23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This company reported a consolidation loan taken out by me 60 days after I paid my student loans off in full. The report was filed in XX/XX/2020 to all three credit reports and I never agreed to the loan. I paid all my student loans off with a cashier check XX/XX/2020. When I contacted the company to have it removed no actions was taken. These are fraudulent accounts. The company told me to prove to them I paid my student loans off. I don't have to prove anything to this company. They don't have a record of an outstanding balance or a signed agreement. I've sent several complaints to the credit reports agencies certified with proof. As of today these accounts are still showing up on my reports. I want them removed immediately. 
Acct # XXXX credit file # XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm so embarrassed end upset because I checked my credit report because I'm looking for a new home. and again I see multiple items on my credit report that are not mine. I have reached out to the FTC and to my local police department. I am doing this on my own behalf and again these items need to be removed asap. XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX CARD, XXXX  XXXX/XXXX XXXX, XXXX/XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, Chapter XXXX Bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.
Product: Credit card

I was trying to make my credit card payment much before due date as I don't like to carry a balance. 

I'd ~ {$37.00} balance on Amex XXXX XXXX XXXX card and I scheduled a payment on XX/XX/XXXX. The payment was declined due to insufficient funds on XX/XX/XXXX. My pay day is XX/XX/XXXX and I made funds available on XX/XX/XXXX. I got an email saying they will try a couple more times to process the payment and I don't have to do anything. 

I saw that they processed the payment on XX/XX/XXXX. 
But then I also saw they charged a returned payment fee of {$29.00}. This was not mentioned in the email I received - that just said I don't have to do anything and they'd try a couple more times, which they did. 

When I contacted them a couple of times, I was told that there is an automated system that puts the thing and based on account history, the system is declining the waiver. I was told by a supervisor that I don't use the card often and that seems to be a reason why the system is not waiving the charge. The customer service people were nice but they were handicapped by a system that seems biased and making decisions based on how much the card is used. 

My complaints are ( a ) I was charged though I was told I don't have to do anything ( b ) my payment was processed the next day after it was declined ( c ) the charge is high {$29.00} compared to XXXX balance of {$37.00}. ( d ) the system output for waiver is arbitrary and unfair and discriminatory ( XXXX ) I was trying to pay off much early and it is not late payment. 
******************************** This was the email The following payment on your account was recently returned because there were not enough funds in your bank account. 

Payment Amount : {$36.00} We will attempt to process it up to XXXX more times in the next few days. Theres no need for you to make a new payment at this time. 


Please confirm your bank account information and ensure there are sufficient funds in your bank account. 

You may experience purchasing disruptions until this payment clears. 
*************************************************************
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does not allow me to initiate online disputes like millions of other customers. I have spoken to representatives in the past, who stated the " online system '' was " down ''. 

Over the past 3 months, the website gives me an error message, " technical difficulties. '' It provides a telephone number to call ( XXXX ), but I can no longer get a representative to help me. 

The CRA - Experian - has forced me to send all of my disputes in writing, which is unfair and unreasonable. Their decision to deny me the ability to dispute online has made it extremely difficult to initiate investigations regarding inaccuracies on my consumer report file. 

I have not had any resolution or acceptable progress to fix this issue for over 3 months. Experian has ignored me.
Product: Checking or savings account

I filed a claim to bank of america for unauthorized charges dated back 4 months. The customer representive start from XXXX and was working her way back to XXXX. For over {$5000.00} purchases. I wanted to put XXXX claim in but she put XXXX for XXXX months and said that the system was not letting her put XXXX claim in. She also said that I had a year to put the rest of the claim in. When I did they denied my claim. Anybody could see that over {$5000.00} worth of game purchases was not normal. When I called to see why my claimed was denied they said it didn't match the previous claims. I told the representative to put a claim for game purchases. She did that and also included card purchases that I didn't want to report fraud for.
Product: Checking or savings account

XX/XX/year> a purchase in the amount of {$230.00}. XXXX and {$1700.00} was made to XXXX XXXX for the stay duration of XX/XX/year> through XX/XX/year>. I, XXXX XXXX checked out XX/XX/year> due to faulty equipment and other issues. The pipe was literally broken in the room and their staff members handed me as a client a bucket to empty waste, germs and other unsafe contamination to the street to use the sink. Upon my decision to check out I asked the staff member if I was able to receive a refund for the XXXX remaining days of XX/XX/year> and XX/XX/year> and was met with a hostile volatile response. I was then told based on being given a non-requested discount I was unable to receive my money back. Upon contacting the merchants corporate office I was informed that it was misleading information and the {$230.00} charge was not incorporated with the discount given on the {$1700.00} charge. The purchase was tethered as a web match and was eligible based on me checking out early and the non operational functionalities of the room a ticket was made by the corporate associate numbered as follows : XXXX. My request for my refund was not affiliated with any stayed dates solely the two dates of non services or goods rendered. I then filed a dispute having contacted the merchant directly on XX/XX/year> and speaking with a supervisor ( XXXX last name unknown ) and was told to send the dates via text which I sent to ( XXXX ) XXXX. The text stated it would take 7-10 business days to receive the refund. Documentation can be provided for your reference. A police report was initiated on XX/XX/year> at XXXX XXXX with the XXXX XXXX police event number ( XXXX ). I contacted the merchant and Chime bank to ensure calls were recorded with their disputes department for proof of verbal confirmations and their legally stalling releasing appropriated funds. Chime associate stated on XX/XX/year> a credit would be filed to the account, after contacting back was then told that was false information. Calls are recorded for reference of said actions. Chime requested proof of occurrences which were met then denied to said " claim ''. When Chime was contacted XX/XX/year> I was told I needed to provide new said evidence to reopen the file. I contacted the merchant directly again and the supervisor answered but stated to call back to speak with a supervisor. The legal term is stalling and theft. Chime and XXXX XXXX have existing lawsuits directly continuing the course of actions regarded as illegal and unjust. In closing as of XX/XX/year> the funds were never released to my account and services or goods were not rendered. I will not pay for services and or goods not used. 

Thank you, XXXX XXXX
Product: Debt collection

COLLECTOR ONCE AGAIN VIOLATED FCRA-FDCPA AND TCPA BY CALLING MY MOMS CELL 11 TIMES. THEY PURCHASED SAID DEBT THAT WAS PARTIALLY PAID LAST WEEK.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to properly investigate and verify a negative account on my credit report after delivery of multiple letters from myself. My last letter was sent on XX/XX/2020 and delivered on XX/XX/2020. I gave them 30 days plus more and they have yet to respond or send me an updated credit report. TransUnion also have not shown evidence on how they verified the negative account.
Product: Checking or savings account

XX/XX/XXXX noticed my bank account was overdrawn. I panicked and took {$9000.00} dollars from my savings account and transferred to my checking account. My checking account was now out of the overdrawn status. 
I then went to look at why this happened. I noticed fraudulent withdrawals made with a check.. then several checks in the amounts of {$4800.00} {$4900.00} {$4900.00} {$4900.00} These were not my charges or checks. I then went to Chase bank on community in XXXX XXXX Spoke with XXXX ( bank associate ). She stated that my account was frozen as per the bank for fraudulent checks written against my account. I was advised to come back to next day to reopen a new checking account ( which I did ) and that my frozen checking account is now under investigation. 
I now have opened a new account and do not have enough money to cover my bills. Chase bank will not give me a contact person or anyone to speak with. They just state that this account is under investigation and I will receive either a letter or my funds back. 
The situation from what I understand is : A person walked into the bank and withdrew money from my checking account, on 2 separate days, for a total of {$19000.00} dollars. The checks cleared I did notify the police and filed a report ( as instructed ) ( also called the credit bureau ) My case number with Chase is # XXXX. The number I have called with Chase Bank is XXXX XXXX XXXX ( I spoke with a person XXXX ) who would not allow me to speak with a supervisor nor give me her last name. All she would tell me is that this is under investigation. I feel helpless. 
I am currently under investigation as of Wednesday XX/XX/20XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian, You guys need to actually abide by the Laws. My Credit Report is still very Inaccurate, how did Experian even Verify these accounts, nothing has changed. 
Under Section 15 USC 1681 I ( 7 ), Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a Consumer 's Dispute. 

There is no way Experian provided Maximum Accuracy to Verifiy these Accounts. 
Nothing has been Updated nor Changed, So Experian is just Basically Violating the Law by Verifing Accounts that you can cleary see are not 100 % Accurate across Credit Report. Give me the Full Desriptions on WHAT & HOW Experian Verified each Inaccurate Account listed below OR Remove them from Credit File Immediately because Experian isn't abiding by 15 USC 1681e ( b ), Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


XXXX : THIS ACCOUNT ISNT MINES, THEY STOLE MY INFORMATION. 
I NEVER DID BUSINESS WITH THEM NOR SIGNED A CONTRACT WITH THEM. THEY ARE VIOLATING MY RIGHTS & PRIVACY XXXX XXXX XXXX XXXX : THERE IS NO WAY EXPERIAN IS VERIFING THIS ACCOUNT AT MAXIMUM ACCURACY. THIS ACCOUNT HAS BEEN RE-AGED XXXX TIMES ON THE CLOSED DATE & WRONG DATE OPENED. 

XXXXXXXX XXXX : THERE IS NO WAY EXPERIAN IS VERIFING THIS ACCOUNT AT MAXIMUM ACCURACY. THIS ACCOUNT DATE OPENED IS INACCURATE. THIS COMPANY VIOLATED MY RIGHTS, INVADED PRIVACY, THEY & SOLD MY INFORMATION WITHOUT MY PERMISSION. 

XXXX : THE HISTORY ON THIS ACCOUNT IS VERY INACCURATE, HOW IS IT ( XXXX ) 60 DAYS LATE FOR XXXX & XXXXXXXX XXXX. THATS IMPOSSIBLE. HOW IS IT 120 DAYS IN A SPAN OF 2 MONTHS. VERY INACCURATE.
Product: Credit card or prepaid card

Hello I have a member fee ( XXXX point ) Venture Capital One credit card. At the end of XX/XX/2023 I got an offer on my phone app to upgrade my credit card to one that doesn't charge member fee but they decrease the points to 1.5. I took advantage of this promotion knowing that my current credit card it was gon na expire on XXXX. They send me the new credit card by mail. Now when I was checking my charges online I saw they charged me the annual fee on XX/XX/XXXX ( XXXX dollars ). When I call to ask them ( call made Tuesday XX/XX/XXXX around XXXX XXXX  ) to void this charge they said they cant do this. And now I paid for the credit card that I am no getting all the benefits ( XXXX point ) and I get to use only that supposedly is XXXX annual fee but is only XXXX points. I think this is very unfair. 
The manager didnt give me any solution only saying that I approve the addendums and stuff when I change the credit card. My complain is what they give me the option to Upgrade to a card that I was going to save on annual fee when they already had charge me for the Annual fee. This action by Capital One was misleading and corrupted.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Company Reporting information that I have never done buisness with
Product: Checking or savings account

On XX/XX/XXXX someone used my Wells Fargo Debit card to purchase items at the XXXX XXXX XXXXXXXX XXXX for {$740.00}. I received an alert from my bank that my account was overdrawn. I called my bank and they cancelled my debit card. I also received emails on XX/XX/XXXX from XXXX XXXX that the order was ready for pick up. I called the XXXX XXXX  XXXX to tell them I didn't order the items and not to release the order. XXXX XXXX does not receive calls directly and I was repeatedly put on hold and while I was on hold both items were picked up. 

XX/XX/XXXX Wells Fargo refunded me the {$740.00} pending an investigation. Wells Fargo reached out to XXXX and XXXX told Wells Fargo that I picked up the items at the XXXXXXXX XXXX XXXXXXXX. Wells Fargo then closed my case and told me they will take the {$740.00} from my account. I live in Arizona not Alabama. 

I called the XXXX AL police XXXX and filed a report # XXXX on XX/XX/XXXX because Both Wells Fargo and XXXX XXXX refuse to help me. 

My Wells Fargo Claim number is XXXX. 
My XXXX XXXX case number is XXXX and XXXX. 
The XXXX order number is XXXX BB keeps telling me to call my bank and my bank keeps telling me to call XXXX XXXX. The police depart stated if there is no camera footage of who picked up the order, there is nothing they can do. As of this date no one has made any progress on the case and on XX/XX/XXXX Wells Fargo will remove {$740.00} from my account for items i did not purchase, authorize or pick up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help. I am so frustrated that this continues to occur and XXXX indicates they can't help me. They refer me to call Citibank and Citibank tells me they sent my information to the fraud dept. I called three times to XXXX over time and a new rep told me to write Citibank in SD and request deletion of the items on my credit report. I did that in XXXX and still no change. I have two alerts on my credit report that are not mine. 

Both from Citi CBNA, XXXX XXXX XXXX XXXX XXXX SD, business type " na '' and account status/type is " Consumer Disputes after Resolution ''. One on XX/XX/XXXX in the amount of {$2900.00} and one on XX/XX/XXXX in the amount of $ XXXX of these are mine! Someone is trying to use my information and I can't get this off of my report. I ask for your assistance. PLEASE..I have/had outstanding credit for my entire life. I do not want this fraudulent activity reflected on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experians data furnisher has sent me a letter saying they deleted the bankruptcy but experian isnt removing it from my credit file. This a direct violation of frca 15 U.S.C 1681 et seq..
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this inaccurate information to Equifax, XXXX, and XXXX sometime in mid 2021 and the denied my request, but I included my Federal Trade Commission Fraud report and all proper I.D . I am in the process of disputing this issue again. This time I will include the police report and this complaint. Because I did not open or have knowledge of these accounts until my first dispute.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> did not mean to send my friend {$800.00} on zelle and I sent it to the wrong email when I realized the next day I called XXXX to reverse it and they told me they couldnt give me my money back I was extremely upset because that was a lot of money for me and I was out of {$800.00} never to be seen again. I would like to have some type of resolution if possible. I would attach a photo of the transaction but unfortunately my bank will not allow me to look that far back into my statements on my app.
Product: Student loan

I requested and received an application to discharge my private student loans for attendance at XXXX XXXX  from AES. However, AES says it wants to handle my request outside of the purview of CFPB. Due to AESs known history of making false statements to borrowers of handling issues ( when in reality that was not the case ), I am submitting my application for private loan discharge through CFPB, to properly track and keep AES accountable and to track their response
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, CAP ONE NA, XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, CAP ONE NA, XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Negative Accounts Due to Identity Theft Dear Sir/Madam, I am writing to formally request the removal of several negative accounts that have been incorrectly reported on my credit report. These accounts are the result of identity theft, during which my personal information, including my Social Security number, was stolen and misused to open fraudulent accounts without my knowledge or consent. 

The following accounts are erroneously reporting negative information on my credit report : XXXX XXXX XXXX Account XXXX : XXXX Charge : Unauthorized charges Date : XX/XX/year> XXXX  XXXX. 
Account Number : XXXX Charge : Unauthorized charges Date : XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Charge : Unauthorized charges Date : XXXX XXXX There are additional accounts that are attached documents. 

I have already reported the identity theft to the Federal Trade Commission and have attached a copy of my FTC Identity Theft Report, as well as proof of my identity, for your reference. 

As per the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure the accuracy and integrity of the information they provide to consumer reporting agencies. Given that these accounts are fraudulent, I am requesting their immediate removal from my credit report to prevent further damage to my credit score. I also request that the furnishers of these accounts be informed that these debts are the result of identity theft, and that they cease all reporting of this erroneous information to the credit reporting agencies. 

I have included the Notice to Furnishers of Information document, which outlines your responsibilities under the FCRA, including the obligation to investigate and correct inaccurate information. I trust that you will handle this matter with the urgency it requires and ensure that my credit report is updated accordingly. 

Please confirm receipt of this letter and notify me once the negative accounts have been removed. I look forward to your prompt attention and resolution of this matter. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX : FTC Identity Theft Report Proof of Identity Notice to Furnishers of Information
Product: Mortgage

ATTENTION CONSUMER FIANCE: IM MAKING A COMPLAINT AGAINST WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX  FOR CONTENTS IN THE HOUSE VALUED AS PRICLESS ITEMS THAT WERE ANTIQUE AND VERY VALUABLE. VALUE WILL BE ESTIMATED LATER.HOUSE SOLD XXXX XXXXXXXX XXXX XXXX XXXX. ACCOUNT DUE XXXX XXXX. MY MOTHER XXXX XXXX MADE ALL HER PAYMENTS TO  WELLS FARGO. I WOULD TAKE HER AND SOMETIMESMY FATHER XXXX XXXX TOOK HER.NO ARREARS WERE DUE. WELLS FARGO SHOWED UPAND PUT PADLOCKS ON THE DOOR,PUTTING FEAR INTO MY PARENTS.