23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a FIDELITY REWARDS SIGNATURE VISA through Fidelity XXXX XXXX. My credit card number was stolen and used to make XXXX unauthorized purchases on online at XXXX XXXX. I noticed this on XXXX/XXXX/16 when I saw the charges " pending '' on my online account at Fidelity. I reported this by telephone to my credit card company on XXXX/XXXX/16. ( My credit card is through Elan Financial Services. Elan Financial Services is affiliated with Fidelity XXXX XXXX. The " rewards '' on the Visa card are reimbursed to my Fidelity account. 

My credit card was appropriately cancelled by Elan / Fidelity and a new one was issued immediately. I was told the charges would be reversed. When I checked online a few days later, I noticed the charges were not reversed and, instead, had posted to my account. So I called to ask why. I was told that a fraud investigator was working on my case and that I would receive an affidavit in the mail to sign and confirm the charges were fraudulent. Until then, the fraudulent charges would remain on my account. 

On XXXX/XXXX/16, I received a letter ( dated XXXX/XXXX/16 ) stating that my fraud case ( # XXXX ) was closed, because " the transaction ( s ) has neither posted nor been deducted from your account. As a result of the transaction ( s ) not posting to your account, we are closing our investigation and you will not be receiving affidavits to complete and return as there is no further action to be taken. '' I looked online at Fidelity.com and found the charges still showed as posted to my credit card account. 

I called and, after multiple representatives, and asking for a manager, a manager in the billing department ( " XXXX '' ) got on the phone. He put me on hold for a while and came back saying he had talked to the fraud department. He said that a fraud investigator had not yet been assigned and that the letter I received was " computer generated, because nothing had happened on my case. '' Made no sense to me, but I told him I was assured two weeks ago someone had been assigned. He could not explain that, but did say that a fraud investigator was going to be assigned. 

Feeling suspicious now, I asked to be connected to the fraud department so I can confirm this new story. XXXX says that I wo n't get the same person, so I wo n't get the same story. Makes no sense. But I finally get a hold of the fraud department and am now I 'm told that an investigator HAS been assigned since XXXX/XXXX/16. 

The problem is that I have a letter stating that my case is closed and that the charges I denied having authorized have not been posted, but the charges ARE still posted. And I 've now been told XXXX different stories by, I 'm certain, well meaning people. But Fidelity Financial Services / Elan Financial Services have me in limbo. I file my fraud case, they " investigate '' and tell me the charges have n't posted, and my case is closed. But the charges ARE posted.
Product: Credit reporting or other personal consumer reports

They said the XXXX XXXX  account was updated
Product: Credit card or prepaid card

I paid over my discover account and put it away safely in my safe. I then got notice that XXXX XXXX dollars was spent on my card. I disputed with discover and they refuse to honor my claims. Im force to make payments on transactions I didnt do so it doesnt effect my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$480.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX$380.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I was checking my oldest credit account online as of XX/XX/XXXX, noticed it had been closed due to inactivity. I called Capital One in response to get it reopened, but they claim they can not reverse this decision. I was told it was closed XX/XX/XXXX so this was within 90 days that I was inquiring about this account and requesting it be reinstated. All of the contact information has been up to date, and I have not received any notices that this account was going to be closed. The representatives confirmed on the phone that no notices were sent. I also called again on XX/XX/XXXX to try and have the situation rectified but they claimed they could not reverse the account closure.
Product: Credit reporting or other personal consumer reports

Account information is incorrect they put one hard inquiry on report as XX/XX/XXXX just appeared I have not applied for any products at this time and this appears on my trans union credits report
Product: Checking or savings account

I was trying to withdrawal money from my checking account which would have left me with XXXX XXXX dollars in my account. And the bank would not give me all the money I was asking for this was Friday of XX/XX/XXXX and they told me if I came back Monday XX/XX/XXXX they may or may not give me my money then. I was asking for {$8000.00} and they gave me {$4000.00} but as it is XXXX this is not a great amount of money to have on hand for their a costumer. The world now of days is working in billions of dollars and this is such a small amount of money. I don't know how it works are what is expected of a bank but I would think this small amount should be available. Can a bank not at least guarantee to provide money the next business day for {$4000.00}?
Product: Credit reporting, credit repair services, 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.. 

Incorrect Address listed here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 rep 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In the month of XXXX I realized that my credit report contains an erroneous medical bill on my credit report in the amount of {$9300.00} posted as ; placed for collection on XX/XX/14 by Allied Collection Services representing XXXX XXXX XXXX. 

I was not aware of this debt until I saw this on my credit report. Apparently it was never submitted to my medical insurance I was never notified by the XXXX XXXX XXXX or Allied Collection Services. Thus, I have also turned this matter over to : Office for Consumer Health Assistance ( OCHA ) DHHS, Governors Consumer Health Advocate The above mention agency OCHA contacted Allied Collection Services and requested validation of the above-mention debt. Allied Collection Services then sent an illegible copy of a bill that contained an unknown name ( see attachment ) to the Office for Consumer Health Assistance ( OCHA ).
Product: Consumer Loan

My deceased husband 's son and now even a grandson gets calls at my home number for non-payment of loan. I am in no way connected to their loans. How on earth do these agencies get my number at home? I tell them I am not involved and my husband died in 2008. But several keep calling.
Product: Checking or savings account

Square merchant services terminated our account on XX/XX/2021. We are one of the largest marketplaces for XXXX and hemp-derived products on the Internet. 

They did not give any reason or elaboration. The fact that 90 % + of the brands on our site also use Square, and none have been terminated is very concerning. This is a clear case of prejudice and targeting one company over others. We believe we have been targeted or it's a case of prejudice  from people inside Square. 

If we can not take payments, we will not be able to pay our operational costs. Square did not even give us time to find another solution. It's unreasonable and unwarranted behavior, especially in a time when millions of Americans are suffering because of the Pandemic. 

We are in full compliance with federal and state regulations. We have a refund rate of less than 1 % and a 0 % chargeback rate, so we are not a risky account. This action by Square is extremely suspect.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was advised that by paying this collection it would be deleted from my credit and no longer negatively reported. it is still there even though i paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Transunion, XXXX and XXXX XXXX XXXX, I noticed Inquiries I do not authorize nor recall granting written authorization ( XXXX ). Please investigate to see if accounts : XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion ******Please make certain you have Perfect True Correct Verified Validated Claims of contract showing my wet ink signature, if not, and you find deficiencies with mentioned accounts please delete immediately. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have talked to several people at Transunion and explained that the inquires on my report that they have not deleted per my request that this is all Fraud.
Product: Mortgage

We mortgaged a home at XXXX XXXX XXXX XXXX in XXXX, South Carolina. We took out a reverse mortgage which was serviced by RMS ( Reverse Mortgage Solutions ). We put our home up for sale in XX/XX/XXXX. We decided to build a new home nearby. When it was time to occupy the new home, XX/XX/XXXX our XXXX XXXX property was not sold yet. We called RMS to tell them that we were moving out of XXXX XXXX and the property was still on the market. We were told that if the property was not sold in 12 months then RMS would take the property over. This is something we knew before we made this move.

After that we were the recipients of some startling events. Twice there were ominous notes taped to our front door stating that this property was determined to be abandoned or vacant. The note said to contact XXXX XXXX XXXX XXXX about our mortgage. Even though we did not have any relationship with this bank I called the number provided. I was told that they had no loan with us and there must be some sort of a mistake. 
There was also a vendor phone no. I called that no. and asked them about the note. They said that they did not authorize that process and someone must have put the notice on our door by mistake. 
Then I got a call from an appraiser who wanted access to our home. He said that the reason was that the mortgage company had declared bankruptcy on our behalf and that the bank was taking the property over. I checked with RMS. They claimed that I told them we were abandoning the property. Once they understood that was not the case, we thought everything was going on as usual. 
At the closing when we sold XXXX XXXX on XX/XX/XXXX there were some charges added to our payoff. The two signs posted on our door cost {$20.00} each, an appraisal for {$400.00} was charged to us, a property inspection fee of {$740.00} and a title examination fee of {$380.00} were charged to us. I called RMS on XX/XX/XXXX, the day we got our payoff statement, and asked them about the fees. I asked why these costs were accrued in the first place. The answer was that RMS authorized them " because we could ''!

I was told by RMS that I could protest the fees by sending them an email.

I have consulted with my real estate attorney and he recommended going ahead with the sale and protest the fees after the closing. He did not offer any other suggestion.
Product: Credit reporting, credit repair services, or other personal consumer reports

TC Report Number : ( to be generated ) I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX, MO XXXX XXXX Phone : XXXX Email : XXXX Personal Statement XXXX  XXXX XX/XX/XXXX Accounts Affected by the Crime Credit Card Opened by the Thief Company or Organization : the company Fraudulent Information on Credit Reports Personal Information Addresses : XXXX XXXX  XXXX XXXX XXXX Information : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 


XXXX XXXX XXXX
Product: Vehicle loan or lease

I XXXX XXXX entered into a consumer credit transaction with CiG financial on XX/XX/2017. A consumer credit transaction in which violations and fraud was commited. CIG financial did not tell me about my right of rescission pursuant to 15 usc 1635- right of rescission. CIG financial is criminally liable for all of these violation pursuant to 15 usc 1611 and 15 usc 1640.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX : XXXX XXXX, XXXX XXXX
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, has violated my rights. 

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

Equifax have placed my file in the consumer affairs department and refuses to block the fraudulent items that are on my credit report. Every time I call in to request they remove my credit file out of the fraud department, a lady by the name of XXXX XXXX is very rude and tell me it will remain in the consumer affairs department. There are fraudulent addresses and accounts that are on my file the department refuses to block and remove.
Product: Checking or savings account

Ally on line bank has customer service XXXX The problem you can never reach a real person, the wait times are sometimes XXXX hour and XXXX minutes, you can call at any hour of the day or night and never talk to a customer service person. 
I blocked from reaching my account information For example if a XXXX XXXX in maturing you have 10 days to make a decision or it will rollover automatically What if I want to withdraw my funds, I am blocked The reason I was calling customer service was to have the interest on mu XXXX  paid monthly I was blocked to on line access because I changed my email address and the verification code would be delivered to a closed email account
Product: Credit reporting or other personal consumer reports

Equifax failed to properly investigate and respond to complaint violating quite a few of my rights under the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSN : XXXX Equifax Information Services, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX  The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX The balance of this charge-off is wrong. 
Please provide proof of the charge-off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

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

This is an unfair system that should be ignored and taken advantage of, even though malpractice breaks many laws. The severity of not taking my situation seriously has resulted in financial harm, defamation of character and a 60 -day silence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX  XXXXXXXX XXXX  Account XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report
Product: Money transfer, virtual currency, or money service

On or about XX/XX/XXXX XXXX we received a check from Wells Fargo in the amount of {$50000.00} ( see letter from Wells Fargo. 

On of about XX/XX/XXXX we informed Wells Fargo we didn't own or have any knowledge about the property related to this check. ( Wells Fargo case # XXXX On or about XX/XX/XXXX we received a replacement check for the same amount. 

On or about XXXX XXXX we informed Wells Fargo ( again ) On or about XX/XX/XXXX we received a IRS form 1099 from Wells Fargo which I assume is related to the previously issued check.. 

On or about XX/XX/XXXX we notified Wells Fargo this 1099 should not have been issued. ( Wells Fargo case # XXXX. 

Wells Fargo to date has not taken any action regarding this matter, and we can not file out federal taxes before this is resolved.