23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My bank has been letting XXXX companies take money from my account since about 2011. I have been telling them both via their website and over the phone that they need to stop the transactions from happening that those were n't from me. They have n't done anything till as of late they credited my final deduction on XXXX XXXX. They are now passing me around the bank and doing nothing for me as far as the past due amounts. They pass me around and I have to explain the entire story again to a new person every few days. I can only see 90 days into my bank history so I ca n't get exact dates. The XXXX companies charged me every few months. My bank has yet to do anything really other then pass me around in hopes I 'll get tired like they have done in the past. But enough is enough.
Product: Checking or savings account

On XX/XX/XXXX Unknown person caused Citibank to wire {$500000.00} from my Insured Money Market Account payable to one XXXX XXXX. On same date I made face to face contact with my local Citibank Manager who filed a claim for fraudulent wire transfer. 
Citibank in a letter dated XX/XX/XXXX denied my fraud claim. Instead of blaming the wrongful transfer on their own lack of robust cybersecurity and protection protocols, Citibank asserted that customer must have provided account information or authorization for transaction which turned out to be a scam. 
I have provided an affidavit of Unauthorized Online Wire Transfer to Citibank and a letter stating categorically that 1. i did not provide my banking information to anyone 2 I have no knowledge, participation or benefit in any such scam As of today XX/XX/XXXX Citibank has not refunded my money {$50000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account shows late. This account was never late I have sent countless letter to XXXX, XXXX, and Experian about it and have not heard one thing back. This is extremely urgent and it is holding back my score. Please update account to paid never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint for you to notify that I am not satisfied with the results on my credit report. I have fulfilled my obligation by bringing these inaccuracies to your attention. According to FCRA Section 605b it was the responsibility of the 3 credit bureaus to correct a portion of the data on my report. The following accounts needs to be corrected or removed : XXXX XXXX XXXX Balance Owed : {$560.00} - I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. Thank you for your attention to this matter.XXXX XXXX XXXX Balance Owed : {$330.00} - This account has been reporting inaccurate information regarding my payment history. I have provided documentation that shows I have consistently made payments on time and in full. XXXX XXXX Balance Owed : {$0.00} - I insist on an immediate update of the account in question as your bureau 's reporting conflicts with other credit bureaus. Your inaccurate record keeping is in violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting. Please remove this account as soon as possible. XXXX XXXX XXXX Balance Owed : {$0.00} - Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - Your current reporting is unacceptable. As per the Fair Credit Reporting Act, reporting must be 100 % accurate. If you can not ensure the accuracy of the information you are reporting, you must remove the account immediately. I demand that you take swift action to correct this matter, as any further delay or negligence will not be tolerated. XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX - Can you please provide documentation to substantiate that the account in question is rightfully included on my credit report and that my rights have not been violated? If such documentation can not be provided, I kindly request the prompt removal of this harmful data. 
XXXX XXXX XXXX XXXX XX/XX/XXXX- This inquiry makes absolutely no sense to me, and I don't recall ever making it. Remove it immediately and provide evidence if you think it's mine. Otherwise, delete it now.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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: Checking or savings account

On  XXXX / XXXX /  XXXX  , I reported to  JP Morgan Chase  that a check I did not authorize was deposited into my account ( in the amount of {$4800.00} ). They immediately reversed the check and investigated it the same day (  XXXX / XXXX /  XXXX   ) ; on  XXXX / XXXX /  XXXX   when I went to open my new account at the local branch, I was informed by an associate  XXXX   XXXX   XXXX  that their investigators said the check was indeed fraud as the fonts were differing sizes, etc. Within the same time frame that the fraudulent check was deposited, a transfer was initiated to move the funds from the fraudulent check to a different accoun t ( Chase  told me they could see the transfer came from my grandmother 's online profile, who opened the account for me when I was a minor 10 years ago ). The transfer was initially denied by Chase because the funds from the fraudulent check were not available yet. On  XXXX / XXXX /  XXXX  , Chase allowed the transfer of {$4600.00} to go through - after I made the fraudulent activity claim and the check was already reversed (  XXXX / XXXX /  XXXX   ).  Chase  simply told me my account was compromised and I needed to open a new one ; so I did and went on my way. On  XXXX / XXXX /  XXXX  , Chase withdrew {$4600.00} from the new account I was instructed to open, and transferred it to my old account. This is because when they advised me to close my compromised account, it was left with a negative balance because Chase allowed money that did not exist to be transferred out of it. So they took the {$4600.00} from my new account to make up for it. I had my case escalated to th e Executive Office,  where  XXXX  was going to investigate where the remote online deposit came from ( because it was identity theft ) and why  Chase  allowed those funds to be transferred after they had reversed the fraudulent check. When  XXXX  came back with their decision on the matter, it turns out they did not investigate anything and are saying that even though I reported the fraud and had my identity stolen, I am responsible for any deposits and transfers made on the account. It is astounding that I had my identity stolen, did everything Chase instructed me to do, and they are holding me responsible for it.
Product: Debt collection

Collection Bureau Inc has been attempting to collect a debt of approximately {$630.00}. It was for a charge to replace the carpet in my old apartment. The carpet didn't need to be replaced, as I explained and demonstrated to the original creditor, with photos of the apartment taken upon my exit. I have disputed the debt over the phone and in writing, with photo evidence. CBI has refused to remove the debt despite the evidence that it is fraudulent, and has refused to remove it from my credit report, even if paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$50000.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I entered an agreement with Inland Debt Management to settle XXXX credit card accounts for a fraction of the balance owed. They set up an account for me to make payments into for paying the settled accounts. These payments were lower than minimum payments to the credit card companies which helped my current financial situation. I was told not to communicate with these creditors and to stop making payments to them. I made payments beginning XX/XX/XXXX through XX/XX/XXXX into this established account totaling {$8100.00}. Months have passed, now its XX/XX/XXXX and no communications from Inland DebXXXX so I called to check status of my account. I was told all was good and the more past due accounts were, the better their negotiating power to settle and more $ would accumulate in my account. They also requested all statements and correspondents from creditors which I gathered and sent that day. Later that day a letter came from XXXX offering a settlement at a greatly reduced amount which I immediately sent with a note stating they wanted a response by XX/XX/XXXX. On XX/XX/XXXX I received email acknowledging receipt of settlement letter. I received another letter from XXXX on XX/XX/XXXX stating since the account was not settled it was being forwarded to a law firm. I emailed this to Inland Debt on XX/XX/XXXX. I received a response on XX/XX/XXXX stating a negotiator was working on account and they would contact me. On XX/XX/XXXX I was served a summons as XXXX was suing me, which was forwarded to Inland Debt XX/XX/XXXX. I received response XX/XX/XXXX that negotiator would work to resolve situation. By the end of XXXX not hearing anything I called and asked to speak to a manager and was connected to XXXX XXXX. We had a few conversations and exchanged several emails and the end result was that XXXX was not negotiating and wanted full balance. He suggested we wait a while to revisit. I asked if contact was made with the other creditors to prevent this from happening with them and he told me they would make contact. I lost faith that this company could resolve anything. Since speaking with XXXX early XXXX, XXXX of the creditors they were to handle, contacted me and we settled for XXXX of the balance owed. The XXXX was mid XXXX and the other was this month ( XX/XX/XXXX ). When I asked if they had been contacted by Inland Debt, both stated they had not. Its been 17 months since initial agreement and they have not resolved XXXX account for me. I want to be refunded the payments I have made totaling {$8100.00}.
Product: Debt collection

XX/XX/XXXX To whom it may concern : I would like to file a complaint against XXXX XXXX, sometime ago I owned a XXXX XXXX   credit card, a card which I had acquired through XXXX XXXX. 

While I had the card with XXXX I had no issues, I used the card, paid off the balance more than once, then I believe it was sometime in XXXX I was advised that XXXX XXXX was going to be taking over my credit card, and everything went down from there. 
Since XXXX XXXX took over XXXX XXXX, all of the stores have been shut down, I believe they went bankrupt, they closed down sometime in XXXX. 

At the time of the stores closing, I had, had a small balance owed on my credit card of {$45.00}, I ran into a difficult financial period due to medical reasons, and I couldnt pay off the small balance that was left. 

The reason for my requesting your assistance, is that, XXXX XXXX has run up the credit card account with false information, as well as fraudulent charges that I did not run up on the card. 

XXXX XXXX states, that they have charged off the account, and that they have placed the account into collections, they have placed a balance of {$360.00} into collections, and I did not run up this balance, nor did I owe it. 

XXXX XXXX is fraudulently claiming that I had ran up this {$360.00} balance between XXXX to present, XXXX with XXXX XXXX, and none of that is true. 

Prior to my making the purchase of the {$70.00} on XX/XX/XXXX on the XXXX XXXX card, there was no balance on the account, because I had previously paid off my account in full. 

XXXX XXXX is ruining my credit, by placing false account information onto my credit files, they have themselves listed on my credit files as me owing this {$360.00} that I do not owe to them. 

And they have also passed on this false account information to a Bureaus Investment GroupXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

So on my credit files I have both XXXX XXXX, and the collection company Bureaus Investment Group listed on my credit files, as both of them charging me for this same {$360.00}. 

So I have two live collections for money that I should not be owing to XXXX XXXX, so my credit is being dinged twice by both XXXX XXXX, and Bureaus Investment Group. 

How unfair that is, that they want to charge me for money that they have run up onto the credit card account, and then turn around, and XXXX XXXX charging me on my credit files, ruining my credit, as well as drastically lowering my credit score. 

Then they give this same fraudulent information to a Bureaus Investment Group, and they too without verifying anything with me, they turn around and also ruin my credit rating and, credit score for money that I should not be owing to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has gave false scores to everyone in which has made me and millions of others have to pay higher interest rates and payments which means XXXX didnt exercise there grave responsibility to my consumer report. XXXX was completely unfair, Partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates As i never instructed XXXX in writing to furnish this report and never consented to this report on my credit file by : Account info Account name WAKEFIELD & ASSOCIATES I Also known as WAKEFIELD & ASSOCIATES Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, 230 past due as of XXXX XXXX as well as XXXX XXXX XXXX XXXX  : Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$210.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX XXXX {$210.00} Balance updated XX/XX/XXXX in the first place as well as pursuant to 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So XXXX just assumed that XXXX could report this and XXXX never had my permission and stole my identity to report on my behalf.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX my wife made an online international wire transfer using Truist online small business wire program to transfer {$19000.00}, - to our travel agent in XXXX. She filled in all colums as asked for in program. A few days later our travel agent emailed us that funds still were not in their account so we contacted Truist bank ; they told us to wait aother day or so so we waited another 2 days but still transfer was not received so we called our brnach and met them they used a tracer to trace the funds. So from XX/XX/XXXX until today XX/XX/XXXX funds are not received, funds are gone, Truist does not give us any information about where money went, what happened and is not refunding us or nothing! We contacted several managers, executives within Truist and also talked to their fraude department and their online customer service department ( through messenger ) and nobody gives us any information about anything ; so no idea on what happened, where money is etc etc. 
We also already had to pay penalties to travel agent, airline and made hours of our own time to get answers and our money back. it is very frustrating and we are devastated that a huge bank as Truist can not be trusted and is not able to give us information and return our funds
Product: Debt collection

I haven't provided evidence in accordance with the doctrine, so you may assume, under the doctrine of estoppel by silence, that there is no proof of the purported debt and, as a result, no such liability, if the debt collector has not provided the requested proof of the alleged debt within 30 days. In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1.

Please evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence of your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature bearing my signature bearing my signature.
Product: Student loan

Discover Student Loans, the current servicer of my private student loan recently sent me a letter indicating that during a " recent review, '' they discovered that unpaid interest from a previous deferment period was not added to my principal loan balance. Because of this, my minimum monthly payment was lower than what it should have been. To resolve this, they added the unpaid interest to my principal balance ; however, the exact amount added is not disclosed in the letter. Along with this, they have indicated that my monthly payment will also increase, in which that amount is also not disclosed. They have indicated that the adjustments will be reflected on my monthly statement within the next 60 days, but no explanation on the amount added back in and how they arrived at the dollar figure. The letter also indicated that a credit of {$210.00} has been applied to the interest balance of the loan, which is not known how they arrived at that exact figure either. The letter sent is extremely vague and does not discuss how they arrived at the decision or calculation used to add back in the amount to the principal balance or what the new monthly payment would be. The letter also states that this was done to ensure the loan is paid in full at the end of its repayment period. Additionally, the letter states that any adjustments made will not increase the total cost of the loan ; however, my balance increased along with my monthly payment. Upon logging in to my account, it was discovered that Discover Student Loans added back in over {$2500.00} to my principal balance. To find an answer to my questions, I contacted Discover Student Loans where I was unable to obtain any answers, but they did mention that my payment has increased by approximately {$20.00} per month. Out of the XXXX representatives I have spoken to in the last two days, I have not been given an answer as to how they arrived at the calculation used to determine the exact amount added back to my principal balance and they have failed to follow up with me regarding my concerns. I have now been in repayment for close to five years, with 100 % on-time payments. I feel that I am being mislead and I am having to pay for a mistake that I did not make. As you will see in the recent statement attached, I have paid {$20000.00} through XXXX XX/XX/2015 and of that amount, {$20000.00} has gone to interest alone. It also indicates {$0.00} in late fees to date. 

School : XXXX XXXX ; XXXX, OH
Product: Credit reporting or other personal consumer reports

I have reached out to equifax for the past four months informing them that I could not access my credit report online. Each time I try to access report it says my information is incorrect. After speaking with a rep the XXXX month which was XXXX they help gain access however the report was blank. I am able to access my report for other agencies accept this one. The rep informed me that she can see my information and can send me a report but some of my information apears to be incorrect such as my DOB and etc. She informed me I will need to send in proof off address, identification, utility bill. I have been sending them this information for the past four months and every rep I speak to tells me to send again they have not received it. So, I will be sending again this time certified and requesting a receipt,
Product: Debt collection

I understand when a payment is late it is in default ; however, this company 's collection practices are not only extreme but harassing. They have become such a nuisance that I have had to block them from calling my cell phone ( they can still leave a voicemail ) and request they not call my place of business ( they still call and leave voicemails ).

My payment was due on FridayXX/XX/XXXX. On Monday XX/XX/XXXX I received 3 phone calls, 2 on my cell phone and 1 at my place of business regarding this payment.

On Tuesday XX/XX/XXXX I received 3 phone calls, 2 on my cell phone and 1 at my place of business regarding this payment.

On Wednesday XX/XX/XXXX they contacted my mother and friend, both whom I listed as references, to inquire on my whereabouts - how embarrassing! My payment is not even a week late and they are contacting my references??? Ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as my follow-up to my prior complaint which is dated XX/XX/XXXX. My previous complaint contains disputed items which are needed to be investigated please validate the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.