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

I began working with a merchant in XXXX through the XXXX platform last year. I made two payments to them before I decided to enter into business with another merchant. I attempted to work with them to get my money returned to me but they instead insisted I stay up until XXXXXXXX XXXX to get on a video call with a manager whose intention was to bully me into continuing to work with them. 

I reached out to USAA and before I attempted to file the dispute, I asked the young lady if there was a time limit for disputes and she informed me there was not so I filed the disputes. Since USAA loves to let us know we are on a recorded line, they should be able to verify this. Now USAA is saying too much time has passed.
Product: Debt collection

After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : XXXX XXXX XXXX - XXXX - I do not recognize this at all. - Delete this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Bankruptcy on XX/XX/XXXX. However, XXXX is still listing companies as debts that appeared in my Bankruptcy such as XXXX Bank. It also listing XXXX XXXX  as a closed account when in fact it was paid off by XXXX XXXX in XX/XX/XXXX
Product: Debt collection

This is third attempt at fighting off the collection of this debt I have requested from the company debt validation and they have failed to validate the debt.

The company Calvary is stating that on XXXX XXXX2014 that it sent notice under 15 U.S.C 1692g which is required by law.

They're stating themselves in the letter that it was returned as undeliverable and they're right because I never received any letter or notice.

It is also been stated that Cavalry investigated the disputes and verified the information provided, however there's no accurate information to backup their allegation.

The person stated in the account who owes the debt it showed that it was a XXXX XXXX  now they're changing their allegations and saying that in the original creditor is a XXXX XXXX XXXX. I'm neither of those two names my names is XXXX XXXX XXXX requesting to have both of these debts removed from credit bureaus where they are been reported and cease collection records as they are not my debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has being going to the ER using my name since 2014. 

The police here in Alabama has just arrested the person, i contacted XXXX XXXX  with all the documents they asked me to send in, which was only the Police Report. 
I called in after i submitted the police report and they informed me all of the accounts were closed. 
So i disputed the collection and they keep verifying its accurate, this company is a crook. 
Please have them remove this fraudulent medical collections from my credit report immediately!!!
Product: Checking or savings account

XXXX XXXX XXXX Bank /checking / amount stolen XXXX XXXX company not working with me closed account number off all these accounts that were robbed and had identity theft and fraud done to them. I would also like a full refund from my accounts the person stole money from which is XXXX XXXX / Chase JP Morgan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 2. XXXX XXXXXXXX XXXX XXXX XXXX Fraudulently Filled Two online Applications. 3. First premier credit Card. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Checking Acct XXXX Fraudulently took XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Bank Acct XXXX XXXX XXXX XXXX. 
Filled out XXXX Credit Card XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ). XXXX. XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX. Acct XXXX Acct XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting these Affirm account XXXX as having a balance and being severely late however the data furnisher is reporting in my account on their website that I am being issued a refund due to the fact that the merchandise was never in my possession and therefore should not be reporting on my credit report. This is a clear violation of the Federal Consumer Reporting Act section 611 regarding the CRA sole responsibility of only accurate and verifiable information and the FCRA LAW 605B which enables this and all reporting that is fraudulent inaccurate and erroneous to be deleted permanently from the credit report. XXXX has violated this law on several occasions and I am seeking damages for lost of wage, shelter and creditability because of the inaccuracy of reporting for the amount of XXXX which account for the several occurrences in which I have had to reach out to XXXX regarding this and other inaccurate claims each occurrence of damages of XXXX per incident totaling 25 incidental occurrences.
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 dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear of neglecting this kind of complaint. Pursuant to offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. I have sent tons of dispute letters and complaints alongside my FTC report but you there at Experian are so firm with what youre doing, and thats disregarding my complaint. I reached out to the companies and talked to them about this situation and they agreed to remove the accounts from my file Is it that hard to understand where Im coming from? Common! This is not rocket science! Please comply with the law and DELETE the following accounts right away. 

XXXX XXXX, XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Following my divorce, my ex-wife, XXXX XXXX XXXX, fraudulently opened accounts in my name, without my knowledge or consent, and forging my signature, obtained and opened several accounts that I am not legally responsible for. I have attempted to rectify these issues with XXXX consumer reporting agencies, Experian, XXXX and XXXX in the past, with little to no success. I have filed a proper Identity Theft Report ( # XXXX ) with the Federal Trade Commission. All three of my credit reports contain several accounts that are a result of this identity theft. 

XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX  XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX  XXXX XXXX {$2400.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX  XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX  ( XX/XX/XXXX ). 
XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XXXX ( XX/XX/XXXX ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I opened a Truist bank account online in XX/XX/2023. I deposited the required {$50.00}. The next day, the account was locked. I can't access it or my money. I called and was told the account was closed. I got a letter saying it was closed and funds would be mailed in 10 days. After about 45 days I called and was told I must go to a branch with my ID. They said they will not be mailing a check until I do so. I specifically opened an online account so I would not have to go anywhere. I just want my money returned. They took it, never allowed me to access it, and won't give it back. I just want them to do what the letter said they were going to do. 

I'm also getting emails that I have a statement. I can't access it. This letter said the account was closed. Why would it have statements? I'm worried they're charging fees too. 

If they send a letter saying the account was closed, it should be closed! And funds returned!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1692c - Communication in connection with debt collection, I XXXX XXXX, Consumer, am demanding Discover Bank to Cease and Desist communication with my consumer credit reports, I do not give any consent for Discover Bank to report to any Credit Reporting Agencies on my behalf.

Pursuant to 15 U.S. Code 1681a ( 1 ) ( d ) Discover Bank reporting to Credit Reporting Agencies is communication, and as of XX/XX/2022 I cease and desist Discover Bank communication. 

Failure to comply will result in many fines. Thanks, Best regards.
Product: Bank account or service

I HAVE SAVING, CHECKING, DEBIT CARD, CREDITCARD AT THE HSBC IN CALIFORNIA BRUNCH. 
1-I CAN NOT USE MY ACOOUNT PROPERLY ON INTERNET BANKING WITH BIIL PAYMENT, BANK TO BANK TRANSFER, WIRE TRANSFER.DATA BASE PROGRAM INCOMPLETE, EACH TIME I REPORTED THE ON MY ACCOUNT WITH HSBC EMAIL SYSTEM .ALSO CHAT ROOM SUPPORT. HSBC STOP RECORDING CUSTOMER PROBLEMS ON EMAIL SYSTEM. 
2-MY DEBIT CARD IS NOT FUNCTION ON MY ACCOUNT WITDROW MONEY AT ATM ON INTERNATIONAL BANKING XXXX XXXX.BECAUSE HSBC DOES NOT HAVE INTERNATIONAL BANKING IN XXXX. I HAVE TRAVELED HERE IN XXXX FOUR DAYS WITHOUT MONEY WITH HSBC. 
I CONTACTED HSBC CUSTOMER INTERNATIONAL SUPORT GROUP NY, XXXX, XXXX .I REPORTED ALL THESE PROBLEMS WITH PIN, CARDS PROBLEM AND SO MANY CHECKING TO DO WITH CUSTOMER SUPPORT .THEY ALL HIDE THE PROBLEMS OR THEY HAVE NO INFORMATION TO TELL ME AS CUSTOMER DIRECT. 
HSBC HAS VERY BIG PROBLEMS AND UNFAIR DEALING WITH AS CUSTOMER. 
ILLEGAL HOLDING MY BANK ACCOUNT AND I CAN NOT TO USE MY MONEY. 
I HAVE NOT BEEN TREATED FAIRLY.HSBC BANK IS VIOLATING BANKING REGULATION AND CONSUMER PROTECTIONA LAW. 
SINCERELY, XXXX XXXX
Product: Vehicle loan or lease

In 2015, I worked at a motorcycle dealership XXXX XXXX XXXX in XXXX XXXX XXXX Ca. At the time the Sales manger had a motor cycle for me to use. I have him {$2500.00} To use the motorcycle as it was from an auction he bought used. Its currently on my credit report and I never signed a contract. I didnt have credit sufficient at the time and he new that he said he would take care of it. The creditor on my credit report is west lake financial. When I did try and pay the loan the account number I was given never worked and could not find me in there system. I could not make payments as I was not in the system and kept on kicking me off there phone system.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I am writing to file a formal complaint against American Express regarding multiple gift cards I received from my employer. The cards, issued by American Express, have proven to be entirely unusable, leading to significant financial inconvenience and frustration. 


Details of the complaint : Inaccessibility of Funds : Despite being marketed as widely accepted, these virtual American Express gift cards have been consistently declined across various platforms. I have attempted to use them for online purchases, in physical stores including restaurants and grocery stores, and even with digital payment services like XXXX XXXX, only to face rejection each time. 


Inadequate Customer Support : Upon contacting American Express customer service for assistance, I was met with a lack of resolution. Representatives were unable to provide guidance on where the cards could be used, and they offered no viable solutions to address the issue. Despite the company 's claims that these gift cards are accepted anywhere that takes American Express, the reality has been starkly different. 


Refund and Transfer Restrictions : American Express has failed to offer any meaningful resolution to this problem. They have refused to transfer the balances of the XXXX unusable cards or provide refunds. Moreover, the restrictions imposed on charging too close to the total card balance only exacerbate the problem, leaving me effectively unable to access my funds. 


False Advertising and Consumer Harm : The misleading advertising of these gift cards as universally accepted American Express cards has resulted in financial harm to consumers like myself. This system appears designed to exploit consumers, holding their legal tender hostage while offering no viable solutions. The lack of transparency and accountability in this matter is deeply concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries were made without my authorization. I would like to have them removed from my credit report as soon as possible. It is defamation of my character and livelihood to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent. 15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

I would constantly get notifications saying I got money on zelle but I didnt have XXXX so I contacted zelle to see whats going on. I spoke to the zelle people and they told me that the money would be on account if I made XXXX and so I made XXXX but still no money. So then I call zelle help back and they tell me to wait 2 days and the money should be there and well I waited 2 days and still no money. So I figured XXXX maybe it would come through later and so I thought I had a valid zelle when really I didnt and I lost thousands of dollars due to this because I would then start to tell my customers they can pay me using zelle but then I would never receive the money but they would send receipts saying it was sent to me so I would be confused. Then luckily I just wake up XXXX day and you guys said I couldnt log into my zelle anymore or some sort but I never got my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX  in XX/XX/2022. Several months ago I started to look into my credit reports. I saw several inquiries and collection agencies who had items being reported that were the same or duplicate reports. I sent XXXX XXXX mail to XXXX and XXXX regarding these issues. I never received any letters and or status regarding the report.I have also not seen any changes or new notes on these accounts. 

I want to know why my credit information is being shared with multiple unauthorized companies. In none of my credit applications did I agree to share my private personal information with whomever ( personal and or business ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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
Product: Credit card or prepaid card

THE HOME DEPOT APPROVED ME FOR A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) AND ON THE APPROVAL LETTER ITS STATING THAT GIFT CARDS CAN BE PURCHASED WHEN I RECEIVED MY PERMANENT CARD ( XXXX ) IN THE MAIL. THE HOME DEPOT IS TELLING ME OVER AND OVER VIA PHONE CONVERSATION THAT MY ACCOUNT CANT BE USED FOR GIFT CARDS. THIS IS A VIOLATION OF MY CONSUMER RIGHTS WITH ARIZONA LAW AND FALSE ADVERTISEMENT ON THE COMPANY BEHALF.
Product: Mortgage

I all ready filed XXXX complaint on this they did for close on my home wells Fargo and they sold my loan to XXXX  but XXXX  is there sister company but my ariginal loan was true wells Fargo the didn't offer me a modification and besides that they illegally sold my home that was paid off and the commissioner of my home town allowed them to do so I didn't reciec-ve any shurity because the home burnt and they had placed forcibly insurance on my loan to throw me in to XXXX and they also owned the insurance company so they got the money from the sell and also collected all the insurance money they basically ignored a federal judges ruling the judge ruled the home mine and payed off I put it in my sons name they went in court house and lied to the comishioner and allowed them to take my homethey only had interest on the land wells Fargo done so many illegal things on my loan it was shocking they put me in a loan that I never should have been in cause my income I'm XXXX and my sons XXXX the moble home was in his name and nothing owed on it they went in and took his name off it and I had to sepret tax bills the home was not tied to land through the pvaoffice please could I have some XXXX call me its been 5 years and we are living in a dump cause wells Fargo ruined XXXX credit over there greediness XXXX
Product: Money transfers

On XXXX/XXXX/2015 I went to MoneyGram at XXXX XXXX XXXX in XXXX XXXX, XXXX for transfer {$890.00} plus fees for my friend in XXXX, over the weekend he contact me for telling me that he ha been transfer to a XXXX on XXXX he never got the money that I send it to him, when I contact XXXX few days ago a female told me that the money was paid to my friend 1 hr. later on XXXX, she told me that she will sent a compliance for an investigation to my email, of course I never received, Today I call again and the person over the phone told me that they do n't ever request id for pick up the money, he does n't offer a solution, his a supervisor his name is XXXX and he refused to give me his last name but he offer me his phone # XXXX XXXX, he finish telling me that I was a victim of fraud. what make me upset is the way they manage the money transfer, is unsafe, I will never going to use this service again, I do n't have my money back and neither my friend, we do n't know who has it!!!
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed a number of fraudulent accounts on my profile, I have sent a number of disputes to the bureaus but have not got any resolutions. The fraudulent accounts consisted of the following. I sent out a number of disputes without any response or removal of the following fraudulent accounts. 


The Fraudulent accounts that I am referring to will be listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY
Product: Credit reporting or other personal consumer reports

I'd like to express profound dissatisfaction regarding the persistent presence of fraudulent accounts in my credit report. Following the reporting of this identity theft, I contacted the banks associated with the fraudulent accounts. While they confirmed the validity of the report, they indicated their inability to provide records. Nevertheless, they assured me that the fraudulent accounts would be expeditiously removed. It is noteworthy that both XXXX and XXXX have already expunged these accounts from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify these accounts when the aforementioned bureaus have already removed them. I urge you to delete these accounts from my file, as it is marred by inaccuracies, errors, incompleteness, or unverifiability. 

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