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

My name is XXXX XXXX, and I am filing a complaint regarding an unauthorized transaction on my debit card that occurred at a bar/nightclub I have never visited, stepped foot in, or had any affiliation with. The incident occurred on XX/XX/year>, shortly after midnight. 

I filed a dispute with my bank and provided supporting evidence that I : Was not at the location of the transaction. 
Had no physical access to the debit card. 
Had no involvement in the unauthorized purchase. 

However, my claim was denied, and the reasons given were factually incorrect and contradicted by documentation I provided : I was told the dispute was denied because I logged into my online banking after the unauthorized transaction this is false, and I have proof showing this activity did not occur as described. 
I was also told the card was used again after the fraudulent charge also false. The charge in question was from a physical location and physical use of the card, while the transaction I made afterward was a digital XXXX XXXX purchase, unrelated and legitimate. 

I was told the fraudulent charge occurred on XX/XX/year> again, false. I have proof that the funds to even cover that transaction were not deposited into my account until after midnight on XX/XX/XXXX, meaning the transaction could not have happened prior to that time. 

Despite multiple attempts to contact the bank and escalate the issue including outreach to the executive office, where I have received no response nothing has been done to resolve the situation or honor my rights as a consumer.

This is a violation of the Electronic Fund Transfer Act ( EFTA ) and a failure on the part of my bank to properly investigate, communicate, or handle my case in accordance with federal guidelines. 

I am requesting : A full re-investigation of my denied claim. 
Immediate reimbursement of the fraudulent charge. A written response explaining how the bank justifies the denial in light of the conflicting evidence and documentation I provided. 
Accountability for the failure to respond to repeated inquiries. 

I have all documentation available to support the above, including transaction records, login history, XXXX XXXX receipts, deposit timestamps, and a timeline of my communication with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Having issues with unauthorized inquires on my Experian credit profile am subscribed to Experian monitoring services. it is noted across all three credit bureaus that i was a victim of my data being stolen from XXXX data breach. Experian remove all hard inquires that's not connected to any open account 's on my Experian profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  pll i was recently denied a line of credit because of these unauthorized hard inquires. also my phone number that's on file with Experian is being flag by lenders for some reason. also please fix this error asap
Product: Payday loan, title loan, or personal loan

I have gotten into a financial mess, I admit that. Too many loans to handle. I contacted XXXX XXXX XXXX and I am trying to manage this problem. They sent out a communication to all the lenders with whom I have accounts. These were sent electronically so they were received immediately. This was notice that I was revoking ACH authorization. This was on XX/XX/2018. On XX/XX/2018, EMoney USA proceeded to withdraw a payment from my account anyway. Fortunately it did not overdraw my account and my bank returned the payment with a stop payment order. Is this legal?
Product: Bank account or service

The company said they mailed forms to me a post office box address which I never had. when I became aware of the issue in XXXX 2015, the representative asked me questions about the account and VERIFIED that the information on the account did not match my address, email and phone number. So she advised me to update my personal information so whomever opened the account would not be able to access it. The Rep. gave me a address in Georgia which i never was a resident of so I gave her my current address which was XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX. The date that account was open, I had no access to any kind of communication due to the fact that I was in basic training for the XXXX which I sent in the info the USAA proving that I was n't able to open a account. A couple months after I initially became aware of the account, I reported it to USAA fraud department, who said that my address and contact info matches which was XXXX XXXX XXXX ( The address that they updated not the original address used when the account was opened ). I do not believe that I should be liable for a account I was n't possibly able to open.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified several accounts that appear inaccurately listed. I hereby request the removal of the specified accounts from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inclusion of these account ( s ) constitutes violations of 15 USC 1681a, also known as The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ], which outlines exclusions from the definition of a " consumer report. '' Specifically, it states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Allow me to elaborate. According to the Truth in Lending Act 15 USC 1602 ( g ), the term credit card is defined as follows : " The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' This definition encompasses my social security card, drivers license/ID, and license plate, all of which have been used as credit cards for the extension of credit. Therefore, I insist that this account be removed from my consumer report. 


Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to file a formal complaint regarding an issue with the dispute process I initiated with XXXX and Experian, which has yet to be resolved to my satisfaction. 

In XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX, I submitted disputes to both XXXX and Experian concerning inaccuracies on my credit report. Despite my efforts to address these discrepancies, the disputes were either not properly resolved or were not thoroughly investigated in line with federal regulations under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I have reason to believe that : Inadequate Investigation : XXXX and Experian did not conduct a sufficient investigation into the disputed items. 
Failure to Remove Inaccuracies : The inaccuracies that were disputed were not removed or corrected from my credit reports within the statutory time frame. 
Lack of Detailed Reporting : I did not receive the requisite detailed explanations or any adequate documentation from either credit bureau regarding their actions taken to resolve my disputes. 
These unresolved issues have had a negative impact on my credit profile, and I am requesting that the CFPB intervene and ensure that the credit bureaus fulfill their obligations to conduct a thorough investigation as outlined by law. 

I am requesting your assistance to facilitate a proper resolution of my dispute. Please let me know if you need any additional information or documentation to assist with your inquiry into this matter. 

Thank you for your time and attention to this important issue. I look forward to your prompt response and resolution of this matter.
Product: Credit reporting or other personal consumer reports

I submitted formal dispute letters to both Experian and XXXX on XX/XX/year>, regarding multiple inaccuracies on my credit report. These disputes were not my first attempts to address these issues. I have previously disputed inaccurate information with both credit bureaus, but they failed to respond appropriately or investigate the accounts and inquiries in compliance with Fair Credit Reporting Act ( FCRA ) requirements and Metro 2 ( M2 ) compliance standards. 

In my most recent dispute, I explicitly requested : 1. Verification of the accuracy and validity of the accounts, including supporting documentation from the original creditors. 


2. Evidence of proper investigation into each disputed item, as mandated by the FCRA.

3. Removal of unverifiable, inaccurate, or incomplete accounts and inquiries from my credit report.

4. Confirmation that any outdated or incorrect personal information, such as previous addresses or names, was deleted. 



Instead of conducting thorough investigations and providing the requested documentation, Experian and XXXX responded with generic form letters that did not resolve the inaccuracies or address my concerns. The disputed items include accounts and inquiries I do not recognize or that contain errors such as incorrect balances, dates, and statuses. 

The lack of proper investigation and resolution has negatively impacted my credit score, causing harm to my financial opportunities. Moreover, their failure to adhere to Metro 2 compliance guidelines and FCRA obligations demonstrates systemic shortcomings in their dispute resolution processes. 

As of today, the disputed information remains on my credit report, and I have not received any detailed documentation or an updated report reflecting the corrections I requested. This negligence is unacceptable, and I am seeking the CFPBs assistance to ensure that Experian and XXXX fulfill their legal obligations to investigate and correct inaccuracies promptly.
Product: Credit card or prepaid card

On XX/XX/2019 I used a Chase Amazon Visa to pay a bill at XXXX, Texas XXXX XXXX. XXXX XXXX XXXX charged my card for {$670.00} ( the bill actually showed total due of {$570.00} ). The Dental office claimed insurance would not pay, and that's why they demanded more money. Later we discovered the insurance company did pay {$570.00}. Chase Amazon Visa was notified that not only was card overcharged, but insurance was paid, to XXXX XXXX XXXX. Requested refund to card from Amazon ViXXXX, and have been refused twice. Chase Amazon Visa claims : " there are no billing errors ''. The Dental office continues to maintain : " insurance did not pay ''. Chase Amazon Visa is  obligated to return funds to my account, as the dental office has been paid twice ( more than twice ) for the same procedure. Chase Amazon Visa has also been presented with proof that XXXX XXXX XXXX did pay the dental office {$570.00}, but will not acknowledge the receipt of payment.
Product: Credit card or prepaid card

I have a loan with CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CBNA with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2016.
Product: Credit reporting or other personal consumer reports

Equifax is reporting incomplete and inaccurate information on my credit report. I have attached the proof and a letter describing each piece of inaccurate and or incomplete information. Under the FCRA I have a right to know what is in my credit file and I have a right to 100 % accuracy and complete credit reporting. Equifax has not provided this information. This give cause for concern regarding identity theft issues having incorrect personal information and accounts that have not been verified. I never gave Equifax permission to put anything in my credit report. I have the right to direct whether or not I want information about a transaction to be reported. My right to privacy has been violated and I do not appreciate that. These are my rights under the FCRA that Equifax has on their own website. I take my right to 100 % complete and accurate data on my report seriously. I take my rights under the FCRA seriously. Please make sure to not report any transactions on my credit report. I did not give equifax or anyone else my written permission. Under the FCRA it says " reported info can not be ONLY transactions and experiences between the consumer and a company. '' All data on my report are transactions between I the consumer and a company. '' My entire credit report is a complete mess. Inaccurate and incomplete information. This is improper credit reporting. I have names on my credit report that do not belong to me. That is very concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. Ive repeatedly asked for this to be removed through various methods.
Product: Debt collection

Capital One Credit Card account ending in  XXXX .   This complaint is due to improper communication from capital one to me regarding the balance of my account I did not have any balance on the account after m last payment o n XX/XX/XXXX   .Capital on e charges me {$2.00} interest charge, and I never received a call or mail regarding these accusations. This charge leads to a {$2.00} late fee. When I contacted capital one again  in  XX/XX/XXXX  to obtain  info about my account, I learned that they restricted my account, and that plays a major issue in my credit history. I did n't get any mail of my billing information from capital one ; if I did, i would have paid the interest charge of {$2.00}.   Capital one did not inform me of those charges in any form or way. They send me any information regarding these accusations.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : XXXX XXXX-Late/Open
Product: Debt collection

The following agency is not bonded in the state of TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed. Please and thank you! I hope you have a great day!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to this complaint against CAPITAL ONE to inform you that I am a victim of identity theft. I recently learned that someone used my personal information to request to open an account with their company. I did not authorize those inquiries, and therefore I request that these fraudulent deletions be removed. I also request that your company absolve me of any charges attributed to such a request or that it is the result of this credit request, and that you take all necessary steps to remove from my credit records information related to this unauthorized inquiry by me. 

I am attaching a copy of a Police Report where my position is based, and a copy of my credit report that contains the fraudulent items related to your company resulting from the theft of my identity. In addition, I am attaching a copy of the FTC 's Notice to Information Providers detailing the obligations that must be observed by your company as a provider  of information to credit reporting companies ( CRAs ). As an information provider, upon receiving a written request from a consumer attaching an Identity Theft Report, your company must stop providing the information resulting from identity theft to any credit reporting company ( XXXX ). 

Under the Fair Credit Reporting Act, must be removed. 
CAPITAL ONE DATE XXXX CAPITAL ONE DATE : XXXX CAPITAL ONE DATE : XXXX This notice also specifies the obligations set forth in Section 605B of the Fair Credit Reporting Act that your company must comply with when you receive a notice from a credit reporting company ( CRA ) stating that the information you provided to the credit reporting company Credit reports can be the result of identity theft. Such obligations include ceasing to supply inaccurate information to any credit reporting company ( CRA ) and taking the necessary steps to prevent the sale or transfer of fraudulent debts to a third party for collection.
Product: Student loan

I have been trying to forbear my private student loan with Firstmark Services ( I guess  through XXXX ) since XX/XX/2020. I called and emailed that day with no response. 

I emailed Firstmark Services on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( Investor Relations ), XX/XX/XXXX ( Investor Relations-XXXX  XXXX XXXX, XX/XX/XXXX ( still trying to forbear my loan ), XX/XX/XXXX ( complaint about total of what I owe being changed on front page of account ), XX/XX/XXXX ( asking and praying for them to not be dishonest anymore ), XX/XX/XXXX ( another complaint about them changing what I owe them in total on the front page of my account again. 

I have talked to XXXX on the phone on these dates : XX/XX/XXXX XXXX XXXX XXXX XXXX ( I think it might be XXXX XXXX or someone else named XXXX. She called me, and I called her back at XXXX XXXX XXXX XXXX XXXX. She then called me on XX/XX/XXXX, and I had to call her back with the same 800 number. She had me write down contact information about Firstmark Services and XXXX, and she emphasized which XXXX number to call. I called the XXXX number she suggested at XXXX on Monday, XX/XX/XXXX. The first time I called, I talked to woman. The call dropped. I called a second time. A man answered. He asked for some information and said he was forbearing my loan for three months. Oddly enough, he said XXXX XXXXNSTEAD of XXXX. I dont know why he said it that way. I havent heard anything from them ever since. Even though he said he put it on forbearance, my loan on the Firstmark Services website says I owe {$140.00} on XX/XX/XXXX as always. I have checked the website most days with no change. I even sent an email request with the form they suggest on Wednesday, XX/XX/XXXX as a last resort. 

What I originally owe on my loan is {$2000.00}, as stated in the account details. On the front page of my account, however, they are slowly making the total amount on my account slightly higher. ( I take pictures on my phone of this whenever I notice a change. Im also autistic, so I easily notice details like this. ) On XX/XX/XXXX, they changed the current balance to {$2000.00}. On XX/XX/XXXX, they changed it to {$2000.00}. 

Im still learning about how private student loans work, but I never knew how much they mishandled things and lied to their clients until the COVID-19 pandemic came. I dont even know where and how to refinance yet, but I believe its an injustice for these banks to not only take advantage of me but also others, especially people with student loans. I need help. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXXXXXX XXXX XXXX and/or TransUnion ) credit report. My latest credit report shows credit inquiry/inquiries that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Between XX/XX/2022 to XX/XX/2022, a CitiCard Advantage Credit Card was opened in my name. This also resulted in a credit transfer. The transfer amount was undisclosed by Citicard. Citicard stated my personal information and address was sued in this account. Citicard has began an investigation and has closed the fraudulent account. They will follow up with me by letter with a few week.
Product: Student loan

My daughter had numerous loans from Navient. My father ( XXXX ) co-signed for the loans. She became in default and they contacted the co-signer. Over 1 year of phone calls, he finally accepted to speak with them ( Included in the call was myself and my daughter ). They were willing to waive all penalties and interest if he paid XXXX, XXXX by XXXX XXXX, 2016. He withdrew all saving funds and paid cash. Per Navient we were advised we will receive a paid in full letter within 30 days. After numerous phone calls no letter was received. When we did receive a letter the amount posted was XXXX. I called again. I have reported them to the XXXX and have not received any results. I was told all Navient loans my father co-signed have been paid. My daughter has XXXX outstanding loan with Navient. Because they received payment from him before, the calls have started again- daily. I want a letter from Navient stating the full amount has been paid and to stop the harassing phone calls. I am my father 's XXXX and this is unbelievable stress on him and the family. The school my daughter was attending is the Univ XXXX XXXX XXXX XXXX.