23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

During the afternoon of Tuesday, XX/XX/2018, I was unable to cash a check at U.S.Bank, on which the check was drawn. I had valid proof of my identification. I was told by by bank teller XXXX XXXX that U.S.Bank would not honor the check because I was not a bank customer. In fact, I am a customer, having two credit card accounts with U.S.Bank. She said that only if I paid a {$7.00} NON-CUSTOMER fee, would she cash it. I asked to speak to the branch manager. I was told that XXXX XXXX was the branch manager, which was a LIE. I had to wait 15 minutes to speak to her while I could hear her gossiping on personal business on her telephone. But the bank 's HQ in MN says that XXXX XXXX is the branch manger. Why wasn't he informed about me? So, usurper XXXX XXXX repeatedly stated that to me that USBank credit card holders are NOT customers. TOTALLY ILLOGICAL! She also said that she did not know what the bank 's policy was because she was " not a lawyer ''. She NASTILY told me that she would follow XXXX 's advice and charge me a {$7.00} fee to cash their check. USBANK is abusing its national banking charter by considering customers to be non-customers. As a result of such EXTORTION, I did not get the money which the bank has and owes me. Therefore, I am 1 ) tellong the several people who give me USBank checks that in the future they must pay me in cash because of their greedy bank. 2 ) I am initiating a drive to the relevant congressional banking committees to improve current law abused by big banks. 3 ) I will begin to phase out use my two USBank credit cards and use other banks ' cards that I have. 4 ) Badmouth USBank to many, many people ( I have already started ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX Ohio XXXX I have sent out numerous disputes, and complaints regarding information found in my credit reports that do not belong to me. These accounts are : XXXX XXXX Dept of education/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I believe these account were opened as a result of fraud. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Please remove any and all personal information thats not listed is this complaint, my only address is XXXX XXXX XXXX XXXX Ohio XXXX, please remove all other addresses as there also not mines.
Product: Credit card

On XX/XX/year> I called my credit card company Barclay XXXX XXXX Mastercard to place a hold on an authorized user XXXX XXXX and on XX/XX/year> the credit card company authorized XXXX XXXX to make a charge on my account in the amount of {$3400.00}. When I called the credit card company on XX/XX/year> they acknowledge that there is a record of a phone conversation between myself and a representative on XX/XX/year> but claim that there are no records and no request of a credit card hold. I have requested a dispute of the charge with no results and I have requested to speak with a manger and have yet to receive a phone call. 

I am a consumer who needs assistance. I feel that the credit card company is committing a fraudulent action against me. If this is not the appropriate agency, please guide me to the federal agency that can help me or if you can forward me claim to them, I would greatly appreciate any help that you can provide me.
Product: Credit reporting or other personal consumer reports

Ive had multiple inquiries from your company show up on my credit report that I know I didnt authorize.
Product: Credit reporting or other personal consumer reports

I am utilizing my report to dispute and investigate these mistakenly reported accounts on my credit file. According to the Fair Credit Report Act, I am eligible to receive {$1000.00} for each incorrect report. I understand that FCRA 605B requires us to report any inaccurate accounts on a consumer 's report.
Product: Credit reporting or other personal consumer reports

Why am I still receiving emails from the bureaus claiming Im assisting credit repair companies? This is incorrectI send the letters myself. Take action now, or I will pursue legal action. Here is the list of negative accounts and inquiries I want addressed. 

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

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 


XXXX 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

Im frustrated to find that my report contains errors that are unfairly dragging down my scores. These mistakes have already led to unnecessary challenges that I shouldnt have to deal with.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two multiple payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 
Please provide accurate and verified information for each claim, as the allegations are not true, or I'll delete them immediately if that is indeed the case! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  XXXX XXXX : {$1100.00} Date Opened : XX/XX/XXXX, XXXX XXXXXXXX Balance : {$1400.00} Date Opened : XX/XX/XXXX
Product: Debt collection

In XX/XX/XXXX I filed chapter XXXX bankruptcy I included Monterey collection services they were sent notice this has been a long court case they are stating that I owe XXXX on XXXX dollars and half has been paid, they have ignored all bankruptcy proceeding and I am currently due back in court with them on XX/XX/XXXX for them to answer for this account making threating phone calls and threating to destroy my credit. They were served this month with legal actions in regards to this and they are able to look up all bankruptcy information. 

they have this as an open account that they will not be collecting on due to my bankruptcy. by law, they are not to contact me or attempt to collect a debt that is in bankruptcy. disputed this with the credit bureau also. because they continue to report it as a debt. I would like for them to acknowledge that they received all documents pertaining to this bankruptcy and they did not shoe for the creditors meeting to speak against so it's in the process of being discharged,
Product: Debt collection

I was sued by XXXX XXXX XXXX, and they didn't properly serve me with personal service in accordance with XXXX XXXX. A default judgement was obtained without me being proper service, and a XXXX was issued against me and my property. I was sued in 2015, and a XXXX has been filed against me every since then. I haven't been able to live fully because this debt has stopped me from obtaining credit on several occassion. They provided the court with a document that stated I had been served. However, they didn't file the proof of service from the XXXX or another process server.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX i filed disputes with all three credit bureaus under my understanding they have 30 days to response its has been more then the 30 days and i have yet to receive anything.
Product: Mortgage

I experienced a very difficult hardship in XX/XX/XXXX & XXXX of 2014 I lost a family member in XX/XX/XXXX and another in XX/XX/XXXX which put me far behind to the point that I had to cash in on my retirement plan to keep up my payments until I fell behind which is when the request for a modification was submitted with Wells Fargo and nightmare began. My soon to be my ex-wife was helping me with the process and was following up every 4-5 days with Wells. Contact was XXXX XXXX XXXX ext XXXX. I received a letter dated XX/XX/XXXX advising me that information was carefully reviewed and " Proprietary Step Rate Program '' I did not meet the requirement due to maximum number of modifications allowed. Contacted XXXX and he repeated the same thing as the generic letter received I also received a letter also dated XXXX/XXXX/14 giving me another reason which had to do with NPV which he explained it 's " complex formula developed by the Treasury and XXXX was not acceptable by the investor ( XXXX different decision on the same date ). 
On XXXX/XXXX/14 I was advised by XXXX to appeal decision and I did. He asked for a Market Analysis from a Real Estate which I provided, then he sent a request for XXXX to order an appraisal which he sent a copy of for property value of XXXX when I called him to also discuss a mold issue which was discovered after removal of wall paper in the basement. He argued with me about the appraisal of the property, he took it personal and said " It is not my fault that prices are what they are and why does the lender have to take the loss '' with all this I received another generic letter with denial for the same reason " Already received the maximum number of modifications. Since all this he ordered XXXX additional appraisals each one higher which is what he wanted to see. Again It very personal. We went thru this process 3 times with same result, from here we filed a complaint with upper management and case was assigned to XXXX XXXX Executive Mortgage Specialist after I advised them of this complaint. they asked for time to review during this process they assigned another XXXX XXXX ext XXXX, we received several letter in XX/XX/XXXX advising that the review was still in process and extended waiting period in the meantime I heard nothing until I called for an update and was told modification was denied in XX/XX/XXXX this iformation was given to my wife by XXXX. Needless to say I was shocked, I never received the result of the investigation I have letters advising of this and XXXX tells me modification was denied in XX/XX/XXXX. This is unbelievable. One other thing with XXXX he asked me about what would be a good value for the home and I said XXXX less the invoice which I sent to him ( per his request ) to remove the dangerous mold throughout the basement. He never replied other than correspondence stating he ordered new appraisals. Please help me as I have been in this house for 24 years, I raised my children and the neighborhood is not good by I have a lot of memories here. I have been fighting with Wells Fargo employees and this is n't personal.
Product: Credit reporting

I am filling this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the accounts to all three credit reporting agencies and they have not corrected this information and identity theft packets. No action has been taken to remove these fraudulent accounts. Also, inconsistency on credit report, derogatory inquires, and reports errors.
Product: Credit card

On XX/XX/XXXX I made a payment on my account using my bank account for funding. It seems that there were insufficient funds so it kicked the payment back. On XX/XX/2024 my bank released those funds to Chase to pay my bill. On XX/XX/2024, Chase said they tried to run it again and it kicked back again. I have spoken with 6 people at Chase who keep saying they can't help me. I have sent numerous emails through their secured system including the ach form from the bank showing the money left my account as well as a copy of my bank statement showing the money left my account and was not returned. Chase keeps telling me that it didn't go through on the XXXX and that they can't help me.
Product: Credit card

In XX/XX/2023, I shopped at XXXX and signed up for a store card offered by XXXX. In paying for the merchandise via my bank, XXXX, the payment was XXXX day late due to XXXX error. I called at least XXXX  times to resolve the issue with late fees and was transferred from person to person, spending hours of personal time trying to resolve the issue, including documentation from XXXX. From a {$15.00} late fee from XXXX they refused to credit, they continue to add fees and interest and extra charges. They leave me messages to resolve but when I call, they keep asking me for higher and higher payment amounts. The merchandise I purchased has been paid for and I do not want to do business with Comenity. I would like this issue resolved. I have many years of excellent credit and make every effort to pay all bills on time. Thank you for your help!
Product: Credit reporting or other personal consumer reports

I am writing to dispute an entry on my credit report that pertains to debts I do not recognize. The entries under : XXXXXX/XX/XXXXXXXX. Opened XX/XX/year> Balance {$8000.00} XXXX XXXX. Opened XX/XX/year> Balance {$2200.00} -XX/XX/XXXX XXXX. XXXX XXXX Balance {$21000.00} appears to be inaccurate and unverifiable. 
Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be investigated and removed if they can not be verified. Specifically, Section 611 ( b ) of the FCRA mandates that if a dispute is made and the information can not be verified, the credit reporting agency must remove the disputed information.
Product: Checking or savings account

Back in and around XXXX XXXX my account was error or frozen of currency that I only received around XXXX amount of it and I tried and fix the problems and I was inform there was a heck of glitch.
Product: Money transfer, virtual currency, or money service

1. I'm not sure when Paypal changed its policy, or if they notified users about the policy change. But I am no longer able to connect my Paypal account with my bank accounts since XX/XX/2020. This directly caused me not able to receive incoming deposits sent by others through Paypal. Paypal should explain why I can no longer use all my previously verified bank accounts. And, why I am not able to verify any new bank accounts either. This sudden disruption without any explanation or warning in advance caused me financial loss since I wasn't able to confirm the pending transfer in the amount of {$9.00}, the incoming transfer eventually was returned to the sender automatically 2. I filed a complaint on XXXX XXXX XXXX   on XX/XX/2020, when filing, XXXX  asked me to provide " contact email " and " account ID associated with the complaint ( PayPal email ) '', I provided both. A month later, XX/XX/2020, Paypal informed me that they can only be contacted from the email address linked to the relevant PayPal account for privacy reasons. Paypal should present the corresponding paragraph from the User Agreement where it says so. Besides, I filed a complaint through XXXX, and it is XXXX  who asked me what email address I want to use as the contact method. Does Paypal 's user agreement also have restraints on what email address a third party or a mediating agency should request from consumers? If so, Paypal should present the related page from the user agreement as well. So far Paypal offered zero answers or solutions to either of my questions.
Product: Debt collection

Nothing, no information about the debt was conveyed to me over the phone call by the alleged collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 7 years 7 months 26 days XXXX XXXX, XXXX : XXXX View account details Account status Age of Account Late payments Closed 4 years 5 months 5 days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 12 years 1 month 16 days 3 FCRA violations : inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Prepaid card

Prepaid visa gift card registration website is inaccessible. Telephone line automated and does not give the option to register only check balance or replace.