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

Hi, My name is XXXX XXXX and I've recently opened an account with Citi Bank. Upon opening the account and transferring funds from my self employment business banking that is under my name as well as 2 paychecks that were deposited shortly afterwards. I have not been able to use my account at all. They keep saying its for verification process but I have continuously provided all they requested yet still get the same results. There famous words We can't identify you so we cant help you. This has been going on for over 2 month now if not longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX & XXXX Account Number : XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 

The inquiry was not authorized XXXX TOY Date of inquiry : XX/XX/2022 Delete this account.
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$71.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification on the following five accounts, and they did, they stated the accounts are accurate, and I did a thorough research myself and found improper inaccuracies with these five accounts even after they did the thorough research. 

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEM ( S ) TO BE ERRORS, OR ARE DEFICIENT OF PROOF OF NOT BEING UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR ELSE WISE NOT COMPLAINT, TO INCLUDE TO METRO 2 REPORTING STANDARDS. 

Here as follows are items in potential error requiring immediate annulment of the retainment and or reporting : Account Name : XXXX XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXXXXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Please remove this inaccurate, untrue, incomplete, and non compliant information from my credit report immediately. 

This is a violation of the FCRA and is also in violation of metro 2 compliance reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights.

15 U.S.C 1681 section 601 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: Credit reporting or other personal consumer reports

JPMCB CARD SERVICES XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX This company had a hard inquiry on my report for XX/XX/XXXX and again for XX/XX/XXXX. They arent mine. I want these both delete because I did not authorize this company to run my credit. This is fraudulent.
Product: Credit reporting or other personal consumer reports

I am disputing inaccuracies in the personal information on my credit report. My current employer is XXXXXXXX XXXX XXXXXXXX, yet my report reflects outdated or inaccurate employer information. My correct address is XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, but my report may contain incorrect or outdated addresses. These errors misrepresent my identity and may affect my creditworthiness and any perusable purpose for which my report is used, including employment, insurance, and lending decisions. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate information and request a reasonable reinvestigation. 15 U.S.C. 1681e ( b ) requires credit reporting agencies to ensure maximum possible accuracy. If these inaccuracies persist, it constitutes willful non-compliance under 15 U.S.C. 1681n, entitling me to statutory damages of up to {$1000.00} per violation, plus attorneys fees and punitive damages. I demand the immediate correction or removal of all incorrect employer records and addresses. Please provide a written response detailing the outcome of this dispute, including any documents used for verification. If the errors remain, I expect an explanation for their continued reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity was stolen and somebody opened fraudulent accounts under name when I received a collection notice in the mail. I immediately contacted the credit bureaus and filed police reports. The XXXX fraudulent accounts are charge-off credit card account ( XXXX ) from XXXXXXXX XXXX XXXX in the amount of {$3000.00} and XXXX XXXX account in collection ( XXXX ) in the amount of {$2700.00}. Identity thief ruined my credit and destroyed my family 's future. I've asked credit bureaus to remove the fraudulent items off my credit reports, but they refused to do so. I don't know what else I can do to get the justice I deserve as one of the millions of American who fall victim to identity theft every year.
Product: Student loan

I was attempting to attend XXXX in 2007. I was told I qualified for financial assistance. I was not told that it was student loans. There were many papers I was told to sign but I did n't fill any of it out, just told that they were all for administration. Now I have received paperwork for a private loan I did n't know I had that XXXX had taken out in my name for classes that were not attended. I had consolidated all of the loans that I was aware I had from Sallie Mae into the XXXX program. Now I am being sued for a loan I had no idea existed. I called the company holding the debt now and I have n't been able to find out when the loan went into default. I only have the original application that was n't filled out by me. Now this lawyer 's office wants me to come up with a pay off amount of over {$4500.00} in order to stop the process of them suing me. I do n't have that kind of money for a loan I did n't know existed.
Product: Credit reporting

XXXX XXXX - XXXX XXXX {$790.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts from my credit report.
Product: Credit reporting

It shows on my credit that I have a XXXX account which I have never owned a XXXX account let alone know how to use a XXXX. This should never have been on my credit.
Product: Debt collection

I received a bill on XX/XX/XXXX from Transworld Systems Inc. for {$200.00}. This bill had two line items. One item for {$150.00} and another item for {$46.00}. I called to Transworld Systems Inc on XX/XX/XXXX to pay my bill. I gave them my payment information and they processed the payment. The phone operator confirmed that I paid everything showing in her system and that I had no outstanding payments. 

A few months later, I received an alert from my bank that my credit score had changed due to an outstanding debt that I owed. My credit score showed that I owed {$46.00} to Transworld Systems Inc.I called Transworld back and they informed me that I only paid the {$150.00} and still owed {$46.00} ( The phone operator on XX/XX/XXXX told me that I had paid everything that I owed ). I paid the {$46.00} during the phone call on XX/XX/XXXX. 

My credit score is now being affected because it shows that I had an outstanding debt payment for three months, even though I thought I had paid the entire debt in full on time.
Product: Credit reporting or other personal consumer reports

To whom it may concern I am writing to dispute inaccurate and unauthorized information in my ChexSystems consumer report. I am concerned that this unauthorized information is causing harm to my credit score and overall financial well-being.

I have reviewed my ChexSystems consumer report and have identified the following inaccurate and unauthorized information : [ ALL Information listed or being reported without my authority that is currently on my consumer report ] I have not authorized ChexSystems to collect or report any information about me. I believe that the information being reported is either incorrect or has been reported in error.

I request that ChexSystems immediately investigate this matter and remove all inaccurate and unauthorized information from my consumer report. I also request that ChexSystems provide me with a copy of the corrected report within a reasonable time frame.

I am filing this dispute under the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that protects consumers ' rights when it comes to their credit information. Under the FCRA, I have the right to dispute inaccurate information in my consumer report and to have ChexSystems investigate my dispute.

I believe that ChexSystems has violated my rights under the FCRA by reporting inaccurate and unauthorized information in my consumer report. I am requesting that ChexSystems take the following steps to remedy this situation : 1. Immediately investigate my dispute and remove all inaccurate and unauthorized information from my consumer report.

2. Provide me with a copy of the corrected report within a reasonable time frame.

3. Cease reporting inaccurate and unauthorized information in my consumer report in the future. 
I am also considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and with my local district court, XXXX XXXX XXXX XXXX XXXX. I believe that ChexSystems ' actions have caused me harm and injury, and I will be seeking compensation for my damages. 
I urge you to take my dispute seriously and to take immediate action to correct the inaccurate information in my consumer report. I look forward to your prompt response and resolution to this matter. 

Respectfully Submitted XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a brokerage account with Robinhood, and used it to make small investments in the stock market as well as purchase cryptocurrency. In XXXX of last year, my crytpo holdings in Robinhood were sold and my account was deactivated, with no warning or consent. Inquiries with their customer service to understand why this happened went by with no response. Just prior to this happening, I'd transferred {$10000.00} from my verified checking account into Robinhood in preparation for stock purchase, but after my account was deactivated, I was not ( and am still not ) able to access my funds. I completed Robinhood 's third-party account verification process twice, and I still have a deactivated account and no access to my funds. Multiple emails and calls to their customer service have left me with no explanation, timeline for verification completion, or the state of my requests. I can no longer request a call from Robinhood customer service via the app, because my account is deactivated, so I must resort to email communications- most of which go unanswered. I'm therefore lodging this complaint in order to access and withdraw my funds from my Robinhood account.
Product: Debt collection

On or about XX/XX/XXXX, I requested that the third party debt collector supply the needed documents to validate this debt of {$530.00} for rental of a storage unit. I received a Notice of Lien Sale dated XX/XX/XXXX and on this document there was a write sales date of XX/XX/XXXX. I did not receive the actual notice of sales with the amount that the storage unit was sold for on XX/XX/XXXX. 
The third part debt collector also supply a detail list of charges totaling {$530.00}, this issue with this list of charges is if the storage unit was sold on XX/XX/XXXX why was I charge for storage for XX/XX/XXXX and XX/XX/XXXX. I was change for two month worth of rent for the storage unit after the stated sale date of XX/XX/XXXX. 
The other issue with this list of charges is that the actual amount of the sale is not mention, this amount should have been deducted from the total owed, per Pennsylvania law.
Product: Credit reporting or other personal consumer reports

I viewed a copy of my consumer report and noticed unauthorized accounts and unauthorized inquiries I didn't authorize. MY SOCIAL SECURITY HAS BEEN COMPROMISED. I FILED A IDENTITY THEFT REPORT # DELETE UNAUTHORIZE AND FRAUDULENT ACCOUNTS AS MY CREDIT IS VITAL TO MY LIVELIHOOD- THIS IS MAKING ME VERY SICK AND STRESS.I HAVE TO TAKE MEDICINE. ALL OF THESE ARE UNAUTHORIZE SEE ATTACHED OTHER ACCOUNTS XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXAccount info Account number XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXX Inquiry date XX/XX/year> XXXX Inquiry date XXXX XXXX, XXXX XXXXXXXX Inquiry date XX/XX/year> XXXXXXXX XXXX Inquiry date XX/XX/year> XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/year> XXXX Inquiry date XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX Inquiry date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/year> XXXX XXXX  Inquiry date XX/XX/year> XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX
Product: Debt collection

I attended University of XXXX in 2023. Upon finding out that they are not XXXX certified, I decided to leave the school. Without this accreditation, my education here would be honestly pointless. I had heard from a classmate that she would be unable to complete any internships in the state she was living because of the school not having this accreditation. Therefore, I left and enrolled in a school that is accredited. Before realizing this, I had been mislead by the school entirely. I had utilized XXXX to cover the cost of my courses. I am confused as to why I would owe anything to a debt collector.
Product: Money transfer, virtual currency, or money service

Many payments have been taken from me I asked for them to make the person who took the payments return them and the person who accepted fraudulent payments to pay me back but there is no way they are going to return my monthly payment of {$420.00} for ten months and a one time {$1200.00} payment please show me some respect
Product: Credit card or prepaid card

XX/XX/XXXX at XXXX submitted a FICO credit score application to check on credit through the Citibank website. Received score and was pleasantly surprised to see the results. The intentions were to open a new credit card to start restoring credit. Citibank website suggested the Citi Preferred Thank You card along with the AAdvantage card applications. After reviewing the choices I decided to apply for the Preferred Thank You card considering it was suggested after my credit report was ran. Surprisingly my application was declined after submission. I feel that with the running of my credit report, knowing the results and offering a credit card that had high chances of it being declined was very misleading and it will leave an inquiry I would rather not have had I known the chances.
Product: Checking or savings account

My complaint involves not receiving a referral bonus using the CashApp service, however, after encountering the referral bonus not being credited as promised to my CashApp account, Ive come to believe the whole referral bonus offer from CashApp is a scam designed to dupe customers into inviting new people to join CashApp and use its service. I chose to refer my husband when he needed to send some money to a friend, and we figured we may as well get the {$15.00} referral bonus for him signing up. ( ( his info : XXXX XXXX XXXX ) ) I will include screenshots of their instructions for claiming the bonus, which I followed, and which he also followed. The very second that he claimed the referral and the bonus should have been paid we both started running into issues using the app on our respective phones. The app forced my husband into creating a second CashApp account after he sent the required payment for receiving his {$5.00} portion of the referral bonus. I later discovered this was likely on purpose so that this could be the stated reason for them to refuse to pay the bonus. 
I have screenshots of his interaction with their chat support, plus screenshots from the actions necessary to qualify for the referral bonus. At this point I am less concerned about receiving the {$15.00} bonus for me and {$5.00} bonus promised to him and am more concerned with how they are conducting their business and purposefully tricking people into believing they can receive any bonus for referring new customers. It is a fraudulent offer, at best, in my opinion. 
I can certainly provide more detailed information if necessary, please let me know if I can provide anything else you may need. Thank you for your time and assistance. ( The screenshots provided are from my husbands account as I have been locked out of my own CashApp account since complaining. )
Product: Credit reporting

Last Saturday I applied an " Apartment Rental '' application form to move into a nicer Apartment Complex. I easily met the income requirements. Yet when the apartment " Leasing Consultant '' ran my " Equifax '' credit report it came back that I had a home " Foreclosure '' of some type either in XX/XX/XXXX or in XX/XX/XXXX. This is not mine. I am a victim of " Identity Theft. '' I then called " Equifax '' 2 days later and was told that they were n't going to " Delete it '' and that they also was n't going to mail me my FREE copy of my " Equifax '' credit report which by Federal law, I 'm entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attachment I have Disputed the inaccurate information with XXXX, XXXX, EXPERIAN and they have failed to uphold their duty. 
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.

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$0.00}, {$29.00}. 
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 {$5200.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29.00} -This is not my account.