23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I purchase a large amount of gift cards every year for company use. Sometimes there are a few left over after holiday and they are locked up in office for further use. 
One leftover card was given to an employee for good work around XXXX of XXXX. The employee ( XXXX XXXX reported that there was no balance left on the card. Since the envelope was sealed and in locked place, it seemed impossible. I called Amex gift card and was told that the card in question was used to make purchases such as XXXX in XXXX! I asked for a full accounting and was told I had to go to website. In the interim she gave me a case # XXXX. I went to website and tried several times. It said card information was unavailable - call phone #. Called again, spoke to XXXX who told me that she did not have access to these transactions. I asked for Supervisor. She said Supervisor does not have access to these transactions. I tried to e-mail and received the same reply five times - " Unfortunately, your claim has been denied. If you would like to review your transaction history visit the website or call customer servivce '' ... I kept e-mailing back to say I had done this but did not get an answer and I received the same exact language reply over and over. The last time I aske to be connected to a human ( I'm guessing AI gives the same exact answer over and over... ) And now have no reply. I purchased {$3000.00} in gifts cards on XX/XX/XXXX and on XX/XX/XXXX. The card in question was in the amount of {$250.00} and had a reindeer on the front. I have the card in my possession. I charged the cards on my Amex card and tried to dispute the charge but they said it was too old to dispute. I am beyond frustrated that someone used this gift card number fraudulently and there is nothing Amex will do about it.
Product: Credit reporting or other personal consumer reports

Dear Equifax 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. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX Account Number : XXXX Please remove it from my credit report. 

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

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS 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 XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX  Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS PORTFOLIO Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY PORTFOLIO Account Number : XXXX  Delete this account. 

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

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

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

a year ago about I emailed checkr and told them that my information was incorrect and 2 actually take my information off their site because I was involved in a murder case and I had to testify so I didn't want my information and my address and all my history on their website for anybody to find because my life could be in danger and they said okay they would take it off and I look now and a employer search their site and found information that I've never even seen before on there which is incorrect. So I want all my information and all my criminal history and my address and my phone number all that stuff to be taken down off of every public site there is because I feel that my life is in danger.
Product: Payday loan, title loan, personal loan, or advance loan

I saw on my credit report that there was a huge drop in credit score, and investigated to find that some scammer opened 2 lines of credit and one line of personal loan under my name, using my social security and birth date.I contacted oportun the company that the persona loan was open under, and they were not helpful at all, I told them that I did not authorize the loan, and never opened the loan, and they said they will get back to me, have not heard from them in 2 weeks, I keep contacting them, telling them I am not willing to pay for someone elses loans, but they dont seem to know what they're doing and keep saying just wait, you will hear from us. I need this loan closed and they need to find the person thats responsible for this. I believe it is the same person as the person that opened th two lines of credit, whom I have some information on. I was able to figure out his address, email, and phone, but no name from investigating through the othe two lines of credit he opened with my information.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Hello, I would like to file a dispute with you in regards of capital one. 

I filed a claim with capital one for unauthorized charges and they did not resolve my dispute. I am including transactions and dates. These charges were unauthorized and they have reversed charges on my account debiting my account almost {$2600.00} Please help me with this as this is a lot of money and Capital one will not help me any further. I think they are in violation of regulation E. 

They sent me documentation that makes no sense to me and does not prove that I made any kind of purchases with this company. 

Thanks for filing claim number XXXX. 

We received your request to reassert an error on the following transaction ( s ). We finished looking into your dispute and didn't find any errors after checking our records. So, we're denying your claim and closing your dispute. 

As requested, here are the attached docs used to make our decision. 

Transaction Date ( s ) and Amount ( s ) XX/XX/XXXX - {$100.00} - XXXX   XXXX XX/XX/XXXX - {$110.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX   XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$90.00} - XXXX XXXX XX/XX/XXXX - {$23.00} - XXXX XXXX XX/XX/XXXX - {$71.00} - XXXX XXXX   XX/XX/XXXX - {$98.00} - XXXX XXXX XX/XX/XXXX - {$32.00} - XXXX XXXX XX/XX/XXXX - {$40.00} - XXXX XXXX ransaction Date ( s ) and Amount ( s ) XX/XX/XXXX - {$150.00} - XXXX XXXX   XX/XX/XXXX - {$140.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$76.00} - XXXX XXXX XX/XX/XXXX - {$120.00} - XXXX XXXX   XX/XX/XXXX - {$95.00} - XXXX XXXX XX/XX/XXXX - {$140.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX   XX/XX/XXXX - {$50.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX   XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$47.00} - XXXX XXXX XX/XX/XXXX - {$45.00} - XXXX XXXX XX/XX/XXXX - {$140.00} - XXXX XXXX   XX/XX/XXXX - {$50.00} - XXXX XXXX XX/XX/XXXX - {$50.00} - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wayfair said if I paid for my debit, after not sending proper notifications. It would pay for delete. They did not this my account is now even more negative than before paying this off. This is in writing, there is confirmation of this. They did not send notices or call proper numbers. They need to fix this immediately or there will be legal action taken.
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 Dispute of Civil Liability and Negligent Compliance Under FCRA Section 15. US code 1681 ( o ) To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report and to bring to your attention potential civil liability and negligent compliance under Section 15. US code 1681 ( o ) of the Fair Credit Reporting Act regarding the reporting of my credit information.

It has come to my attention that certain information reported may not be accurate and could be violating my rights under the FCRA. Specifically, I believe there has been a failure to ensure the accuracy of the information being reported, which has negatively impacted my credit standing.

I kindly request that you conduct a full investigation into this matter and provide me with documentation regarding the reporting of my account. If inaccuracies are confirmed, I expect them to be promptly corrected or removed from my report.

Additionally, I expect you to inform me in writing of the results of your investigation as mandated by the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of my concerns. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX and Citigroup are dictating to companies who they will or will not do business with based own these banks views of gun rights and the XXXX XXXX XXXX. These multi-billion dollar Banks that were bailed out from financial collapse with American taxpayer dollars now feel they do not have to follow the laws set by Congress and our constitution and can discriminate on certain companies with their on policies. This is a dangerous precedent.
Product: Credit reporting or other personal consumer reports

This account payment history is incorrect. Asked for statements showing late payment being received. The company didnt provide. Furthermore, the company held up unemployment benefits, where the money would have been used to pay auto loan accounts. Then reported the account as late. Payment History should be updated so reflect NEVER LATE or the four year old account should be removed from all credit agencies. Money settlement didnt resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was told that there is noting thati can do once i let one company check my credit they an use as many companys as they want to and i filed bk they should remove some of the creditor that i apply for
Product: Credit reporting or other personal consumer reports

I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The letter that I have attached was the last letter mailed out on XX/XX/2023.
Product: Debt collection

OneMain Financial continuously contacts me over 10 times a day. I have repeatedly asked for the communication to stop on several occasions. OneMain Financial is reporting an alleged debt in the amount of {$2700.00} on the credit reporting agencies. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding the inaccurate information listed on my consumer credit report. OneMain Financial calls from XXXX several times a day nonstop. I have received letters from the company advising of an unknown debt that I owe.
Product: Mortgage

NewRez did not pay my home insurance from my Escrow account to XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit and found these accounts on my report I called each company and was told they would remove the accounts. After questioning some of the company some of them sold the account instead of giving me the information I requested. I have file FTC REPORTS sent letters contacted the credit bureau and nothing has been done. THEY REPORT BACK TO THE CREDIT THAT THEY HAVE SENT INFORMATION TO ME BUT HAS NOT. So i open an account with the USPS to log all mail that comes into the post office with my name and address and these records can no be removed by me or no one else so i have prove that nothing was ever sent
Product: Debt collection

The collection agency that is attempting to collect a debt from me is not licensed to operate in my state. Thus, I am disputing this collection. I have included the list of all active licenses for collection agencies from my state 's government website.
Product: Debt collection

I had contacted this debt collector 6 months ago, they have a client of the State of Maryland Comptroller that is saying that I had a debt or a return filed back in 2012 with the state of Maryland. I told them that I did not ever live in Maryland and was a victim of fraud. They told me to contact another number and I did all the steps and filed a police report. Everything was suppose to be taken care, but I just received another bill from them and so I called their number and the gal was very rude and kurt with me like this was my bill. I told her that I dealt with this over 6 months ago and did everything with the state like they wanted and it was not my bill and I was a victim of Identity theft. She basically stated that she could not do anything about it and I would have to call the state of maryland and go through all the hoops again and that she couldnt do anything. I HAVE BEEN A VICTIM OF FRAUD AND WANT THIS TAKEN CARE, but no one seems to hear what I am saying. I Have NEVER lived in maryland or worked in maryland
Product: Checking or savings account

This letter formally expressesmy extreme disappointment with Truist Bank 's recent denial of my claim for unauthorized transactions. I believe the bank has incorrectly handled my case and respectfully request a more thorough review of this claim.Reason being that the claim was not done in a timely matter. I have never been made aware any time frame on discovery of claims. 

I discovered unauthorized transactions on my checking {$490.00} and on savings {$5400.00} account from XXXX in the total amount of {$5900.00}. Both accounts were opened on XX/XX/year> in the amount of {$6000.00} and myself or my XXXX brother has not been back to the bank or accessed these accounts since that day. I informed the Truist fraud department via phone immediately. The funds were in a joint account for my XXXX brother for his daily living needs. I was also informed that at this time that my brother 's wallet was previously stolen. In which I informed Truist bank, froze both accounts and filed a claim on XX/XX/year>. On XXXXvisited the local Truist bank to speak with a personal banker on duty to inform them of unauthorized transactions on both accounts and asked her to research those dates. She stated that the Truist bank data system did not have the information for my accounts no longer for that period. she also stated that if I had setup online banking with alerts, I would have been aware and prevented these unauthorized transactions. I was also informed that the savings account statement is mailed out every XXXXXXXX XXXX, well after the date I would be made aware of the fraud on my account. While speaking with the banker I let her know that I had already frozen the accounts and filed the claim and verified this by showing me this on her computer. I contacted the Truist fraud department on XX/XX/year> again to check on my claim status but they could not locate it. I had to start the claim process all over again which was very upsetting. 


I received Truist Affidavit of Fraud documents on XX/XX/year> but they were dated XX/XX/year> that stated they needed to be completed and notarized within XXXX XXXX XXXX. A Fraud investigator contacted me via phone on XX/XX/year> to request that I email copies of my brothers ' and my Id 's needed for the claim. I stated that I would send it on XX/XX/year> and he stated that the would be fine. On XX/XX/year> I went to a Truist bank to get Truist Affidavit of Fraud notarized and faxed to Fraud claims department. 


On XX/XX/year> I received a denial letter from Truist Fraud Claims/Management dated XX/XX/year> concluding their investigation. Stating that my claim for reimbursement was denied because it did not report my claim in the required timeframe ( s ). As I stated previously, I was not informed of the required timeframe when reporting unauthorized transactions or fraud. 


Thank you for your time and consideration in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to remove addresses off my credit report. They responded with a letter that said such addresses would be removed. But when I checked my credit report they are still listed on there.
Product: Credit reporting or other personal consumer reports

In XXXX, I noticed numerous inaccuracies on my credit report. I requested verification for all accounts listed in scanned documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has been mixed up with my XXXX and no matter how many times I call to get it fixed or send in a dispute, they havent been able to fix it. Both XXXX and transunion havent been able to do anything. Transunion theres still has inquiries that aren't mine, and a reported closed account, not mine either. XXXX has a account thats not mine on their report and another closed account.
Product: Credit card or prepaid card

XXXX XXXX knows that credit is HIS right and XXXX XXXX also knows that reporting to consumer reporting agencies by creditors is voluntary, please see attached CFPB article from XX/XX/2012. The information that NAVY FEDERAL CREDIT UNION saw on the report that was received from XXXX, XXXX XXXX didnt consent to it, and it was unvoluntary, XXXX XXXX transactions are done in good faith, and they are private transactions. This was unfavorable to XXXX XXXX, but nothing under adverse action gives NAVY FEDERAL CREDIT UNION the right to deny XXXX XXXX credit. XXXX XXXX credited this transaction as a creditor with his credit card, 15 USC 1602 ( l ), this was a credit transaction from his credit card. NAVY FEDERAL CREDIT UNION has committed a crime, the term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. NAVY FEDERAL CREDIT UNION has benefitted from the use of my credit card, but XXXX XXXX has not. NAVY FEDERAL CREDIT UNION ran XXXX XXXXs credit card and received the credit, but XXXX XXXX has no access to nor did XXXX XXXX benefit from the XXXX NAVY FEDERAL CREDIT UNION received. In your adverse action letter, it mentions the Equal Opportunity Credit Act, XXXX XXXX has been discriminated against because XXXX XXXX exercised his right. The right that XXXX XXXX exercised is his right to credit but NAVY FEDERAL CREDIT UNION discriminated against him because of some score that is not backed by law and is a part of a voluntary system that XXXX XXXX has not consented to. XXXX XXXX is writing this letter to attempt to cure this adverse action with reasonable procedures to rectify the transaction and to compensate me for the use of my credit card in the amount that he is requesting of, {$5000.00}. Failure to provide the response requested within 7 calendar days will constitutes as NAVY FEDERAL CREDIT UNION acceptance the offer to compensate me in the amount of {$5000.00}.
Product: Credit reporting or other personal consumer reports

There are two addresses that belong to me I never lived there XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXXXXXX XXXX XXXX.Ca XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on XXXX  and XXXX.

1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft AMEX Account Number : XXXX This is not mine.
Product: Debt collection

A fraudulent transaction was induced in my account and I informed the company of this ; they said they would terminate the balance and send out a new card in the mail, which still has not happened ; instead the balance has been let to grow with interest and now they expect me to pay it, without any proof that I did it. No communication from them has been taking place, rather evasion via mail letters I sent and phone calls.
Product: Checking or savings account

My card information and debit card was stolen and someone spent XXXX unauthorized charges on my account. 
Today they sent me a letter denying my claim, telling me that they believe the transaction was made by me or someone authorized by me. This is clearly a mistake so I called them, and they said that the decision is final and could not be changed nor appealed. I am currently out all my money and Wells Fargo will not help me. For a company that mentions the term Zero Liability in reference to fraud charges more than 100 times on their website, I feel I am treated incredibly unfairly and pretty far from what I would expect from any customer service. Please help me get my money back. Im crying for help at this point.