23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint regarding Equifax. Back on XX/XX/2021, I filed a complaint that the company did not respond to my certified letters nor phone calls to correct my credit report per my letters, but also they did not send me a credit report as per my multiple requests. It has been approximately 30 days and I have still not heard anything from Equifax, neither any corrections, nor a letter nor a hard copy of my report. They have ignored me and your agency! This is outrageous behavior, no wonder they are screwing up my credit! Attached I have included the earlier three rounds of certified letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all in 2021 ) for the correction of my Equifax credit report for inaccuracies and for Equifax to send me an updated credit report as I did in my earlier complaint. Please do something to make these people correct/ send me my credit report!!!.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian account has been hacked, the email address was changed. The hacker has removed my credit freeze which was protecting me. Calling their XXXX does not have any option to help regain account access or even speak to a support representative. The result is that I no longer have any way to access my account or regain control from the hacker. 

The result of this breach is that I have been contacted by XXXX XXXX and XXXX regarding new cards that have been requested without my authorization, consent or knowledge. I was able to deny these requests once XXXX XXXX and XXXX contacted me, but I am still vulnerable due to this Experian account hack and their inadequate automated contact options. Experian account security is weak and once someone has hijacked your account there does not seem to be any reasonable and XXXX  way to regain control of the account. Help please!
Product: Debt collection

We mailed them a letter to dispute the debt and never received verification back. They have been calling me, and the debt has gone on my record and I have yet to receive a verification of the alleged debt. 

We ( XXXX XXXX XXXX and myself ) have mailed the letter of dispute on XX/XX/XXXX by priority mail. The tracking is : XXXX XXXX XXXX XXXX. It reached them and was signed for at XXXX XXXX  on XX/XX/XXXX by XXXX XXXX. This was mailed within the XXXX day period. 

They have since called me on XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX, & XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  Again, I have yet to receive any verification of debt from the company but they continue to contact me and place the debt on my credit report
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX  XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX , XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit card or prepaid card

I have the Apple Card and my complaint is about the deceiving way their Daily Cash rewards system works. On XX/XX/XXXX I purchased an item for {$260.00} from a physical XXXX XXXX and returned the same item on XX/XX/XXXX and received a full refund. Since I had already paid the amount using my checking account, I requested that Apple refunds my checking account. They deducted {$7.00} from that amount, and provided no explanation other than it was a Daily Cash adjustment. My account, as viewed through the XXXX app on my XXXX, showed a XXXX balance before this purchase. I contacted customer service through chat twice and spoke to a supervisor on the second chat.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX, XXXX Social Security XXXX : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$5900.00}, XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1600.00}, XXXX, XXXX Account # XXXX XXXX opened XX/XX/XXXX bal. {$860.00}, XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$790.00}, XXXX. XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$460.00}, self financial/lead XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$180.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. Below I have listed the fraudulent accounts on my credit report that should be removed. 

Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX   Date:XX/XX/XXXX Company : XXXX XXXX   Date:XX/XX/XXXXCompany:XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX   Date:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date:XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/2019 I went to XXXX XXXX located on XXXX XXXX XXXX XXXX XXXX OH XXXX to purchase a vehicle for Personal use. I had help from XXXX XXXX to get a XXXX XXXX XXXX  and the Agreement to my Knowledge now is Deceptive and Misleading. There are also billing errors. I had a closed-End agreement with Chrysler Capital as the alleged creditors. I had no idea how misleading and deceptive the entire transaction was as I am aware of today. I can break down how XXXX XXXX and Crysler Capital are in fault of misleading and deceptive business practices. I called to get refunded all Credits and payments to for the Use of my Credit. Also the Contract being A Consumer Credit sale Transaction and to be able to keep the vehicle for personal Damages
Product: Credit card or prepaid card

XXXX XXXX XXXX I have had my PayPal account for a little over a year. I've only had 1 transaction me paying for a XXXX account. I had gotten locked out of my Re-Employment account and was unable to claim 17 weeks of unemployment. Finally it was unlocked. The DEO deposited a little over {$5000.00} into my PayPal account. I initiated an instant transfer to my bank, it was denied. I tried a regular transfer, denied. i tried requesting a check be sent to me, denied. I tried sending money that I owe a friend for helping me pay rent. That transaction was denied as well. I added another account and tried transferring MY money out, DENIED. I sent a message requesting help. I was answered by my account being limited and having to verify my identity. I did immediately. It passed verification and limits lifted. I tried again to transfer money out and was answered with limits again. I had to answer questions about where my deposits came from and why i received it. I explained my situation with FL DEO and unemployment. Keep in mind Paypal was advertising to have your government checks direct deposited into your PayPal account. I did what they advertised and now i have no access to MY MONEY! I logged into my PayPal the next morning to find PayPal had closed my account and I would not be able to access my money for 180 days. They said I violated their terms and agreement and gave me no explanation. I requested their evidence as to what I violated, no answer. Paypal is holding my funds illegally. They are in breach of their own contract. The Paypal Balance Terms and Conditions states : " Hold your Balance Account balance for up to 180 days if reasonably needed to protect against the risk of liability or if you have violated our Acceptable Use Policy ; '' There is no risk of liability because I have not abused my paypal account in the past, i have no chargebacks, or even recent transactions. I only wanted to transfer MY MONEY out. I verified all my information and explained my money came from Unemployment. I did not violate their Acceptable Use Policy either. PayPal is not responding to my request for sn explanation as to what terms and conditions I supposedly violated. Due to their own Breach of Contract they have bo right to hold my funds for 180 days and collect interest illegally
Product: Vehicle loan or lease

In XX/XX/XXXX, I purchased a new vehicle and financed a small portion of the amount. I received an introductory letter from the company which indicated I could set up auto payments, which I immediately did through the loan company 's website.

In early XX/XX/XXXXI received a statement from them indicating I missed my payment and there was a late fee charged. On XX/XX/XXXX I called up the company to straighten this out. Their representative looked up my account and said I was not in their system for auto pay. I then made my payment on the phone, including the late fee, which I asked to have removed and they refused to do. I then had this person assist me in setting up the auto pay. Once it was all set up, this individual put me on hold and checked the system to make sure I was set up in the auto pay program. They came back on the phone and informed me everything was set up. On XX/XX/XXXX, I called again and asked the person who answered to make sure I was set up in auto pay. They put me on hold to check. When they came back on, they informed me I was not set up with their autopay system. This sounds like a scam to make more money by charging late fees.
Product: Checking or savings account

My family and I have been Wells Fargo customers since the late XXXX. We have several accounts with Wells Fargo. Our customer service experience over the years has been good at times and not so great at other times. It is our most recent terrible customer service experience that has me trying to get in contact with someone who can help us. 

On XX/XX/2024 I discovered that someone had stolen my daughter 's debit card and had been draining the joint account she and I share. Most of the withdrawals occurred on XX/XX/2024 and were labeled pending when I called Wells Fargo to alert them to the fraud and close her card. We went back over previous days and found that {$9800.00} had been stolen from our account. Over {$6500.00} had been stolen on XX/XX/2024, which was over the daily limit for the debit card, so I don't know why the bank even allowed those to go through. Since the thief was using an XXXX XXXX to get XXXX XXXX, the Wells Fargo Claim Advisor told us to call XXXX. XXXX was no help at all. We were also advised to file a police report, which we did that same day. Wells Fargo Claims told us we would be contacted for more information if needed. They never followed up to ask for the police report. I reached out to them after I received their denial letter and asked if they would open the claim up and accept the police report. They provided an email for me to send the police report to, and I've not heard anything further. 

The police said the process of getting XXXX to share information is a long one, but they have submitted subpoenas in our case. The detective thinks her card information was stolen at a gas station the night before all the fraudulent charges began. 

I was discouraged by the claims advisors on the phone, stating that it was unlikely that we would get our money back. My husband went in and spoke to a banker in a Wells Fargo branch and they assured us that we were protected against fraud. However, our claim was denied. Anyone can look at the account 's history and see that the activity was abnormal. I submitted the police report on the claim, hoping they will revisit the issue, but I'm not hopeful with the negative attitude I get from all the people I speak with in the claims center at Wells Fargo.

This issue will be resolved to our satisfaction when 100 % of our {$9800.00} has been refunded to our account.
Product: Credit card or prepaid card

During the summer, I deposited {$750.00} in this American Express Serve account from XXXX XXXX checking account. In XX/XX/XXXX of this year. I got an email stating my account was being permanently suspended. I could then no longer look at my account on line. So Not sure of balance I called them and was told the account was suspended due to " funding source. '' He would Not explain any further. I then cut my card and wrote to their main office in XXXX XXXX asking for explanation. Received nothing. I believe I had a few hundred dollars on the account. But had n't looked for a time. I called again today and got that it was a fraudulent deposit from XXXX XXXX. After thinking about it, I had automatic deposits of {$75.00} for several years. And, coincidentally, I had to open a new account with XXXX during this time. So, the only thing I can think of is one of those autimatic deposits must have been made from the closed account. What a Poor way to handle a good customer ... ..IF that is what happened, I made a mistake ... .NOT FRAUDULENT EVENT. They did n't even check with me like most businesses. That was Just wrong!!! And, I do n't know If that is What happened!!! And, They said I have No money. How do I know that They difnt keep it for FEES. 
They Just cut me off and added on the phone today " You may never apply for an American Express card '' who would want to!!!
Product: Checking or savings account

Dear Commissioners : On Saturday, XX/XX/XXXX, I opened a Business account for XXXX XXXX at XXXX Bank in XXXX. The Manager told me that my funds would be available on Monday XX/XX/XXXX. 
On Sunday I deposited a XXXX XXXX dollar check by ATM into my Personal Santander checking account for XXXX business day. 
Unfortunately the funds in my XXXX  accounts were not available as promised and the check was returned. I was charged XXXX dollars from XXXX and XXXX dollars from Santander. 
On XX/XX/XXXX, I wrote a new check for XXXX XXXX dollars and deposited in my Santander account for. 
I spoke to a woman in the fraud dept. explained what happed with the first check and she said everything would be fine if the XXXX XXXX dollar check cleared. 

They also impounded all my money my previously available funds and closed all transactions and did not pay my credit card due payment to XXXX or aloud me withdraw any money from their ATM. 
Someone spoke to me directly at the XXXX office by phone from fraud dept. and told me the suspected second check for XXXX dollars was also suspect for fraud even as I explained that I deposited that check personally at this branch with a teller using my debit card information on site. He went on and stated that we dont know if someone forged your signature even though bank surveillance would show that I deposited the second check for XXXX XXXX dollars personally. His implications were clear, I was under investigation for fraud if convicted or even accused of fraud, and I would lose my professional licenses. I have lost much sleep by the stress created by Santanders policies as punishment for my aggressive pursuit to right this injustice. 
On XX/XX/XXXX I again spoke to a fraud customer service XXXX and told him the entire story of the XXXX XXXX dollar check and he spoke to his XXXX and he sent a confirmation number to my phone and he said my account was free of all restriction and I thanked him. 

Later that day, I tried to long online but was denied. The next I tried to use my Debit for gasoline in my daughters car and was denied. 
On XX/XX/XXXX the fraud dept. Rep said that the XXXX dollar check review was still in process and it will be several more days to review. 
My money is being held up along with many bills that are not being paid because of my persistent follow ups with the bank and perhaps because I told them that I was going to close this forty year account for this autocratic punishment XXXX enduring. 
XX/XX/XXXX still locked account. My Santander personal loan was not paid by my account due the XXXX of XXXX. Even though I had funds available. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Ma. XXXX XXXX my money so I can pay my bills and sanction the bank for purposel
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was remove from Transunion 2 months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic on the same day i got approved for my car loan. 
I have requested XXXX to please provide proof of me giving then my signature for this credit card. My request is for Transunion to delete this account one and for all from my credit report. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Date Opened : XX/XX/2020 Responsibility : Individual Account Loan Type : CREDIT CARD Revolving Account Balance : {$12000.00} Date Updated : Payment Received : Last Payment Made : High Balance : Credit Limit : {$12000.00} Past Due : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report and doing some research I noticed that was reporting on my credit report but is in violation of my rights as a consumer in several different ways for one the IRS say After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. 
I never received a 1099c. The IRS also stated the amount of the canceled debt is taxable and you must report the canceled debt on your tax return for the year the cancellation occurs.. If that debt is taxable income to me and charged off from your company why is it still showing on my credit report with a balance of XXXX. This is inaccurate information reporting on my credit report. ACCOUNT # XXXX In violation of FCRA 15 US Code 1681b ( a ) ( 1 ) ( 2 ) permissible purpose In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
In accordance with the written instructions of the consumer to whom it relates.

Violation number # 3 FCRA 15 US Code 1681a ( 2 ) B ) Violation number # 4 FCRA 15 US CODE 1681e ( b ) This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CR5A enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Product: Checking or savings account

On XXXX I wrote and mailed a Chase check # XXXX payable to my XXXX in the amount of {$3000.00} for my monthly maintenance. It was mailed to my building management company " XXXX XXXX ''. I was contacted by XXXX XXXX on XXXX saying they never received my payment. I sent them copies of my cancelled check from Chase Bank and after a period of time they claim that they never received it and started to charge me late fees. 
At that point I went to Chase and filled out a " Declaration of Unauthorized Endorsement or Altered Item '' My claim number is " XXXX '' I mailed the clam to JP Morgan Chase Bank NA. Customer Claims Department, Attention : XXXX, XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX have contacted Chase customer claims 4-5 times now and they claim my check was cashed at XXXX XXXX  XXXX and they are XXXXuppose to respond to Chase and reimburse my funds. XXXX XXXX XXXXXXXX never contacted Chase regarding my claim and the people at Chase tell me there is nothing to be done. I'm extremely frustrated with Chase for not reimbursing my funds especially since I have a business account with them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted state farm XXXX VIA EMAIL XXXX XXXX to get the following Claims history all payouts claims Vehicle history Policies So I could review for any suspicious activity after pulling me credit on XX/XX/XXXX due to being denied credit and loan And researching transferred monies and notify them of my again identity theft XXXX was great she sent me the attached profile of my claims but she stated she needed to request the claims info details and where all the checks were issued addresses sent to etc to and who what dates and she would send me the I go asap Then she stopped communication XXXX with me all of a sudden after I requested why my XXXX XXXX XXXX claim was labeled closed. 
I need the reason why this claim states closed Who closed the claim ( because I stated I would probably make a claim on it ) the prior claim is opened from XXXX I thought maybe they labeled it incorrectly ) and details and who the XXXX XXXX dollars worth of checks were sent because I did not receive XXXX XXXX dollars. 
Also I need the list of all my vehicles due to my identity theft ( and my marital asset hearing coming up soon ) ) I reported XXXX XXXX XXXX and then to federal trade commission ) vehicles on my policy since existence XXXX for review for fraudulent activity. 
State farm also put a insurance inquiry on my credit in XXXX under XXXX XXXX   stating for insurance underwriting ... .no response ... they deny the inquiry .even though I sent it to them numerous times. 
State farm XXXX Illinois finally after a complaint with the office comptroller and state insurance bureau a piece of paper with a single entry stating XXXX payment {$2000.00} that's it no reason for my claim stating closed or a copy of my vehicles and vin # s history and no copy of my policy at that time. I was with state farm XXXX XXXX since XXXX. And then in XXXX changed to XXXX state farm on XXXX XXXX XXXX XXXX va