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

I had my identity stolen on or around XX/XX/XXXX of this year. The problem is with Wells Fargo Bank and their reaction to and acknowledgement of the crime. I notified the issues, because I was first notified by my energy company XXXX XXXX. First I went to go pay a bill to them that suddenly was considerably larger then the paper bill I had just received. After a few transfers I was told that someone ( hacker ) had stolen my identity through the XXXX XXXX system, which is how I've always paid the bill, they told me that the hacker had " disputed '' my payments going all the way back to XXXX of 2018. They froze the account. By doing so they didn't allow any more months or payments to be stolen. I then notified Wells Fargo. I also called the attorney general of Florida who gave me steps to follow to warn all the creditors and lenders. Wells Fargo at first was very helpful. But, some where along the way their fraud department decided they wouldn't claim their lack of security. They are flagging my account, charging me some of the disputed funds and not allowing me to open another account, there or at any other banking institutions. Even though I have filed a police report and filled out and had notarized Florida 's theft identity kit. I was told by the attorney generals office to file a complaint through this institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, they received information that my account was discharged so there should be a XXXX balance. This was confirmed by several of their reps & supervisors. Today, XX/XX/XXXX, they reported on my credit report that I owe {$120000.00}. Prior, nothing was ever reported. I do NOT owe this. My loans have been discharged and according to my letters from the Department of Education, my credit report will be XXXX  out once discharged ; not add such a large balance. This reporting has decreased my credit score by XXXX points and added to my credit usage significantly HIGH when it has always been under {$100.00}. This now negatively impacts me trying to get a home loan. The mortgage company just now pulled my credit report which now shows this extreme high debt that I DO NOT OWE and they know that I dont owe it.
Product: Debt collection

HSBC BANK HAS HIRED DIFFERENT DEBT COLLECTORS TO COLLECT ON A DEBT THAT WAS DISCHARGED IN BANKRUPTCY IN XX/XX/XXXX. I HAVE BEEN THREATENED AND TOLD I AM A PIECE OF XXXX. THE LATEST ONE STARTED ON XX/XX/XXXX FROM XXXX XXXX. I ADVISED THEM THAT THIS WAS DISCHARGED IN BANKRUPTCY AND THEY DIDNT CARE. THEY CALLED ME ALL SORTS OF NAMES AND THREATENED TO SUE ME.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> The following inquiries were not and should not be reporting. 
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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 or other personal consumer reports

I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy about 2 yrs ago or so and had a clean slate but not everything seemed to come off or appeared later that I have 0 clue what it is. There 's a XXXX XXXX card that wo n't remove itself even though it was included in my bankruptcy. 

I 've only applied for 3 things XX/XX/2017 XXXX XXXX XXXX.. my credit card XX/XX/2017 XXXX.. A car XX/XX/2017 XXXX XXXX XXXX A 2nd car myself.. 

All the other inquiries I was informed could be part of a glitch and before I filed bankruptcy and seemed to pop back on someone. Please remove all these inquiries.
Product: Mortgage

I already have a case going with you against Wells Fargo. Case # XXXX. Just wanted you to know I filed a complaint suing Wells Fargo for what they did to me and have attached it
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

XXXX - purchase made in XXXX, XXXX for souvenir merchandise - a coffee mug, a shirt, and a shopping bag. 
- I was told by the store owner the cost of merchandise would be roughly XXXX USD. The receipt wasn't given nor required a signature. 
XXXX - The amount reflected on my credit card statement was XXXX, resulting in a XXXX surcharge. 
XXXX - Contacted Chase dispute department, was told unable to proceed due to I'm unable to provide merchandise receipt. I tried to explain I was never given a receipt and asked if there was anything else I could provide instead. The specialist told me I should've asked for a receipt if they didn't provide it.
Product: Checking or savings account

I have an account with Citibank that I opened in XXXX of 2020. With the pandemic, I was not able to switch over to the account that I opened. The account was charged a monthly fee of {$30.00} per month. I requested that Citibank reverse the fees for two months. The fees were reversed. The next thing I requested was to change my account type to avoid fees until I could switch over. Today XX/XX/2020, I was charged a {$34.00} overdraft fee for another {$30.00} account fee. I chatted with the customer service team and was told they can not reverse the fee or close my account. How can I be charged a fee for a bank fee? This is not right at all. The account has had no debits generated by me.
Product: Prepaid card

my debit card direct express debit card which is issued by the social security administration in order for me to receive my benefits each month on this debit card. on XXXX XXXX I filed a dispute over my wallet being stolen as well as my direct express debit card, i did call and cancel the card on XXXX XXXX, the individual whom had stolen my wallet was able to access my account of course by my wallet being stolen so was my social security card in it as well. the individual was able to call change my pin and access my funds on my debit card {$400.00} to be exact .this was a debit transaction from an atm machine. I called direct express on XXXX XXXX filed a claim dispute with the card company, i followed all requests for information pertaining to this dispute claim, I have been relentless in calling direct express level 2 fraud dept as to inquire about my pending fraud dispute. over and over I am getting conflicting comments as to the dispute. they know then they do n't know. a provisional credit is suppose to be credited to my account, I have yet to receive it ... direct express has made it difficult if not impossible to bring this dispute to a close. it seems as if they direct express debit mastercard issuer are systematically giving excuse after excuse, my dispute was opened on XXXX XXXX then closed due to lack of information received I followed their instructions sent faxes as of now it is " under investigation '' my dispute with direct express mastercard debit. ive asked the customer service time and time again for the individuals full name as to keep records of conversations their reply is 'I do n't have a last name ... I have been disconnected from the phone line on numerous occasions..i feel that direct express debit card services are doing their best to ignore me in hopes that I will go away ... just read the blogs online about the direct express debit card company contracted by the federal government for monthly benefits. 
I am getting no where I 'm at a great financial loss and I am frustrated as well as exhausted in communicating with the direct express customer service as well as LEVEL 2 dispute dept ... I feel that they are following direct protocol to put off deny deny in a nutshell I feel they will not credit my account I 'm sure they will find some reason for this. as I have talked to several other individuals in my position and they as well are receiving the same excuses treatment and denials as well ... sounds suspicious to me. this debit card company is well aware of my situation and as of now my last communication with direct express was on XXXX/XXXX/2016 I was told that my dispute is under investigation and that a provisional credit can APPEAR at anytime during the process. I feel direct express debit card services is an underhanded service and they are told as customer service reps to give excuses and deny ... im at a great loss because my XXXX benefits are received on my direct express debit card I have no money and I have had to make great sacrifices in my life not to mention the toll its has taken on my XXXX and health ... please help I 'm desperate.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( XXXX ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Mortgage

I have a Conventional Mortgage that has passed the 78 % threshold and meets all the guidelines stated in the Homeowners Protection act that should automatically trigger the removal of the PMI payment on my account. I have inquired with my Loan servicer to confirm that this will be taken off my account, they have replied that my PMI will remain even after meeting these requirements. The company is Specialized Loan Servicing ( SLS ) SLS.net They are refusing to get the PMI taken off of my account and will continue payments out of my escrow account. I have messaged and called on this matter and they are saying that they are unable to remove the PMI. The initial request was on XX/XX/ and the follow up call occurred on XX/XX/.
Product: Debt collection

I am formally disputing any and all debts that JEFFERSON CAPITAL SYSTEM claims I owe. Under the Fair Debt Collection Practices Act 15 USC1692g, I am exercising my right to requestt full validation of this alleged debt. Until proper validation is provided, I do not acknowledge Orr assume any responsibility for this debt.

Pursuant to my rights under 15 USC 1692g, I am requestingg that the following, Complete validation of the alleged debt, including a detailed breakdown of the amount owed, the namee of the original creditor, and any relevant account details.

The original purchase agreement between JEFFERSON CAPITAL SYSTEM and the original creditor, proving legal authority to collect this debt. 
Proof that JEFFERSON CAPITAL SYSTEM is licensed and bonded to collect debts in my state of New York. I expect copies of the current license and bonding information.

JEFFERSON CAPITAL SYSTEM has failed to provide the required validation information before placing this account on my consumer report, violating : 12 CFR 1006.34b, Collection agencies must provide validation information before reporting a debt to a consumer reporting agency.

12 CFR 1006.34c 4 ( i ) Consumers must be given the opportunity to dispute the account before it is furnished to consumer reporting agencies.

Because of these violationss, JEFFERSON CAPITAL SYSTEM has no legal authority to collect or report this debt.
Product: Prepaid card

Once again, I have been charged twice for one purchase due to the authorization hold at a restaurant not being released despite the original transaction clearing and posting to my account. The transaction occurred XX/XX/2024. And after 7 days, I was told I would have to Wait 7 more days for the transaction to be reviewed and payments released
Product: Bank account or service

I have been a customer of XXXX bank for over 3 years. Overall the bank has been alright. But periodically money comes up missing from my account. The transaction is debit from a foreign ATM. I live across the street from my bank there really is n't a reason for me to go to a foreign ATM unless there is n't a tcf bank around. This last transaction happened on XXXX XXXX, 2016 at XXXX in the morning at foreign ATM. I swear I was home asleep. If you review all of my ATM withdrawals I am never withdrawing money at that hour. They said the have documents but never provide it. Now the last time it happen about five months ago I got a new card and I did use the same pin number. So this time I changed my pin but I still do n't feel safe but this is the closest bank. I should be able to bank there and feel secure. Something is going on with their debit cards. I ca n't believe I am the only customer experiencing this. I want my money back. The amount is {$100.00}. I know to some that 's a small amount but I work hard and it 's a lot to me. Nobody seems to care. I will have to find another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

Despite of the written appeals I sent, any kind of responses was taken for granted. Thus, their action have violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. 

Here is the list of accounts that is still reporting on my Credit Reports : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XX/XX/XXXXDate Opened : XX/XX/XXXX Balance : {$700.00} XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$50.00}XX/XX/XXXXDate Opened : XX/XX/XXXX Balance : {$820.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going to get a loan for a vet bill and when they told me the interest rate I told them no thank you that I do not want their loan I'll just go to my personal bank and they ran my credit anyhow without me signing anything or giving them permission
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is listed as the original company when its actually wise loan Worst Delinquency on XXXX states the account is 90 days past due while Experian statesCharge Off/Other Derog. XXXX states on XXXX last activity was XX/XX/XXXX but on Experian states last activity was XX/XX/XXXX XXXX states on XXXX last activity was XX/XX/XXXX but on XXXX states XXXX last updated XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX XX/XX/XXXX on Experian also reported as foreclosure on Experian last activity reported XX/XX/XXXX on XXXX but XX/XX/XXXX on XXXX. XXXX last updated XX/XX/XXXX on XXXX but XX/XX/XXXX on XXXX and Experian the balance on XXXX states XXXX but on XXXX and Experian the balance is XXXX. XXXX last updated XX/XX/XXXX but XX/XX/XXXX on XXXX last activity was XX/XX/XXXX on XXXX  but XX/XX/XXXX on XXXX.XXXX  last updated XX/XX/XXXX on XXXX but XX/XX/XXXX on XXXX closed date XX/XX/XXXX on XXXX but XX/XX/XXXX on XXXX last updated XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX XX/XX/XXXX on Experian last activity was XX/XX/XXXX on Experian XX/XX/XXXX on XXXX XXXX last updated XX/XX/XXXX on Experian but on XXXX XX/XX/XXXX closed date on XXXX XX/XX/XXXX but XX/XX/XXXX on XXXX XXXX last activity reported on XXXX XX/XX/XXXX but on XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX ( XXXX ) : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX : XXXX, XXXX XXXX  : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX, 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 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 inaccurate.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX, I opened a SELF credit builder account which requires a deposit to be held for one year, automatic payments on the amount in escrow are paid monthly and you are issued a debit card with a spending amount equal to the escrowed deposit. After completing one year of on time payments your escrow is then returned to you and this is to build credit if you have little credit or bad credit. I completed the one year and made every payment on time. At the end of the year, I kept my account with SELF and a new debit card was issued. SELF is reporting THREE accounts on my credit reports, one account shows perfect payment on the first account with XXXX, the other two bureaus are showing two late payments. I was never late with any payment and have attached the account statements for you to look over ending in XXXX. I continued with SELF for another year and closed the account on XX/XX/XXXX. Additionally, the escrowed money was applied toward the ending of the account balance, and my account was closed. 
Unknown to me, XXXX never closed the single account and kept charging me interest and fees for which they are reporting incorrectly to the three bureaus. You will see that there are no transactions or activity on the statements after XX/XX/XXXX. I have attached all statements for review and the reportings for which I want to be removed immediately from my three bureau accounts. The only SELF account I ever opened was XXXX which is accurately reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company did not addressed my issue. I strongly recommend card member to be careful with this Company and as stated I'm stepping up and work with lawyer and State Department to take actions against Discover. Discover knew about me wanting to make a payment in XXXX and never took it because my account was under " Working with Consolidators '' status. They could've accepted my payments. Also, account was taken out of these status on XX/XX/XXXX and reported to Credit Bureaus the following day, not giving me time to make at least required payment to my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX, XXXX  XXXX XXXX XXXX XXXXe {$1000.00} Date Opened ; XX/XX/year> This is not me ; I have no knowledge of this account. this is fraudulent and should not be on my credit report.