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

XX/XX/XXXX transferred 2 test debits from citizens bank to another account in my name. Went through fine. 
XX/XX/XXXX transferred {$10000.00} from citizens bank to other account XXXX called citizens bank to Check on status of transfer. Was told it would take a few days XXXX called citizens bank to check on transfer. Was told money should already be in other bank account. 
XX/XX/XXXX - called citizens bank to check on transfer on 3-way call with new bank. No results/ told to wait more days as the transfer went through fine. 
XXXX has to borrow {$10000.00} from employer in order to complete home purchase, because I was unable to buy the home I saved for 15 years to buy due to citizens bank still holding my {$10000.00}. 
XXXX called citizens bank as still did not get transferred {$10000.00}. Was told it should be fine, and was processed. That The other bank is at fault. 
XXXX called citizens bank to find my {$10000.00} and got extremely angry, finally was transferred to someone who said the funds are on hold actually and the transfer was cancelled. Was told I should have my funds back by XX/XX/XXXX XXXX funds of {$10000.00} not returned to me, check to repay my employer bounces. Jeopardizing purchase of my home as well as my employment. 
Still Do not have my money back. This bank has jeopardized my entire life. If one person in the many times I called had given me any real information it would be a different story. 
Each call to this bank had over 20 minute hold time to speak with someone. 
I still dont have my money. 
My costs associated with this include bounced check fees for both me and my employer who loaned me the money, {$750.00} fee to my employer for the loan in the first place, not to mention incredible stress, Many hours of my time, jeopardizing my home purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

XX/XX/2018, I initiated a funds transfer through Chase.com using a tool called XXXX to my wifes checking account. I have never used the tool before so I initially sent her {$10.00}. She received a text almost immediately stating that funds had been deposited into her account. I then transferred {$500.00} assuming that the transfer had been processed correctly. About an hour later she realized that the funds we not deposited into her account. Despite the fact that I provided the correct information, the funds were transferred to the wrong account. I opened a dispute with both Chase and XXXX. XXXX advised me that there was nothing that they could do and I needed to contact my bank. Chase advised that there was another account that has that phone number. That other account does not belong to XXXX XXXX yet the money was deposited to that account in error. They said that because I initiated the transfer they were not responsible even though they did not accurately verify the information that I provided. Chase did say that they sent the recipient a courtesy email requesting that the money be returned but that they had no response. This error is a result of Chase and/or XXXX not accurately verifying the information that I provided. If you review the transaction history you can verify that the information I provided was correct. Chase executed the transaction incorrectly, but they will not take responsibility for the error. 

If you do a quick search of the internet you will find that there are numerous complaints from people that have had the same issue. While researching this issue I found that apparently it is fairly easy to change the phone number on a checking account and intercept payments made through XXXX because of the virtually non-existent verification process that is used. If one was  so inclined they could change the phone number in their account settings to any phone number. That could trigger XXXX pay and Chase to identify your phone number with the wrong account and any payments made to you through XXXX could go to the wrong account. 

What confuses me most is if she enrolled in XXXX through the Chase website using the link provided to her, how can transfers made to her through XXXX get sent to somebody else?
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint Complainant Information : Name : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Subject : DEMAND for Immediate Removal of Charged-Off Accounts from Credit Report Complaint Details : This is a formal demand for the immediate removal of two charged-off accounts that are inaccurately and unlawfully appearing on my credit report. The accounts are as follows : XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX Both accounts have been charged off by the creditors, and under IRS regulations, the charge-off amounts are considered taxable income. The debts have been satisfied in accordance with federal tax law. Therefore, any continued reporting of these accounts as unpaid is not only misleading but outright deceptive and in violation of the Fair Credit Reporting Act ( FCRA ) and potentially other consumer protection laws. 

The failure to correct this misinformation is causing significant and unnecessary harm to my financial reputation. Let me be clear : this is a violation of my rights as a consumer, and I will not tolerate this negligence any longer. 

Attached to this complaint is a Federal Trade Commission ( FTC ) affidavit. 

Resolution DEMANDED : The immediate and permanent removal of the two charged-off accounts from my credit report by all reporting agencies.

Written confirmation that these accounts have been removed and that my credit report is fully accurate and reflects the resolution of these debts.

Should this matter not be resolved promptly, I am fully prepared to escalate this case further, including filing additional complaints with other regulatory agencies and pursuing legal action if necessary.

Attachments : FTC Affidavit.

This matter requires your urgent attention. I expect a response within four days as per FTC. Thank you for addressing this issue promptly and appropriately. 

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

I called Harris & Harris LTD and ask them to please remove the collection of XXXX dollars that is owed to XXXX XXXX XXXX in XXXX XXXX, I paid the XXXX dollars in the month of XX/XX/XXXX with a credit card from XXXX XXXX XXXX, they said I would have to contact XXXX, so I did and they have yet to remove it from my credit report. Please help remove this item
Product: Debt collection

I sent out a 609 letter to XXXX XXXX XXXX to validate the alleged debt i owe XX/XX/2018 via USPS certified mail they received it on XX/XX/2018 at XXXX they responded back in between XX/XX/2018 to XX/XX/2018 with alleged validated debt information back dated to XX/XX/2018. the information is incorrect and not valid debt due to is not showing sufficient enough information to prove the debt indeed belongs to me. it just shows a bill from the original medical provider that i never rendered services from. please help me correct this and hopes of getting this settled.
Product: Mortgage

I have tried to work with Planet XXXX XXXX. I have a XXXX child that requires constant care. I went for help and they filed a Chapter XXXX bankruptcy for me to help me but I want to keep my home. I just started a full time job and had to wait for proof of income. to give to Planet XXXX XXXX. I received a statement stating what my new payments were. I made the payments they sent them back to me. 

I am trying to correct what is wrong. Make a XXXX just installed a XXXX to help with my daughters therapeutic and mobility so that at some point she might be able to move some parts of her body. 

I am looking everywhere for help. Please help me! 
I am working and my new boss is doing all that he can to help me. 
please save my home from foreclosure scheduled for XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting wrong balance amount steady increasing balance after years of charge off keeps reporting open and closing of account to purposely damage my score as a form of harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account. XXXX XXXX XXXXXXXX XXXX account. XXXX XXXX account. XXXX XXXX XXXX account. XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

In XXXX XXXX University XXXX XXXX XXXX accepted me directly into their medical program while neglecting some factors that would underqualify other students but would place then in a XXXX program to help cover the qualification gap. I did not have classes that were requirements for others and I was not reccommended into their pre-education program. I was pressured to make a decision that seemed too good and the recruiter manipulated my emotions and expectations to make a quick decision. On XX/XX/XXXX I submitted my application for XXXX. XXXX seeking a loan discharge and forgiveness for fraud.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit report. Despite multiple attempts to dispute and remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. I would like to provide a brief overview of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. I promptly reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected timely resolution and accurate reporting of my credit history. I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraud on credit reports. I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just want to make it clear I did everything in my power to work things out with these creditors all of them when I got sick they saw when my health went down credit started going down I began crying when they called telling them listen I don't have a dime and a XXXX XXXX XXXX daughter if you can let me get my XXXX I will pay every one of you but they went forward and I have judgements against me that I didn't even get paperwork to go to court on. I purchased my XXXX XXXX XXXX XXXX and was financed I made every payment on time or before time until I became unable to work due to a sudden disabling illness. I worked at the XXXX XXXX XXXX I made good money and when everything ran out while I was waiting on XXXX my mother helped me make those payments that's why some of the payments got behind we were doing everything we could to stay current I was hit with another representative in the collection department and instead of him taking the payment he said I had to do a voluntary repossession and I owed less than XXXX dollars and I told him my case was going to court for my XXXX in XXXX it said please work with me I can just pay it and whatever left do for late payments I would pay off when I received my XXXX. He said the best thing you can do miss XXXX is relinquish that bike and it sold for more than what I paid for it yet they're coming back on me for money on the repossession company that came to pick it up because there was no way I was in any shape to try to get that motorcycle up there I had no choice but take a XXXX retirement because I have XXXX 's XXXX and if you look through my credit everything was paid on time and never late until I was taking out of work in XXXX I have explained to these people every time they call and they continue to call and send letters threatening me I get XXXX a month I barely get groceries I don't qualify for food stamps I don't qualify for XXXX I have to use my XXXX and I have to pay 25 % of co-pays or either it's 25 % of whatever the total cost is for that day and I can't even pay that
Product: Credit reporting or other personal consumer reports

Trans Union never investigated the information I told them to dispute. I'm upset need all of these inquiries to be removed along with the collection from XXXX XXXX they never removed that does not belong to me as well. I know that there was a data breach and false information. Please remove all due to this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have charge this account off, but is still showing open on my credit. this company is reporting that the first missed payment was in XXXX, I opened this account with XXXX XXXX XXXX in XXXX of XXXX, shortly after that i loss my job try to work something out with this company, and they would not, the documents i have sent, showing XXXX though XXXX of XXXX pay history showing all the return payments and there was only 4 payments made by money gram on this account, You will also see how many times this company post on return payment, every time i dispute this account this company would change this account to keep it on my credit, the same information you will see on the history of this account is the same information i sent to the credit bureau, and was told that XXXX XXXX XXXX told them that pay history was wrong. I also send a copy of XXXX XXXX XXXX credit report showing this account is still open open on credit report.,
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNt : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased this car in XXXX of XXXX brand new. The payment was super high as I had to rollover my old car loan into it. The payment was almost 800 a month. I was able to rewrite the loan XX/XX/XXXX for a easier payment of XXXX a month. I was married at the time and able to afford it. I however became separated early XXXX and then divorced in XX/XX/XXXX I called Ally multiple times to ask for extensions lower payments and even a new loan..I tried to get a different car to get into something I could afford but I was so far behind on payments I was unable to. I love my car and I love my loan company. I have been late with them a few times and they always send me letters to remind me I am late and then it happened 2 times ... The final notice of payment came in mail..I always struggle with finding to pay just the actual amount of the loan and then Seeing the big amount I freak out. I have XXXX babies that rely on me and I need my car. I have put everything into that car. It is worth maybe 14k now and I still owe about 20k ... .I feel as if I am never going to get out of this loan. I need help and am struggling to pay this ... it usually is between food or car.
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 : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX and 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 reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureau to remove the unauthorized inquiries and personal information that are found on my report. But still those inaccurate items are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

All of these inquiries were not done by me and I have filed an identity theft report to the ftc. I request all these inquiries be deleted from my credit report immediately by law you have 10 days from this complaint 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 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