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

I filed a dispute for Unauthorized Transactions # XXXX I had card # XXXX however that card was stolen. The reason I had to file the dispute in the amount of {$730.00}. I have another card ending in # XXXX. 

My provisional credit was granted on XX/XX/2020 per letter from Direct Express in the amount of {$730.00}. 

AS of today XX/XX/2020 : The provisional credit has NOT yet posted to my card ending in # XXXX. I have tried to contact Direct Express to NO AVAIL. I'm currently on hold going on 50 mins NO ONE is answering to assist me. Per the letter from Direct Express dated on XX/XX/2020 : I suppose to have FULL ACCESS TO THE FUNDS! FULL ACCESS TO THE PROVISIONAL CREDIT OF {$730.00}. 

However, the Provisional Credit has NOT yet posted to my card ending in # XXXX. I DO NOT HAVE card ending in # XXXX anymore. # XXXX was stolen from me this is why I had to file the dispute. 

REMEDY : I WOULD LIKE MY provisional credit posted to my card account ending in # XXXX. Per the Direct Express letter dated XX/XX/2020 I suppose to have access to the Provisional Credit in the amount of {$730.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I accidently made an electronic bill pay payment in the amount of {$1200.00} to AMERICAN EXPRESS instead of XXXX XXXX XXXX. The {$1200.00} is my 6 month payment for auto insurance. I caught my mistake on XX/XX/XXXX the day it posted and cleared my bank account. I called AMERICAN EXPRESS right away and explained what I did and they told me that I needed to call XXXX XXXX because XXXX took over the old XXXX AMERICAN EXPRESS accounts. I called XXXX and they told me that the payment I made went to AMERICAN EXPRESS and that XXXX does not have access to AMERICAN EXPRESS bank accounts. I called AMERICAN EXPRESS back and finally got ahold of a customer service person ( XXXX ) who told me that as of XX/XX/XXXX any payments made to the old AMERICAN EXPRESS accounts would be reversed and sent back to the customer within 3 to 5 days. On XX/XX/XXXX I had not received my credit balance payment back from AMERICAN EXPRESS and called them back ( it had been 10 days ). I was again told I needed to call XXXX. 
I went to my bank and turned my problem over to them and they got me on a 3 way call with AMERICAN EXPRESS and we could not get AMERICAN EXPRESS to help us ( me ). My bank did get a fax number and faxed over proof that payment was made to AMERICAN EXPRESS and that they needed to send the {$1200.00} credit payment back to me a.s.a.p. During the 3 way call, my bank asked to speak to the supervisor of the bill payment center and we could never get a supervisor to ever come on the phone. The last correspondence was with a supposedly supervisor who said we had a bad connection and hung up on us. I told the back that we would give it a couple of days to see if we could get a response back from AMERICAN EXPRESS. 5 more days have passed and I have not heard back from AMERICAN EXPRESS or my bank. 

It has been 18 days since making the accidental payment and I can not get AMERICAN EXPRESS to open an investigation and send my payment back. When I use the automated system for AMERICAN EXPRESS it states that I made a payment for {$1200.00} on XX/XX/XXXX with XXXX balance due. Yet, when I talk to a " live '' person they say they can not see my account? Once AMERICAN EXPRESS sees that I made payment to their bank on a closed account and they do not have anywhere to post it, it should be clear to them that the money needs to come back to me. 


I need HELP getting this cleared up with AMERICAN EXPRESS. 


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

I have tried to cash checks on different times and different amounts from my insurance company and my payroll at different stores I have tried to open a bank account and was denied these services due to certegy reporting to the vendors and this has impacted my financial business and getting a bank account and a checking account.I have spoken with certegy on a number of times and been told the same story the check did not meet their criteria for cashing which is not true different insurance companies different amounts and a different vendor and they at certegy denied each check but the letter I received from certegy had nothing outstanding on it record this has impacted my financial business.I have explained Im in a bankruptcy and they were notified and they need to fix what ever they have in their system theirs nothing there they claim.But yet they keep denying my checks.please help
Product: Credit reporting or other personal consumer reports

I am sending this complaint to inform you that I am a victim of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. I believe that I have been a victim of identity theft. 
I kindly request that you remove the inaccuracies resulting from this identity theft from my credit report. I appreciate your cooperation and understanding in this matter and trust that you will handle this case expeditiously in compliance with the law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company did not remove felony identity theft markings of stolen credits cards or whatever from my credit report.
Product: Mortgage

Unauthorized/unnecessary credit pull : I received a notification from PNC in XX/XX/2021 that they pulled my XXXX credit report on XX/XX/2021 and subsequently denied my loan application due to the application being incomplete. First, I did not authorize the credit pull on XX/XX/2021. Second, if PNC was going to deny my application due to the application being incomplete, this credit pull was unnecessary. This hard inquiry had an adverse impact on my credit score and will increase the interest rate charged ( and therefore cost of the loan ) when opening a new credit/loan product. I am also concerned with what the information is being used for, why it was collected, and where it is being stored considering PNC was not planning on closing on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Goldman Sachs is reporting inaccurate, fraudulent information to the credit reporting agency causing harm and damages to myself. I cant get a hold of the department of the company that could resolve my claim. A supervisor name XXXX gave me a Case number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX
Product: Debt collection

Constantly texting my phone about a debt that is not mine, reported on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and was excited to start working on building my credit. After checking my credit report, I am confused why there is a derogatory mark on my credit history and 9 hard inquiries. I have never in my life applied for credit. The fraudulent account is XXXX XXXX XXXX with the amount of {$140.00}. AND THE NINE HARD INQUIRES ARE, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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, credit repair services, or other personal consumer reports

Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE! 

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. GM FINANCIAL Account Number : XXXX Please remove it from my credit report. 

2. XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX  XXXX  XXXX, NC XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX  XXXX  7. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. Identity Theft Account Number : XXXX Please remove it from my credit report. 

13. Identity Theft Account Number : XXXX Please remove it from my credit report. 

14. Identity Theft Account Number : XXXX Please remove it from my credit report. 




Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Product: Credit card

I did n't pay off my credit card in full last month ( XX/XX/XXXX ). The bill was {$7200.00} and I paid off {$4000.00}. Normally we always pay this bill off completely. When I calculated the interest we would owe, I based it on the remaining amount due, {$3200.00}. When I received my statement for XX/XX/XXXX, I discovered I was charged interest on the amount I had already paid ( $ XXXX ) plus the amount I did n't yet pay ( {$3200.00}. ) Is a credit card able to charge interest on an amount I do not owe? A second question : I was planning on paying the remaining amount off today, prior to the XX/XX/XXXX due date ( that 's why I 'm catching this now ). If I pay the amount of {$3200.00} off today, is the same amount of interest charged? My annual rate is 15.74 %. Does n't annual mean 365 days? 
Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Equifax dropped my credit score by 29 points due to an a late payment alert on XXXX XXXX XXXX. This account was closed, paid in full, in XXXX of 2019 so there was no payment to have even been made. I contacted Equifax about the issue, and on XX/XX/2019 my score was only updated one point! As this was an error on their part I should have received all 29 points back. Equifax hung up on me, refused to let me speak with a manager several times, then told me I had to pay {$7.00} if I wanted to know my credit score. The same issue happened with Transunion, but they updated my score to the original number immediately. After going in circles and getting no where I am hoping you will be able to get my score updated back to the original score before XX/XX/2019 when it was dropped 29 points. I spoke with XXXX ( employee # : XXXX ) and XXXX ( employee # : XXXX ) from Equifax who were the most rude and unprofessional people I've ever worked with. Please help to fix this error as I shouldn't be punished for their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has false information on their website. I tried to get my fraud alert removed from my credit file and the website says that I can call and have it removed. I called TrasnUnion today and both representatives told me they could not remove the fraud alert from my account and that I need to mail on documentation to get it removed. This is very inconvenient as I do not have transportation to get to the post office and pay for postage to mail transunion a letter and have the fraud alert removed. This is a serious issue as I can not extend my credit the way I want to and provide for my family.
Product: Checking or savings account

I opened a savings account in XX/XX/XXXX for a security deposit for a tenant in the amount of {$1300.00}. i called the bank in XX/XX/XXXX to find out what the balance was and was told it was {$470.00}. i was selling my house so i needed to let the buyers and attorney know how much security deposit should be transferred to the buyers. i went to the bank to find out what happened to the money. i spoke with XXXX XXXX and she called the online research dept from the bank while I was there. i was told the bank records go back 7 years and they have no record of the account beyond seven years and therefore could not tell me what happened to the money. upon the sale of the house i had to give the buyers {$1400.00}, the amt the security deposit should have been for all those years. now Im out {$1000.00} because the bank doesnt know what happened to money. i need to find out what happened to money and how can I get my money back from the bank
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Disputed Information from Credit Report Dear Sir/Madam, I am writing to formally request the removal of certain disputed information from my credit report. Since XX/XX/XXXX, I have been actively working to resolve these inaccuracies, but despite my efforts, the errors remain uncorrected. 
The accounts in question are listed with the following details : XXXX. Monthly Payment : {$120.00} XXXX. Date Opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Balance : {$10000.00} XXXX. High Credit : {$11000.00}, {$11000.00}, {$11000.00} XXXX Credit Limit : {$11000.00}, {$11000.00}, {$0.00} XXXX. Past Due : {$1000.00} XXXX. Payment Status : Late XXXX Days XXXX. Last Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Date Last Active : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Comments : XXXX. Account XXXX : Dispute resolved ; customer disagrees XXXX. Account XXXX : Subscriber reports dispute resolved - consumer disagrees XXXX. Account XXXX : Consumer disputes after resolution The discrepancies I have identified include : XXXX. High Credit : * One account lists the high credit as {$11000.00}, while the others list it as {$11000.00}. 
XXXX Credit Limit : * One account lists the credit limit as {$0.00}, while the others list it as {$11000.00}. 
XXXX. Date Last Active : * The dates last active are different : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX. Comments : * The comments have slight variations in wording but convey the same overall message : * " Dispute resolved ; customer disagrees '' * " Subscriber reports dispute resolved - consumer disagrees. '' * " Consumer disputes after resolution '' * Additionally, the first two comments do not mention that the accounts were closed by the credit grantor. 
I have taken the following actions to resolve these errors : XXXX. Contacted the credit reporting agencies and the creditors directly to dispute the inaccuracies on multiple occasions since XX/XX/XXXX. 
XXXX. Provided supporting documentation and explanations to substantiate my claims. 
XXXX. Followed up with both the credit reporting agencies and creditors to ensure the disputes were being addressed. 
Despite these efforts, the incorrect information remains on my credit report, adversely affecting my credit score and financial well-being. I respectfully request that these accounts be thoroughly investigated and the inaccuracies be removed from my credit report. 
Attached are copies of my credit report highlighting the discrepancies for your reference. Your prompt attention to this matter would be greatly appreciated. Please inform me of the results of your investigation and any actions taken to correct the inaccuracies. 
Thank you for your time and assistance. 
Sincerely,
Product: Checking or savings account

I signed up for an online Money Market Account with XXXX  and XX/XX/XXXX and sent an initial ACH deposit to open the account. The funds were taken out of my account on XXXX XXXX and I have still not received any communication from the bank on how to access my account. I have sent numerous emails without a response, I have waited on hold for over an hour on the phone to be told it is taking them a long time to setup accounts. They have now had my funds for 5 business days, 7 days total and I do not have access to them. Their own funds disclosure terms say I should have access to my funds within a day.
Product: Checking or savings account

On XX/XX/2021 I attempted to send my daughter XXXX {$17.00}. After being advised by my daughter that she did not receive the money. My daughter advised that I used the wrong email address to send the money. The email address was listed in my participant 's list. I called Chase in an attempt to recoup the money and filed a claim on XX/XX/2021. After not hearing anything from Chase and the funds still not being recovered, I called chase on XX/XX/2021 only to be advised by their online department that there was nothing they could do. I was instructed to contact XXXX directly. I called XXXX, however, their recording did not allow an option for my issue. I tried to chose another option in hopes of speaking with a live person but to no avail. 

My account used to send the money ends in XXXX.
Product: Debt collection

The company XXXX, is report a debt is not mine that need to be remove off my credit report. There is XXXX account XXXX is {$190.00} and the other is XXXX balance but is report in a negative report against me. I sent this company a request for Validation of this debt. But as I stated in the letter if no respond in XXXX must be remove from my credit reports.
Product: Credit reporting or other personal consumer reports

ABSOLUTE RESOLUTIONS XXXX has collection report past due {$360.00} as of XX/XX/XXXX. Experian credit report shows XX/XX/XXXX this company first reported. This is an identity theft by ABSOLUTE RESOLUTIONS XXXX and I never use my credit card. 

Please note I've moved to XXXXXXXX XXXX on XXXX XXXX with my husband and the store card was never used. This bill is an identify theft of myself running ABSOLUTE RESOLUTIONS XXXX Please remove this collection from my credit history.
Product: Checking or savings account

They put my account on " Account Blocked '' because it was showing XXXX XXXX 

How is it legal that we have created 10 insitutinos that basically wiped out every single small town and regional bank where the " too big to fail '', put so much regulatory demand over the system that essentially has locked out any of the regional and small town banks where we are in a place of bank oligarchs. 

I guess they are going to " send me something in the mail '' as to why, but I am thinking to myself, I know why. Why is because of XXXX XXXX on it. 

Reason being - I was using that account for emergencies. It's an account that is open where my sister had the debit card and I left the debit card empty, but just in case something happened I could easily XXXX her. Well ... " because monthly maintenance fee '' that kinda stuff is nonsense these days. Maintenance fees, overdraft fees, closing accounts because they are overdrawn by a maintenane fee when there are only 10 banks out there and these are fees related to hurting people that are the least fortunate. 

It's disgusting behavior, and to close my account down because of it, spending more in gas money getting to the bank than the XXXX XXXX. Spending 30 minutes on the phone. I'm just disgusted. XXXX XXXX in assets, largest bank in the United States.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I feel puzzled right now coz I have no idea what is going on over there at the CFPB. Ive submitted this same complaint twice already but you still claim Im not the one submitting it. This to me is just foolish. So Im submitting it again hopefully for the last time. Equifax has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the public records listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents that demonstrated this legal issue but they have ignored these documents. They claim they verified the public records without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these public records blocked/removed from my credit file per FCRA. 

XXXX  XXXX Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX
Product: Debt collection

Upon careful review of my credit reports I found a collection agency listed attempting to collect a debt on behalf of  XXXX . I have never had a  XXXX  account nor did I ever apply for a  XXXX  account. I have tried to make several calls to this agency but have not made any contact as there was a constant ring on the other line. This collection agency never made any contact with me via in writing or by phone so I was never aware that my name and social was used to open an account with  XXXX . This collection agency has not mailed any written communication for me to dispute this account.     Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation, which is binding on me to pay this debt. Below are a few questions, which may help you to resolve these mistakes.     You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and federal agencies.     In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt.   Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor.   Any insurance claims been made by any creditor regarding this account.   Any judgments been obtained by any creditor regarding this account.
Product: Credit card

I was charged two identical transactions, one on XX/XX/2023 and the other on XX/XX/2023 from XXXX XXXX for {$130.00} each. When I filed a dispute with Citi, they indicated that XXXX XXXX claimed both charges are valid, which was never correct. Concurrently, I reached out to XXXX XXXX and XXXX XXXX confirmed they only charged me for one transaction for {$130.00} which was the charge I agreed on. At this point I filed a dispute with the XXXX against Citi for the duplicate charge of {$130.00}. Citi responded to the XXXX complaint with a generic letter that indicated the " findings '' of their investigation, which showed literally a blank paragraph where the explanation should have been. I have brought this up to Citi multiple times since then and they refused to do anything about it indicating their investigation was final.