23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2018 my Netspend/ XXXX XXXX debit card that I use was compromised while I was at work. During the time of the fraudulent activity I was at work and the card was in my possession. In the hour between XXXX XXXX- XXXX XXXX I received a total of 11 notifications of withdraws being made on my account from an ATM located at a gas station. I immediately notified Netspend of the fraudulent activity, and canceled my card. I also did what they requested and filed a police report and sent them a copy of the police report the same day that this incident occurred. I also offered to send a copy of my punch card to verify that I was at work during the time of the fraudulent activity in which they declined and said that they had all the documents they needed. 

I waited a total of 10 business days for them to investigate the fraud with out getting the money credited back into my account. On the 11th day they notified me that they did not find any errors and were not going to credit my account the {$1600.00} that was stolen out of my account. However, according to the Netspend website they follow federal regulations in which they do not allow more than 6 ATM withdrawals and the withdrawals can not exceed {$940.00} in a 24 hour period. So Netspend did make an error in that instance. Also any time a fraudulent charge appears while the card is still in the card owners possession the company is required to cover it. For all I know the fraudulent activity to my card could have been an inside job since there were obvious errors made on their end, and they declined the offer to additional documents proving that I did not make these charges.
Product: Debt collection

I received a debt collection notice for a speeding camera ticket. I responded immediately and requesting the following : Prove that you are licensed to collect in the state of OhioProvide me with your license numbers and a Registered Agent 's name Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment ; Prove the Statute of Limitations has not expired on this account ; The response from the collection contained none of the requested information. The response stated that their investigation was complete and that I owe what they say I owe, along with a photo of my license plate.
Product: Checking or savings account

I have proven my standding with facts, and bank of america has shown no clarity or validation thats my debt. They responded with their rules with no proof of applicability and presumptions and threatened to report me to  XXXX  for an ALLEGED debt which is a computer error created by a  XXXX . boa are crimnals and now im going to show   XXXX   XXXX   americans how boa committs morgage fraud and steals houses. You really  XXXX  me off. Yu owe damages for punative and a  XXXX   XXXX  $ $ $ for using my name as a vessel/bond > fictitious name!!! YOU MISCREANT CRIMINAL LIAR FRAUDSTERS!!! CANT RESPOND TO ME AFTER HOW MANY MONTHS, ARE YOU CONFUSED? OR JUST GUILTY AS  XXXX ? thats not my name on that paper you  XXXX !! and i dont like your threats,  youcan t ake  XXXX  and shove it up your  XXXX , your response said you closed the account, SO CLOSE IT ALREADY AND STOP USING MY PERSONAL AND PRIVATE INFORMATION!!! YOU READ YOUR LETTER YOU SENT ME AND LOOK AT ALL YOUR     XXXX   UPS!!!     This legal notice being sent and delivered to you persuant to   XXXX     Statutes 48.081  NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETT ERS ) in  a private individuals name, or a ZIP CODE, against the individuals wishes, is a crime unde r Title 39 U.S.C.  Section  3003, Title 18 U.S.C. 1302, 1341, 1342., and is pu nishable by up to 15 years imprisonment and {>= $1,000,000} fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX, and XXXX  XXXX XXXX. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I never applied for  an amazon.com visa signature credit card from Chase bank USA, N.A but was sent a denial for credit letter which damaged my credit report and credit score. I attempted to contact the company but there was not a single contact phone number or email address to contact them and I can not have my credit further damaged for months while they attempt to sort this out through regular mail. I also attempted to contact them through their website which gave no phone number to call unless you where already a card holder. I feel this is a blatant attempt at fraud for which I am paying the price through my credit score.
Product: Credit card or prepaid card

I do have a credit card with Barclays XXXX XXXX thru Frontier Airlines. Few weeks ago Barclays sent me an offer to transfer money from my Credit Card to my bank account and charge me no interest for severals months. Since I had no balance and my available credit line was the maximum XXXX XXXX I transferred the XXXX $ ( maximum of the credit line ) to my bank account. But few days later, I saw that Barclays charged me twice XXXX $ for that one single transfer although my credit limit is only XXXX. 

I have been calling Barclays every days since XX/XX/XXXX only to be told this is known issue and they are working on it. As of today XX/XX/XXXX, Barclays has still not resolved the issue and/or given me a clear date when it will be resolved. 
In fact during the call today, I am being told it can take up to 2 months for the issue to be resolved, but no guarantee
Product: Debt collection

I have contacted the company and credit bureau about this this account. A representative told me that I will just have to continue to dispute this account monthly. This is a fraudulent account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am personally submitting this complaint without involving any third parties. I have included letters that outline the inaccuracies found on my credit report. The reports from XXXX, XXXX, and Equifax include incorrect information with varying and outdated dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, I have made two reports in the FTC department notifying each of the credit agencies XXXX, EQUIFAX, XXXX, sending all my information about the accounts that do not belong to me, my identity and the number report that the FTC agency provided me, refusing to remove them from my cut in each of these bureaus, also request each of these creditors to send me a proof of the contract signed by me in each of the accounts that They are reporting in my credit report through certified mail which certifies that they received it, which was not answered by any of them, then I opened a new dispute request to each of the bureaus, add the proof of my request test by these creditors who never responded, receiving the same response that they had already verified the accounts and that the accounts were still in my credit report, taking this a process of more than 6 months having an erroneous result since these accounts They do not belong to me and these agencies are not doing the proper verification and violating my fair credit rights as established by law. 

The accounts in dispute and that have not complied with the correct verification are the following XXXX XXXXXXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} TD BANK XXXX # XXXX. BALANCE {$4900.00} TD BANK XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX # XXXX BALANCE {$9300.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} EQUIFAX XXXX XXXX XXXX # XXXX BALANCE {$7300.00} XXXX XXXX # XXXX BALANCE {$2400.00}. XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} XXXX XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX XXXXXXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXX XXXXXXXX # XXXX BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXXXXXX # XXXX. BALANCE {$16000.00} XXXX XXXX XXXX XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXXXXXX # XXXX. BALANCE {$16000.00} I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present accuracy in any of the bureaus and additionally I was not I am the one who opened them, not even the creditors have presented the proof that these accounts belong to me, I ask you to intervene as the agency that regulates these bureaus since it is a process that they do not want to take measures to correct this thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to request the immediate removal of fraudulent accounts that have appeared on my TransUnion credit report. I have recently discovered these unauthorized accounts and wish to rectify this situation promptly. As a victim of identity theft, I kindly request your assistance in resolving this matter. 

The fraudulent accounts listed on my TransUnion credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX I would like to emphasize that I have never had any dealings or financial transactions with the entities associated with these accounts. The appearance of these fraudulent accounts has greatly affected my creditworthiness and has caused significant distress. I have meticulously reviewed my financial records and can confirm that there is no legitimate reason for these accounts to be present on my credit report. 

Given the circumstances, I believe it is crucial to investigate the origin of these fraudulent accounts. I am unable to provide any concrete evidence regarding how these accounts were established, as I have no knowledge of their origin. However, I assure you that I have been diligent in monitoring my credit report, and I would have taken immediate action if I had noticed these accounts earlier. The delay in discovering these fraudulent accounts is a testament to the cunning and sophistication of the identity thieves involved. 

I would like to bring to your attention that, as a consumer, I am protected by various laws and regulations, including the Fair Credit Reporting Act ( FCRA ). According to FCRA Section 611, it is my right to dispute any inaccurate or fraudulent information on my credit report. Furthermore, Section 605B of the FCRA stipulates that fraudulent accounts resulting from identity theft should be promptly removed from my credit report, once their fraudulent nature has been established.

I request that you thoroughly investigate the legitimacy of these accounts and take immediate action to delete them from my TransUnion credit report. This will help restore my creditworthiness and protect my financial standing, as well as provide me with the peace of mind that comes from resolving this distressing situation. 

Enclosed with this letter are copies of my personal identification documents, including my driver 's license and Social Security card, to verify my identity and aid in your investigation. I trust that you will handle this matter with the utmost urgency and professionalism. 

I sincerely appreciate your attention to this matter and anticipate a prompt resolution. Should you require any further information or documentation, please do not hesitate to contact me. Thank you for your understanding and cooperation. 

Yours faithfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections XXXX are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXXXXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

In the fall of XXXX, I disputed a collection account posted by XXXX XXXX XXXX on both XXXX and Trans Union. After 30 days, the collection account was deleted. Either XXXX XXXX XXXX did not timely respond or agreed to remove it, However with the next reporting cycle, the collection account reappeared, I notified both Trans Union and XXXX. XXXX blocked the collection account from reappearing but Trans Union did not and did not explain why, Please note that in XXXX, I sued Trans Union for the exact same issue, therefore this issue apparently has never been fixed with there system.? the lawsuit was filed in the NDTX and was settled in my favor with a payment to me. 

The underlying account was for a lawn service by a company that promised certain things and failed to deliver so we fired them. We use a different service now and have for awhile,
Product: Student loan

Unfortunately, my vocation in life did not come with strong financial guarantees. I work for a XXXX XXXX as a XXXX XXXXXXXX for XXXX XXXX XXXX XXXX. While being mom to my work kids, I am also a single mother of XXXX. I am grateful for the education I received and work that I do but I have always struggled with my student loans. This has led to default, and recovery, and default again. Every time I get into a decent situation like a low repayment rehabilitation agreement, the regular payments that follow become too much. Finally, I found my way to income driven repayment plans and public service loan forgiveness. This looked like it would lead to a reasonable future where I could handle this burden only to find out that the window to that future closed on XX/XX/XXXX. Back in XX/XX/XXXX I had begun researching these options and had put in a request for my loans to go on hold while I applied for consolidation. However, I had been in so many plans that turned out poorly, I had wanted to consult with a professional beforehand to make sure the option I had chosen would not come with dire financial consequences down the road. At this time I was informed that my loans were defaulted, that I would not be able to consolidate, and I could not even get into a rehabilitation agreement if I wanted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX mom and I dont make a lot of money, I have the right to privacy In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions Thank you very much Delete from my report
Product: Checking or savings account

My XXXX was first deactivated for apparently being fraudulently used when I didnt do anything fraudulent with my XXXX any transactions I had with my navy XXXX were me receiving money from friends and family. Now I am losing my only bank account falsely that I use to pay my bills and I have bills coming up this week. I also contracted them about my XXXX a couple days ago and they said they were going to put a note on my account for the team to review it after the phone call and questions I was asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought the new car XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, phone number XXXXand apply apply financial auto car loan on this company at XX/XX/XXXX. The total auto car loan l borrow around $ XXXX plus. And l pay the down payment $ XXXX or $ XXXX.l need pay {$360.00} each months in totally 60 months. The first payment l pay is on XX/XX/XXXX. When l continue pay to nine months payment, l have my financial problem. l can't continue to pay the car loan. The financial loan company taken away the car and sales the car. After that they need me pay the balances around $ XXXX. l can't understand why the need me to pay the balance l not long owne the car? l try communication to the financial company, but problem not solve. They report me to credit report bureau. This report is fault.
Product: Credit reporting or other personal consumer reports

there is too many late payments on the account from previous dates which I talked several times to XXXX XXXX about this payments that was made and some fees that they was supposed to adjust and when I paid they mark it late, some of the late marks are not for the actual payments they are for late fees which they were supposed to be removed and they didn't and I end up paying. As of today the account is current with no balance owed. I have XXXX late marks from XXXX, XXXX, XXXX of XXXX and XXXX, XXXX, XXXX, XXXX of XXXX. 
This is XXXX late marks which hurts my credit really bad and I can't get any loans or get a new car. 
My credit report with all the other creditors a re perfect and never had such issue. 
I really need help with this. 
ThAnk you.
Product: Credit card or prepaid card

On XX/XX/2021 I initiated a balance transfer for my Wells Fargo credit card to pay {$8000.00} to my XXXX XXXXXXXX XXXX XXXX. Wells Fargo approved it and applied the funds to my Wells Fargo credit account. By XX/XX/XXXX I noticed the credit was never applied to my XXXX account so I called both banks to inquire. Wells Fargo opened an investigation into the issue and said it would take up to 90 days to complete the investigation. I have called twice since to check on the status of the investigation and nothing has been done yet. XXXX can not do anything because they have no record of any payments from Wells Fargo. So now I am stuck paying large payments on both accounts and my credit score dropped because it shows that I have twice the amount of debt I should have. Just because they have up to 90 days to investigate doesnt mean it should take a full 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX ( XXXX ) U S DEPT OF EDXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my report that TransUnion failed to remove after dispute sent on XX/XX/XXXX	These were not authorized inquiries XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX/XXXX XXXX XXXXXX/XX/XXXX