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

I was assessed 2 overdraft charges of {$36.00} on XX/XX/XXXX. The day after I was able to get my account from the negative balance. That same day I contacted a rep from PNC to request of one or both of the fees could be removed ( because I was wondering why I would get 2 overdraft fees at the same time ). I told the rep, that it was odd to incur 2 fees for one item that was caused the overdraft. He couldn't remove them to no avail so he sent a notice for a account supervisor to get in touch with me. 

So today ( XX/XX/XXXX ) at approx XXXX am XXXX I was contacted by XXXX. Well she lied as to why both of the fees couldn't be removed, she stated I needed to be in the " low balance alert program '' and I needed to do that on their website. I then told her I was in the " low balance alert program '' and that it was automated to my account. I then explained that person with her title could just credit me the {$36.00} if she couldn't have it removed. I then mentioned she probably had bias against me ( I'm a XXXX XX/XX/XXXX and that's why she came up with such a poorest lie. 

I have our conversation recorded ( starting at XXXX ). I will also upload pics to verify I'm already in the " low balance alert program ''.
Product: Credit reporting or other personal consumer reports

There are multiple account that are overdue from places that I've never gotten credit from or have accounts with. And when I disputed it, they still continued to keep it on there, even though they have no proof that it was even me. 
This is greatly effectively credit to where I can't even get a car. I can't get housing. I can't. Do anything because of the blocks that it's put on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act, the last of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Name ... XXXX XXXX XXXX Account # XXXX Name ... XXXX XXXX XXXX # XXXX Name ... XXXX XXXX XXXX XXXX. # XXXX Name ... XXXX XXXX XXXXXXXX .. Account # XXXX Name.. XXXX XXXX in # XXXX Name.. XXXX XXXX ... Account # XXXX Name.. XXXX.. Account # XXXX Has violated my rights. 
15 u.s.c 1681 section 602 A. 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 instruction..

15 u.s.c 1681 C. ( A ) ( 5 ) section state : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years..

15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. According to XXXX XXXX and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this message in regard to the problems i see listed on my credit report. 
Personal Information : XXXX XXXX is correct. XXXX XXXX & XXXX XXXX is reported in correctly. Address : All the address listed on my credit report is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, all accounts listed under this address i am unaware of and is fraudulent. I have sent several certified letters over to dispute this claim in a professional matter and you haven't responded since 2017. I was affected by several breaches over the year and i am a victim of identity theft. You have violated my rights as a consumer. This is my final notice and message to inform you of litigations. I am forced to take this matter to court along with all evidence and paper trail work. You have violated my rights as a consumer in the FCRA section The Fair Debt Collection Practices Act ( FDCPA ). re-aging an account by updating the false date of last activity on my credit report in the hopes of keeping negative information on my account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation.FRADULENT ACCOUNTS : 1. XXXX XXXX XXXX  {$10000.00} 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX {$15000.00} 5. XXXX XXXX {$12000.00} 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX FRADULENT INQUIRIES : XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX XXXXXXXX 5.  XXXX XXXX 6. XXXX XXXX XXXX 7.  XXXX XXXX 8. XXXX 9.XXXX XXXX 10.  XXXX XXXX
Product: Checking or savings account

An unathorized person accessed my Wells Fargo checking account and made XXXX fraudulent transfers to another bank account. 

Posted Transactions XX/XX/21 BILL PAY XXXX XXXX XXXX CREDIT CARD ON-LINE XXXX {$990.00} XX/XX/21 BILL PAY XXXX XXXX XXXX CREDIT CARD XXXX XXXX {$990.00} XX/XX/21 BILL PAY XXXX XXXX XXXX CREDIT CARD XXXX XXXX {$990.00} XXXX filed a claimm on the XXXX with Wells Fargo 's fraud department. They denied my claim about ten business days later. 

Half my bank account is gone and I don't know what to do, please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : -When applying for credit cards, I was denied by multiple lenders. These lenders stated were not able to verify my credit/identity information because they could not access my XXXX/TransUnion Credit Report. 

-I attempted to access my XXXX/Transunion credit report online, but was unable to access it, despite answering all identify verification questions correctly. 

-XXXX/Transunion required me to request my credit report by mail, and asked me to send sensitive personal information via mail. 

XX/XX/XXXX : -I am still unable to access my credit report online with XXXX and TransUnion
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Block of Information Due to Identity Theft Under FCRA 605B Dear Sir/Madam, I am writing to formally request the immediate block of information on my credit report related to accounts and inquiries resulting from identity theft. This request is made pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). 

XXXX XXXX XXXX  ACCOUNT NUMBER XXXX DATE OPENED XX/XX/year> According to FCRA 605B, you are required to block the reporting of the aforementioned fraudulent information within four business days of receiving this request. I kindly ask that you send me a written confirmation once this action has been completed.

If you require any additional information or have any questions, please feel free to contact me at XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am Filling this Complaint Against credit report agencies transunion, XXXX and XXXX As I see false information on my report is being commingling which can be assumed as fraud Pertaining to XXXX  Account number XXXX Which I see Inaccurate information reported starting with the Late payment as of XXXX which XXXX, transunion and XXXX provided no proof of that late payment and in accordance to with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states that consumer reporting agency can not furnish an account account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose can you help with the credit I am demanding credit reporting agencies to remove any late payments off Truist account Along with lies and false remarks saying the account is past due XXXX dollars or XXXX dollars I do not take to kindly To False accusations on my consumer report
Product: Credit reporting or other personal consumer reports

Car Loan Closed on my credit report that has nothing to do with me. 
There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. 

( XXXX ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 

( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, XXXX XXXX, 1977, XXXX XXXX. XXXX. )
Product: Debt collection

Ars continues to attack my credit after several deletions. They are claiming I owe bills that are not validated as mine. Just a mere letter with dates and amounts that do not belong to me. XXXX did not verify the accuracy of this debt and continues to violate my credit
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year>, I received ( 2 ) delinquencies on my credit report from USSA Federal Savings Bank in the amount of {$310.00} twice per month. One in XXXX, and one in XXXX, which I called USAA and notified them that I was in between of finding a job and doing car services to pay them that monthly fee. I notified them in the month of XXXX, but they continued to call me about the same issue in the same month and again in XXXX. When I received the money, I paid USAA off the full amount plus the late fee charges that we're added. I'm currently waiting for the credit card company to remove my delinquencies on my credit report because before I lost the job, I made all my payments on time. I bin with USAA XXXX XXXX for ( XXXX ) years now and haven't missed a payment with the other car loans I had on my account. I want to get this derogatory marks removed off my credit report because it's not allowing me to maximize my credit opportunities the way I want too.
Product: Credit card or prepaid card

In XX/XX/2020, I purchased a cell phone from a third party seller through XXXX. The purchase was made using my Chase credit card. Upon receiving the cell phone, it became clear it was defective and would not hold any battery charge. I contacted XXXX to initiate a return/refund. XXXX promptly approved the refund so long as I returned the product using the " return authorization '' form which included the third party sellers address. 
I mailed the product using the " return authorization '' form using XXXX with tracking at the end of XX/XX/2020. Per XXXX records, the package was delivered to the seller and signed for by someone at that address. 
I waited, and waited, and waited and still no refund from the seller onto my chase card. 
So, I disputed the chard with Chase in XX/XX/2020. I provided Chase a copy of the return authorization form and the document from XXXX showing the package was delivered and who signed for the package. 
At the end of XX/XX/2020, Chase denied my dispute and said the merchant claimed I never returned the product. I immediately called Chase and reopened the dispute. I also resent the documentation. I also followed up with a phone call to their dispute center and got verbal verification that the documents were readable and included everything that was needed to get the charge taken off the account. 
Fast forward to XX/XX/XXXX, Chase denied the dispute again. According to Chase, the seller said that even though I have proof that the package was delivered and signed for by the merchant, I did not have proof that the merchant actually received it. I was told to refiled the dispute if I had additional documents proving that the person who signed for the package at the merchants address actually worked for the merchant. This would be impossible. I asked to speak to a supervisor. 

The supervisor then said that there was no need to redispute because the claim was so old that they would do nothing. The claim was filed within 30 days of the issue and I have been waiting for Chase and relying on the information they provided. 

Chase has continued to report this fraudulent debt to the credit bureaus affecting my credit score and now they are violating their no hassle dispute policy.
Product: Credit card

Subject : Second Dispute Regarding Charges from XXXX XXXX - {$5200.00} Purchase Made on XX/XX/2023 Dear Synchrony Dispute Resolution Department, I am writing to formally submit a second dispute concerning a charge of {$5200.00} made on XX/XX/2023, in connection with my purchase from XXXX XXXX. My initial dispute has not been adequately resolved, and I am seeking further clarification and resolution regarding this matter. 

In response to my previous communication, I was informed by Synchrony that XXXX XXXX would be contacting me directly to address the issue. However, as of this date, I have received no communication from XXXX XXXX regarding the resolution of my complaint. While I did receive a box of supplies intended for the repair of my adjustable base, no technician has been dispatched to replace the base, and my mattress continues to sag, rendering the product unusable. 

I am requesting that Synchrony provide documented proof that XXXX XXXX has contacted me or has made any legitimate attempt to address this situation, as was previously communicated. Without such proof, I believe that I am entitled to a full refund or appropriate remedy for the defective merchandise under the terms of the cardholder agreement. 

I feel as though I have been deceived in this transaction, and I am not receiving the support expected from Synchrony in resolving this dispute. I kindly request prompt assistance in resolving this matter. If this issue is not addressed to my satisfaction, I may be forced to explore additional remedies, including filing a complaint with relevant consumer protection agencies or pursuing legal action. 

Please acknowledge receipt of this dispute and provide an update on the next steps. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX
Product: Checking or savings account

I am supposed to have my direct deposit from my check today XXXX. I still do not have access to my funds. Only info is a third party vendor is having issues. I would like my money, bc if this was their money missing they would ruin my credit score and fine me.
Product: Credit reporting or other personal consumer reports

about XXXX weeks ago I started working for XXXX and I have to gain access to a gov website CMS.GOV but first I need to authenticate that I am who I say I am. I have called Experian 5 times to authenticate my info even with the information posted on my credit report from their portal at experian.com and they are failing to authenticate me and I dont have any way of fixing the issue since they dont have an escalation department for the issue and they just delegate the responsibility to my company stating they cant authenticate me if the info is wrong. I know the info is correct because is accurate and is the same one on file, is not good that such a big company has such a huge disconnect between customer and a solution since they dont provide any. my email is XXXX, my full name is XXXX XXXX XXXX XXXX and if more info is needed you can reach back to me by email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

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

My XXXX sister and my information has been incorrectly reported on both our credit reports resulting in credit score decreases. I had contacted XXXX  to fix this issue in which is was but only until today when again something of my sisters credit card account from capital one, is being reported delinquent on my credit. I do not even have a credit card through that same company. I closed my account with them last XXXX. My score decreased significantly due to this issue
Product: Credit reporting or other personal consumer reports

I am writing to you with great urgency and concern regarding the fraudulent items that persist on my credit report. I have identified these inaccuracies, and I insist on their immediate removal to protect my financial reputation and well-being. 

The fraudulent items on my credit report are causing significant harm to my financial life. They have negatively impacted my credit score and have made it difficult for me to access loans, credit cards, and other financial services. This situation is not only unjust but also jeopardizes my financial stability. 

I demand the following actions be taken immediately : A thorough and unbiased investigation of the fraudulent items in question. 
Immediate removal of any inaccurate or unverifiable information from my credit report.

A formal, written explanation of the corrections made to my credit report.

I expect this matter to be addressed urgently and professionally. It is my right as a consumer to have an accurate and fair representation of my credit history. Failure to rectify this situation promptly may compel me to take legal action to protect my rights. 

Enclosed with this letter, you will find evidence to support my claim and assist in the investigation. Please acknowledge the receipt of this complaint within 15 days and provide information on the steps being taken to resolve this matter. I am asking for your immediate assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Opened credit card account with Barclay Delaware Bank to use for a Carnival Cruise. Was approved and they stated they mailed a card to my address, however, after a few weeks I never received a card and received an email from them showing a balance on the account. I immediately called them and reported I had not received a card and reported this as fraud, they stated they would investigate and send a new card. I received a new card but chose not to activate it, I received another email with a increased balance on the card. Called them again, stated they were still investigating. I ask them to close the account because I decided I did not want to deal with them and all the issues with the card. They stated they would close the account. I received a letter in the mail stating that the charges were verified to be fraud and I was not responsible for the charges. I assumed the card was closed and all was good. However, they have now reported this to the credit bureaus as I am delinquent on the account. I have contacted them several times to get this resolved but all they tell me is to wait 30 days and they will have it fixed. It never gets fixed. I disputed the credit bureaus and received letters from Barclay then stating it was being reported correctly and would not be taken off my report. I did not make these charges ; I live in Tennessee and these charges are in Indiana. I was going to hire an attorney but was told to contact you first. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to urgently request the removal of fraudulent information from my credit report. Upon reviewing my credit report for the purpose of purchasing a house, I discovered multiple accounts, addresses, and names that are completely unfamiliar to me. This misinformation is damaging my creditworthiness and hindering my ability to secure a mortgage. 

I have identified the fraudulent accounts and addresses as follows : Fraudulent Accounts : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX 4. Account Name : XXXX Account Number : XXXX 5. Account Name : XXXX XXXX  XXXX Account Number : XXXX 6. Account Name : XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Fraudulent Addresses : 1. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 never opened or authorized any of the mentioned accounts, and the addresses listed are entirely unfamiliar to me. This fraudulent information poses a serious threat to my financial well-being and undermines the accuracy of my credit report. 

I kindly request that you investigate and promptly remove all fraudulent accounts, addresses, and associated information from my credit report. The inclusion of these inaccurate and unauthorized entries is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I understand that your duty is to ensure the accuracy and integrity of credit reports. I trust that you will conduct a thorough investigation into this matter and take the necessary steps to rectify the situation. I request that you provide me with written confirmation once the fraudulent information has been removed from my credit report. 

Please treat this matter with the utmost urgency, as it directly impacts my ability to secure a mortgage and engage in other financial transactions. I appreciate your immediate attention to this serious issue and look forward to a prompt resolution. 

Thank you for your assistance in resolving this matter. Should you require any further documentation or information from me, please do not hesitate to contact me at the address provided above. 

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

equifax added a account the was removed back onto my credit fcra violation did not notify me about the account that was removed FTC violaton XXXX XXXX