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

On Monday, XX/XX/XXXX, between XXXX ; XXXX and XXXX XXXX I tried to purchase a money order at the post office at XXXX XXXX XXXX XXXX, XXXX, NY, XXXX. I used both my Chase debit cards and each one was declined. When I went to check my account, the money had been deducted from my account, but the money order wasn't processed. I went to the clerk again and she said that the money order was declined which is why their machine wasn't able to process it. I went back two days later to speak with her and recorded her repeating the same thing on video.

Anyway, I called and made a complaint to Chase on the same Monday to their fraud department. I was promised to have the money credited back to my account within 2-4 business days, it's been 6 days now. I called again on Wednesdays and they said it should only take 4 days at most. When I called again yesterday, XX/XX/XXXX, I was told that they would take care of it and return the money since the transaction posted. I checked my account today ( XX/XX/XXXX ) and the money ( {$1000.00} ) still hasn't been credited to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax via certified mail multiples in XXXX, XXXX, XXXX ( XXXX & XXXX ) and XX/XX/2021 about removing the fraudulent items on my report and i also sent them my FTC Identity theft form notarized. They still have not the negative fraudulent items.
Product: Checking or savings account

My HYS account was restricted all of sudden. I talked to them about the issue. They told it would be solved. After 2 days a person calls me while I was busy working at XXXX. I said I was busy and called back later. The person was saying she was from synchrony bank and started asking sensitive information. I was suspicious about the call and thought someone was trying to scam me. By the way the person was very rude on phone. I didnt give them sensitive information due to that suspicion. Later I came to know after talking on XXXX  in mobile app that the person calling was real. But after 3-4 days of restricting the account they even restricted me from signing in into the account in mobile app. I have been calling them multiple times they say they will unrestrict account in 2-3 days but it has already been 10 days. Nobody lets me know what is the problem. I never had these kind of problems with other banks. I am in acute need of money that is in my HYS account.
Product: Debt collection

Hi I am XXXX XXXX, Im making this complaint against MIDLAND CREDIT MANAGEMENT for identity theft. I have never given XXXX XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until MIDLAND CREDIT MANAGEMENT can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MIDLAND CREDIT MANAGEMENT continues its collection efforts, I will file for litigation for actual damages caused and MIDLAND CREDIT MANAGEMENT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
Product: Credit reporting or other personal consumer reports

You have failed to provide the following information as part of your investigation. 
Kikoff Account # : XXXX I expected a detailed response outlining the findings of this investigation, including the original written instructions from me ( Consumer ) with my wet signature. 
Additionally, I requested documentation, including the periodic statement and tracking number, to prove that each periodic statement was delivered to me at least 21 days before the payment due date, as mandated by 15 U.S. Code 1666b. 
This erroneous reporting has had significant adverse effects on my reputation, personal standing, and ability to secure credit for personal and housing needs. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and expect full compliance with its provisions. Should you fail to delete the inaccurate information, I request that you provide the name and address of the person ( s ) whom you contacted to verify this disputed information. 
Failure to comply with this request constitutes a clear violation of federal law and has inflicted severe harm on my family and me. 
This letter serves as a final opportunity for Kikoff to rectify this issue by promptly deleting the erroneous account from my consumer reports.
Product: Debt collection

There hospital bills which does n't belong to me. It was my EX Husband who was under my health insurance. I have not sign anything at the hospital that I am responsible for any payment.
Product: Debt collection

IMPORTANT MESSAGE ATTN : CBM SERVICES ( CEO ) ( COLLECTION DEPARTMENT ) What I want to discuss here today is that I never gave you consent to share my information. None of the business I have here with you is public it is all private. And I did not give you consent to publicize it. It also states that are required to tell me that and you didnt. The fact that you are using my identifying and financial information and sharing it that is identity theft. Also, I have the right to full disclosure 15 USC 6802 Obligations with respect to disclosure. According to the Fair Debt Collection Practice Act your company did none f the following -speak with me in person about alleged debt -speak with me by telephone about alleged debt -Mail letter within 14 days -Send me any electronic communications within 14 days NO VALIDATION OF NOTICE ABOUT ALLEGED DEBT! 
YOU ARE IN VIOLATION! 

NO AUTHORITY AND NO CONSENT. DELETE THIS INFORMATION NOW. I HAVE THE RIGHT TO PRIVACY.
Product: Credit reporting or other personal consumer reports

I will keep on REWRITING to complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Checking or savings account

I have reached out to Regions many times since XX/XX/XXXX to request that my debit account be set up to decline any and all purchases or charges that would overdraft my account. The most recent of times was XX/XX/XXXX. This is because, as a student paying all of my own bills working as a server, I would like to ensure that funds are not unavailable and to know where my finances stand at the end of each day without having to wake up and see I've been charged an overdraft fee for some obscure charge, or something charged days ago. I reached out to them because I deposited some money on XX/XX/XXXX and was subsequently charged two {$36.00} overdraft fees. I reached out to their customer support to understand these charges and was not given a clear explanation on why these were charged when I did indeed have the funds in my account. But due to their gross negligence to my request that my debit account not approve any transactions that I do not have the funds for, I have been charged hundreds of dollars in the last week alone in overdraft fees. I am fed up with their abusive policies and refusal to set up my account to decline purchases. I do not want overdraft protection, I want them to decline completely. Seeing as it is my money, this should not be as hard as a request as it has been. I have been treated unfairly when I have asked for explicit assistance in managing my money. If they are the company I use to manage my money, how I choose for it to leave my account is my right. These last few months trying to have it set up in a way that I won't be paying extra has cost me hundreds if not thousands of dollars. I understand their policy, and have not officially disputed any fees they have charged, but have only requested that they change how my account approves charges, and each time I am met with the refusal to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have filed a complaint with the Federal Trade Commission because someone open unauthorized accounts in my name. I have tried several times to correct this erroneous information on my credit reports but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Investigation Request Letter Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Collection Account : Klima, Peters & Daly, XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid Account/Late Payments : Klima, Peters & Daly XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. I still have not received any updated credit report from your office. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX and XXXX, XXXX my XXXX account was compromised and my card information on the account was used for 9 different transactions for a total of {$820.00}. After reading my email on XX/XX/XXXX I noticed an email confirmation for something i did not buy. I immediately called the XXXX XXXX XXXX   XXXX  customer service and put a block on my card and had them send me a new one. I tried to contact the seller " XXXX '' to get a refund. They told me i need to contact XXXX and get a refund through them. I proceeded to file a dispute claim through XXXX for all 9 transaction. After a couple days i got a Refund on 3 of the transactions for {$61.00}, {$36.00}, {$56.00} for a total of {$150.00}. XXXX XXXX sent me a form on XX/XX/XXXX that i completed with all of the above information. They sent me a letter dated XX/XX/XXXX that stated " Based on the results of this investigation, your claim has been denied due to inconsistent conflicting information given.You have the right to request copies of the documents that we relied on in making our determination. We consider this claim resolved and your claim has been closed. '' On XX/XX/XXXX i wrote them a letter stating that i would like them to reopen the claim and credit me for the total amount minus what was already refunded, {$670.00}. I also stated that i would like to request the documents that they used for their investigation. It is now XX/XX/XXXX and i have not received a letter from them yet. All of the transactions are listed below, including the three refunds i received through XXXX. I would like to have my account credited for {$670.00}. 



XX/XX/XXXX XXXX ( {$590.00} ) {$1900.00} XXXX *XXXX.XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$59.00} ) {$1600.00} XXXX *XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$63.00} ) {$1700.00} XXXX *XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$1700.00} XXXX XXXX-XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$41.00} ) {$1700.00} XXXX *XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$1800.00} XXXX XXXX-XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$36.00} ) {$1800.00} XXXX *XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$1800.00} XXXX XXXX-XXXX  XXXX XXXX XX/XX/XXXX XXXX ( {$61.00} ) {$1800.00} XXXX XXXXXXXX XXXX *XXXX XXXX XXXX  XX/XX/XXXX XXXX ( {$0.00} ) {$1900.00} XXXX XXXX-XXXX XXXX   XXXX  XX/XX/XXXX XXXX ( {$41.00} ) {$1900.00} XXXX *XXXX   XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$1900.00} XXXX XXXX-XXXX   XXXX XXXX XX/XX/XXXX XXXX ( {$55.00} ) {$1900.00} XXXX *XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$2000.00} XXXX XXXX-XXXX  XXXX XXXX  XX/XX/XXXX XXXX ( {$56.00} ) {$2000.00} XXXX *XXXX XXXX *XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a forbearance of my mortgage in XXXX and XXXX of 2020 due to being furloughed from my job. I was told by the agent from M & T before accepting the forbearance that this would have no effect on my credit because I was current on my loan prior to taking forbearance. My house sold and the loan was paid in full on XX/XX/XXXX. I went to get another loan and found out my credit rating was 75 points lower than were it was prior. When I pulled my free credit reports I can see that M & T reported me as LATE both XXXX and XXXX and I show 60 days late/delinquent for XXXX. Under the CARES act this account should have been reported as CURRENT not late and it should have no negative effect on my credit rating. Looking at my credit reports there is NO DOUBT that M & T reported negatively. It's the only adverse account in my entire record. I would like this corrected immediately. I've tried to get M & T to correct it and they refuse.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to dispute the presence of fraudulent accounts on my credit report, which have persisted despite previous requests and confirmed documentation of identity theft. It is my understanding that failure to comply with the law by removing these fraudulent accounts constitutes a violation of regulations governing credit reporting. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

I request an immediate investigation into these accounts and their removal from my credit report in accordance with legal requirements. Your prompt action in resolving this matter is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account should never be on my credit report
Product: Debt collection

I want to report that someone opened a account with XXXX XXXX  which was sold to Transworld Systems INC without my knowledge and Its now being reported on my credit report and this is definitely fraud and its defamation to my character and I want them to remove it immediately and to investigate who actually opened the account.
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 : STATE OF MI OFFICE XXXX : Account Number : XXXX Account Name : STATE OF MI OFFICE XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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

I had a fraud issue and had a copy of my credit report pulled. After review mistakes were found. Please note under 15 USC 1681b, I never had a communication with USAA credit card company and had never gave permission placing disclosing on my credit history.
Product: Credit card

In XX/XX/XXXX, I purchased a sofa set with Raymor and Flanagan for {$900.00}. Shortly after the purchase ( XXXX XXXX ), one of the legs broke. I called to file a complaint several times and received varying responses over the phone with Raymour and Flanigan, including that someone would be sent to repair the object, that I needed to send photos to a link that I never received and that the merchant would be contacted to determine whether a new piece could be obtained for the damaged product. 

I had to contact Raymour and Flanigan several times to follow up when nothing was done. Each time I reached out, I had been told that there was no record of having made a complaint. The first record of my complaint was made in XXXX, XXXX ( more than one year after I first complained ). Finally, once my warranty on the item expired ( XX/XX/XXXX ), Raymour and Flanigan informed me that the merchant did not have a piece so nothing could be done. I purchased a sofa. There is no reason that I should have to replace it within a year or even two years. As a customer, I find it absurd to be told that there is nothing that can be done. So I have to buy a whole new sofa?

Being that I am on a payment plan for this item, I am paying through TD Bank. I files a complaint with them, which ended in favor of the merchant. Additionally, after calling Raymour and Flanigan about the amount that I am being charged with TD bank, it turns out that TD Bank is charging me more for the items that I purchased than Raymour and Flanigan is. When I asked TD bank about it, no one could tell me the reason because the system did not show the purchase history, since it was too far back. So am I expected to just pay my money toward something and no one knows what it is that I am paying for? Absolutely unacceptable. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX has violated my rights under 15 USC 1618 section 6 o 2 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report XXXX XXXX XXXX XXXX Account number XXXX the account was charged off for the first time in XX/XX/XXXX. I noticed these charge off have went on for nearly 3 years now, negatively impacting my credit score each month up until this last month XX/XX/XXXX. This is illegal! FCRA law section 623 says an account can be reported delinquent on the months THAT IT IS LATE but once an account is closed it CAN ONLY REFLECT charge off up until the closing date. Anything after that is not supposed to be reported. Also in XXXX my report shows a 30 day charge off for two months in a row ( XXXX and XXXX ) which is not possible and inaccurate. The same thing happened in XXXX where I have two 30 day late payments back to back for the months of XXXX and XXXX. these are violations of my rights and have made my life much harde to obtain credit. this is not the first time I have brought this to attention.