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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number XXXX XXXX Delete this account. 

. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

This has been a reoccurring problem with Wells Fargo and my Surviving Spouse benefit check from XXXXXXXX XXXX I trusted my bank to handle my funds and my account to be correct until I started looking for a place to rent for me and my daughter. 
Wells Fargo intentionally misrepresents the " Early Pay Day '' and for the first time, I received documentation that they don't really make your funds available. It just appears in your available balance, but it isn't actually there. It's called an advance. I was never informed that it was an advance and I wasn't given the opportunity to decline the service. I've lost about {$1500.00} due to their " service ''. They post the money in my available balance, but then they don't subtract any transactions from the deposit, they subtract it from the previous balance, which always puts me in the negative before my check is actually deposited. I am not signed up to overdraw my account, as I am trying to save money. All I have done is lost money since my time at the bank. They haven't offered to fund my account the {$300.00} they are giving away to new customers or even offered to fix my account to what I was under the impression the balance was. They did say " We are sorry to hear about you trying to understand how the advance works. '' If a new service had been started, and they state that they are offering access to your deposit early, that's exactly what should be done. Or if it's an advance, we should have the opportunity to accept or deny the service. 
**Today is payday for my payroll check. It is still showing as pending even though it should be all the way available.
Product: Debt collection

i was in contact with medi credit inc regarding a bill in collections of XXXX dollars in which i requested to see proper debt validation which would include signatures of the gurantor on the contract i never promised nor signed anything therefore legally and by fcra policy i dont owe anything that there is no contract for per section 609 of the fcra i have conversed with this company and have recordings where its said i technically dont owe
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violating my rights 15 USC 1681 section 602 A states I have a right to privacy and 15 USC 1604A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX to XXXX I saw a lot of pre-approvals on Credit Karma at first I didn't pay it no attention but credit karma kept sending me all sorts of different pre-approvals telling me that I was pre approved for credit cards, personal loans and that I can refinance my car, everyday I would see these offers every time I logged in to check my credit scores. So after a few months of being told that I was pre approved I thought I was now in the perfect place to apply I got so many offers through credit karma, I started telling my family about vacations and investments we was going to use these pre approvals for. So I applied on or around sometime in XXXX and I got denied for 3 credit cards and a personal loan I was distraught and was angry and I felt deceived I was marketed for months, credit karma told me I was pre approved This was a lie, I was severely stressed out, XXXX  for weeks I had headaches so bad I became antisocial my XXXX  went from XXXX to XXXX XXXX, now Everytime I see pre approvals I immediately close my phone. This has made me so uneasy and XXXX  that I haven't checked my credit as frequently as I should.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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
Product: Bank account or service

Possible scam. Have attempted twice to get a PayPal XXXX XXXX. They have deactivated the card both times before it has arrived.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with a company called XXXX XXXX was opened with my information. Owing {$2300.00}.
Product: Checking or savings account

On XX/XX/XXXX, I disputed a transaction with PNC Bank involving a fraudulent charge of {$2600.00} from XXXX XXXX XXXX. This company, which claimed to provide nanny services, took advantage of me during a highly stressful XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I later discovered that XXXX XXXX XXXX does not have a valid physical address, making legal action in Pennsylvania impossible. The alleged address at XXXX XXXX XXXX XXXX, XXXX, PA XXXX, leads to a XXXX store. Additionally, a constable attempted to locate the agency in XXXX, but it was confirmed they were also non-existent at that location. 

PNC Bank initially provided me with a provisional credit for the disputed amount. However, on XX/XX/XXXX, they reversed this provisional credit, asserting that the payment was authorized. I explained to PNC Bank that the payment was not for any service rendered and that it was fraudulent. Despite my explanations and the clear evidence of fraud, PNC Bank did not reinstate the provisional credit. 

I requested detailed information and documentation regarding the reversal of the provisional credit, but PNC Bank did not provide the requested documentation or a satisfactory explanation. My efforts to retrieve the funds through the court system have been unsuccessful due to the lack of a legitimate address for XXXX XXXX XXXX, confirming the fraudulent nature of the company.
Product: Debt collection

I am receiving calls and texts from XXXX with The Aubrey Thrasher LLC Law Firm trying to collect a debt for my moms business. He is also harassing my dad with calls and texts. I don't speak to my mom nor does my dad, who has been divorced from her for 15 years. The texts read : XXXX contact XXXX with The Aubrey Thrasher LLC Law Firm in regards to XXXX XXXX XXXX XXXX vs XXXX XXXX XXXX XXXX XXXX, XXXX Your case number is XXXX. My direct line is XXXX. I called the number and spoke with " XXXX '' and explained that I was her daughter and do not have contact and that I didn't appreciate the contact. He said that he showed me and my dad as contacts for her, which we are not and then became beligerant and pushy for us to contact her on his behalf. Then he hung up the call. But, then proceeded to call me back again just after which I ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its unfortunate that you believe me to be an imbecile, im well aware of how the CRAs operate and that they can not make any changes to an account without the express authorization of a creditor, which means that XXXX had to give XXXX express instructions to Delete or Suppress the account. Now under the statue of good faith I hope that you will see reason in this final attempt for a just outcome. I do ask for your understanding, I was young and dumb when I first got the car ; and im not asking you todo anything that hasnt already been done on your part. Right now im XXXX and im trying get my 1st house, and a new car however I cant do that because this single account is holding me back by 200+ points on my credit report. Once again I plead with you to see reason as I would not like to take you all to court ; I will unfortunately be forced to seek legal counsel in pending litigation of small claims court and the attorney general if we cant come to terms. 

Now under Section 623 ( a ) ( 2 ) of the FCRA If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Which means that as of XX/XX/18 when Toyota reported to XXXX to have the account Deleted or Suppressed that same information should have been sent and updated to all the bureaus. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I intend to follow through with the suit if I do not hear back from you within 15 days Best regards,
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX KINDLY DELETE AND BLOCK ALL NONACCOUNTHOLDINGINQUIRIES ASI DID NOT AUTHORIZE THEM XXXX
Product: Mortgage

I applied for hardship due to XXXX XXXX. I'm entitled for 18 months. This program expired on XX/XX/year>. My application was XXXX to XXXX which falls within the umbrella before the expiration which is XX/XX/year>. They put me in forbearance but they did not defer or put it at the back of the loan. 
My house was vandalized when I was at the hospital and they mislead me telling me to repair repair and we will help you. I was expecting them to put it at the back of the loan but their in error have not approved the deferment that put me in a position that I'm behind in payment and now they won't even accept single payment. I feel that they really want me to be default so they can get my property. The investor disapproved because he said the equity is higher than what I owe. Help
Product: Money transfer, virtual currency, or money service

Issue started on XX/XX/XXXX with a wire transfer to a XXXX ( fraud scammer 's account ) for {$25000.00}. Followed up with BOA on XX/XX/XXXX and found this was a scam. I reached out to TD bank customer service on XX/XX/XXXX around XXXX pm and the customer service rep saw the transaction in the cue and was not able to do anything. I went to BOA the morning of XX/XX/XXXX and spoke with the bank manager and informed to fill out paperwork for an investigation to start and to also go to the TD branch in person which was done immediately the same day. The manager at the TD branch saw the transaction in the cue and said I have to go through my bank in order to get the funds back. The process was done. BOA never followed up. I reached out to TD bank and was informed they contacted BOA on XXXX and again on XX/XX/XXXX. BOA never followed up to indicate this. I contacted the customer service on XX/XX/XXXX on phone number XXXX at XXXX and again on XX/XX/XXXX at XXXX. On both calls the agents were given my complaints and said my issues will be forwarded higher up. Again nothing was done. It was brushed under the rug since BOA knew they did not follow practices. 

Another issue was at the ATM on XX/XX/XXXX. I went to the BOA branch and informed the bank manager at the location what happened and was told there was nothing they could do and contact the number on the ATM machine. I called that number multiple times and told " sorry for your loss and there is nothing we can do ''. I researched and saw that electronic journal is a detailed record that records every transaction made on the machine including date, time, transaction and account sent to. The amount of the 2 transactions was {$11000.00}. Was told multiple times there was nothing that could be done that was a lie. After a complaint was filed they then did little research and could never get the information correct and later my issue was dropped and swept under the rug and no one was held accountable for both issues that occurred.
Product: Checking or savings account

Bank of America Denied to open an account, I was discriminated against, I don't care if you have had accounts closed, do not decline someone to open a checking or savings account, banking practices, are wrong, seems like they only care about XXXX credit, stop discriminating against people with bad credit or closed accounts, these practices need to stop
Product: Checking or savings account

I am writing to report a severe breach of security and unauthorized activity on my checking account with Capital One. on XX/XX/XXXX, I discovered that the entirety of my funds, amounting to {$1500.00}, had been illicitly accessed and spent without my consent. 

This incident has left me in a precarious financial situation, causing significant distress and inconvenience. I promptly contacted Capital One to report the issue and have taken the necessary steps to secure my account further, but nothing has been done nor solved as of now. However, the urgency of this matter requires additional attention and investigation to rectify the situation promptly. 

I request a thorough inquiry into this security breach.
Product: Credit card

for many years I have had my Discover cash back linked to my XXXX account allowing me pay for my XXXX purchases with my Discover cash back. A few days ago Discover disconnected my Discover cash back from my XXXX account taking away my ability tto pay for my XXXX purchases with Discover cash back. I call Discover asked why? Discover told me because I had refused to give them the ability to sell my personal data to third parties they were removing my Discover cash back link from XXXX. NOTHING in my Discover credit agreement allows for Discover to withhold contracted priviledges afforded any other Discover card holder nor is there any EXTORATION if the dedtor refused to allow personal information to be sold to third parties - yes EXTORATION!
Product: Debt collection

Filed suit against me in XXXX County Court of Common Pleas. Negotiated settlement with XXXX dollar down payment and XXXX dollar monthly payments. Made XXXX monthly payments on time. Since then have not received any verification that debt collector received my payment, no communication via mail, and phone number is out of service.
Product: Money transfer, virtual currency, or money service

I did some work for a company that paid me {$50.00} thru paypal. When I requested transfer to my XXXX XXXX debit card on file at Paypal 7 times transfer failed 7 times. When I requested Paypal mail check Paypal began asking for my credit card number claiming to want to confirm who I am. Customer Service at Paypal made false statement several times and still refuses to mail my money or transfer money. XXXX XXXX says it has no record of Paypal trying to transfer money at any time for any reason. 

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

Trans Union XXXX XXXX 15 U.S. Code 6803 states, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

And I was not provided a clear and conspicuous disclosure in no form under regulations prescribed under section 6804 of this title financial institutions, policies, and practices with respect to the consumer
Product: Money transfer, virtual currency, or money service

! XX/XX/XXXX there was a ACH transfer from my XXXX bank account to XXXX XXXX XXXX, by way of Veem. On XX/XX/XXXX I contacted XXXX, put a hold on the account. 
XXXX  XXXX XXXX says I need to go the the XXXX XXXX XXXX for redress. 
XXXX XXXX XXXX said I have to go through VEEM. 

A Veem representative called me on XX/XX/XXXX and said they would refund the amount taken- {$42000.00}. its been XXXX weeks and nothing from them. 
I tried calling, leaving messages and sending email to their Fraud help email on their website. No person can be reached, even at the extension I was given. 
No return messages or email. 

The VEEM rep also said on XX/XX/XXXX that a fake account was opened in my name using my email and EIN number only. That enabled scammers to take money from XXXX  XXXX XXXX account. 

Please help
Product: Mortgage

Wells Fargo Bank : Loan XXXX We paid this loan off IN FULL on XX/XX/19. However WF, on the same day, charged us {$1400.00} in foreclosure legal fees. In other words, WF did not process our paid-in-full payment timely.This is also illegal because WF did not formally notify us that we were in foreclosure before initiating the foreclosure legal fees. 

I sent a written complaint about the above to the Wells Fargo Legal Department on XX/XX/19. I mailed the complaint by certified mail, return receipt requested. I have never received any response.
Product: Credit reporting or other personal consumer reports

There was Fraudulent charges on my XXXX XXXX XXXX XXXXXXXX From XX/XX/year> to XX/XX/year> Also fraudulent hard inquiries recently added to my credit report. We already had this tried to delete these. I filed a complaint wuth the FTC and attached the report report. accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : 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 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED 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

As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores.

Please see the attached XXXX  file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Product: Checking or savings account

From XX/XX/XXXX XXXX XX/XX/2024 my debit card was compromised by someone who spent almost {$2000.00} over the course of multiple transactions. I called my bank immediately to report it and get a new debit card. I thought wells fargo would be able to reverse these charges to get my money back. They provided me with provisional credits and now 3 months later they denied my claim and are attempting to reverse all of those charges. This is very unfair.
Product: Checking or savings account

XXXX XXXX sent {$3000.00} from XXXX XXXX for or through XXXX XXXX. XXXX XXXX had me send money to him through other people and now the have stole {$2000.00} from my personal bank account.