX/XXXX stating this issue would be resolved by the morning of XX/XX/XXXX. At the time of me, filling out the report. I have still not received my funds in Capital One has not addressed what the situation or who to contact if my funds are not received. I called Capital One and tried to get in contact with someone. I was transferred to deposit department and nobody answered the phone.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 


TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX the XXXX XXXX  direct Express let multiple transactions come off my card to a company in XXXX  XXXX, XXXX XXXX and XXXX XXXXXXXX. The XXXX was XXXX, XXXX XXXX was XXXX, and XXXX XXXX was XXXX I tried contacting direct Express multiple times finally got in touch with them and got merchants info and contacted merchants confirmed that those weren't my accounts i sent conversations to investigations dept and i was told i couldnt do anything about it so how these transactions were even able to be processed i dont know cause my physical card was in my possession the entire time and im not the only person they do these kinds of things to so in the month of XXXX i was robbed by direct express and i was almost put out of my apt and i had to do without toilet paper food couldnt pay my lights and water and direct express kept telling me it's not their fault and i couldnt do a thing about it
Product: Credit card

FRAUD & DISCRIMINATION. DECEPTIVE BUSINESS PRACTICES. 
THE BANKS CORPORATE GREED is beyond belief. FEDERAL DISTRICT COURT to Hold the BANK 's Trustee & CFO and entire C-SUITE responsible. 
XXXX Meaning of fraud or dishonesty. The term fraud or dishonesty shall be deemed to encompass all those risks of loss that might arise through dishonest or fraudulent acts in handling of funds as delineated in XXXX XXXX XXXX next steps Legal Recourse. Equity Remedy.

1099 C- IRS FORM CANCELLATION OF DEBT and REMITTANCE of ALL PAYMENTS INTEREST AND monies earned sent to XXXX XXXX XXXX XXXXXXXX XXXX XXXX CHECK made payable to XXXX XXXX - DISCLOSURE of Monies made and earned with CREDIT DEPOSIT. DOUBLE BOOK ENTRY with the BANK.

1099-A Filed Acquisition Abandonment of monies. Claimed without my knowing will be deemed fraud. Legal Action will be Taken. Notification sent in writing and to CPA. 

FRAUD is a violation of FEDERAL LAW. THE TITLE was not transferred at closing. The security note, and interest is being traded and the bank is profiting from the note and interest. The bank is leaving me no choice then to take legal recourse via Federal District Court. It is unacceptable practices. ALL SECURITIES LAW violations going to pursue criminal charges and want all monies paid. XXXX XXXX refuses to cooperate. Has already been paid and is collecting twice. The corporate greed is excessive. Statutes and Regulations SEC.gov https : //www.sec.gov rules-regulations statutes-regula... 
XX/XX/XXXX Statutes and Regulations Securities Act of 1933 Securities Exchange Act of 1934 Trust Indenture Act of 1939 Investment Company Act of 1940. 
Violations of UCC Laws : The Uniform Commercial Code ( UCC ) is a collection of laws that govern commercial transactions in the United States. It's a state law that's been adopted by every state and the District of Columbia, but it's not a federal law. The UCC 's purpose is to provide a consistent framework for doing business across state lines. 
18 U.S. Code Chapter 47 - FRAUD AND FALSE STATEMENTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX... Title 18 PART I 18 U.S. Code Chapter 47 - FRAUD AND FALSE STATEMENTS 1001. Statements or entries generally 1002. Possession of false papers to defraud United States...
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that resulted from a false credit reporting but I still have ITEMS left that needed to be removed. Despite submitting FTC report # XXXX, these items remain unresolved. Since it is a requirement by law 605b of the FCRA If you choose to not remove the following items listed below which are reporting inaccurately due to incorrect credit data, I will be handing my documents over to my attorney to start a legal action. Its not my intention to pursue any legal action so please adhere to the law Attached here was my new FTC report # XXXX. Please remove the following items as they are erroneous credit report details & were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$28000.00} - XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$150.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX : XXXX XXXX  Date Opened XXXX XX/XX/XXXX XXXX Balance Owed : {$28000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$150.00} XXXX  XXXX Balance Owed : {$14000.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- TRANSUNION XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  Date Opened XXXX XX/XX/XXXX XXXX Balance XXXX : {$28000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$150.00} XXXX  XXXX Balance Owed : {$13000.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. If you claim these items are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.
Product: Debt collection

They are not investing my dispute. They claim I owe money to an apartment that actually owes me a refund. I have the invoice from the apartment and they are still not investigating. I spoke to someone at NCS on XX/XX/2018 and again on XX/XX/2018. I have sent them multiple emails with documentation and they have still not completed a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this letter to the credit company experian regarding inaccuracies on my credit report due to ally financial. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Ca. XXXX XXXX XXXX XXXX, XXXX AZ XXXX RE : To Remove Inaccurate Information from my credit report To : Consumer Complaint Department I recently pulled a copy of my credit report dated XXXX XXXX and I noticed an account that no longer belongs on my report. This account is part of a Class action Settlement Lawsuit that I am a part of, and I need this account REMOVED immediately. This account has stopped me from getting approved for a mortgage and other credit extensions. I am listing this account below in case you need to verify it prior to REMOVING it. 

XXXX. XXXX XXXX XXXX. XXXX XXXXThis account is to be deleted by grantor because of a class action lawsuit XXXX XXXX violated the UCC code XXXX 

4.REMOVE FROM MY REPORT As per the FCRA, you are required to do a reasonable investigation within 30 days of receipt of this letter. I hope that your company will take this serious so that I don't have to make further complaints. 

Thank you, XXXX XXXX Instead of removing the account because of the class action settlement and violations the company has done with the UCC code Experian instead marked the account as paid in settlement which is incorrect as I never paid any settlement. The account should be deleted as they were sued and settled for XXXX XXXX. The people who were affected by it are supposed to have it removed from their reports and be compensated. I need this fixed and removed as I was a victim of their violations.
Product: Vehicle loan or lease

I refinance my original auto loan with Capital One in XXXX of XXXX. I have sent them all of the paperwork that they have requested on multiple occasions. On XX/XX/XXXX at XXXX Pacific time Capital One called me. I answered the phone, the woman on the phone told me she was with Capital one and needed me to verify the account. I said it is only XXXX, she insisted that I verify who I was and that this was in regards to my auto loan. I told her she was calling hours before they were suppose to be calling in my state. They were calling from a local Nevada number XXXX it cam up on the caller ID as Capital One. She told me that I needed to verify my information to speak with me. I again told her is was to early and she was violating credit collection guidelines. She then hung up on me. She had a foreign accent and did not state her name. They have not called me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received your response regarding an ongoing dispute of a reported bankruptcy on my consumer report. In your letter you stated that you contacted the furnisher XXXX XXXX XXXX XXXXXXXX XXXX However, this was found to be false as I have provided you a letter from the bankruptcy court which stated that they Do not provide filings with credit bureaus. 

I have requested a Method of Verification in accordance FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency. Experian failed to comply. 

I have not given Experian or any of its affiliates permission to use my Personal Information to obtain any court filings. Experian has violated 15 USC 1681 ( B ) ( 2 ) and 18 USC 1028 ( a ). For this reason, I am demanding the removal of this record from my consumer report.
Product: Debt collection

was contacted via mailing on XX/XX/XXXX by a collection / lawyer group. The agency '' XXXX XXXX XXXX XXXX XXXX XXXX '' were seeking payment from me for {$1500.00} for a fraudulent debt dating back to XXXX. This debt was resolved at that time by XXXX fraud services and after investigation removed the debt and others from my credit reports and supposedly from XXXX XXXX   ( XXXX XXXX ) accounts. I immediately enlisted the help from XXXX XXXX  fraud resolution services through my legal assistance program. Efforts to obtain fraud resolution papers from this collection agency resulted in two mailings of packets of useless statements and bills. This debt was obviously sold down the line without the resolution being noted, only to harass me once again. I need this laid to rest and not be sold off again to another " collector ''. fthank you.
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNT WITH XXXX XXXX BANK ACCOUNT # XXXX, APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit card or prepaid card

Someone tried to obtain a Walmart credit card through Capital One Bank Capital flagged it and followed up with me via mail..applicant had my SSN and DOB
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XX/XX/XXXX to  XX/XX/XXXX , XX/XX/XXXX  to XX/XX/XXXX ,  XX/XX/XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a fraudulent account under the name XXXX XXXX XXXX ( Account # XXXX ) on my Experian credit report. As of XX/XX/year>, this account falsely shows a balance of {$11000.00}. This account was fraudulently opened without my knowledge or consent and was subsequently sold without my authorization. I demand its immediate removal from my credit report and request a thorough investigation into this matter, as well as appropriate compensation for the damages caused. 

Issue Identified The XXXX XXXX XXXX account reported on my Experian credit report, with a fraudulent balance of {$11000.00} as of XX/XX/year>, is not mine. It was fraudulently created and does not represent any legitimate debt or obligation that I have incurred. Furthermore, this account and my private information were sold without my consent, constituting a violation of my privacy rights and consumer protections. 

Violations and Impact The inclusion of this fraudulent account on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). The presence of this account has caused undue harm to my credit profile, including a negative impact on my XXXX XXXX and potential financial opportunities. 

XXXX Laws and Regulations 1. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : This provision allows consumers to request the blocking of information resulting from identity theft. I am exercising my right under this law to request the immediate removal of the fraudulent account from my credit report. 
XXXX. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including fraudulent accounts. 
XXXX. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The inclusion of this fraudulent account violates this requirement. 
XXXX. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate or resulting from identity theft. 
XXXX. Right to Privacy : The unauthorized sale of my personal information, without my consent, is a breach of my privacy rights.
Product: Payday loan, title loan, personal loan, or advance loan

I have now been charged twice in the amount of {$22.00} totaling {$44.00} and installment total is {$88.00}. I have not received the merchandise I paid for, and XXXX/Affirm is still billing me. Their website does not function correctly, it is full of re-directs and does not take the consumer to the correct place to dispute a transaction.