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

I have received some large deposits of $ XXXX that disappeared or were withdrawn 2 mind after deposit that I did not withdraw or spend. 

A lot of fraudulent charges. Missing funds. 

Account underwritten. Allowing ppl into my account without even having the correct password. 

Implicating my P.O.A. of withdrawing $ XXXX around like 6-12months after the money was stolen while back dating the entries on the account that never happened nor should exist to account for missing funds. 

Not allowing me info from prev accounts that were open then closed for fraud due to Wells Fargo claiming that the accounts never existed. 

More then 1 card open at a time but lying stating there is only 1 open. All the while I can see like 3 cards open ending In different numbers online. 

Hacking my online account. Refusing to allow me to dispute transactions and credits to fraudulent transactions. 
Drive through teller attempting to steal {$200.00} and other tellers stealing money constantly.
Product: Credit card

Dear Macys/CBNA, I am writing regarding the late payments reported on my credit report for XX/XX/XXXX and XXXX through XX/XX/XXXX. Upon reviewing my records, I am uncertain how these occurred. I believe I made my payments when I received my statements, and any delay may have been due to not receiving my statements or a processing issue where payments were not applied quickly enough. 

During the XXXX XXXX timeframe, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during the XXXX XXXX. This extraordinary circumstance left me unable to fully manage my financial obligations. These late payments now stand as the only negative marks on my otherwise solid credit history and are significantly impacting my ability to close on a home. 

I kindly request, in light of our good-standing relationship and my history of timely payments, that you remove these 30/60-day late payments from my credit report and refund any late fees associated with these occurrences. 

Additionally, I believe this reporting may violate the Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666b ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), as the delays may have resulted from billing issues or errors. I trust you share my commitment to accurate and fair reporting, and I ask for your cooperation in rectifying this matter. 

Your prompt attention to this issue would be greatly appreciated, and I hope we can resolve this amicably. Thank you for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I asked the company to block out this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act and to send me a notification of the act taken on my behalf. The information was not blocked within the 4 business days and still remains on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts and inquiries appearing on my credit report. 
XXXX. XXXX XXXX XXXX {$3500.00} XXXX. XXXX XXXX {$1300.00} Inquiries XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX For XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX Fed XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had multiple loans with XXXX in which I have paid multiple loans off in full. I will attach all paid off letters directly from XXXX  validating this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I got behind on all payments and all of my accounts indicated that if you had XXXX  they offered various types of relief. I wasnt able to get any relief but as soon as I returned to work I paid off account after account and now my remaining two accounts are current, one was sent to collection as charged off which will be paid next week also in full. I filed a dispute with XXXX to update the account on my credit to paid as agreed and it was denied. I tried contacting XXXX, they wont respond. I want the paid off loans updated on all my credit reports. This is impacting my credit score greatly affecting my ability to access credit or buy a home as I am trying to do currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

some one has stolen my identity and has been using it for years. Every now and then new account that I did not open appear on my credit. Weird letters are coming to my house and I am getting weird phone calls. I never every in my life opened a XXXX  XXXX  rewards card but they keep on appearing on my credit report with a high balance and late payments that account does not belong to me and I have been trying to get this resolved for years. 

I have a fraud account that has popped up on all three of my reports named XXXX XXXX I do not know what this is or neither did I authorize this account. These accounts are FRAUD AND I DID NOT OPEN THESE ACCOUNTS. SOMEBODY IS PRETENDING TO BE ME AND OPENING ACCOUNTS and I do not know how when I have a fraud alert on my reports. 

There are fraudelent inquires from XXXX/XXXX XXXX XXXX/XXXX
Product: Checking or savings account

I am not sure if its a savings account but the account is not mine- it has my name on it and I received two statements so far, I tried calling Wells Fargo but they wouldnt let me say anything but kept transferring me. I got nowhere and am very much concerned. I had a car loan- I cant recall when- XXXX  i believe. But stopped when I traded my car for another and no longer am a customer. The last statement had money deposited nd then withdrawal. I am very much concerned and frustrated
Product: Consumer Loan

XXXX XXXX I fell victum to ID theft and more than {$2600.00} was taken from my XXXX account. This account made monthly payments to Ally and had been fine since before the theft.. XXXX took almost 60 days to investigate and find in my favor but in the mean time even after notifying Ally they continue to report negative info to my account and my loan amount increased by a whole payment between XXXX and XXXX of this year with no relief. I wrote them in XXXX with the findings and still they continue to violate federal law by reporting and ruining my credit When I called in XXXX the teller did not like me and all ofa sudden I owed XXXX payments instead of XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX BALANCED {$450.00} XXXX XXXX BALANCED {$3700.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$3800.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have been trying to resolve errors on my report since XX/XX/2021. It is now XXXX. There are inaccuracies with the following accounts that per the FCRA should be removed : XXXX is showing derogatory status The CRA states verified yet has not sent me proof. They refuse to remove account even though I've sent proof that the CEO of XXXX can't find the account and that the CRA can't verify since I've frozen my reports with all 3rd parties. 

I've attached copy of FCRA, Copy of letter from CEO and proof that all 3rd party reports have been frozen.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX presumed that no proof of the alleged debt. Nor theredore any such debt in fact therfore exisits. ( please remove these accounts before i seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX {$3700.00}, XXXX XXXX {$2500.00}, XXXX XXXX XXXX bal. {$2100.00}, XXXX XXXX XXXX bal. {$1100.00}, XXXX XXXX XXXXXXXX XXXX {$320.00}.
Product: Debt or credit management

XXXX, SSDI, auction XX/XX/XXXX, {$20000.00} unaffordable>>>Shellpoint not helping despite my hardship. I contacted Shellpoint last nite stating that the equity in my home can be used for arrearages. Reply back today was to contact them for options. I've already went thru that & I can't do the trial period because it's unaffordable on the income from XXXX. 

Previous complaintXX/XX/XXXX
Product: Debt collection

Paragon Revenue Group XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX This firm has called me numerous time prior to XXXXXXXX XXXX  XXXX the time zone in which I live- I have asked them several times that they are calling me prior to the authorized times. This has woke me up and disturbed my sleep. 

They continue to call unrelentingly knowing they are calling prior to the legal time period
Product: Debt collection

On XX/XX/21 XXXX  XXXX  had Malen & Associates place a hold on my bank account for a credit card i never had. And the so called debt is over 10 years old. Also when i contacted both agencies they gave me the run around. I need XXXX badly
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX credit reporting agency , and XXXX credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Money transfer, virtual currency, or money service

Coinbase is a huge scam. I have provided all my documents they request to withdraw my funds and still I am not able to do so. Their system to verify the identity is a simple questionaree that never works. I have been tried to withdraw my money for 5 days now and still not able to. I have contacted their support three times as of today ( XX/XX/2018 ) and still just receive automated responses.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA. XXXX XXXX Balance Owed : {$8400.00}
Product: Credit card

On XXXX XXXX, XXXX my daughter got married and she contracted with a XXXX company to transport the wedding party to the church and back besides a party bus to transport the guest. The day of the wedding I took upon myself to hand a credit card to the XXXX driver which also demanded that I sign a contract without reading it. I refused but did unfortunately I did sign a blank credit card slip. Not only did the XXXX company get us into an automobile accident on the way to the church but they only provide partial services as to what they were suppose to do. I notified Citi Card the same day and again on XXXX XXXX. I submitted a detail information as to what happened and they did nothing to protect me being an excellent client since XXXX. The XXXX company also forged my signature on the contracts that I refused to sign. I am paying the amount in the dispute to protect my credit but will pursue this matter to every extent of the law. Your investigation into this matter would be greatly appreciated.
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 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

This is my 10th 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 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
Product: Money transfer, virtual currency, or money service

I finally received an insurance check from a car accident from From XXXX XXXX and it is a Citibank issued check. 
I called and spoke with a local Citibank branch ( XXXX XXXX, CA ph # : XXXX ) on Monday at XXXX XXXX today and spoke with a very rude person. I wanted to inquire if I could cash a check issued by Citibank and he stated no, despite the check issuer being Citibank. When I asked him the reason he rudely answered but was using terms I was unfamiliar with which led to me asking additional questions in which he became rude and upset stating Im not going to argue with you. I was shocked on how he said it because my intention was not to argue nor did I expect him to become upset. I did not expect such hostility for asking questions or clarifications. I thought I would have no issues cashing a check at a branch in which the check was written by the financial institution.
Product: Credit reporting

Out of nowhere American Express added XXXX accounts to my credit history, proof attached in original dispute/ complaint. My request was that they remove XXXX of these accounts as I did not personally guarantee them. They stated I did but to date have not sent me signed original applications for this supposed credit. All I want is original applications for credit showing that I personally guaranteed them, which I know they ca n't provide. That said I also want these accounts removed from credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts/purchases are fraud and need to be removed from my report immediately. I am a victim of identity theft. These accounts listed in the affidavit were not charged by me. I've also provided the FTC affidavit in regards to these accounts. Please remove them as soon as possible as it is causing me serious harm and inconvenience as a consumer.
Product: Debt collection

Blitt and Gaines has two civil suits against me in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was only served the Original Notice for one of the cases. In the case I was served papers on, Blitt and Gaines is representing XXXX XXXX XXXX. XXXX XXXX XXXX is representing XXXX XXXX in the other civil case against me. I was not served an Original Notice or paperwork of any kind for that case.
Product: Credit reporting or other personal consumer reports

I did not authorize the creation of these accounts, and I am certain they are fraudulent. I request that you investigate the matter and expunge them from my credit report. I have furnished supporting evidence to corroborate my position.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 


In accordance with the fair credit reporting act XXXX account # XXXX has violate my rights. 

15 U.S.C 1681 sec 602A States I have the right to privacy.

15 U.S.C 1681 sec 604A Sec 2 Also states that a consumer reporting agency can not furnish an account without my written consent.
Product: Credit card or prepaid card

I made a balance transfer for XXXX XXXXXXXX ( plus some fees, etc ) originally from another card to my Citi card. The Citi card was not used very often, so it was set to automatically pay in full for the longest time. I swear I remember before making the balance transfer, that I changed it from pay in full to pay minimum bialances, that way if a payment was missed, at least a minimum payment was made. 

I made a {$1500.00} payment before the due date, however, on XX/XX/28, I noticed my checking account had been overdrafted by {$3500.00}. I see an additional payment was made from Citi for {$12000.00}. I immediately call Citi on the XXXX, and tell them that payment should not have gone through. They put in a refund request and stated it would take XXXX business XXXX. Borrowed $ XXXX from a friend to cover overdrafts for a short amount of time as they stated XXXX business XXXX 

Called them on the XXXX, and they told me, it had just been approved on the XXXX or XXXX, and it would be XXXX business XXXX from then which would be today the XXXX. 

I called them again today, and was told that it was approved on XXXX for deposit, and I should have it on XXXX. 

This is ridiculous. I can't get a straight answer and I've had this account for XXXX XXXX. I shouldn't have to file a complaint with you either. 

Please help if you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

I was 100 % discriminated against and the law was BROKEN!!! 

On XX/XX/2022 I used my credit card as defined under 15 us 1602 ( a ) ( I ) to extend myself credit through your company and I was denied. On XX/XX/2022 I received an adverse action email from your company attempting to explain why I was denied. This was clear as day an act of discrimination pursuant to 15 usc 1691 ( a ) ( 3 ). I in good faith exercised my right to extend credit as a consumer, and a creditor and I was denied for NO specific reason. You also violated federal law and you will be held civilly and criminally liable because you violated 15 usc 1602 ( a ) ( p ) you used my credit card with no apparent authority, and I the cardholder and consumer received no benefit. You are now civilly and criminally liable under : 1.15 Usc 1611 2.15 US 1640 3.15 usc 1691e I am appalled at these laws being broken by a company with the reputation that you have!