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

I was out of the country since XX/XX/XXXX in the XXXX XXXX. I discovered my card was missing around XX/XX/XXXX when I was contacted by upgrade to verify a charge. I notified Upgrade of the charge as fraudulent and marked other transactions as fraudulent going back to XX/XX/XXXX. Upgrade stated they would like a policy report and required a written statement for the charges. I sent that statement to them on XXXX XXXX. 
On XX/XX/XXXX Upgrade contacted me stating they require a police report along with a signed statement.. I called them the same day and explained I am out of the country until XXXX and have no way of obtaining a police report but the representative stated there is nothing else they can do. I provided them a letter with the information they requested and sent proof of my airline booking showing them I was out of the country in lieu of a police report. I can also provide additional documentation such as hotel bookings, charges made on my other cards showing I was out of the country the day the fraudulent charges were being made but I have not heard back since.
Product: Credit reporting or other personal consumer reports

I have disputed these UNAUTHORZED/INACCURATE accounts multiple times with EQUIFAX and they kept ignoring my request. So, I'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized/inaccuate accounts. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED/INACCURATE accounts and they need to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

About XXXX years ago, I signed up for a reserve line of credit with my bank. At the time, the bank teller told me that I would no longer be charged for overdrafts if I connected my checking account to the reserve line. As a result, I believed I was protected from overdraft fees by the reserve line. 

Twice this month, my checking account has overdrawn, causing the reserve line to kick in and transfer me money to cover the transaction. Each time I was charged {$12.00} -- my bank statement labeled that charge as " overdraft protection fee. '' I called my bank to complain, and was told that the free was not an overdraft fee, it was a " transfer fee. '' Which is a fee for transferring money, which I do n't pay when I transfer money from the reserve line myself. 

At a minimum, the bank is misleading customers by implying that they will not be charged an overdraft fee, particularly because the fee is still labeled an overdraft fee on my account statement. While they may distinguish between these fees internally, they certainly are n't transparent about their policy. If they had told me " a reserve line will allow you to access reduced overdraft fees when you overdraw your account, '' that would have been open and transparent. And it would have altered my behavior, because I would not assume I was covered by a reserve line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 4 derogatory accounts on my credit report with no creditor lkistged. I am unable to send out validation request because i am unaware who is reporting these accounts or if these accounts belong to me. I have sent 2 disputes letters to equifax since XXXX asking them to investigate these accounts and i have yet to receive a written response or see any updates on my credit report. 

Equifax unverifiable accounts- XXXX, XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX in XX/XX/XXXX when I noted that I was a victim of identity theft based on a hard inquiry on my credit report that I did not initiate. During this communication, they indicated that it was marked as fraud. Once it was marked as fraud they told me it would be removed from my credit report without any further action. 

Today, XX/XX/XXXX, I noted that this hard inquiry remained. I contacted XXXX  XXXX again and after speaking with a CSR, a XXXX specialist, and a supervisor, I was told that they would not be taking care of it, they marked it as fraud, and in order for me to get it removed I was required to send them a letter containing my name, address, telephone number, FULL SOCIAL SECURITY NUMBER, and a copy of my credit report. I reminded them that I was just a victim of identity theft and was not comfortable sending this amount of confidential information in writing and potentially expose my self to identity theft again. I offered to submit and online request or to send a letter without this type of confidential information. The supervisor, XXXX, informed me that there were not other options and if I wanted this corrected I would be required to send this confidential information how they requested. 

It is not appropriate to require a victim of identity theft to send this type of confidential information by main in order to rectify identity theft. This needs to be resolved internally by XXXX XXXX as promised.
Product: Student loan

Since I have started repayment on my parent plus loans for my children, I have had to call in monthly as something is always wrong. I could be all say they are repayment except one when I have asked for them to all be repayment, eft money has been taken out on a different date with out my knowledge or consent, online statement and loan information does not match or reflect a true payment amount or posting timeframe or amount. They tell me they will fix something and they do not fix it in a timely manner causing me to call back. I no longer trust the business or the rep that I am talking to. I have never had a month of satisfaction yet. Before I heard the news about being sued I had already started researching how to pull these out of this serving company. I would like to be able to take this to my local trustworthy bank.
Product: Debt collection

XXXXXXXX XXXX at XXXX opened a loan under my name on XX/XX/2019 showing my employment with XXXX XXXX and XXXX XXXX. At the time I had already stopped working with XXXX XXXX and XXXX XXXX and I did not take out this online loan. The dates and details of this loan do not pertain to me. This loan was not opened by me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Account : 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 of 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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion dated XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/XXXX, DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
XXXX is reporting old information in which according to FCRA are old accounts and they can be removed from my credit file. I requested via fax again for the removal of the old creditors and the old account haven't been removed. This is the account in which I am asking to be removed from my credit XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX XXXX, 2018 Balance : $ XXXX I am no longer liable for this account. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received am response from them, please help me immediately delete these accounts. Here I add the FTC repor hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX car sales ran my credit 3 times, i only authorized them to run my credit one time. i spoke to the credit manager XXXX at XXXX car sales in at XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX XXXX XXXX several time and told him only to run my credit one time. 
He ran my credit 3 times. 2 times with TRANSUNION for XXXX XXXX XXXX, on XX/XX/2019 and XX/XX/2019. XXXX told me thereafter that XXXX XXXX HAD DECLINED THE LOAN, HE SPOKE UNTRUTH. 
XXXX XXXX XXXX TOLD ME BOTH TIME THEY DID RUN THE CREDIT AND BOTH TIME THE LOAN WAS APPROVED. 

Then XXXX XXXX XXXX ran it again 1 more time with XXXX for XXXX XXXX on XX/XX/2019. 

2 TIME THEY RAN MY CREDIT UNNECESSARILY AND WITHOUT MY APPROVAL ANOTHER PROBLEM WITH XXXX XXXX XXXX IS THAT THEY PAID XXXX FOR THE CAR BEFORE IT WAS DELIVERED TO ME AND I HAD A 45 DAYS BEFORE THE FIRST PAYMENT WAS DUE AND THE REFUSED TO ADJUST IT, TELLING ME I HAVE TO FIGURE THAT OUT WITH XXXX XXXX SALES IT MAKE NO SENSE. 

ANOTHER PROBLEM IS THE INTEREST RATE ON LOAN WAS 3.99 %, THE MANAGER SHOWED IT TO ME ON THE COMPUTER, AND WHEN THEY GAVE ME THE PAPER WORK ITS NOW 5.99 %, THIS IS FRAUD.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and outdated personal information ( addresses, phone numbers, and employment ) remains on my credit report. I previously requested the removal of this outdated information from all three credit bureaus ( XXXX, XXXX, and Experian ), but my request was ignored or not fully addressed. This outdated information is no longer accurate and poses a risk to my privacy and identity security. 
The outdated information includes old addresses where I no longer reside, old phone numbers I no longer use, and incorrect employment history. This information has caused issues with receiving personal and important mail, as it is being sent to old addresses that I can not access. I am worried that my sensitive information may be compromised further due to this inaccurate reporting. 
I have contacted the credit bureaus on [ insert previous request date ] to have this old information removed but have not received a satisfactory resolution. The credit bureaus are required to ensure that the information on my credit report is accurate under the Fair Credit Reporting Act ( FCRA ). The continued reporting of these outdated addresses, phone numbers, and employment violates the FCRA, as the information is neither accurate nor relevant to my current situation. 
I am requesting the CFPBs assistance in ensuring that the credit bureaus immediately remove all outdated personal information from my credit report and provide confirmation of the removal.
Product: Credit reporting or other personal consumer reports

This morning, I discovered that my credit report contains incorrect accounts, and I have no idea how they got there. I regularly check my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Given this issue, I request a thorough review of the documents I have submitted so I can have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These. fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the federal trade Commission and I also attached copies of the federal trade commissions identity theft affidavit. please remove these items as soon as possible
Product: Debt collection

AT & T AND XXXX XXXX XXXX BOTH HAVE NOT CONTACTED ME BACK REGARDING THE LEAK OF PERSONAL INFORMATION ABRITRATION IS NEEDED REGARDING THE ISSUE XXXX XXXX STILL HAVE NOT RESOLVED THE ISSUE XXXX XXXXXXXX SAID THEY WOULD INVESTAGATE THE ISSUE NOW MY XXXX XXXX XXXX XXXX IS OUTSTANDING AND I CANT RECIEVE ANY POWER IN MY UNIT BECAUSE OF THE ISSUE I HAVE DONE ALL I CAN DO ABOUT THE ISSUE I NEED HELP IM A VICTIM OF IDENITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report .I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any transactions previously made by me the consumer. 

Wells Fargo credit card inquiry dated XX/XX/XXXX Wells Fargo credit card inquiry dated XX/XX/XXXX Please remove these inaccurate inquiries off my report
Product: Credit card or prepaid card

During the time frame of XX/XX/2022 through XX/XX/2022 multiple purchases were made through a single merchant portal, XXXX, on my Chase Sapphire Reserve Card. 
The purchases that were made were enhancements to a service. The service quality had severely diminished over the course of the use ( disconnections, removal from the app store, inability to log in ) to the point that the service is no longer accessible to me. I had attempted to contact the merchant on multiple occasions with no response. I attempted to contact XXXX but they pointed me in the direction of my credit card issuer. 
As the service / product that was purchased was no longer being provided I had filed disputes for all charges to this merchant, XXXX, between the dates of XX/XX/2022, and XX/XX/2022. These disputes were denied by the credit card provider stating that they did not protect their consumer for these types of purchases. 
My rebuttal at the time was that these services were purchased and then removed. I no longer have access to the product / service which I had purchased. It would be like if I had purchased a car, been given possession of said car, and then the dealer removed the engine from said car after a specific period of time. While I had received the product, it was rendered unusable.
Product: Debt collection

Called - XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX both from ( XXXX ) XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XXXX Each time they have called I have requested they no longer contact me via phone, requesting that written correspondence be sent to my address on file. Each time I ask if there is a note in the file detailing that I have requested not to be contacted by phone, in which they verify that they are aware that I do not want them calling me. Call on XX/XX/XXXX the gentleman stated that he mailed a letter on XX/XX/XXXX regarding the two day delinquency, but was calling anyways.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/2022, I fell victim to a scam call that started around XXXX and lasted until about XXXX. During this time I was put under a lot of stress, manipulations, threats, intimidation from the scammers ( man & woman, although man was doing all the talking, the woman was making commentary in the background ) to the point that I was coerced to send them money, {$5000.00} ( two separate payments of {$2500.00} ) was taken out of my checking account via XXXX. 
The con artists called me from this number XXXX. The money was transferred to someone named XXXX XXXX who apparently is enrolled at receiving bank institution as XXXX XXXX XXXX XXXX XXXXXXXX " I called the bank to report the fraud as soon as the phone conversation ended and soon after I also reported the incident to the police. The bank representative mentioned via email that it was unlikely that I would receive funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported to XXXX ( XXXX ) different banks negative information. I.e. A Bankruptcy. I called made dispute and Equifax swears up and down they gave no information like that to these banks. The XXXX XXXX XXXX, XXXX Tx. Told me that Equifax reports a bankruptcy, that was in XXXX 2017.  XXXX XXXX, reported to this bank a bankruptcy just 10 days ago. And now, XXXX XXXX took XXXX dollars away in my credit card for the same misinformation. When I called Equifax on XXXX XXXX, 2017, I told them this, they told me they have no Bankruptcy on file. Well, I would like to know where these XXXX banks got their information? All XXXX have told me personally Equifax supplied this information, I want these banks contacted immediately and told the truth. Thank you for your time in this matter.
Product: Credit reporting or other personal consumer reports

I applied for a XXXX XXXX credit card on XX/XX/XXXX XXXX XXXXXX/XX/XXXX. XXXX XXXXXXXX denied me saying " they couldn't adequately get my report because it was frozen ''. My credit was frozen at the time. I then went to unfreeze it to reapply, however, before I reapplied they already put a hard inquiry on my report. I checked my credit score to see XXXX hard inquiries one on the XXXX and one on the XXXX. I sent a letter to XXXX XXXXXXXX to have it removed over 75 days ago but I have not heard back. Please have these reports removed, thank you.
Product: Credit reporting or other personal consumer reports

I did not made these inquiries and considered to be fraudulent.
Product: Checking or savings account

I recently discovered I had {$17000.00} missing in my business checking account. They not only emptied my account, they maximized my overdraft too. I now owe all this money. Somebody used my information to create ACH payments. 

The bank ( HSBC ) informed me they won't be able refund me as it was over 48hrs to notify them. I was over sea 's, that was never possible. Their management have been very helpful in beginning an investigation. However, I am still not protected. What other options are available outside of the banks investigation? ( they are contacting the vendor 's who received the payments to request a refund ). To date, the vendors have not refunded us.