23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call from someone stating that I owed Providian XXXXXXXX XXXX  and they would like to collect. I knew it had to be a scam because I haven't had a Providian account in over 20 years. I recently bought a house with a FHA loan and there is no way I could have gotten approved with that bad debt. I told the gentleman that he had the wrong information and that my account with Providian was never that high years ago. A few weeks later the collection showed up on my XXXX XXXX report only. I disputed the collection by internet and by phone and both times XXXX XXXX said the debt was valid and it will stay on my credit. No other bureaus or XXXX XXXX has shown a Providian account on my credit good or bad in the last 20 years so how can I prove it's not valid when they say that it is. I am requesting help to have it removed immediately and fine them according to the rules.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Upon recent review of my credit reports I noticed unauthorized accounts and inquiries that I have no knowledge of. The inaccurate information is listed below : Never before used address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  account reporting on all 3 credit reports, account opened XX/XX/XXXX. 

Hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

company is a consumer reporting agency bur refuses to put a security freeze on my record held by their company, sighting they are not obligated to do so.
Product: Credit card or prepaid card

The current issue is causing me significant XXXX  and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account was paid off. I checked my credit 6 months later XX/XX/XXXX and it was still on my credit as balance due. It does say {$0.00} past due but also reflects a balance of {$710.00}. This amount was satisfied inXX/XX/2022. I did have correspondence with them and they acknowledged that it would be removed. However today XX/XX/XXXX the balance still reflects {$710.00} on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on credit account from XXXX XXXX XXXX XXXX. I never shopped a car from this company or ever looked from financing from this company. 

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions.
Product: Credit card or prepaid card

On six occasions, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX, I submitted ALL pertaining documents and information to be able to transfer funds from Direct Express by Comerica Bank card account to my personal bank account. 
The times I contacted Direct Express customer service I was notified that my requests for ID verification and transfer attempts or requests were summarily denied. No valid reason or explanation were given. 
Direct Express continued contract breach and discriminatory profiling and practices violate altogether consumer laws and fiduciary duties and responsibilities towards me, a consumer and a beneficiary of XXXX compensation.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed fraudulent account on my report I don't know what XXXX XXXX XXXX  is, this fraudulent account need to be remove from my report because it's hurting my personal finance.
Product: Credit reporting or other personal consumer reports

am a victim of idenity theft, my information was exposed due to a data breach from XXXX, please remove these fraudulent transactions and credit card accounts from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. please remove the following inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please remove inquires and all fraudulent accounts from my report. PLEASE REMOVE THE FOLLIWNG ADDRESSESXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX
Product: Mortgage

To Begin, On XXXX, XXXX XXXX XXXX filed a NOD, notice to foreclosure, than SLS became mortgagee as of XXXX/XXXX/XXXX, or a few days later on our property at XXXX XXXX XXXX XXXX Ca, XXXX, for over {$43000.00} and forced us me and my wife ( XXXX And XXXX XXXX ) into a chapter XXXX Bankruptcy filing date was XXXX/XXXX/XXXX case number XXXX, we paid the trustee and SLS ( specialized Loan Servicing ), we paid every month on time, while in payment plan SLS, records a notice of rescission, we ( XXXX and XXXX ) have a proof of claim recorded for {$6200.00}, SLS was called by XXXX, SLS indicated months we were behind after notice of rescission *, we then paid SLS, both payments, the mortgage payments and the {$6200.00} in the payment plan, at discharge all payments were made to SLS for regular mortgage payments and {$6200.00}. 
Now case is discharged see attachments, we receive latter dated ( XXXX XXXX, XXXX ) stating we owe {$42000.00}. Our account is current, as XXXX/XXXX/XXXX we have been getting statements from SLS that indicates our balance, the last statement we received on XXXX/XXXX/XXXX indicates our XXXX payment is {$2800.00}. When we received this letter this past Saturday ( XXXX XXXX ). Imagine how we felt when reading this letter, knowing it is totally wrong and inaccurate. 
As Mentioned above, this has happened to us in the past with XXXX and SLS, going back to XXXX. In XXXX XXXX, filed an NOD [ notice of default ] indicating we owed over {$40000.00} in past due amounts, and we had to file for Chapter XXXX Bankruptcy to save our house, when we never owed that amount. We were in BK for years, and were discharged early this year. We have NEVER EVER MISSED A PAYMENT, and so here we are again with a letter threatening to " Default Notice and of Intent to Foreclose '' and stating we owe {$42000.00} when we clearly received a statement stating our XXXX XXXX payment is XXXX. What is the problem, it 's like someone or something is not communicating within SLS this company is frustrating, the holiday season here we just want to live in peace in our home and not receive letters indicating Default Notice and of Intent to Foreclose, when we are current with our payments, especially when we just received a statement indicating we are current? 
A different issue with SLS, is charging a late fee of {$100.00} for XXXX XXXX payment, the payment is due on the XXXX of the month with a grace period to the XXXX of the month, if the XXXX is on a non-banking day payment is due the next banking day which was XXXX/XXXX/XXXX, the date of payment. 

XXXX XXXX did not agree to the amount, but a POC was filed for {$6200.00}
Product: Money transfer, virtual currency, or money service

I am writing to express my dissatisfaction with the services provided by Kraken Wallet, specifically in relation to the withholding of my funds and the lack of responsiveness from your customer support team. 
On XX/XX/2023, I initiated a transaction involving kraken wallet to withdraw my funds. However, to my dismay, my funds have been withheld without any clear explanation or communication from Kraken. Despite my attempts to seek assistance through your customer support channels, I have encountered a concerning lack of responsiveness, exacerbating the frustration and inconvenience caused by the unresolved issue. 
I believe this situation not only violates the terms of service agreed upon but also raises concerns about compliance with consumer protection laws. In particular, the Consumer Protection Act, Electronic Funds Transfer Act ], which outline the rights and protections afforded to consumers in digital financial transactions.
Product: Credit reporting or other personal consumer reports

Equifax is inaccurately reporting my closed accounts, which were settled and paid, as open with a balance of 100 % remaining. This error has resulted in a XXXX drop in my credit score. I am extremely frustrated with the persistent inaccuracies and lack of resolution from your company. Under the Fair Credit Reporting Act, I demand that these accounts be removed entirely, as the law allows for the deletion of inaccurate information. This is the last time I intend to address this issue, and I expect immediate correction.
Product: Prepaid card

I received an American Express gift card on XX/XX/. I have tried to use the card to make purchase online and was declined everywhere. The call to the company was not helpful because it was hard to find a real person to talk. I want to find a way to use the gift card. It is certainly not as easy as what they describe on their website. Very disappointed with AMEX.
Product: Credit reporting or other personal consumer reports

Unauthorize hard inquiries -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I mailed 2 separate checks to 2 Chase credit cards on XX/XX/year> with about 10 other payments. By XX/XX/year>, one day before the payments were due, I noticed the 2 checks to 2 separate Chase credit cards had not cleared when every other check I had mailed did clear. I phoned Chase for an explanation. The agent at Chase suggested I put a stop payment on the checks and make a phone payment given that the payments were due the following day. I phoned my bank, XXXX and put a stop payment on both checks then 24 hours later I made a phone payment to both Chase credit card bills. 40 days later on XX/XX/year> both checks clear when I had put a stop payment on the check and was told that someone at Chase converted them into an electronic form ( an ACH ). The checks were for a high amount as I was paying off the cards. One was for XXXX and the other was for XXXX. The mysterious XX/XX/XXXX payments created a balance credit for both accounts. I phoned Chase and escalated the matter only to be told a reversal would be initiated and would take 7 business days. Chase had no concern about the fact that some employee obviously held the high payment checks and then processed them 40 days later. I believe my account with Chase has been compromised and attempted fraud has been committed. I want an investigation into the matter. I want to see if the actual check has any signs of alteration. I want my money back as soon as possible and I want Chase bank to be fined for negligence on attempted fraud.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Product: Credit card or prepaid card

XX/XX/XXXX Ref : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Exp. XX/XX/XXXX To whom it may concern. 

I traded in my XXXX old XXXX XXXX, and I have attached emails from XXXX regarding the trade-in, which offer complete confirmation. 
Attachment # XXXX Upon receiving emails from XXXX that confirm the trade-in, I proceeded to cancel the XXXX coverage with Theft and Loss Protection for all XXXX XXXX  XXXX. Subsequently, I obtained refunds for these cancellations from XXXX. Please refer to the attached emails from XXXX for verification. 
Attachment # XXXX Nevertheless, Goldman Sachs credit card has been consistently imposing unreasonable charges on me since the cancellation of the XXXX insurances. These charges have been recurring on a monthly basis. Kindly review the provided statements for further clarification. 
Attachment # XXXX I initiated disputes and submitted all relevant emails as evidence to Goldman Sachs through both their chat service and certified mail to their headquarters. While they initially issued credits, they have persistently continued to levy charges for the canceled XXXX insurances in a recurring manner. Please refer to our chat history and the proof of service documents for verification. 
Attachment # XXXX and # XXXX Please help me halt the unauthorized charges for all XXXX of my cancelled insurances. During my recent interaction, I devoted around XXXX and a half hours to a chat session with Goldman Sachs. Unfortunately, I was repeatedly transferred between representatives, and each time, I had to reiterate the entire situation. Despite my persistent efforts, no headway has been achieved. This situation feels like a form of teasing and unjust treatment. Regrettably, I find myself incapable of attaining justice independently, and I am earnestly hopeful that your Bureau can undertake an investigation. I extend my gratitude in advance for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 



TD BANK NA XXXX
Product: Credit reporting or other personal consumer reports

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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
Product: Debt collection

I have tried to dispute. Never received debt verification. Do they have the legal right to collect on the debt? Proof of who owns the debt? Documentation and contracts showing debt was sold from whom to whom? Statute of limitations on the debt? Accuracy of the debt?
Product: Credit card

A fraudulent account was opened on an US Bank credit card using my personal information. 

XX/XX/XXXX account was opened XXXX lender checked my credit report XX/XX/XXXX US Bank raised the credit limit on the account to XXXX XX/XX/XXXX charges of {$8600.00} were placed on the card. 

I received a letter from US Bank on XX/XX/XXXX letting me know an account was opened in my name and they were concerned about the accuracy of the info. 

I called US Bank on XX/XX/XXXX and put a fraud alert on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each creditor and consumer reporting agency in regards to the accounts listed below. and quoted the same FCRA subsection. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX, XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card or prepaid card

I had an account with Synchrony thru Guitar Center I regret getting an account thru them, although synchrony changed their name from GE Capital, there's still really just the same with their costomer service lousy. I've had them call me daily like 2 or 3 times to bug me about updating my financials, so I stoped answering, and lookout for letters in the mail, well " XXXX Synchrony '' didn't manage to update my Address information, so they sent the letters to my old address, and they canceled my card due to inactivity, without notifying me, and I talk to a representative named XXXX at XXXXXXXX XXXX XX/XX/22, and she can't do anything. in my opinion you think with how bad GE Capital is ( Synchrony ) the government would close them down, or XXXX XXXX XXXX ( break them up into smaller companies, like they did to XXXX XXXX XXXX in the 80 's ), I personally would not own a card thru synchrony, so no XXXX card they partner up with synchrony. After all you after to be really bad for XXXX credit cards to switch from synchrony to XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 These companies has inquired about my credit on my credit report without my request to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States 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 a account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) Section States : 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 antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting 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

I noticed an account on my report that I did not open. I disputed it with Equifax once last year and again this year XX/XX/2021. They replied that they have investigated the account and it still remained, but with less information than before. Let me be clear, this is not my account. I am a victim of identity theft, and my police report is attached. I have contacted both the company listed and the Equifax, and neither have taken the steps to correct the issue.
Product: Checking or savings account

I have been with Wells Fargo for 12 years over the years I was charged a few overdraft charges and tried disputing them but wasnt able to get them reversed