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

To whom it may concern, On XX/XX/XXXX, I informed my bank, XXXX, about fraudulent charges made to my account in the span of a couple of days, summing up to a total of {$410.00}, a complete list of charges will be detailed below, and an investigation was initiated, and my account was granted a credit for all the transactions. However, today XX/XX/XXXX, that credit was reversed on my account stating that all transactions were verified to be accurate and no fraud was made. Keeping in mind that I live in XXXX FL, and these transactions were made in NY, and XXXX XXXX FL, I also do not have an authorized user for my account nor do I have a duplicate on my card, and I had my card when the transactions were made. The bank will not be responsible for the fraud charges, making me take responsibility for the fraud charges. Informed me that I would need to provide them with proof that I did not make the charges but did not further explain how, or why. Stating that if I wanted this resolved, I would need to contact every merchant to file the fraud charge and battle with them. Please advise on this case. 

Transaction chargesXXXX 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 My Bank has stated that all my transactions have been made by a Issued VISA Chiped card, which is why they have denied my claim. I have not made any of these transaction and am at a loss at this moment.
Product: Student loan

When entering repayment in XXXX following in-school status and grace period, the servicer, XXXX XXXX XXXX , sent all notices/bills/correspondence to an address that I have never lived at nor had any association with and were making phone calls to a number I have never been associated with ( XXXX XX/XX/XXXX ). I contacted the servicer directly to inquire about billing and payments in XX/XX/XXXX, it was then that I was I was informed I was behind on my payments and directed into general forbearance. I was never informed that they had incorrect contact information for me. I was lived at the same address and had previously received correspondence about educational loan at that address, my promissory note lists the correct address, which remained my address through XX/XX/XXXX. I only became aware of this error on behalf of the loan servicer after requesting my full account history via a FOIA/Privacy Request in XXXX It remains unclear to me if my personal information was shared with a stranger. 

As a result of this servicer error, interest was capitalized to my loans and I was unable to make payments on my student loans that would have been considered qualified payments for XXXX. The interest cost of this error was passed on to me ( {$1600.00} in capitalized interest ). I have inquired multiple times as to why my basic account information was incorrect and the scope of disclosure of my personal information. I have never received an explanation. As a result of the error, I did not receive any correspondence regarding repayment and missed the opportunity to begin payment for XXXX  months. 

I have documentation to support my claim, it contains personal information and can be provided upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX 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: Money transfer, virtual currency, or money service

I tried to update my address on the account and I haven't heard back from them after multiple attempts. 

Now they are trying to close the account with no way to withdraw the money.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



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 XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking number #. 

According to the FRCA, the term " investigate consumer report '' means to report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything should be 100 % Accurate. Ihave the credit report showing the inaccuracies. 


Accounts XXXX  Account ID : XXXX Tracking # US DEPARTMENT OF EDU Account ID : XXXXXXXX XXXX XXXX XXXX Account ID : XXXX
Product: Credit reporting or other personal consumer reports

I recently noticed incorrect details on my credit report, which, under 15 USC 16c-2, should not be there. I believe this misinformation is negatively impacting my credit score.
Product: Credit card

A inappropriate fee was charged to my account, along with an associated inappropriate interest charge. The credit card company has not responded to, or acknowledged, my dispute of these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank and credit cards for military and veterans says i was late making payments. I was in XXXX. I had auotomatic payment and money was taken out of account. Right now they have said they are taking them iff but it has been a year. I am tired if companies that lie through there teeth. All is somebody needs to do is get credit report that shows not if paid or not but the credit reports that show money amount. I payed XXXX in XXXX and then they say i missed paymemt in XXXX. I havent missed a payment in 30 yearscwith any credit cards. Also XXXX XXXXXXXX says in XXXX i was late ine day on the last 3 payments. I can rememner what happened like yesterday but it would take 2 pages. I had automatic payments with them too. Why would you pay paymentdms on timevfor 69 months then all of a sudden with no changes on life or job make paymebt late one day. I was in military and got paid on XXXX. The only thing that happens is there is 31 days in some months. I called them and asked why credit score webt down after i paid my car off with every payment in time. They are finance company and they made reason up why my score went down. It went down because i didnt have different credit types. They didnt know it and i took classes on credit. They made the late payments up because they dont give their own finance team credit reporting classes. 

I want legal dovumentstion from XXXX XXXX and bank from FAIR CREDIT REPORTING AGENCY SECTION 604, 605, 609 AND 611.  To show you that I didnt make payments late. I was in XXXX and thank XXXX i had automatic payments. These companies are triffling because i wrote bith of them and all 3 credit agencies for FCRA SEC 604 605 609 611. NOT ONE OF ALL THOSE SENT ME THE LEGAL  DOCUMENTATION SHOWING ME THAT THEY ARE CORRECT. I KNOW I AM CORRECT BUT IF YOU GET IN FIGHT WITH BIG COMPANIES THEY SEEM TO NEVER BECOME WRONG. BUT THEM NOT SENDING ME 604 605 609 and 611 they have to takev9ff credit reportvand they havent.
Product: Debt collection

In response to Medical Commercial Audit Inc. case # XXXX. 

This company provided information from the original creditor " XXXX XXXX  XXXX XXXX ''. 
I owe no debt to this 3rd party creditor considering the debt has been closed with the original creditor. 

They provided my personal information & not a HIPAA Relase Form nor a Transcript to even have my information released with Med Com Audit. My HIPAA Rights has been violated.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : - XXXX XXXX  XXXX Balance Owed : {$5900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - XXXX XXXX  XXXX Balance Owed : {$990.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX - XXXX XXXXXXXX Balance Owed : {$710.00} Date Opened : XX/XX/XXXX - XXXX XXXX  XXXX Balance Owed : {$1900.00} Date Opened : XX/XX/XXXX Please promptly eliminate the late payment and UPDATE this account immediately. 

I kindly request that this matter will be promptly solve by EQUIFAX. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within XXXX  days of receiving a formal request. More than [ number of days since the initial request ] days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress ''. This delay undermines the confidence I should have in the integrity and efficiency of the processes.
Product: Credit card

I was trying to place an order on Amazon and was having trouble with the Internet ; because of this Syncb/Amazon made an Inquiry on my credit report. I did not apply for a credit card of any kind and I want this Inquiry removed from my credit report. This was all accidental due to problems with Internet. Please help get this Inquiry removed from my credit report.
Product: Credit card or prepaid card

Dear Sir/Madam, I am writing this letter to dispute the recent decision made by Elan Financial Services to drop my credit limit from {$16000.00} to {$900.00}. I strongly believe this decision was unfair and unjust, and I am seeking your assistance in resolving this matter. They even blocked my online account access after reaching out to them. 

I started using the card recently and was surprised to find out that my credit limit had been reduced without any prior notice. I was never informed about any missed payment, nor did I receive any statement or phone call from Elan Financial Services regarding this matter. 

When I called to inquire about what had happened, I was informed that they had sent letters to me. However, I never received any of these letters, and as a result, I was unaware of any issue with my account. I was willing to make the payment in full to restore my credit limit, but I was informed that this was not possible, and I would have to request a credit limit increase. I totally didnt receive these statements or notices, so as a responsible Credit user I called to check on what was going on. 

I understand that Elan Financial Services has policies and procedures in place to manage delinquent accounts. However, I believe that the reduction in my credit limit was unjustified, given that I was not aware of any missed payment or overdue balance until I called in to find out where the statements were and the credit limit reduction. Additionally, there were several errors on their end, such as misspelling of my name on the online account, which further complicates this situation. 

I am requesting your assistance in resolving this matter, and I would like to request that Elan Financial Services restore my credit limit to its original amount of {$16000.00}. I believe this is a fair and just resolution. 

Thank you for your time and attention to this matter. Please let me know if there is any additional information required to resolve this dispute.
Product: Money transfer, virtual currency, or money service

XXXX I am now a former Hypur customer. When on the phone with customer serive today, I was told " go ahead and complain wherever you want. I am taking that advice. 

Hypur has repeated transaction failures that have not been transparently explained when directly questioned. The lack of transparency is difficult to accept from a service that is directly linked to my personal bank accounts. After a challenging customer service chat XXXX to be clear and honest, it was challenging from both sides and for both parties ) I requested deletion of my data and written confirmation that this was complete per the California Consumer Privacy Act ( CCPA ). I was told t oh we dont qualify XXXX XXXX XXXX XXXX XXXX SO I am unable to comply with that request. Then I was locked out of my account. I called to ask to be unlocked so that I could unlink my financial information myself or confirm this was complete. 

Please note that when I attempted to log in, I was not told that no account existed - I was told my account was locked. And, the person who supposedly deleted that data told me that he could not email me. When I called customer service, they said that actually an email was standard - but then just sent me a generic email with no traceability ot my request. I was told that I was no longer able to access my account. I was told that I would be unable to verify that the account was not linked. I was also then given the advice to find somewhere else to complain. 

The above events - between my data delete request and phone call that resulted in an email confirmation was less than 20 minutes. I do not have confidence that a proper process was followed for my request.
Product: Debt collection

Called today to see the breakdown of amount owed. Received the amount it has nsf fees I asked for proof of what those fees are for did not get it. They showed my deposit was XXXX I gave them a copy of my lease showing I paid XXXX deposit they said they need more proof I dont even have that bank any longer. They refuse to change the amounts owed saying I have no proof but they cant give me proof of the extra XXXX they are charging me. I moved out once the lease was up the apartment complex kept my deposit. But stating I still owe XXXX which has been on my credit for 5 years. I cant rent no where because of this. XXXX XXXX  is saying I have to pay that balance no negotiation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  ( Installment ) Accounts - negative accounts - closed - Summary XXXX XXXX Experian Last Updated XXXX, XXXX  Payment Status 2-Year Payment History Older Derogatory events More Details 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 Pursuant : Section 605 ( a ) ( 4 ) : Section 605 ( c ) Time limits : Charge-off and collection accounts This is a violation and inaccurate reporting ** 15 USC 1691d** Mandates creditors to provide a written notice of any adverse action taken regarding a credit application Privacy Act Violations : 5 USC 552a : Protects privacy rights concerning the collection and use of personal information without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was viewing my credit report and found that there was a hard inquiry for XXXX on my credit report of Equifax dated XX/XX/XXXX. I never applied for services or gave any one unauthorization to use my social security number to open an account with. 

I chatted with a representative the same day, and was advised that the name on the account was XXXX and the account was opened using my social security number. The address on the account being XXXX XXXX XXXX, XXXX, VA XXXX. This is my EX-WIFE, and I would NEVER give her permission to open anything in my name. I was advised to call there fraud department but I have been recieving the run around. This is the 2nd time this has happened. She opened an account using my SSN in XX/XX/XXXX and the account was suppose to be closed down as fraudulent, I even spoke to mulitple representatives then. Now im being told the account was not shut down as fraudulent but is now with collections. I never recieved a bill because I do NOT live at this address on file. And now again XXXX has allowed my SSN to be used again to have an account opened. And now there is another unauthorized hard inquiry on my credit report. 

I have been told the account would not have been opened it the SSN on file did not match with the name on the account. That is XXXX, this is the second time you have allowed my SSN to be used to open and account and then allow the name to be switched on the account. 

I want ALL accounts with my SSN on your system closed and removed. I do not want to be held liable for ANY account balances because these accounts were opened fraudulently. One account closed on XX/XX/XXXX and its with a XXXX XXXX XXXX falsely. I want the account removed from XXXX XXXX XXXX as closed and removed from my credit report as the account was opened fraudulently. The second account was closed on XX/XX/XXXX, and its in the name of XXXX XXXX or XXXX XXXX but has my SSN on the account. I want my SSN off these accounts and hold her liable for the account balances. She NEVER had my authorization to open these accounts.
Product: Credit reporting

XXXX is negatively reporting a medical collection that does not belong to me. They have increased the amount and changed the location of the office but it 's still the same debt that was removed. XXXX is negatively reporting on my credit report with both Equifax and XXXX for a medical collection that does not belong to me. The debt belongs to a XXXX XXXX. I filed a police report with XXXX XXXX Police Report for Identity Theft Report # XXXX and Report # XXXX with Investigator XXXX. I have been a resident of XXXX TN Resident since 2008. I was a victim of identity theft and filed a police report due to fraud occurring in XXXX. I do n't owe this debt I would like it removed from my credit report immediately. It should not have been reinserted in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there is an address associated with me and i have never lived in XXXX only in XXXX. So now i am concerned that i have all this bad credit and i dont know if its mine or is someone else using my information.
Product: Credit card

in accordance with the Fair Credit Reporting act 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I filed a dispute with Wells Fargo fraudulent charges online online gaming websites now they're saying it's gambling websites. Wells Fargo has not made it easy for me to dispute any of these charges we're talking about hundreds of charges repeatedly charges daily overnight {$300.00} at a time if that doesn't look suspicious to you why wouldn't you call me why wouldn't you text Wells Fargo knows my spending patterns why would they let someone drain my account in two or three days back to back I got a lot going on XXXX has not made anything easier I was even in the hospital for a couple days and what am I supposed to do I made them aware of what when it happened and I tried to call me as soon as possible and they have done everything to deter me we're talking about dispute and XXXX in one another dispute that is not include overdraft fees that they charge me why are they doing this and how can they get away with it cuz I'm nobody
Product: Debt collection

XXXX PULLED MY CREDIT WITHOUT PERMISSION AND IS UNLAWFULLY REPRTING THIS ACCOUNT ON MY WIFES CREDIT REPORTS IN VIOLATION OF FCRA, FDCPA AND DODD-FRANK ACT.
Product: Debt collection

Penn Credit corporation put a collection balance on my credit. I advised them that I was already working with the creditor to clear the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm A victim of identity thief ... the following account i didnt authorize ..XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reported several times identity theft of my social security card and identification card. Someone has been using my identity.

15 USC 1681 section 602 A States I have a right to privacy. 15USC 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containg any of the following items of the information, any ther adverse item of information other than records of convictions of crime which antidates the report by more than seven years. 15USC 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, Equifax experienced a data breach, which impacted the personal information of myself. I have inaccurate information on my credit report and I would like it removed within 15 days. I am requesting a letter of all removed information. 

Inquires : 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 XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX