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

XX/XX/24 Noticed a pending unauthorized charge on our joint Wells Fargo checking account ( for XXXX ) and called the bank. And told them this was a fraudulent purchase and asked for them to deactivate the card and deny the charge. They said it was too late to deny the charge. 

They asked if we had the debit card in our possession. ( My wifes card ) We told them yes. 

It was then determined that Wells Fargo, automatically sent a new debit card because the previous one was expiring soon. We did not receive this card. It was stolen from the mail and activated. 

We then received a letter saying that our claim was denied. Because the purchase was authorized, it was not an authorized purchase. We called the bank and started a new claim. Because the previous claim stated we had the card in our position with this new information, we knew the card was not in our possession. At that time I requested information on their investigation. Did they check security cameras to see that? It wasn't me or my wife. Did they listen to the voice to see who activated the card? I? Also requested what information was needed to activate this card period they did not give me any of the information requested. They said it was confidential to their investigation process. 

XX/XX/24 We received a letter that the fraud claim was a duplicate XXXX and that this claim had been closed. 

We also have since received our new debit card and activated it. The only personal information requested for activation was our zip code. I also placed a request with the Wells Fargo. Executive feedback team that debit cards should be required to have a pin number or other personal information to activate. My response from them was the amount of security needed to activate a card as adequate. We will not be making any changes. I also requested information asking how they used the debit card. Was it ran as credit? They would not give me that information. 

In summary, Wells Fargo mailed my debit card and banking information through the mail made it easily accessible and allowed someone to make fraudulent purchases and will not reimburse the fraud that occurred because of their mismanagement of my personal financial information. This should have been an open enclosed investigation. Based on our purchase history on our debit card, we do not use our debit card for daily purchases. We do that with the credit card. Our debit card is used exclusively for withdrawing cash getting cash back on purchases. Or when a store forces the use of a debit card. XXXX brick and morter purchases per month. 

We have since turned off The ability to make purchases on our debit card. So this doesn't happen again and Wells Fargo doesn't allow more people to spend our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I contacted the company and explained that the balance is still reporting incorrect on my credit report. My account was sold to a third party vendor, and in XXXX my husband agreed to pay around 1300, we paid {$650.00} and the company never corrected the balance on my credit report. Also when I called them they said that even though I paid they would not send me a receipt for the payment I made and also would not correct the balance on my credit report until I paid the remainder balance. I contacted the credit bureau and they claimed the error is correct.
Product: Credit card

My American Express XXXX XXXX XXXX XXXX! 

I want to share my experience with Amex. and XXXX XXXX. Here is why I would not recommend either of these companies : On XX/XX/2023 I signed up for the American Express XXXX XXXX card with a XXXX points SUB after spending $ XXXX in XXXX months and a no annual fee. 

On XX/XX/XXXX I reached the spending requirement. 

On XX/XX/XXXX I reached out to American Express and XXXX XXXX asking when I could expect to receive the points. The rep. at Amex told me that they had transferred the points to XXXX XXXX on XXXX XXXX and on XXXX XXXX they were transferred and accpeted by XXXX XXXX. 

On XXXX XXXX I again spoke in a three-way conversation with Amex. and XXXX XXXX confirming that the points had been transferred to XXXX XXXX. The XXXX XXXX rep submitted a Loyalty case and said the points should be posted to my XXXX account soon. 

XX/XX/XXXX I once again called XXXX about the Loyalty case and the rep. said they were still working on it. 

On XXXX XXXX I spoke with Amex. XXXX who said to check with XXXX on XXXX XXXX and the points should be posted soon. 

On XXXX XXXX I spoke with XXXX and was told that I should receive the points by the end of the day or the next. I was also told that they had received approval from their corporate office on XXXX XXXX for the XXXX points. 

On XXXX XXXX I spoke to someone named XXXX at XXXX corporate office and she said she was sending info to another dept and it was still in progress and she did not know why they had not been posted yet. 

On XXXX XXXX I spoke with someone from XXXX XXXX Assistance and they are requesting an update as the case is still in progress and that I would receive an email to that effect. 

As of today, XXXX XXXX, I still have not heard from anyone nor received the points. I believe there are better options out there for hotel points.
Product: Credit card or prepaid card

Someone tried to open a Bank of America Credit Card in my name using my correct Social Security Number. Bank of America called me to confirm that I had tried to open a new account and I told the bank NO. 

Bank of America gave me the email and phone number of the individual who was trying to Impersonate me and open a credit card under my name. 

The individual who tried to fraud Bank of America using my identity has the following email and phone number. Please try to apprehend this individual ( s ). 

XXXX phone : XXXX Thank You
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan to pay off my other payday loan but the interest rate is 795 %. This is way above the amount allowed by law.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I got an e-mail from Coinbase stating my withdrawal limit for my XXXX account was denied. As I tried to log into my XXXX account it showed my account had been temporarily disabled and that I should contact Coinbase. I called Coinbase and told them my XXXX is temporarily disabled and I can not access the XXXX worth of cryptocurrency I own on that site. They gave me a reference number and told me it may take up to 4-5 business days to fix the problem. 

On XX/XX/XXXX, I logged onto my Coinbase account and was prompted by a page stating I owe XXXX USD in order to gain access to buy/sell/send my cryptocurrency I had on my Coinbase. I never purchased anything with a credit card on my account for that much to begin with. However, I paid the amount and called Coinbase to remove the hold from my account. They then said they would escalate my previous ticket and add I paid the amount owed. Then on XX/XX/XXXX I logged onto my Coinbase account and noticed XXXX Bitcoin ( valued XXXX USD ) was sent to Coinbase without my knowledge. I called Coinbase to discuss the transaction and they told me I owed an additional XXXX USD and they only take cryptocurrency as payments after the fact I already paid them XXXX dollars on XX/XX/XXXX. They told me they do not return cryptocurrency once its taken from the account. So Coinbase ended up taking a total of XXXX USD from me for no reason. I have only spent XXXX USD on Coinbase using my own bank account. There are no reversal charges made on my bank account. I currently can not access my XXXX worth of cryptocurrency on XXXX because of all these claims stating I owe Coinbase money which I never purchased on Coinbase. Everytime I call Coinbase they state they will grant me access back to my XXXX account and full access to my Coinbase account within 2 business days but nothing ever gets done and they keep charging more money than I have ever spent on Coinbase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing to Trans Union, XXXX  and XXXX  for over 6 months my correct personal information. I have not received any updates to reflect the correct information as of yet. 

Please update all of my personal information on XXXX, Transunion, and XXXX. 

My only name is XXXX XXXX XXXX My only address is XXXX Stone XXXX XXXX, XXXX, Tx XXXX My only employer is Self Employed. 


There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

car dealer stole & mis used my ssn for personal and fraudulent reasons. these are what they applied for thats showing on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan

I applied for a loan with Big Picture Loans for an amount of {$400.00} and was approved. In the Loan details it was stated there would be a {$140.00} Finance Charge and I agreed making the total amount {$540.00}. 
I was NOT informed of the whopping 974.0608 % Interest Rate that I would be charged and the Finance charge of {$1800.00} making the total amount to be paid $ {$2200.00}, There is absolutely no way I would have agree to this Loan if I had been told the truth upfront but I was not able to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. This is illegal and I will be taking it further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance {$9900.00} ; XXXXXXXX XXXX  XXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The Experian credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date opened XX/XX/2021 XXXX : {$1000.00}
Product: Debt collection

I was emailed by XXXX  yesterday about a change in credit score due to an outstanding debt that I have on my record. I found it odd, since I have never missed a payment on any of the debts that I owe. I checked and see that I have an outstanding debt balance of {$3800.00} originating from a company called ( I C SYSTEM INC ) that I do not recognize. 
I requested XXXX  to dispute this and see it was originated from XXXX XXXX XXXX. I have never used XXXX XXXX XXXX as a carrier before and have never received any type of documentation regarding this matter. 
It states this was opened in XXXX of this year, but XXXX XXXX was in a state of lockdown during that time, so I have no idea where or how this could have happened. As a result of this my credit score dropped from XXXX to XXXX ... 
This is a charge that I am completely unaware of and it is affecting me financially, especially during these hard times.
Product: Debt collection

003 - 010 on the XXXX XXXX Credit Report provided by XXXX XXXX - RMP LLC. 
Collection are old account and can not provide me with account numbers nor paperwork on that they are trying to collect on. RMP LLc is also the new buyer of these account in which they are over 7 yeras old also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked Experian for evidence to support inquires showing on my credit report within the last two years, but they repeatedly have failed to provide me with a copy of any viable evidence submitted by various companies substantiating their claims that they had a permissible purpose. I did not authorize for my credit reports to be given to these companies nor did I ask anyone from these companies to access my reports. 

Experian states that these companies had a permissible purpose but have not provided me with any documents showing so. 

I need to know the name of the person from each of the companies that received my credit reports from Experian and for what permissible purpose as well as all documentation Experian received to give these companies access to my credit reports. I am also requesting the name of the person from Experian that provided my reports to these companies. I need to see documentation on all inquires listed on my Experian credit file or all those inquiries that do not have authorized documentation by me need to be deleted! 

On XX/XX/XXXX, I placed a security freeze with all three credit bureaus to prevent unauthorized access of my credit file. A copy of the security freeze is attached to this complaint. Experian ignored the security freeze and allowed these companies access to my file without my knowledge. I also provided paperwork to Experian making them aware that my name was found to be in 4 data breaches. A copy of the letter is attached to this complaint. 

The only inquires that I authorized in the last two years were XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. All other inquires on other dates was not authorized by me. 

I demand that Experian delete all other unauthorized inquiries immediately. 

Please help me resolve this problem with Experian as I am frustrated with their intentional, reckless and unfair handling of my credit file. 

Thank you in advance for your handling of this matter. 

A copy of this complaint will be sent to the FTC, California AG, New York AG, The XXXX and my legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are doing shady practices by not allowing me to get a copy of my credit report which a consumer can not be denied per the FCRA, They have locked me out from my account and when i call to have them unlock they are telling me i am answring incorrectly when i know the responses i am giving them are accurate along with this they are adding things to my credit report while i am locked out and allowing me to be taken advantage of. I have had things pop up on to my transunion and XXXX only while my XXXX does not report what they are showing. I am demanding a remedy for the damages they have caused me or i will sue.
Product: Credit reporting or other personal consumer reports

Improper use of my reports by XXXX XXXX XXXX. In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 also states the Consumer reporting agencies can not furnish an account without my written instruction. Under 15 U.S.C 1666b, a creditor can not report a payment as late for any reason. 
I have late payments showing for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  I explained these payments were late because of not working because of COVID-19
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit card

I upgraded to a XXXX Spirit Airline Credit Card back in XXXX. 
I have used the card exclusively to obtain air miles. I went to use those miles XXXX recently only to find out that the miles expired because I was n't using the card. I explained to both Bank of America and to Spirit Airlines that I have charges an average of XXXX to XXXX a month ( I can provide statement print outs for the last 12 months of charges in excess of XXXX each month ) - ( I can provide the last Spirit Airline statement ). 
Hours on the phone waiting, waiting and waiting ... prompts and then folks who can not really help. 
Are these Cards Scams? Should I really be using these types of cards?
Product: Credit reporting or other personal consumer reports

I am disappointed that my information have been compromised by identity theft.I am trying to buy a home for me and my family and this has put a serious hold on the process. By the FCRA, 15 USC 1681 G my information should be safe and secure and i see its not. My information has also been in a breach. This is a defamation of my character and causing XXXX XXXX on me. Identify Theft is not far and the credit reporting agencies can be sued for having damages on my credit report.There are also some addresses, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My complaint is against CREDIT COLLECTIONS SERVICE, which did not properly notify me of this debt at that time, therefore I have no responsibility for payment.
Product: Credit reporting

I have written and contacted Experian so many times, and their most recent shenanigans involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow.