23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello, when I tried to go to XXXX XXXX thru their drive thru to ATM Machine to withdraw money by using my credit card Capital One cash advance for XXXX dollars in XXXX dollar bills but instead received {$15.00} in singles. A XXXX employee witnessed the transaction. They then called Capital One fraud department to report the transaction and they said they well reverse the transaction and only charge me {$15.00}, but then when I got the Capital One statement of bills, it is not showing the reversed transaction and still got charged of {$300.00} with {$3.00} transaction fee. I am also a XXXX customer with checking account. XXXX XXXXshould also be held responsible since the ATM machine is giving out wrong amount of money. I have been following this incident several times to both Banks, but until now it is not resolved. This happened on XX/XX/2015. If this could be resolved it would be greatly appreciated. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 18th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

During rst week of XX/XX/2022, I was planning to take advantage of the current automotive market condition and sell or trade in my vehicle to purchase a new XXXX vehicle. I called my banks and credit unions to see what the current rates are and to get information of obtaining a pre-approval. I was told that my rates would me higher due to my credit le. I pulled my XXXX, XXXX, and XXXX credit les and found that someone has been using my identity to obtain credit from several creditors. These creditors include Barclay Bank Delaware ( {$5200.00} ).
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, XXXX XXXX sent a {$270.00} XXXX payment to my bank ( Key Bank ). When the payment was sent and could have been made available. Key bank chose not to. I have not yet received my funds as XX/XX/year>. I spoke with Key Bank customer service representative and their XXXX representative at least XXXX times. A first Key bank kept claiming that the request had been suspended and I was told to have my payee file a dispute with their bank. They kept claiming that they had not received any funds from XXXX to deposit into my account. The payee called his bank, and it was confirmed 3 times that funds were release and sent to Key Bank. Called Keybank to give them confirmation number and then I was told that they have to verify the funds to avoid fraud and my deposit won't be available until XXXX to 5 days and there is nothing that can be done. I was accused of participating in fraudulent transaction. although I have always used XXXX with Key Bank and there was no evidence of that. They used XX/XX/year> as an excuse and I explain funds are transfer all the time on holidays per XXXX. Keybank violated the funds availability promised implemented by XXXX agreement and created undue hardship and stress for my family and me. I still do not know when or if I will receive the money. Key Bank has dealt dishonestly and needs to be fine and held accountable for their actions creating a problem for no reason at a only to abuse their customers and their power.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 
Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

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

Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act XXXX, XXXX and TRANSUNION has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 
The following accounts are errors : 1. XXXX XXXX Open Date : XXXX 2. XXXX XXXX Open Date : XX/XX/22 XXXX. XXXX XXXX XXXX Open Date : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a debt that is not mine nor do I have awareness of. I attempted to call their phone number but it is disconnected. On XX/XX/20 I disputed this account with Experian and it was removed. 11 days later it was added back and not removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there are still many mistakes in my report. 
In fact, I have asked for the Verifiable Proofs for the below accounts : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting multiple fraudulent accounts without right. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acts of creating credit is not authorized by the constitution and laws of the United States, is unconstitutional and void, and is not a lawful consideration in the eyes of law to support anything or upon which any lawful rights can be built. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX reporting these accounts to my Credit file with the intent to swindle me into paying a note that is void is a violation 18 U.S.C 894 for attempting to coerce me to pay an alleged debt not owed is extortion and blackmail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not give me lawful consideration only XXXX can create something of value from nothing. I now demand said persons to cease and desist from all communication including credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was ill in the beginning of the year so there is no way I purchased a vehicle from rXXXX XXXX XXXX XXXX because after my XXXX I lost my job so I just got on my feet and pulled my credit to see an unauthorized XXXX loan from XXXX XXXX XXXX XXXX in XX/XX/2021 please remove from my credit because it was not authorized.
Product: Debt collection

Account Name : PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Date Opened : XX/XX/2018 Balance : 507 Reason : Identity theft Please remove it from my credit report.
Product: Checking or savings account

On XX/XX/XXXX, I noticed there was a quickpay XXXX money transfer for {$200.00} that went to a contact I had not used before. The only information I was able to see is a XXXX email address ( XXXX ) and their name ( XXXX XXXX ). No phone number was provided. I was surprised that this happened and immediate contacted Chase Bank. 


I called the XXXX number on the back of my card as I caught it in processing. They tried to see if they could stop it and then told me they couldnt. In addition, when I asked them for more information they could not give it to me. They did not even mention to file a police report or prosecute the person. How do I know it's not a Chase Bank employee or friend/acquaintance of an employee there. 

I asked what else could be done as the money had gone to someone it shouldnt have and I want it back. They escalated it up, and I spoke with fraud. 
They told me they would investigate but that it was unlikely anything would happen. I was to receive a call back in a few days. 

That didnt happen instead about 2-3 weeks later I received a brief form letter from chase saying it wasnt fraud they determined the transaction was fine and Im XXXX out of luck. Chase Bank lacks professionalism, has poorly trained fraud and customer service staff -- from my experience, and I have lost trusted in them. Chase Bank representatives stated and implied that when a customer uses their quick pay XXXX feature that the bank is immune for any dispute or fraudulent activity. 

I started to research and tell others of what had happened. I found an article on XXXX from XXXX XXXX, titled " JP Morgan Chase glitch gave some online users access to others ' accounts. '' First, there was communication or mention from anyone at Chase Bank about this situation or that possible I could have been a victim of this ordeal. According to a XXXX XXXX that could not confirmed that there was or how many unauthorized money transfers. What I am asking for is the return of the unauthorized transfer of money for {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) - reporting inquiries without my authorization or a permissible purpose, act 15 USC 1666 ( b ) - the truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Subject : Cease and Desist Regarding Inaccurate Reporting of Account Details XXXX  ( Account No. XXXX ) Dear Experian, I am writing to formally dispute and request a cease and desist regarding the inaccurate reporting of the above-referenced account on my credit report. The information being reported is erroneous, incomplete, and unverifiable. Below are the details of the account as reported : Account Name : XXXX Account Type : Sales Contract Date Opened : XX/XX/XXXX Current Status : Closed/Account Charged Off Reported Balances : {$84.00} written off Paid Off : {$0.00} ( Balance as of XX/XX/XXXX ) Last Payment Date : XX/XX/XXXX Original Balance : Not specified Terms : 6 Months Additional Notes : Purchased by another lender Cease and Desist Order Under the Fair Credit Reporting Act ( FCRA ), I demand that Experian immediately cease and desist from reporting inaccurate or unverifiable information regarding this account. Specifically, the following discrepancies must be resolved : 1. The reported charge-off and written off balance conflict with my payment records and account activity.

2. The status purchased by another lender lacks necessary verification or details regarding the sale or transfer of the account.

Supporting Documentation I have attached the following documents to support my claim and validate my identity : 1. A copy of my FTC identity theft report, confirming the issues related to my credit reporting.

2. A copy of my passport, serving as proof of identity.

Request for Immediate Action I request that Experian take the following steps without delay : 1. Investigate the accuracy of the account details and verify all reported information with XXXX and the alleged new lender.

2. Remove or correct any inaccurate, incomplete, or unverifiable information related to this account.

3. Provide me with a full written summary of your findings and updates to my credit report.

Notice of Rights If these inaccuracies are not addressed within the legally mandated 30-day timeframe, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. Furthermore, I reserve the right to seek legal action for damages caused by the continued misreporting of inaccurate information.

Please confirm receipt of this letter and respond promptly with the results of your investigation. You may reach me directly at XXXX or XXXX for further correspondence. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I have noticed and taken record of the principal amount on my loan being increased by {$2.00} a day. At first I thought maybe this is some type of reverse interest charge. With my payment not due until the ninth of the month. On the fourth of the month I paid {$20.00} towards my loan as an experiment to see what they do with my payment. I let two days pass and checked my balance due. My balance due I Had only decreased by {$13.00}. So are they charging me interest at both ends? Or is what theyre doing illegal? I will include screenshots as proof to my claim.
Product: Debt collection

Synchrony bank has contacted me every day since I have been past due at an upwards of 3-5 times per day. I feel very harassed and uncomfortable getting that many phone calls in one day from the same company to no avail. Every time I check my phone I seem to have a missed call from them.
Product: Bank account or service

On XXXX/XXXX/XXXX I received a deposit refund check # XXXX dated XXXX/XXXX/XXXX from XXXX in the amount of {$500.00} dollars. I have deposited this check via mobile app to my XXXX XXXX XXXX Account. After a while I noticed that this moneys were never deposited so I contacted XXXX XXXX XXXX customer service to search for this deposit. After lengthy phone calls I received a letter from XXXX XXXX XXXX instructing me to bring the original check to the XXXX XXXX XXXX physical location ( branch ) to redeposit the original check as the mobile deposit could n't be researched. 
I re deposited this check on XXXX XXXX XXXX. 
On XXXX XXXX XXXX I received a letter from XXXX XXXX XXXX stating that XXXX XXXX XXXX debited my account for the {$500.00} dollars and said that this check was already deposited via mobile app and negotiated at FIFTH THIRD BANK on XXXX/XXXX/XXXX. I have never deposited this check to FIFTH THIRD BANK! I have NEVER owned an account there I never even heard of this bank. I contacted FIFTH THIRD BANK to see what happened to my check. They said that they cant research this check because there is information missing and that I am not their customer. I asked FIFTH THIRD BANK to searched their data by my name and social security number to see if someone opened an account there and found no accounts in my name. 
The bottom line is that I deposited this check on my mobile app to my personal account in XXXX XXXX XXXX the money never showed up and according to XXXX XXXX XXXX this check was cashed at Fifth Third Bank but the check or the deposit cant be researched. 
I suspect a fraud or software issue because I only deposited this check to XXXX XXXX XXXX and they are claiming that I mobile deposited it in FIFTH THIRD BANK! 
Please help!!
Product: Credit card or prepaid card

I dont feel its right I have a good relationship with Wells Fargo and decided to apply for the XXXX  card and I did and I was declined after I told them I have a fraud alert and the only reason is too many accounts opened 6 months this is ridiculous when I havent opened anything recently Im a good customer and I should be denied
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries that appear on my credit report as a result of identity theft. These inquiries were made without my knowledge or consent and are causing significant harm to my credit profile. In accordance with Section 604 of the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into the following unauthorized inquiries and their removal from my consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AK XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my XXXX, and XXXX Credit Report and I noticed that two late payments from XXXX XXXX XXXX is still posted on my report : XXXX XXXX XXXX Account # XXXX Credit XXXX  XXXX Account # XXXX Your company XXXX XXXXredit Agency and Equifax XXXX Agency has two violations . 
XXXX Credit Agency has remove the late payment through CFPB and both XXXX and Equifax has violated the laws by keeping the late payment on my credit report. Under 15 USC 1681 Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

All three credit agencies are to provide the same information for accuracy.

Also, Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give written instructions to furnish this account on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE the late payment from my consumer report, and put PAID AS AGREED or OK. This agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character.

2. Negligent Enablement of Identity Fraud.

3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . 

Best Regards XXXX XXXX Attachments are enclosed.
Product: Credit reporting or other personal consumer reports

Debt was sold to a collections agency I dont know who this company is because I dont have any signed agreements with them and PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S CODE 1692 this is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX
Product: Credit card

Hello, I signed up with Citi Executive Card because I was told it includes access to many Airport Lounges. However, after traveling to a few places in XXXX, I found out that the card is not accepted in those Airports. When I returned home, I called Citibank to cancel my card. I was told I will get {$450.00} annual fee credit back to my card since I was still within the 37 days allowed to cancel the card. Its been almost 3 months and I have yet to get the credit back. Every time I call, they tell me to wait a little longer. And now, no one asnwers from customer service. I am furious and this is unacceptable. I need my money returned to me.
Product: Debt collection

I disputed this listing with a credit bureau and it was removed. In XXXX 2017, it was placed back on my credit again listing different information. I 've disputed it once again with XXXX and am waiting on results. I 've also disputed this with ERC, the credit bureau making the claim.
Product: Debt collection

Beginning on XX/XX/2023 the calls began, now I get 2 a day for someone that isn't me, they don't care! I've tried removing my number spoke with 2 reps and informed them that they have the wrong number to no avail, it just doesn't stop