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

I opened my bank account about a month ago, but unfortunately, my debit card got lost in the mail. After waiting for XXXX days, I called the bank to request a replacement card to be sent to my new address. Meanwhile, as I needed to purchase furniture for my recent move, I attempted to use a friend 's bank account to send them money, planning to use their debit card temporarily. However, I encountered a limit on the amount I could send, which the bank informed me couldn't be changed. So, I split the payments to stay within the limit. Later, I had an issue where XXXX of the payments didn't go through, prompting me to contact the bank again. They opened a ticket, but the issue resolved itself later that day. Recently, when trying to make a purchase using XXXX XXXX, I found that my bank account was frozen. Despite speaking to customer service for XXXX days, the issue remains unresolved, causing me significant inconvenience, especially during my move.
Product: Credit reporting

I talked with this company directly about 2-3years ago and paid this debt in full. I think that maybe they did n't report it. I have had problems with this company before. ... .didnt know i had an unpaid balance with them because it was a payroll deduction. ... either way I settled this debt!!!!
Product: Credit card or prepaid card

I received an email from XXXX XXXX notifying me of a credit change. An account was opened with Citicard on XX/XX/2022. It shows a balance of over 2,000 that I have no knowledge of it. I was giving birth to my daughter born XXXX XXXX. I did not apply for any credit card, I have not authorized a credit check to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Service Bureau is reporting a fraud account on my credit in the amount of {$1600.00}. This is not my account and is the result of identity theft. This is a violation of the Fair Credit Reporting Act and needs to be removed from my credit immediately. This is also a medical bill and a violation of HIPPA. This needs to be removed immediately before I take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I contact ( online ) XXXX  ( frozen ), XXXX ( frozen ) and Experian to freeze my credit report. Experion declined my request without an explanation. Stating I would be required to send all source documents by regular mail. I have always paid on time, paid in full and closed all accounts - except for two recent credit cards. My FICA score is XXXX. I dispute two areas on my report - spouse and address! All loans and contracts co-signed or co-owned with ex-wife ( divorced XX/XX/XXXX ) were paid on time, paid in full and closed! Why does her poor credit history still negatively affect my credit report after seven years? I was the sole owner of XXXX XXXX XXXX XXXX, NY. Which I sold XX/XX/XXXX. Mortgage was paid on time, paid in full and closed. I moved toXXXX XXXX XXXX XXXX XXXX XXXX, NY. The home is a residential three story home, on seven acres of hardwood swamp ( not a gymnasium or commercial property ) The home is paid in full, with a clear/clean deed, recorded with XXXX County Dept of Records, NY. Property is solely-owned by a XXXX XXXX. Previous Owners must have filed for bankruptcy? I have never known or meet previous owners! What does thier past financial history have to do with my credit report? Why is it easy for Creditors to report/record false data on my credit report - and so hard for the debtor to correct/remove erroneous information? The Consumer Financial Protection Bureau is the only agency standing up for all the disenfranchised! I thank the CFPB reguardless of the outcome involving this dispute. Note : I viewed my credit report with Experian.
Product: Credit reporting or other personal consumer reports

4 months ago, I sent a dispute letter to XXXX XXXX and the credit reporting agencies challenging an inaccurate account on my credit report. XXXX XXXX is the alleged original creditor of the account that seems to be paid off. I don't recall having an account with your company. Furthermore, there was never correspondence sent to me informing me of the alleged debt or that the account was being sold. You are in violation of the FCRA for furnishing incorrect information. You are reporting XXXX different collection agencies to each bureau. The collection agency being reported to Equifax is XXXX. How is this even possible? Please see the attached dispute letter, which is dated, and time stamped as well as the inaccurate credit report. If this account is not removed within 7 business days, I will be seeking compensation and suing in small claims court due to negligence and violation of consumer laws.
Product: Credit reporting or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

I understand that you probably are getting thousands of this type of letter every day and may find it hard or impossible to work on them all. So, I am giving you another chance to do what is right. You are in VIOLATION of my rights as a consumer as clearly stated in Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), that you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. And so, I request to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$6000.00} XXXXXX/XX/XXXXXXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XX/XX/XXXX| XX/XX/XXXX N/A Inquiry {$0.00} XXXX XX/XX/XXXX | XX/XX/XXXX N/A Inquiry {$0.00} XXXX XXXX | XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX and XXXX XXXX XXXX, Syncrony is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, XXXX XXXX XXXX and Sycrony Bank the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and Sycrony Bank whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX, XXXX XXXX XXXX and Sycrony Bank Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted complaint against Equifax handling of this readded fraudulent item on my report called XXXX XXXX/originally XXXX as an ordinary dispute process, when it should have been deleted. I will be seeking legal representation in this matter, because this particular bureau is completely handling fraudulent items in a manner of unimportance and it is not right at all. This same item was listed on all three bureaus, which they have deleted readded item except for Equifax. I am having to have this displayed on my report when it is not mine. I have provided letter from XXXX stating it is not my account and this item still shows on my report today!
Product: Credit reporting

Transunion has reported me as deceased to businesses who are considering giving me credit. This has been a problem for years. I did everything they required ; Social security forms, statements from social security administration, yet the problem continues. I believe someone is giving them the incorrect information, as I do n't have this problem with the other credit bureaus.
Product: Credit card or prepaid card

I received an account update that my account was late. The account wasnt late, the payment went to another credit card. I received two late fee for the one late payment.
Product: Credit card

Kindly examine the attached documents and initiate an inquiry into accounts reporting me as late, despite my timely payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$420.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX  is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility This account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

I have tried several times to talk with American Adjustment Bureau about charges from XXXX Hospital. These are NOT my debts. Now I looked at my credit reports and see I have charges from XXXX XXXX Hospital too. These are NOT my debts. These belong to a person with the same name as me. They removed them from my credit report but they have reappeared. I do NOT no what else to do. XXXX Hospital and XXXX XXXX, anything to do with XXXX XXXX are not MY debts. I want them removed from all 3 of my credit reports. I am going to continue my search on where to report this company.
Product: Credit reporting or other personal consumer reports

These inquires that are on my credit report are due to identity theft and are not initiated by me. 

XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed dispute asking company to produce contract or any information showing I signed up with their company. No evidence produced. 

I am asking Experian and XXXX to provide description of how they verified accounts.
Product: Money transfer, virtual currency, or money service

Stolen monies. Numerous fake payments, and unauthorized transactions, via cash app, via atm
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have contacted chime about fraud charges on my account. For example : I filed a claim at XXXX and by XXXX the claim is denied. They are Not fully investigating these charges to replace customers money. I have went over all transactions with my XXXX to validate what was mine and what was fraud. I had theft as well as identity fraud and I have reported it to them and they still refuse to fully investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX Account Number : XXXX {$48.00} balance - open date XX/XX/XXXX Grain Technology Account Number : XXXX {$300.00} balance- open XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$1000.00} balance Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$1200.00} balance Open date XX/XX/XXXX AFFIRM XXXX account number XXXX balance {$540.00} open date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX 336 Dayton, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX Employ XX/XX/XXXX
Product: Credit card or prepaid card

This regards two purchases made from XXXX on an XXXX XXXX credit card. The card advertises a points-based reward program, but twice I have tried to use accumulated points toward purchases at XXXX, and I have receipts from XXXX that show the points were supposedly applied and my balances reduced, but when the XXXX XXXX credit card statement arrived, both orders were charged full price. 

One purchase was made XX/XX/XXXX. The original price was {$19.00}, but after rewards points, it should have been {$18.00}. My credit card was charged the full {$19.00}. ( I have an XXXX receipt showing that my total should have been {$18.00}. ) The second purchase was made XX/XX/XXXX. The original price was {$10.00} plus XXXX cents tax, for a total of {$11.00}. I also had a separate rebate of {$5.00}, bringing the total down to {$6.00}. Then I applied enough points to cover the entire transaction, so I shouldn't have been charged anything, but my credit card was charged {$6.00}. ( I have an XXXX receipt showing that I owed nothing. ) I called XXXX to resolve the issue, and XXXX blamed XXXX XXXX. I then called XXXX XXXX, and the customer service representative acknowledged that this is a recurring problem but said she could do nothing to resolve it. I asked to speak to a supervisor, who said that XXXX had evidently reversed the points after the transaction. ( The orders were not returned, so I'm stuck with the full pre-points balance, and no one can resolve it. Both sides are blaming the other side. ) I got this card because of the rewards program, but for reasons that no one can explain, I can not use the reward points. This smells like fraud to me.
Product: Credit reporting or other personal consumer reports

Late payments XXXX XXXX Account number Date opened XXXX. XXXX, XXXX Late payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) XXXX a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated and removed. Immediately 15 usc 1681a 2 a ( i ) 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Per 15 USC 1666 ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The following accounts have been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report..
Product: Credit reporting or other personal consumer reports

A judgment was mistakenly placed on my credit report. I have been disputing this with the credit bureaus since it appeared on my reports. I have even filed complaints with XXXX, FTC with no resolution. My attorney has even reached out to resolve this matter to no avail.
Product: Checking or savings account

I have a checking account with Wells Fargo, I woke up today XXXX the XXXX to check my account and noticed that I had a negative balance of - {$39.00}. Wells Fargo has also emailed me about this. I had money in my account but it turns out they did a credit provisional reversal on my account. I do not understand why. I had enough funds in my account and have never gone below {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inaccurate information on my report. Please delete and update my credit report
Product: Credit reporting or other personal consumer reports

After review of my credit report, attached for evidence, there are accounts that are reporting closed accounts. For instance, XXXX account ending in XXXX and XXXX. Additionally, XXXX account XXXX, is showing two separate reporting with different balances which is inaccurate. Seems to be XXXX and the credit bureaus are reporting inaccurate information which also violates consumer rights. XXXX is also reporting closed whereas the consumer has not been given the 1099-c federally required form of debt cancellation. US DEPT OF ED/XXXX account number XXXX is also reporting closed and also showing duplicate, more than once reported on the same account. XXXX XXXX XXXX account number XXXX is also reporting closed. I am demanding these accounts mentioned be deleted. XXXX, XXXX, US Dept of Ed, XXXX XXXX XXXX as well as the credit bureaus are violating my consumer rights by reporting closed accounts and inaccurate information. 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet, XXXX is reporting this information. The reporting of excluded information pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX  compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency.
Product: Debt collection

We continue to get telephone calls to our home number from PROFESSIONAL CREDIT SERVICE at XXXX. We have perfect credit and do not owe anyone, We hang up as this is so annoying! We are elderly and someone is trying to take advantage of us and our age and financial status.