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

My American Express bluebird card expired on XX/XX/XXXX and I did not inform them of change of address. My fault. Called XX/XX/XXXX to give new address and order replacement card. Was told if I paid {$20.00} they would send by XXXX. Took {$20.00} out and card never came. Called XX/XX/XXXX was told they would send it USPS Called on XXXX they said it was never processed, needed to be validated and they then said they validated it. Called on the XXXX to check and was told it was processed and I would receive it before the XXXX. Never came. Called on XXXX nd they said it needed to be documented. Emailed picture of drivers licence. On XXXX got an email saying they received picture and it was valid wait 24 hrs and would receive it in 7 to 10 days all this time talked to XXXX and XXXX. Lied to and hung up on many times. Would receive email from AMEX many times saying my email address has been updated then recieved email saying it needed to be updated. Called corporate number and got operater who could not help but said she would connect me to USA rep but got XXXX  again Called back said she would guarantee USA. Lied, XXXX again. She gave me Chairman email address. Wrote long complaint and they said they would respond in 4 days. 8 days later got a call from North Carolina number by american who said she was from AMEX. Was estatic only to realize it was scam. I get my Social Security deposit on my Amex card and it has been frozen for a month. Can't pay rent or bills. They have frozen my money then refuse to comunicate with me I've been lied to numerous times by people from XXXX XXXX and AMEX. I'm XXXX yrs old and have never experienced anything like this. They have frozen my money and refuse to talk or comunicate with me. Pleaser help I'm desperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Unfortunately, TransUnion has not responded to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report is as follows : The information indicating a late payment for the accounts XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$280.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$510.00} ). 
are incorrect. I request TransUnion to remove the late payments associated with these accounts. 

The above accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$360.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00}, Original Creditor : XXXX ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), do not belong to me, and I request TransUnion to remove them from my credit report.
Product: Credit card or prepaid card

Around XX/XX/XXXX my son 's debit card from Chase bank was fraudulent use in an ATM machine in the state of Florida. I have a joint account withy son. I personally do n't have ATM or debit card They withdraw {$1500.00} from my son 's account and {$1500.00} from my account in a three different transaction from three ATM in the city of XXXX in Florida and try to withdraw more money in the city of XXXX, but the machine did not allowed. 
After contacting the bank and my son filling an affidavit. the money was restore to our account. 
Around XX/XX/XXXX Chase reverse the transaction and again and the money was withdraw form our account. 
My son went personally to the bank with a letter from his work that stated he never went to Florida and he was in CA all that time. 
Around XX/XX/XXXX the money was deposit in our account .Today XX/XX/XXXX they reverse the transaction and the money was withdraw again. 
We are tired with this Bank procedure, this matter is not resolve THIS WAS A FRAUDULENT TRANSACTION AND THE BANK DOES NOT WANT TO BE RESPONSIBLE I WANT PROOF THAT MY SON OR I DID THIS TRANSACTION.
Product: Credit card or prepaid card

I applied for Barclays XXXX XXXX XXXX and for my first payment through Fund transfer. 
The fund transfer went through fine but they then 2nd day they said the payment was reversed, Unfortunately, this bank did not have a fund verification system in that place to validate if my account was correct. I tried the 2nd time and they did the transfer went through but next day it said payment return I had more XXXX money in bank account so there is no issue of no funds, I am not sure if i mistyped or not because the numbers were blanked out and they did not have a system to a verification. Both the times {$39.00} were charged as return payment fee. When I asked why this was charged and how this could be my mistake when the payment went through both times but charged against me. and they did not even respond to my request online and when I called the agent and her supervisor they were rude to me and was using disrespectful words such as you don't have money u dont pay and stuff. 

Finally, I used a different bank to pay and the payment went through. 

I asked three things a ) why they did not have a bank check option and send a paper statement b ) Why they did not have a payment verification system ( sending 2 small amounts to verify ) c ) Why did they not account show the number after payment was made With all these faults, they still blame me for and charge the {$78.00} as fees.
Product: Debt collection

I paid off my debt for the card ending in XXXX and XXXX
Product: Credit reporting

This is a account that continues to report negatively to my credit that is not mine. It lists me as a authorized user, but stopped reporting XX/XX/2015. The company agreed to remove this from my credit report since it was not mine debt and sent me this in writing and verbal agreement via phone - but XXXX days later it still appears. Equifax is not updating their report or the company did not due as they are required. It is also reporting a late, which is not mine, which is negatively affecting my credit score, and ability to obtain new credit and qualify for a mortgage.
Product: Debt collection

I am doing the best that I can to pay off this rather small balance to a collection company. Their notes are usually very business liek until the one I received yesterday. Below is a brief section from the note that True Accord in XXXX XXXX sent to me on XXXX/XXXX/16 : " Enough delay. It 's time to pay what you owe. 

Let 's be clear : you have an obligation of {$350.00}. We 've given you many chances to work with us. 

But instead, you 've waited a long time to deal with this. Now, it 's time to fulfill your responsibilities like the adult that you are. '' This note is offensive. I admit the debt but I did not sign up for insults about my maturity or adulthood. This debt has nothing to do with either one. 

Thank you. 
XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Hi, I settled the payment for my mattress early but supposedly there was no penalty for paying it before, after paying it I did not use the application again and a week ago I had a hit on my credit score for late payment, when I check it is because the company charged me a fee of XXXX dollars that I have no idea what it is and that affected my credit
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Checking account balance sheet on banks internet site reflects a balance that ( auto adjusts ) after any transaction is executed and reflects the new balance after the transaction has been effected. The remaining balance reflects funds available to use. Members rely on the shown remaining balance to track further, additional or future transactions. Many transactions could be executed as a member pays bills in one session. Each time the remaining balance available auto adjusts to reflect remaining balance available for use. My payment to the CA DMV ( California Department of motor vehicles ) affected on or about XX/XX/2020 -- was initiated for an amount of {$230.00}. My account reflected the lowest available balance of XXXX. The e-Check I wrote to the CA DMV was for {$230.00}. The CA DMV issued a ( real time ) receipt of payment for {$230.00} by e mail that the payment was received. I received vehicle registration stickers via USPS. On or about two weeks later I received a DEMAND FOR PAYMENT letter from the CA DMV with additional penalty fees and NSF fees. I was also charged NSF fee from the USAA bank. I was ordered by the CA DMV to send only a cashiers check which I had to purchase for and additional fee of {$2.00} plus NSF fee and penalties which raised my DEAMAND DUE FEE to {$350.00}. ( Receipt for this USPS check is retained in my possession ) In communicating with the CA DMV the history of my complaint that the USAA Fed Bank was in error I was directed by them that in order to have the additional fees reversed and returned to me I would have to have the bank write a letter of explanation the error is on their behalf. I called USAA < I was routed to a resolution specialist who patiently listened then told me she would submit by complaint for review I asked for expected time of resolution and the resolution specialist was not able to report a definitive time. I believe that I am not the only USAA Member to receive third party penalties and third party NSF fees as well as NSF fees charged by USAA due to the design of the checking account register that reflects available balance and in good faith members write checks against this balance. I filed a complaint with two different federal banking agencies in addition to time on the telephone with the CA DMV and USAA personnel in attempts to resolve this issue again shared by the family of USAA members. my total time involve at this point is approx. ten hours. My last hourly wage was {$72.00} an hour plus benefits. Only because of repetitive exacerbation with difficulty navigating the ( recently ) re written USAA web I am aware that unless I stand up for my self no one else will. Many seniors with lessor computer skills and or patience or awareness that banks are banking on profits gained by people not taking initiative to file complaints. I believe a deep and serious federal audit is due. I can not be an isolated case. As of this writing USAA has not come forward with any explanation that I might be able to forward to the CA DMV so I may have NSF fees and penalties reversed.
Product: Prepaid card

This is prepaid card. I use it to avoid overdrafts and fees and no longer use checking accounts to prevent overdraft issues.I checked my statement on XXXX and had an available balance of XXXX I went to ATM to get cash to pay bills. Today I check to see my balance and it is XXXX overlimit. I immediately called customer service who informed me that " pending transactions/holds '' were released because the merchant did n't submit the charge and that was why I had an available balance, but today they resubmitted the charge. I asked why they " paid '' this transaction knowing I did n't have the money and causing an overdraft and overlimit o XXXX on my account. My understanding with my previous account was that if I did not " opt in '' to approve charges to be paid and cause my account to be negative they could n't go through or be paid. It is the whole reason why I chose a prepaid debit card, you can only use what you have available and other transactions will not go through because you do n't have the funds. But this place decided against me and paid the vendor. I would have dealt with the bill not being paid if it did n't go through and never asked them topay this to overdraft my account. They old me they paid it because I owed the company money who put the charge through, that is not their decision to make. I have ever heard of a debit card especially a prepaid debit card company saying " you owed the company on this bill, so we paid it '' many times I did n't have money available in my account and never id a credit card, bank card tell me they paid the bill cause I owed it no matter if it overdrafted my account. They abused their authority and neglected mine by allowing my account to overdraft for XXXX.
Product: Credit reporting or other personal consumer reports

I did not report that the card was not mines and inaccuracy on this card ending in XXXX. I paid this card off in full. Was told by XXXX  to call the credit come to remove the hold that is stopping them for re activing this card of 9 years of credit. Please correct this matter I want my XXXX credit card back. Thanks
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX RE XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

Fraudulent accounts. Opened without my knowledge, consent or authority.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
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? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & 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.

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 have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
CHAPTER XXXX BANKRUPTCY Account Number : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


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


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX, XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Explained to company going through divorce and did not have enough money to pay remaing XXXX dollars and asked if company could pick up vehicle XX/XX/2018 instead company has repeatedly called my employer when asked to stop because my job uses phones and can not have lines tied up all day with creditor
Product: Checking or savings account

I have previously filed this case. I uploaded some screenshots of with the accounts that Wells Fargo was pulling from my bank account for. They said I authorized these but they will not tell me what service or good I received for all this money they took out of my account up until XXXX of XXXX. XXXX XXXX XXXX XXXXXXXX XXXX said that I authorized deductions coming out of my savings account in XXXX. They have been deducting XXXX to {$500.00} a month out of my account which I did not discover until XXXX of XXXX. The bank helped me try to recover these funds but doesn't want to deal with it anymore because the credit card company saying that I authorized these debits. I asked them to give me proof of what I authorized what service or goods I got for it. But the bank just wants to give up and not help me get that and I don't know how to get help directly with XXXX XXXX XXXX XXXX because when I give them the last five digits of the accounts that they've been pulling the money for, XXXX XXXX tells me they have no record of my account. So this added up to somewhere near {$15000.00} they had taken over the years and I would like to recover these funds since I got nothing for them. XXXX  XXXX XXXX contact person who has been dealing with XXXX XXXX and Wells Fargo concerning this issue, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A synopsis of the important information contained in the screenshot attachments : Wells Fargo Bank XXXX ACH department phone XXXX. XXXX XXXX electronic remittance program XXXX it will received with XXXX / XXXX XXXX XXXX card number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX set up date XX/XX/XXXX to XX/XX/XXXX suspended XXXX XXXX card number XXXX XXXX active XX/XX/XXXX Sent to Wells Fargo by my bank XXXX Asking what vendor proof of what service are good I received for debits to my account. Asking for return all items as XXXX For reference : my bank sent this request to Wells Fargo : for the reference number Wells Fargo provided on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Above was sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want my money return to my account they should not get away with just saying that they canceled out my account and that I should just go away and not expect them to return or tell me what I got for the money they took out of my account. 

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

On XX/XX/XXXX or XXXX I received an email stating that my phone number was changed or updated on my Money lion XXXX XXXX XXXXXXXX XXXX account I immediately called to see why I was I receive that email due to I havent made any changes or changed my phone number. I wasnt able to update my number back to my actual number for 24hrs due to that the fraudster had full access to my account an defraud me out of money an also initiated a transfer to their XXXX XXXX account. As of today XX/XX/XXXX I still have no access to the account a the provision credit that was finally given after 30+ days which is totally unacceptable. Its one thing to have your account taken over by someone a steal your money but to not be able to utilize your own account after XXXX days an no access to your money is absolutely insane.
Product: Debt collection

I am a victim of identity theft and have been since 2020. 

I was recently made aware of a letter from a collection agency, I C System, which was sent to my parent 's address ( an address at which I have never been a permanent resident ). The collection notice was for an account opened by XXXX XXXX in my name. I did not create the debt and am not responsible for it. I am disputing its validity with XXXX and with I C System. I have filed a police report with my local police department.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : US BANKRUTCY- XXXX To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX XXXX XXXX XXXX XXXX XXXX 
Appalled by that information, I went directly to ( XXXX XXXX BXXXX XXXX  ) and in response to my inquiry they claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. 
I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 
I have enclosed letters FROM BOTH XXXX XXXX XXXX for your inspection. Please DELETE this item from my credit report as it is NOT verified! 
The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 
Please send me an updated copy of my report once the bankruptcy is DELETED.
Product: Credit reporting or other personal consumer reports

This complaint is related to a previous complaint I filed with CFPB ( complaint # XXXX ) in XX/XX/year> and XXXX XXXX XXXXXXXX and its collection agency XXXXXXXX XXXX  XXXX has still not resolved the issue. 

According to an agreement between me and XXXX  XXXX XXXX my outstanding balance was reduced to {$54000.00} and I was obligated to pay it back on a set schedule. I have been making payments as of XX/XX/year> but XXXX  XXXX XXXX has neither notified the credit bureaus of the reduction in outstanding debt nor reported my monthly payments. This has caused a severe drop in my FICO score and made it impossible to secure a loan from anywhere including XXXX XXXX for myself or for my company. 

Attached are the documents that I previously received from XXXX  XXXX XXXX to my last CFPB compliant recently and is a letter that I sent to XXXX  XXXX XXXX today. I have been unable to reach their agents, XXXXXXXX XXXX XXXXXXXX.