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

I am trying to transfer funds from XXXX on line bitcoin and can not transfer monies into my account. Bank blocking transaction. This happened last year as well!
Product: Credit reporting or other personal consumer reports

The reporting of transaction history between myself and XXXX  XXXX XXXX is a direct violation of 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ). I was not provided a chance to opt out of having my information reported, a right protected by the Gramm-Leach-Bliley Act. I must maintain accuracy in my consumer report. This transaction triggers a taxable event which is treated as gross income. It's important to note that income is not reported on the consumer report XXXX XXXX XXXX account # XXXX opened on XX/XX/2XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/2020
Product: Credit reporting or other personal consumer reports

First I dealt over the course of nearly 1 year with Experian + 2 other credit bureaus. The account is not mine! I wrote to the company 5 times and called then over 1200 times and they refuse to cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019, TD BANK USA/TARGET C add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor.
Product: Credit card or prepaid card

this is a account that I never open or apply for.I file a ftc report, they still with no proof said it was mines, so i file a police report too and the credit bureaus and wells fargo/XXXX XXXX still wont remove it from my credit nor forgive the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes to both XXXX, XXXX and Experian in which XXXX and XXXX are reporting duplicate accounts with different open dates, and balances which is significantly damaging my credit history. These accounts were disputed and also copies of the credit report were sent into to them as well. I asked them for proof that the company even responded to them and for proof of what was used to determine this information was verified as accurate and I have yet to get that information. 

Experian continues to report inaccurate, unverifiable information as well.
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 {$400.00}.

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 Laending 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. 

-- COLLECTION ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A COMPLAINT ON TRANSUNION XXXX AND XXXX THESE COMPANIES CONTINUE TO REPORT INACCURATE INFORMATION AFTER BEING PUT ON NOTICE THIS IS NEGLIGENT ON THERE PART AND A VIOLATION 1 5 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) 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. THEY KEEP REPORTING THESE TWO COLLECTION COMPANIES AS OPEN ACCOUNTS AND I NEVER GAVE CONSENT PERSUANT15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

XXXX procedures were paid upon receiving the work. Both instances, the office manager presented me with a bill before the procedure and I signed and agree to pay the same day. The statements sent by the collection show my payments, but it also shows other charges I never agreed on. Also, the dates are incorrect and after paying both bills in person the same day of dental work, never returned to the clinic for any other work.
Product: Debt collection

I am unaware of this debt I debt I didn't have an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certified receipt with my name on it and my signature
Product: Credit card or prepaid card

TRANSUNION IS NOT UPDATING MY CREDIT CARD BALANCE AND HAS REPORTED THAT I HAVE A BALANCE OF {$350.00} AND THAT MY CURRENTLY USE OF 71 % THIS IS INCORRECT MY BALANCE OF THIS CREDIT CARD IS {$18.00} AND MY USE IS UNDER 10 % I HAVE ENCLOSED A SCREENSHOT OF MY ACCOUNT ANDA SCREENSHOT OF WHAT IS REPORTED Fair Credit Reporting Act Violations There are several common violations of the Fair Credit Reporting Act, involving both the thousands of companies reporting information and the three major bureaus taking the information and assigning it to your credit report. 
Some of the common violations include : When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur? 
* Inaccurate statement of balance due. 
TRANSUNION IS IN VIOLATION OF FCRA LAW
Product: Credit card or prepaid card

I have reported to FORTIVA customer service every month. I have been in hospital with XXXX  since XX/XX/XXXX I lost my ability to XXXX XXXX XXXX XXXX. I notified this company OVER AND OVER that i was in hospital wiht XXXX and still being affected by pandemic in more ways than one. Now, I call there today to once again tell them that I am still affected by XXXX  as i contracted XXXX  again and am still with the XXXX XXXX XXXX that originated from XXXX I am XXXX XXXX XXXX XXXX  and to try and keep the life i had XXXX XXXX so when i come home i am able to live my life. HOWEVER, THIS COMPANY FORTIVA CLOSED MY ACCOUNT AND SENT IT TO COLLECTIONS EVEN THOUGH BOTH MYSELF AND THE CFPB NOTIFIED THEM OF COMPLAINT PRIOR TO TODAY THAT I HAVE BEEN AFFECTED BY XXXX their customer service now told me they closed my acct on XX/XX/XXXX EVEN THOUGH THE COVID CARE ACT SAYS THEY CAN NOT PUNISH ME FOR HAVING XXXX AND I HAVE NOTIFIED THEM EVERY MONTH AS REQUIRED BY LAW. THEY ARE BREAKING THE LAW AND HURTING MY CREDIT SCORE WITH THEIR FRAUDULENT BEHAVIOR. I DEMAND MY ACCOUNT RESTORED AND PUT BACK IN GOOD STANDING AS YOU CAN NOT PUNISH ME FOR HTE PANDEMIC. I DEMAND ITS IMMEDIATE RESTORAL OR I WANT CRIMINAL CHARGES FILED AGAINST THIS COMPANY I HAVE MADE SEVERAL COMPLAINTS AND THEY LIE TO YOU TELL YOU NONSENSE AND DO HORRIBLE THINGS TO CONSUMERS THERE ARE COMPLAINTS EVERY WHERE I DEMAND THE RESOLUTION NOW. IF THISIS NOT FIXED EXPRESSLY AS I REQUEST I WILL FOLLOW THRU AND I WILL ALSO GO TO NEWS STATION TO REPORT HOW I AM XXXX TRYING TO XXXX XXXX XXXX XXXX I SENT PROOF TO YOUR COMPANY HOSPITAL DOCUMENTS AND ALL AND YOU EVEN EMAILED ME BACK STATING YOU WERE FIXING THE PROBLEM INSTEAD YOU DID SOMETHING ILLEGAL - RESTORE MY ACCOUNT AND PLACE IT IN GOOD STANDING OR I WILL BE FILING CHARGES IMMEDIATELY AGAINST YOU. I DEMAND CFPB INVESTIGATE FORTIVA AND ITS SUPPORTING BANK IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting 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 are reported 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 XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I HAD CONTACTED CHIME BECAUSE {$2000.00} DOLLARS WAS SENT FROM MY CHIME TO XXXX XXXX  AND I CANT USE XXXX  XXXX  BECAUSE THEY HAD RED FLAGGED ME BECAUSE SOMEONE TRIED USING MY NAME MYLTIPLE TIMES TO CREATE A XXXX  XXXX BUT ANYWAY I HAD CANCELLED MY CHIME DEBIT CARD AND GOT A NEW DEBIT CARD BUT MY OLD CHIME DEBIT CARD STILL WORKS JUST LIKE MY NEW DEBIT CARD WORKS SO HOW IS IT THAT I HAVE 2 DEBIT CHIME CARDS THAT BOTH WORK WHEN THEY WERE SUPPOSE TO CANCEL THE ONE THAT I REPORTED
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Citi has failed to address a critical issue related to the misrepresentation by their customer service representatives. Despite assurances that my promotional interest rate would not be affected by a returned payment, Citi wrongfully terminated the promotional interest rate and has failed to properly address this issue after multiple contacts. Additionally, Citi 's response letters have been automated, and they have ignored essential details, such as the return check fee and the proof I have provided. 

Details : XXXX. **Misrepresentation** : - On XX/XX/XXXX, a Citi chat representative explicitly told me that my promotional APR would not be affected by the returned payment. 
- Despite this, Citi terminated my promotional interest rate ( 0.99 % valid until XX/XX/XXXX ), leading to increased interest charges. 
- I have provided my XX/XX/XXXX statement, which clearly shows the 0.99 % promotional APR as valid. 

2. **Prompt Resolution of Payment Issue*XXXX : - Upon discovering that my auto pay was incorrectly set to pay the full balance, I immediately contacted Citi and my bank. I promptly made the minimum payment to rectify the issue and avoid further complications. However, despite my quick action, Citi continued to mishandle the situation. 

XXXX. **Misinformation on Payment Attempts** : - When I contacted Citi by phone to stop additional payment attempts, I was incorrectly informed that only my bank could cancel the attempts. My credit union clarified that Citi, not the bank, was responsible for initiating the payment attempts, which caused further confusion and unnecessary fees ( including a return check fee ). 

4. **Inadequate and Automated Responses** : - Citis response letters ( dated XX/XX/XXXX and XX/XX/XXXX ) have failed to address the main issue the representative 's misrepresentation and instead have referenced unrelated promotional periods and late fees, while ignoring the return check fee. This appears to be either an automated response or intentional foot-dragging. 
- I have attached multiple chat transcripts and other relevant documents showing that I was promised my promotional rate would not be affected. 

XXXX. **Ongoing Financial Impact** : - Due to Citis actions, I have incurred additional interest charges totaling {$440.00}, which includes : - XX/XX/XXXX : {$77.00} - XX/XX/XXXX : {$73.00} - XX/XX/XXXX : {$73.00} - XX/XX/XXXX : {$80.00} - XX/XX/XXXX : {$67.00} - XX/XX/XXXX : {$73.00} - I am also requesting a review of any interest charges from XX/XX/XXXX that XXXX have been applied improperly. 
- I have spent a significant amount of time and energy trying to resolve this issue, and Citi has not offered any meaningful resolution.
Product: Credit card

I was charged {$950.00} by XXXX for a transaction that I did not make on XX/XX/XXXX. Someone stole all my credit card information including my CVV. They also had my cell phone number and home address. I called Citi a few and they ruled in favor of the merchant saying they have compelling evidence that I made the transaction. I told Citi that my information was stolen and that the tickets were sent to an email that isn't mine. The tickets were sent to email address XXXX which is NOT my email address. The IP address was XXXX XXXX, Illinois. I live in XXXX, Illinois. I had 2 other fraudulent transactions that day and apparently I wasn't on the hook for those 2. The fraudulent transaction I am disputing had this same email address on one of the other fraudulent purchases. Not sure what more I can do. This is why i am contacting you. I did contact the XXXX, Illinois police department and my report number is XXXX. I contacted the FTC yesterday.
Product: Mortgage

See Complaint ID XXXX. The taxes have not been paid as of today. Taxes are now in collection at the court house and have incurred over {$800.00} in penalties and interest. I am now concerned that this is affecting my credit score. Concerned that my property will be put up for sale for tax collections. I have never missed a payment. I have now involved the State Department of Banking. The on-line escrow with Caliber only shows history back to XXXX, 2021. I have requested a detailed escrow statement showing all transactions since they have owned the loan ( XXXX, 2021 ). Have been told that this will be emailed to me within the next couple days. Have spoke with Caliber 11 times, been hung up on once and told that a supervisor would return my call but never did. Spoke with tax authorities more than twice and confirmed that Caliber has never called, left any messages nor attempted to make any payments. I have discovered via the XXXX website that I am not the only one having this problem with Caliber. Also discovered that Caliber 's license has been revoked in the state of California. I have issued a complaint via the XXXX as well. I would refi my loan with another company if I could get the same 2.75 % loan but that is no longer an option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried numerous times to access the Equifax online system to unfreeze my credit so I can apply for a mortgage. Starting on XX/XX/ 2020. Their system said my password was wrong, but did not offer me the " Forgot Password '' option to recover and make a new password. The system locked me out. 

I then called their customer care numbers ( that's joke! ) twice and was asked a number of security questions, which I obviously did not answer correctly according to them ( their answers are not correct! ). They said I would have to fax my information to Equifax to get my credit unfrozen. Both people gave me completely different information about what was needed on the fax. I faxed my information on XXXX XXXX, 2020 requesting immediate unfreezing of my information. 

On XX/XX/XXXX, I am still locked out, when I call their " customer care '' numbers, after going through a series of questions to provide information, the recording tells me if can't identify me and hangs up. I sent another fax today to a different number. Haven't heard from them and my status hasn't changed. 

I can't get to a live person to talk to. At the other credit bureaus, I was able to change my freeze easily. 

Meanwhile, I can't apply for a mortgage, and time is running out.
Product: Credit reporting or other personal consumer reports

I have tried to dispute this information with XXXXXXXX XXXX and have not seen any results. 
I am writing to dispute the accuracy of the information that's on my credit report. According to the Fair Credit Reporting Act Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

According to the Fair Credit Report Act these laws should also be abided by, 15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681i 15 U.S.C. 1681n This account is also reporting two different account under the same account number.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1861 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may take 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 a 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

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax XXXX XXXX  and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account XXXX Has Been removed from my XXXX account and they were reporting on my Equifax Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed. 15 U.S. Code $ 1681c-2 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. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!