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

XX/XX/22 : @ XXXX {$1000.00} was withdrawn from this writers checking account, leaving account in the- {$1100.00} ( was already in the XXXX prior to cash withdrawal ). This writer called customer service @ XXXX. Such agent expressed to this writer that I should discuss with my mother ( who is also on the account ) but was unable to give me information on the check that was used to take out this non-authorized transaction. This writer had to go into her own account to find such information & call again to discuss the problem with a new agent @ XXXX. This new agent informed this writer that I need to go to the nearest banking location for further instruction. 

XX/XX/22 ( continued ) : this writer arrives at M & T Bank @ XXXX. Discussing the same issue with bank teller. Bank teller ran through my account to print down the check and match signatures, which clearly do not match. Bank teller proceeds to tell Bank manager ( Individual did not introduce with title so Im assuming ). Bank manager informs this writer that he will launch and investigation & will call me later that day. I did not sign any paperwork such as a report or affidavit. This write leaves bank @ XXXX. This such bank manager called this writer back @ 3:36p to inform this writer that he was able to see that the person who wrote the check must of wrote the wrong account # down on the withdrawal slip. However, this writer informed the bank manager that there are no checks in this writers name so it is very concerning that someone can write down account # s and no extra verification is taken place. This writer was informed that the money of {$1000.00} will be placed back into this writers account Monday XX/XX/22. 


XX/XX/22 : this writers account is still - {$1100.00}. This writers calls the local bank @ XXXX to speak with bank teller. Bank tell takes down all my information and informs me that they will call back soon once discussing with the same bank manager on the status of my situation. No one calls this writer back. This writer calls back again @ XXXX informing a new bank teller the issue. Bank teller informs me that the bank manager is out to eat and will call when he is finished. I received a phone call @ XXXX from bank manager stating that my case is still in review and should be fixed hopelessly Tuesday XX/XX/22. This writer informed bank manager that such account needs to be fixed by Tuesday due to being paid this Thursday XX/XX/22 & having wrongful negative balance will result in this writers paycheck to be taken.
Product: Credit card or prepaid card

TD BANK USA/TARGET C XXXX was opened on XX/XX/2022, with a balance of $ XXXX dont know this account
Product: Debt collection

I have made XXXX attempts with Oliphant Financial to obtain information about the alleged debt and I have not received a response. I used the collectors website contact us button and also the information email : XXXX. I have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called reported only got through too 1 institution.Other institutions was not answering or even giving the options to talk to some one that can help me.But the one I did talk too I explained who I was and they said they had no record of me of my info but it clearly stated there info on My XXXX XXXX. I was locked out of XXXX XXXX for about 1year and my wallet was either stolen or I lost it about a year in a half ago I Informed the agencies or in other words institutions that I had been a victim of fraud and/had been a victim of fraud after finally, Regaining Access too My XXXX XXXX My Credit score had dropped I had all these hard inquiries and fradulent open accounts and I hadn't use/applied for any thing with in the last 2 years besides my apartment that I live in and unfortunately I can't apply for anything right now and I have a XXXX XXXX XXXX XXXX and all these hard inquiries are on my report card on XXXX XXXX is fraud.
Product: Credit card or prepaid card

I had a hardship in my life and my financials werent right. I couldnt pay for basically anything and became dependent on my parents and since they had too much on their plate I couldnt ask them for help for my card.
Product: Payday loan

A {$250.00} payday loan was deposited into a checking account I closed in 2013 from CashNet USA. I might have used this lender in the past but it had to be over 2 years ago. I called the company once my old bank contacted me ( I had no idea this money was deposited until CashNet USA tried withdrawing more than {$250.00} ) and was told I needed to file a police report. I explained my situation emphasizing fact they sent unauthorized money to a very old bank account but they still refused to help. I also offered to send them a copy of my current account statement showing I had absolutely no need for {$250.00}. My old bank ( XXXX XXXX ) is in the process of returning {$250.00} to CashNet USA yet I still received an email stating my account is being turned over to collections. This is a giant scam!
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX XXXX XXXX  XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX Date of Inquiry : XX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX  XXXX XXXX XXXX  XXXX Balance : {$5300.00} XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX : XXXX  Date of Inquiry : 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 card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

DISCOVER BANK XXXXXXXX, XXXX
Product: Money transfer, virtual currency, or money service

Hello, Ive gotten a call at least twice a year over the last 2 years from a fraudulent caller. Its a self claim debt collector calling about a bad check  they says I defaulted on with the company XXXX  XXXX. I used the services of XXXX  XXXX back  in XXXX??, when I lived in metro XXXX, OH. Ive contacted XXXX XXXX Corporate Collection office about this matter numerous times, and their words to me You dont have an outstanding debt with XXXX XXXX and are not in the system. I was also told by XXXX  XXXX If the number calling dont match XXXX XXXX XXXX XX/XX/XXXX phone # its a scam. The last two numbers that called me was XXXX & XXXX for the scammer. When I ask for a persons, company name and business address they wouldnt give, just continues to pressure me for information. Ive asked them not to call my phone again and hangs up, but they stops for 5 or 6 months and calls back with a different phone number with a more aggressive attempt. I talked with 4 different departments with XXXX XXXX today XX/XX/2021 to get some type of information to have for my records, but they have none. Its been over 20 years since Ive done business with XXXX XXXX and have lived in Georgia for as many years. The account is too old and I dont have or owe any outstanding debts to XXXX  XXXX. Please help me with this matter, this fraudulent caller is very annoying and harassing. 

Thank You! 
XXXX XXXX XXXX
Product: Credit card or prepaid card

I had to respond to the unbelievable answer i just received from capital one dated today XXXX i clearly am not valued there and as a result will NOT be using my accounts. 

Number one. i wrote in about a dispute with XXXX rent a car. As usual the bank did not process it correctly Specifically i complained to XXXX and then to the bank the car i rented in XXXX was filthy and did not start. They rejected dispute because XXXX sent a copy of the contract which was not the crux of my dispute the QUALITY was and that remains undisputed that i am correct by the company as such i demand a refund. 
Number two i wrote in and was responded to today that I WAS NEVER NOTICED CYCLE date changed. as such i charged a big amount i would not have HAD I BEEN NOTICED. saying it was on my statement does NOT address i did not know. i will pay no interest and i wont usemy cards until both issues are resolved appropriately i know my rights. I have always paid in full and been responsible i wont be treated this way. 
So dont write back saying you answered me XXXX and that all is closed HANDLE both right or i go to CEO period. Aint paying interest did not know cycle changed and your answer does not address that. i wish to re dispute the XXXX dollars with the rationale nothing you presented contradicts the poor quality of the car. PERIOD. if you waont help me i wont use my cards i go further P E R I OD.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two collection accounts are reporting as 'Open '. The accounts should be reported as closed as of the last payment date. 

BOTH : National Credit Adjusters XXXX XXXX ( 12* ) : Last pay date XX/XX/XXXX, account balance {$0.00} XXXX  ( XXXX ) : Last pay date XX/XX/XXXX, account balance {$0.00} I have disputed this incorrect reporting with XXXX  on two different occasions : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX Both disputes were closed as 'being reported correctly '.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is supported by 15 USC 6801, which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and they definitely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

IM trying to set up an invoice system with XXXX XXXX and I need them to have access to accept payments and then transfer those payments to my PNC account. Can you please authorize XXXX XXXX to doing those transfers
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 checked my credit because Im in the market to buy a house and I noticed all these inquiries that I didn't authorize. Please have all companies listed below show me my signature on any application or some sort of proof that I applied for anything or remove their inquiry 1 ) consumer CO 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX-XXXX  5.all XXXX  inquiries 6. XXXX XXXX XXXX 7.XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX   10.XXXX  11. XXXX XXXX XXXX XXXX 12 XXXX XXXX XXXX 13. XXXX/XXXX   XXXX 14. XXXX  XXXX 15.XXXX 16. XXXX XXXX XXXX XXXX XXXX 18. XXXX XXXX XXXX 19. XXXX XXXX XXXX XXXX 20.XXXX XXXX 21. XXXX XXXX XXXX 22 XXXX XXXX 23. all XXXX XXXX inquiries 24. XXXX 25. XXXX XXXX/XXXX 26. XXXX/XXXX 27. XXXX   XXXX  XXXX 28. XXXX XXXX 29. XXXX  XXXX 30.XXXX XXXX XXXX XXXX   31. XXXX XXXX/XXXX 32. XXXX  XXXX  33. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report sand noticed unauthorized use of my credit report that should not be reporting on my credit profile
Product: Checking or savings account

; Hi my name is XXXX XXXX, and my citi checking account ending in in # XXXX was closed down XXXX XXXX for no reason. I called the customer service at least a handful of times with no success of getting a reason. I have now visited the branch over four times now and I have still not gotten any response into why my account was closed. I have also talked to the bank manager XXXX XXXX at the branch located XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. After talking to her I still do not know why my account was closed. I have my hard earned money in my account and my tax returns I received just a couple of days prior locked in my account with no real answers of why and when i will get my money back from citi bank and this branch. They are stating that my tax returns are fraudulent as if they are tax experts or accoutants but with no proof that i did anything wrong besides assumptions. On the other hand I have came into the branch with my identifications, my irs proof showing the amount that I was suppose to receive and the citi # XXXX it was suppose to deposit in, Everything on my end matches up. My name, my ssn, my dob, my refund amount and proof of it from the irs websites and my acct. lastly the irs before sending out the refunds they review it so if there was a problem with it, they would not have sent it out to me. I just want to be treated as an equal, when I have been in the branch, I see how im treated and looked at compared to the other people in there that do not have the same pigment in their skins as I do. They get there money with a smile from the clerks, but I ask for mine and it a problem for a XXXX XXXX  to have money, it must be a scam, it must be fraudulent. I have been disrespected and most importantly not getting any help on how I will be getting my money back.
Product: Checking or savings account

Pursuant to the attached XX/XX/XXXX email bonus offer, I opened a Citi savings account ending in XXXX on XX/XX/XXXX, funded it with a {$100000.00} deposit on XX/XX/XXXX, and maintained that deposit for more than 60 consecutive days, as verified by the attached transaction history for the account. Since I had a Citibank checking account and a Citi XXXX credit card prior to opening the savings account, I met all offer requirements and am entitled to a {$200.00} bonus and an additional {$250.00} special cash bonus. When I did not receive the bonuses, I complained in a online chat with Citibank on XX/XX/XXXX. The 30 minute chat resulted in the submission of a promotion dispute. In the attached XX/XX/XXXX reply the bank stated that it could not find the offer. I note that the Citi 's denial in this instance is identical to its responses to other similar offers in the past and demonstrates its shabby treatment of its loyal customers. Please assist me in obtaining my bonuses totaling {$450.00}. Thanks.
Product: Debt collection

I have sent this company letters after letters dating ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX in the amount of {$580.00}. I have called Portfolio Recovery spoke to XXXX XXXX in XXXX XXXX to cease and dismiss this due to the arbitration clause from XXXX. Also continued to ask XXXX XXXX for the Purchase Agreement. They have continued to pass this account around to several different companies giving out my personal information WITHOUT MY CONSENT or SIGNATURE. They continue to send me the same thing over and over and NOT WHAT I ASKED FOR. Between phone calls and written letters they have yet to provide me any information. I need this to stop and tell them to send me exactly what I have been asking for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Subject : Dispute of Violation of FCRA 1681o ( Willful Noncompliance ) Dear Sir/Madam, I am writing to formally dispute the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, regarding your failure to properly address my dispute within the required time frame and in compliance with the provisions of the FCRA.

The details of the disputed item ( s ) are as follows : Collections Late payments Bankruptcy I submitted a dispute and despite the 30-day investigation period required under FCRA, I have not received a resolution or response, violating my rights under FCRA Section 1681o. '' ] Under FCRA Section 1681o, I am entitled to seek redress if your failure to comply with the FCRA was willful, causing me harm or injury. I am requesting that you investigate the dispute once again in full compliance with the FCRA, or I may consider pursuing further legal action for any damages I may have incurred as a result of your failure to properly investigate Thank you for your attention to this matter. I expect a prompt resolution in line with the law. 

Sincerely, XXXX XXXX
Product: Debt collection

I continued to receive collection notice from NES National Enterprise Systems and XXXX regarding owe XXXX Bank and XXXX XXXX XXXX XXXX XXXX. The XXXX Bank Account was close with me not oweing them any money ( NES National Enterprise XXXX and XXXX ( XXXX XXXX XXXX XXXX XXXX I never hear of them nor be to their Office. Please investigate these agency and ensure they are legal company and running their business according to United States Federal Regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to do a proper investigation regarding this fraudulent account that appears on my credit report. I have made TransUnion aware of this alleged medical debt that does not belong to me numberous times. They continue to update my credit report stating that this account meets " FCRA requirements '' in an attempt to pretend like they are doing an investigation when all they are doing is updating the date and relying on the collection agencies false reporting. They are solely relying on the original source ( XXXX XXXX XXXX ) as verification that this account belongs to me. The address attached to this account is an address that does not belong to me ( see Attachments ) On XX/XX/2020 I filed a lawsuit against XXXX XXXX and XXXX XXXX XXXX. However Transunion has a duty to conduct a real investigation outside of the original source. As a result of TransUnions Failure to conduct a real investigation, They have defamed my character by reporting an account that is not mine.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to XXXX, Equifax and XXXX  post marked XX/XX/2021 and received return receipt on XX/XX/2021 regarding the validity of 4 accounts on my credit report XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have not received a response from any of the credit reporting agencies, these items should be removed immediately Best regards,
Product: Debt collection

LVNV Funding who has their debt collection conducted by Resurgent Correspondence Has illegally re-aged the debt on this account. This account was first delinquent in 2009 and is due to come off credit report this year as it is past the 7 year mark.