23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Didn't get notified in written notification to my physical mailing address that is used as a security verification process to prove my identity to alert me that my email was changed to one that didn't belong to me where was one way to notify of activity on my account. 
Was never aware of additional accounts opened and money then transferred to this fraudulent accounts. 
That someone was able to open by providing my documents that where on my email account that was being access by someone else 's without my knowledge until I lost access and was able to regain access to it in XXXX  when I uncovered much of the fraud. That I have provided to only be told nothing can be done as for the amount of time gone by regardless of my attempts in the past of reporting suspiciousness fraud and never receiving any assistance in reviewing confirming or confirming the activity on my account. That allowed the theft
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
____________________________________________________ XXXX XXXX XXXX XXXX XXXX Reference number - XXXX Record type Bankruptcy XXXX XXXX-discharged Court : - XXXX XXXX XXXX XXXX XXXX ___________________________________________________ XXXX XXXX XXXX - Balance - {$540.00} Account number - XXXX XXXX XXXX XXXX XXXX Balance - {$560.00} Account number - XXXX XXXX XXXX XXXX Balance - {$0.00} - Balance updated - XX/XX/XXXX Credit limit - {$1300.00} - Account info Account number - XXXX XXXX XXXX XXXX - Credit limit - {$500.00} Account number - XXXX XXXX XXXX XXXX - Balance - {$560.00} Account number - XXXX XXXXXXXX XXXX XXXXXXXX - Account number - XXXXXXXX XXXX - Paid off XXXX Original XXXX XXXX {$720.00} Account number - XXXX ____________________________________________________ XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX ____________________________________________________ 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Credit card or prepaid card

in XXXX i ordered a purse never got it XXXX credited it i also disputed it i just spoke to XXXX they said they creidted it for XXXX still its showing on my stmt at Amex i have been a customer for years why is it there? how does it come back 4 months later and i still have no purse. please resolve this appropriately asap i am not paying for that which i did not receive.
Product: Bank account or service

On friday XXXX XXXX 2016 I went to wells fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to open a account with wells fargo checking and saving and I call early moring services and for some reason I can not get to them it doesnt take me to speak to a representative to find out about opening a account with wells fargo that have been declined to my request.. thank you
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts resolved. I've received numerous notifications stating my email and info has been exposed in dark web. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was sent to Equifax regarding an alleged XXXXXXXX XXXX charge off account XXXX. Equifax did not verify and update the account as " disputed '' on my credit report. 

This is a violation of the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Delete the inaccurate information immediately.
Product: Debt collection

Dear Sir/Madam, I am writing to dispute the validity of an item on my credit report. According to my credit report from [ Credit Bureau Name ], there is an open account listed under collection account number XXXX. The details of the account are as follows : Account Type : Open account Bureau Code : Individual account Date Opened : XX/XX/XXXX Balance : {$3900.00} High Credit : {$3900.00} Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer Date Last Active : XXXX dispute this account for the following reasons : Lack of Validation : I have not received any validation or verification of this debt from your agency. As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive validation of the debt upon request.Incorrect Reporting : The reported balance of {$3900.00} is inaccurate. I have no record of owing such an amount to your agency or any other creditor.Compliance with Reporting Guidelines : The reporting of this account does not comply with the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) .I am requesting that you provide validation of this debt as required by law. If you are unable to provide proper validation, I request that you delete this item from my credit report as it is inaccurate and unverifiable.Please investigate this matter promptly and provide me with written documentation of the results of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Hello, yesterday, XX/XX/2023, I attempted to use my Navy Federal credit union online mobile app for a check that I needed to deposit. I have been banking with them for almost 20 years. I am a private XXXX. Interestingly, I investigate fraud. I cash my checks from other private investigative companies, and usually the same ones. I scan and upload my checks the same way every time and have never had any issues.

My deposit was denied five times in a row, and the only reason the email gave was very vague. So I called Navy Federal and they put me on hold for about 30 minutes because the associate did not understand why my check was denied either. She indicated that her and her fellow employee could not understand why my check was flagged and they both saw that it was from the same company that I cash checks from. She told me that she shouldnt be telling me this, but they have been having glitches all day and they had a system update. 

She told me that my mobile app would not allow me to cash checks, and I have no idea when it will allow me to. So luckily, there is a XXXX in XXXX, but I travel a lot and now Im not able to cash my check anywhere until I get back into town this is absolutely ridiculous and they still have not responded to my email requests to unlock my deposit feature on my mobile app.
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergant Outsourcing is reporting on my credit false information. I have proof from screenshot of my XXXX XXXX report & Convergant Outsourcing letter to me. Dates not matching, XXXX  and XXXX  states account was open XXXX but Convergant Outsourcing clearly typed letter saying the account was opened 15 days later which was XXXX. I feel they all are taking advantage of me and future of my credit. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My visa card with a {$4400.00} limit is reporting twice on my XXXX  credit report.
Product: Debt collection

Reference XXXX I reject your offer to contract. I did not consent to any nonaffiliated third party being in possession of my nonpublic personal information. This is a notice to cease and desist all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claims act. I would like the name and address of the original creditor as I have reason to believe that you both are conspiring to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in any further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies, I will file suit for intentional infliction of emotional distress.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. 


I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I believe may have been an error or the result of a delay in payment processing or misreporting on the creditors part. I have attached relevant documentation to support my case, including statements that show my timely payments and other evidence highlighting the error. 


I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Product: Credit card

On XX/XX/2023 I dropped off my new equipment to be serviced to XXXXXXXX XXXX XXXX XXXX. There was a manufacturer defect which they promised to take care of since it was under warranty, equipment was purchased less than two weeks prior to this.

Equipment was fixed and I noticed that my Chas

e Visa debit card was charged {$3100.00} for the repairs. Since I was told that this will be covered under warranty, I was surprised so I gave him a call, and they promised to reimburse me the full amount.

About two weeks went by, and nothing happened about receiving the refund from XXXXXXXX XXXX XXXXXXXX XXXX. So I decided to call my bank Chase and open up a dispute. We disputed an amount of {$990.00} because it was what they thought it was fair due to labor cost, they said that parts cost will probably not be refunded since the work was performed. 

This was about XX/XX/XXXX. We did receive the {$990.00} from our dispute. However the vendor contacted us and told us that they were deducted XXXX from Chase and whether we had opened two different disputes, we said no we only open one dispute for XXXX. After speaking to Chase every day for almost 2 weeks trying to figure out where this extra {$1000.00} came from, they realize that they had erroneously done a chargeback of {$1000.00} to XXXXXXXX XXXX XXXXXXXX XXXX along with the {$990.00}. 

Weve been in contact with Chase for many weeks almost every day and been told that XXXX XXXX XXXXXXXX XXXX will be refunded their {$1000.00} by the end of XXXX and that the dispute was already resolved and it was in Visas hand to refund XXXX. Its now XXXX and they still have no idea where the {$1000.00}, Chase says that Visa has the money and visa says that we have to take it up with Chase. 

How this affects us is, XXXX XXXX XXXX XXXX has promised to refund the full amount of {$3100.00} however because they were overcharged by Chase with an erroneous 2nd dispute that came in as a chargeback, they can not refund us that remaining {$1000.00}. 

To summarize, weve only received {$2100.00} because the other {$1000.00} is in limbo waiting on visa to refund XXXXXXXX XXXX XXXXXXXX XXXX. So that XXXX  can refund us.
Product: Vehicle loan or lease

Acts 2005, No. 296, 1, eff. XX/XX/2005. 
Limits on creditor interest rates XXXX. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/2005, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 


Home of record is Louisiana. In Louisiana they have state XXXX laws due to being in a KP state. These laws are for XXXX XXXX service members loans that were open before or AFTER entering XXXX XXXX. 

I have provided documentation on these LAWS 2 times and been denied. They are not willing to help lower the interest rate per Louisiana laws
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I discovered unauthorized accounts on my credit report during a recent review. Kindly remove these fraudulent entries, as they are obstructing my ability to obtain credit. These accounts are unfamiliar to me. 

Name : XXXX  Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$5100.00} Name : XXXX Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$3000.00} Name : XXXX  Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, & XXXX NEVER perform a real Investigation. Therefore, I have commenced the process of litigation in the federal court system... .. ... XXXX XXXX To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached - to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system Case XXXX XXXX XXXX XXXXXXXX in XXXX XXXXXXXX XXXX XXXX Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Consumer credit report. Please delete ALL of the Following : 1 ) XXXX XXXX XXXX {$530.00} acct # XXXX XXXX ) XXXX XXXXXXXX {$63.00} XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} acct XXXX XXXX ) XXXX XXXX XXXX {$300.00} XXXX.. I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and notice an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies needs to report all information with complete accuracy. This account has not been late on payments, I've attached of my credit report to this complaint on the following dates ( XX/XX/year> ) I am now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized accounts on my report. I would like to get it removed if you can not provide proof such signature that i provide these account. According to the FCRA Any inaccurate account that is not 100 % verifiable or accurate must be removed. Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance Owed : {$940.00} Equifax is reporting a different information from other bureaus. This account was never late and I always make my payments on time. This account is only reporting as late in your bureau. If your record keeping had been accurate, this account should have never been late. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. Thank you. 

XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all late immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you. 

XXXX XXXX Balance Owed : {$3200.00} - Equifax Credit Bureau is reporting different information from other bureaus. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you.
Product: Payday loan, title loan, or personal loan

I been out of work for 5 weeks. I do receive ssi about {$530.00} a month. But right now it's just enough to pay my rent and food bill. I have made numerous calls to check n go but I have not been able to get my payments deferred until I get some money I always pay my bills on time nothing I can do right now until the economy open up or I get unemployment I'm waiting on stimulus check nothing came yet
Product: Credit reporting, credit repair services, or other personal consumer reports

The Lender XXXX XXXX has inaccurate reporting on my credit history. First with transunion XXXX. XXXX. XXXX the are report my account as okay, but on experian it's reporting as 30 days late XXXX. XXXX. XXXX. I called to try and right this and they claimed everything to be reporting correctly. I have confirmation emails proving that payments were made on time to account. 

Lender is also reporting that I had one 30 days late payment in XXXX of XXXX, that is inaccurate, I have XXXX XXXX confirmation on XX/XX/XXXX amounts paid of XXXX to the lender to prove that information false. Original amount monthly payments were only {$410.00}.
Product: Credit reporting

Incorrect information is listed in my collections section. The collection agency, XXXX XXXX has reinserted a previously deleted account with false information. This is an account that I am no longer liable for and has now been added back on my report with incorrect dates as it is extremely past the allowed time limit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the following listed creditors listed below have 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 an account without my written instructions. 

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

This is my complaint for you to notify that I want you to delete those items that are seems to be fraudulent on my credit file. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. These are the following items needs to delete : XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX, XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXX, XXXX XXXX Balance Owed : $ XXXX, XXXX, XXXX XXXX XXXX XXXX Balance Owed XXXX $ XXXX XXXX  XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX Balance Owed : {$180.00}.