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

The next day, on XX/XX/17 I go to the XXXX XXXX branch and talk with XXXX XXXX. I showed her my documents and explained my case. She agrees she sees no foul play on my part and contacts the Fraud department. After some more accusatory questions and almost 2 hours later they ask me where were you on XX/XX/XXXX? I explain Im a XXXX XXXX and I was in XXXX Texas. They stated that on that day the check was cashed and stamped on the back by XXXX XXXX. I call my mom while Im in the bank to see if anyone was in her apartment or how could this have happened since I left the check with her. After I told her this she said she thought she may have accidentally placed it in the XXXX envelope when she was trying to pay her {$9.00} bill. So I said to Ms XXXX how is that my issue or BOAs issue? I did everything correctly because the check was made out to me & my signature was on the back so why would they come 11 days after the deposit was completed and extract money from my account. Ive been a patron for over twenty years and they didnt have the decency or courtesy to extend so much as a phone call, text or email to alert me that they thought there was an issue but just took the liberty of taking my money out of my account!!!
Product: Credit reporting

To whom it may concern, I am a victim of identity theft which in the process i have fradulent and wrong, personal information in the transunion credit file that belongs to me. I am going through a finiancial burden and i am unable to get a loan of any sort due to the fact that infromation on the transunion credit file is not mine. My transunion credit score and my fico score are to low and will be able to be evenhigher and better if these wong and fradulent, personall information can be corrected to the best to the best of my knowledge. The information is incorrect and i am trying to fix and make sure that all my personal information is corrected and passed on to all the credit bureau agencies. i have been denied credit in the past 10 to 60 days. I know it is a crime to give false information to any local, state, or federal instuiton or agency therfore i am giving transunion the opurtunitty to help me resolve these problem as soon as possible. So to my best intrest all the information that i have and will give to transunion and the cfpb is correct and can be and will be able to be prooved with any or all legal documents to be provided by me. 
Please Help me i do not know what else to do. Please advice. Thanks
Product: Money transfer, virtual currency, or money service

I had made two transfers of XXXX $ and XXXX $ Through XXXX and XXXX  using my checking and savings accounts on XXXX XXXX to put a security deposit on a single family home. It turned out to be a scam and I called Wells Fargo XX/XX/2021 as soon as I realized. I filed two claims for these two charges and was told that would be refunded. When I just called XX/XX/2021 to get an update on my claims, I was told they were not going to refund that money. I was on the phone with Wells Fargo for an hour being transferred every 5 minutes with not one person being able to come to a resolution. I also filed a police report to report the scam with my local authorities on XX/XX/XXXX. I also do have the case number if needed. This report also had an identity theft scam as well. In regards to the home that was being listed was also a homeowners legitimate home and the scammer was using his property and full name to " rent '' me the property.
Product: Checking or savings account

a XXXX cable guy stole our check book while installing service.. he wrote and cashed XXXX checks for total of XXXX 
though we never wrote checks from our account instead for {$1000.00} once a month to the rent..TD cashed XXXX consecutive checks for {$14000.00} on XX/XX/XXXX than {$8400.00} on the XXXX, with fake signatures. 
we visited the branch and called numerous times over the 120 days ..money was never returned or even investigators din'y not even make one comment. 
we are looking to get our money back, because these checks were not suppose to be cashed out to begin with, they did not have the correct signatures or even there was not similar pattern of writing checks over {$1000.00}, which we only did once a month. 

the branch address is XXXX XXXX XXXX, XXXX XXXX, NY, XXXX.
Product: Consumer Loan

I took out a CitiFinancial XXXX loan in XXXX. I made payments but when I was late by a payment, CitiFinancial filed a lawsuit against me. On XXXX XXXX, XXXX, this judgment was vacated by the judge. I continued to make timely payments on my accountuntil CitiFinancial sold my account to XXXX XXXX. I made the monthly payment to XXXX XXXX on account. After a short time, the account was once again sold back to CitiFinancial. I did not receive any statements but continued to make the monthly payments on time. In XXXX XXXX, I contacted CitiFinancial by phone and was told the amount due was {$2500.00}. This was incorrect. I continued to make monthly payments. In XXXX XXXX, I contacted Citi again to inquire as to why I still was not receiving statements and why there was no activity on my credit report. I was advised by email, I owed {$5200.00}. I than received a letter from XXXX advising that I had been sent to collections and Citi reported to the credit reporting agencies that I had defaulted on my loan. Even after producing the vacated judgment, they have refused to correct this. I continually get transferred and told they cant talk to me. But I was able to find out that they are now stating I have XXXX accounts. I have only had XXXX account through Citi. My credit has been affected by CitiFinancial 's inaccuracies.
Product: Debt collection

My name is XXXX, but I was XXXX in high school which I never graduated from XXXX. I since have had my XXXX change at XXXX I 'm now XXXX, I still never got my highschool degree nor GED and I 'm being harrashed about paying this back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Experian disputing an inaccurate and unverifiable collection account. They proceeded to tell me- in writing - that the account was accurate, while refusing to provide proof of accuracy by FCRA standards. I plead for proof in several more letters, but Experian was steadfast. Another credit bureau ( XXXX ) saw the error and deleted the account in question. I sent proof of their deletion to Experian, but they responded and said that the account was accurate. I do not believe they are doing thorough investigations, and I now believe that they are simply regurgitating pre-designed responses without considering proof of any kind. This company ( Experian ) is almost single handedly ruining my life.
Product: Money transfer, virtual currency, or money service

Hello, since 4 months i dont have any access to my account on Kraken. I tried and did everything possible and still there is no response.

When my account was blocked, i wrote many support tickets with all documents to prove my identity, these tickets were also escalated, so it was put forward. They promised to reply via email, still this day, Im waiting for that reply. Through their Live Chat, i spoke with their service staff many times, they just wrote the same generic answer, that they cant do anything for me. 
I did even post many times on XXXX/kraken support and there it was the same case. 

They dont have any service phone number or a office where you can go. I`m completely out of option and totally desperate. My coins and my deposit on my account, i dont know what is happening with it. It`s been over 4 months and there no help at all. 
For a realtime trading company this is horrible, it is a absolute breach of contract. 
This is criminal. 

Please someone need to help me, Im desperate and helpless. 

kindly regards
Product: Checking or savings account

I keep accruing overdraft fees when my account is not being calculated correctly. My payroll deposits are being submitted entirely too early and then re posting days later with a ridiculous negative amount along with fees that at the time when process showed money was there. I have not been receiving refunds from companies that shouldn't have withdrawn money in the first place. There have been companies that I didn't authorize taking money and causing more late fees and wells gatgo only wants to take half of the fees away. I have had this account for over 10 years and still this day the same issue is occurring and I'm being charged for fee after fee making it hard to maintain my bills and afford them
Product: Credit card or prepaid card

On XX/XX/2019, multiple emails were received from Synchrony Bank, the issuer of the Amazon Prime store credit card. These emails contained lines such as : " A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER '' " Action required on your application '' In doing a quick search, it appears this happened to thousands of Synchrony Bank customers today. They have not notified customers, and when reached, their phone reps hang up the phone. 

This appears to be a major breach of some sort, and they are not addressing it appropriately.
Product: Credit reporting or other personal consumer reports

I acknowledge the efforts made to eliminate some fraudulent entries from my file stemming from alleged fraudulent activities, yet there remain items requiring immediate removal. In a renewed effort to dispute these entries in my credit file, I am submitting an Identity Theft Report # XXXX. In accordance with the mandates of FCRA section 605B ( a ) ( 1 ) ( 2 ), the removal of any entries from my file identified as resulting from alleged fraudulent activities is required within 4 business days following receipt, given ( 1 ) suitable proof of my identity; ( 2 ) a copy of the identity theft report. The detailed list of items yet to be removed includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Please be advised of the XXXX deadline for the removal of any entries from my credit file identified as the result of alleged fraudulent activities. I explicitly decline the use of E-OSCAR or any automated verification processes. I request that the results be forwarded to the address provided.
Product: Debt collection

I went to my XXXX  XXXX credit check and I saw some charges that are not accurate. I saw a {$180.00} debt collection from CCS on behalf of XXXX  XXXX XXXX XXXX. I did not owe them anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX DOB- XX/XX/XXXX XXXX DL- XXXX Address- XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. 

I am writing to request these inquiries are r emoved from my credit report. of the following information that appears on my TransUnion Consumer report. 

XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX + Automotive XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  XXXX  Inquiry : XXXX XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX XXXX : XXXX XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies I dont recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Trans union report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Inquiries : XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

This debt was paid in full with the original company, XXXX XXXX, on XX/XX/XXXX. I have attached proof from XXXX XXXX that the account now has a zero balance, and that the amount Helvey & Associates is claiming I owe on my credit ( {$410.00} ) was paid on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

A violation of the Fair Credit Reporting Act ( FCRA ) occurred, which requires 100 % accurate reporting on consumer credit files. This account contains inaccuracies and has caused me harm. I demand the immediate removal of these accounts. If the issue is not resolved, I will escalate to legal counsel.
Product: Prepaid card

I had a balance of {$640.00} on my Bank of America prepaid card from XXXX. went to withdraw from the atm but my balance was {$0.00}. I called the bank they told me my balance is {$0.00} because I withdrew {$640.00} on XX/XX/XXXX, in XXXX CA on XXXX XXXX XXXX. I explained that on that date I was not in the country. they asked me to prove that I was not in the country. I sent them a copy of my flight ticket that shows I was in XXXX on that date. my card was with me in my wallet On XX/XX/XXXX, they sent me a letter that they received my claim. 
on XX/XX/XXXX, they sent me a letter my claim was denied. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Equifax, update the below accounts due to continuous inaccurate information listed on all. 

They continue to fail to fully investigate and opt to utilize prior data that is not up to date. Their failure to report inaccurate information is adversely impacted my credit score and my ability to obtain a mortgage approval. 

Please assist in getting these credit reporting agencies to report my data accurately. 


1 ) XXXX  XXXX Account # XXXX Balance- {$350.00} Available Credit {$2100.00} 2 ) XXXX XXXX XXXX XXXX-Account # XXXX, Principal Balance due {$14.00}, XXXX 3 ) XXXX XXXX XXXX -Account # XXXX, Balance {$0.00}, Available Credit {$850.00} 4 ) XXXX  XXXX XXXX -Account # XXXX, Balance {$27.00}, Available Credit {$820.00} 5 ) XXXX XXXX-Account # XXXX, Balance {$740.00}, Available Credit {$750.00} 6 ) XXXX  XXXX- Account # XXXX, Balance {$25.00}, Available Credit {$1900.00}
Product: Debt collection

This dispute is being filed in regards to my numerous attempts to dispute, remove any/all discrepancies associated with this account from my credit report by said furnisher, LJ Ross . 
The following inaccuracies are listed below : - First and foremost I would like to point out the fact that the the original creditor of this account, which is an energy ( utility ) company is located in XXXX, XXXX. I have lived in Arizona ( over XXXX miles away ) for over two years now. So it is quite clear that this debt does not in any shape, form or fashion belong to me. 
-an evident inaccuracy you will see in the attachment below regarding this account is the fact that its only reporting to two out of the three credit bureaus. 
-Another clearly noticeable inaccuracy is the fact that both bureaus have two different dates on which this account " Last Reported '' ( XX/XX/2023 and XX/XX/2023 ) -.and last but not least two different dates on which the " Date Last Active '' is listed ( XX/XX/2023, XX/XX/2023 )
Product: Credit reporting 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 : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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, states a consumer reporting agency can not furnish an account without my written furnish an 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 and crimes which antedates the report by 7 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
Product: Credit reporting or other personal consumer reports

my address is wrong and i want only XXXX address reporting on my report. I have sent this request in several times. 

Dear Consumer Department : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next XXXX days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is Date of Birth : XX/XX/year>. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

Thank you, in advance, for honoring my requests. Its my understanding that you have up to XXXX days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit reportshowing these changes mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank you. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate XXXX XXXX entry that has appeared on my credit report. As a diligent consumer, it is imperative for me to ensure the accuracy of my credit history. To facilitate a thorough investigation into this matter, I kindly request access to the LexisNexis report associated with my credit file. Having access to this comprehensive report will enable me to provide additional evidence and context necessary for resolving this dispute effectively. I understand the importance of accuracy and reliability in credit reporting, and I am committed to working collaboratively with you to rectify this discrepancy promptly. I can not afford Postal what is why I am asking help from CFPB. Please send within 3-5 business days to my email :
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned because my credit reports are showing discrepancies and misinformation as a consumer. The lack of due diligence the credit bureaus has made truly reflects incorrectly, not only has this been a defamation of character and livelihood but a major violation of consumer rights. 
I have sent all three credit bureaus a letter and they have not corresponded.

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 that a consumer reporting agency can not furnish an 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 7 years.

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

I do not understand why accounts are not reflecting true information about my reporting. I have written below all the discrepancies. I would like for all inaccurate information to be removed as this is in violation once remove Please provide with a updated credit report once information has been corrected. 


XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXX Addresses, email addresses, and telephone numbers to remove : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX Emails : XXXX XXXX XXXX numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX