23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

I am writing to follow up the removal of fraudulent items from my credit file. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter. 

I have submitted disputes, provided comprehensive documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the fraudulent items persist on my credit file, negatively impacting my creditworthiness and financial standing. 

This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been reporting these accounts XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX USA N A ) XXXX and XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX USA N A ) XXXX for a long time. A Charge Off Account with Balance? The bureaus keep on reporting inaccurate information on my credit file? I even asked for verification and I never received any correspondence from them ( XXXX, Experian, and XXXX ) This account is reporting incorrectly. I see Different dates on last active which is inaccurate. Attached are my dispute letters and the recent screenshot of my credit report XX/XX/2022
Product: Prepaid card

I was gifted two American Express XXXX XXXX XXXX XXXX, each worth {$300.00}. The cards are still listed as active with their full balances. I have been unable to use these cards in any manner. I only have the e-gift card, not a physical card. Anywhere I attempt to use the card asks for a zip code, which the gift card does not have. 

I am finding that the value of these cards is stuck and seemingly unable to be used. I called American Express, they told me to just keep trying to use the cards at different merchants. I called one of the merchants and they said that the cards get declined because of bank related reasons and that I should call the bank ( American Express )
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX we traded this car in from XXXX XXXX XXXX finance when they took the vehicle and was supposed to pay off the balance, they never sent the check to the new companies then reported me 30 days pass due in XXXX of 2023 which is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, AES/XXXX  ( XXXX AES '' ) reported to consumer credit agencies that the subject student loan account was " Closed '' and that it was " flagged ... as not paying off [ the ] balance and [ I ] can not be located. '' This resulted in a XXXX point credit score reduction. Upon further review of the credit report, AES reports that the account is greater than 30 days delinquent in that no payments were received in XXXX or XX/XX/2022. XXXX XXXX documents that AES did, in fact, collect automatic payments for XXXX and XX/XX/2022. Today via telephone AES confirmed that ( i ) the contact information associated with the account is in fact correct, ( ii ) that the account is open and not closed, and, ( iii ) that the account is current and paid as agreed. AES will not, however, correct the erroneous reporting without a formal consumer dispute.
Product: Debt collection

I am being sued by a company called CollectionCenter out of Wyoming. When I try to call them to discuss and see what can be done, as we already paid the bill through insurance, they never answer the phone. 

I leave messages day after day. The voice recording asking to leave a message states someone will call back within 24 hours, but this never happens. 

This is unethical and is not right as I am trying to make an effort to communicate but no one wants to call back. If you cant call me back, how am I supposed to figure all this out and get it handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

I have a loan with SANTANDER CONSUMER USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and SANTANDER CONSUMER USA with no successful resolution. XXXX and XXXX are only reporting me late. There was definitely an error on their part. I was never 60 days late
Product: Debt collection

I had a credit card with Wayfair and they expect me to pay for the charges I didnt make. However when I did 1st received the card I charged somethings but not {$1900.00} worth.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has hit my credit report trying to get an amount that was paid by myself through wage garnishment. This company has threatened me to take me to court and again garnish my wages. This daily harassment has caused an increase in my anxiety at which I am now taking medications to help me to manage the symptoms of anxiety. This has also hurt my credit by 21 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Debt collection

I checked my credit found this collection account on my credit report Southwest Credit System I was unaware I dont recall get any information on this account or any notice to dispute it I did dispute it with Credit they were removed for 4 days and they put it back on. Under FDCPA Law I had to recive action notice and write to dispute the account. I did not. I want this account removed from my credit and throw it away
Product: Checking or savings account

On XX/XX/XXXX I wrote a check ( check number XXXX ) for XXXX payable to XXXX XXXX XXXX for which my Chase account had sufficient funds. Six days later, I received a notification via my online banking account that the check had been returned, without any reason given. 

In speaking with Chase customer service and fraud departments, I was given the impression that my check was help for fraud reasons and that I needed to contact them to verify. However, I received no notification of this need ( no email, text, or mobile banking alert ). 

The check ultimately went through, though as is customary I was charged {$25.00} for it initially being returned. Despite my account having the funds necessary and no effort being made to contact me to verify the legitimacy of the check, Chase is refusing to reimburse the return fee charged by the other business. 

I have spent roughly 6 hours speaking with Chase trying to resolve the issue and determine how I was supposed to know of the need to verify the check, but have been given no answers. I'm simply told " there was an alert on your account on XX/XX/XXXX, '' even though the only communication was on XX/XX/XXXX via the message saying it was returned. 

This process - denying a check for which there were sufficient funds, not attempting to contact me prior, and then not reimbursing me for the return charge associated with the check- seems highly unethical.
Product: Student loan

Great Lakes put my account into a repayment status despite the fact that I have a pending borrower defense claim ( XX/XX/2016 ) and in violation of FSA policies. When I contacted Great Lakes about this they gave me false and misleading information telling me that I had to enter a repayment plan of some kind. And that was my only choice and my best interest. This is not the case. Because I have a pending borrower defense application I should not have been made to make payments on a fraudulent student loan that is under dispute. I paid for months under the plan they forced me into when my account was supposed to be on hold and protected through Defense to Repayment case. The last call was with XXXX at Great Lakes employee ID XXXX.
Product: Student loan

Lincoln Tech told me I did n't have to start paying my Federal student loans from 6 months from the date of XXXX XXXX when I graduated and Im already being charged to pay my student loans than they told me. Can you please have the courtesy of resolving this issue by calling me and fulfilling your promise of not charging me my student loan until 6 months from graduation?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has removed two falsely reported late payments that are still showing up on my XXXX and XXXX reports, despite many attempts to correct the issue. Please see attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXXXXXX, MN XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ; XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$990.00} ; XXXX XXXX  XXXX Balance Owed : {$3000.00} ; ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX.
Product: Credit card or prepaid card

I paid a contractor in XX/XX/XXXX for a deposit for remodeling. 
In XX/XX/XXXX the contractor sent me an email saying he wasn't going to complete the work and was filling bankruptcy. 
I contacted Citibank immediately and opened a dispute on the charge of approximately {$22000.00}. 
Over the next several months Citibank requested many items of information which I either faxed or emailed to them. 
In XX/XX/XXXX they stated they weren't going to be able to resolve my dispute because they didn't have my claim within 60 days of the last days I received services. This is not true. Being a remodel the contactor was working all the way to XX/XX/XXXX when I filed my claim. 
After not being able to get any assistance from Citibank by phone I opened a complaint with XXXX and I was contacted by XXXX XXXX at Citibank. XXXX worked on my dispute and the claim was supposed to go back to the merchants credit card company in XX/XX/XXXX/XX/XX/XXXX. 
I contacted XXXX XXXX in XX/XX/XXXX when I still hadn't heard anything. He then stated that MasterCard refused to send back my dispute for the original same reason of last days services were'nt received in time ( which is not true ). 
I opened up a complaint directly to MasterCard who instead of speaking with me sent my dispute back to Citibank who then called me once again with the same reason on why they can't help me. I have lost {$22000.00} despite giving Citibank and MasterCard all information requested within time frames requested and am not getting a resolution that I should have coming to me. 
The only fair resolution is I should receive a full refund for services not received. 
Citibank and MasterCard have all documentation sent to them by me and have been unwilling to resolve so I need you to step in and help on this.
Product: Credit card or prepaid card

I opened a Altitude Reserve credit  card with US Bank early this year. On XX/XX/XXXX, i wanted to buy a XXXX watch and tried to use this US Bank Altitude Research card to pay. However, it was declined. I called US Bank customer services and XXXX told me they would put a note and asked me to try in a few minutes. I tried the second time and its declined still, so i used XXXX card to pay. 

On XX/XX/XXXX, I was told this card was closed by US Bank, and i can not make further purchases on groceries. I spoke with US Bank and a lady told me they closed my account because i bought a luxury good and according the user agreement this card can not buy luxury good. Immediately after the call, this card is closed. 

In the next week, i called US bank multiple times to reinstate this card but they all said they can not disclose more information. 

My question is - 1 ) during the transaction, no XXXX told me that I can not buy XXXX watch with this card. they just said they would put a note and let me try again in a bit -2 ) i reviewed user agreement and didn't find any words saying can not buy luxury good - 3 ) even if it specifies on user agreement, banks should warn me for the first time and close account after second time - 4 ) US Bank charge me an annual fee {$400.00}, and they didn't refund after closing the account.
Product: Debt collection

We were sold a timeshare by XXXX XXXX XXXX in XXXX in XX/XX/XXXX. We paid a 10 % deposit and made 6 months ' worth of payments. We tried to make reservations but there was never any availability. We tried to contact the sales department via email and phone, but they never responded. Because of their lack of response and no availability we discontinued our payments. Our account was canceled and closed by XXXX XXXX on XX/XX/XXXX. Two months later XXXX XXXX XXXX began calling us and trying to collect {$14000.00} on behalf of XXXX XXXX. The caller was very aggressive and threatening in her language. We had never stayed at the property since our initial visit in XX/XX/XXXX. We were not able to reserve any dates at the property. This timeshare company is a scam. We should not have to pay for something we never used and could not use. XXXX XXXX XXXX should not be calling us to collect for a canceled and closed account that was never used.
Product: Credit card

Discover Bank lowered my credit limit from {$8500.00} to {$6000.00} while the balance was {$6800.00} and they only informed with regular mail, which they sent to my previous address. All other communications are paperless, payments, alerts, except the information that directly affects my credit rating. I found out about it when my card stopped working. I asked them to reverse the over credit limit status since I had not spent over my credit and they refused. I have never missed a payment and I request that Discover Bank be found in violation of reporting requirements, so that I can attempt to be restored.
Product: Checking or savings account

I have an Interest Checking account from Citibank since XXXX. 
I also have a CD account with Citibank. 
The only transactions I have is a deposit when i opened the account and interest paid by Citi themselves. 
However I received an email on XXXX XX/XX/XXXX that my account is closed due to suspicious activities and my account and savings are now blocked from me accessing. 

I went to the branch and made many calls and the branch manager confirmed there were no other transaction over the month of XXXX. 
No one at Citi was ablet o explain any details but keeps saying i should receive a letter ( which I have not ) My savings of $ XXXX that are from my single salary is now being denied access. 
I am also unable to keep track if my money is being stolen or mis-used/ hacked due to Citi block me access to my own account.
Product: Debt collection

I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in  question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days.
Product: Checking or savings account

I made a deposit in my account of XXXX at atm I've been with wells Fargo for at least 7 years the money went into an account that was on hold and supposedly investigation was being done since XXXX on my sons account however the money didn't go into my account It went into my sons where the fraud was my son opened an account under me as a XXXX because he was once receiving XXXX XXXX  from his father however that recently stopped my son is not an adult he did just recently turn XXXX however he made a deposit into his account of a check he was given for payment on beats he made for a client he did not know this was a bad check so he filed a fraud dispute and a police report no one reached out no one communicated fast forward yesterday we go into branch and we're told by rude fraud agent over the phone both accounts are being closed no communication was sent no one ever explained why and we as customers never have done anything wrong but being treated so unfairly so unjustly the branch representative didn't understand or agree she said this happened to other clients and wished she could do something but isn't able to I was making a deposit to avoid additional fees on my own personal account not the fraud account So I am seriously not understanding why this happened I want this fully researched someone should personally reach out and rectify this situation as I feel wronged by wells Fargo they are also tainting my child 's name in banking and mine when I've never had anything like this to occur i need answers XXXX XXXX is who assisted me in branch and the fraud agent who wouldn't have a manager assigned is XXXX XXXXXXXX XXXX XXXX is trying to overcharge me in fees and close our accounts for no reason I want an explanation I need to understand what rule I broke or my son because my money and accounts should be fdic insured and I feel unsafe for any of my family members friends or others to use this institution knowing how they handled this situation or more over mishandled I have proof of me attempting making deposit of my sons police report and all please advise I am a XXXX woman who really is put in a bind to find other banking however after being treated this way how could I continue business with them
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payments, and I've called and send couple of letters to capital one to ratify the situation and it still hasn't been resolved. I'm definitely not an expert when it comes to this, 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.