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

On XX/XX/2023 I used the bank atm to deposit {$8800.00} onto my bank account and the atm took my money and did not place the money in my account. The branch confirmed the money was in the atm but they have not deposited or returned my money to me. The bank is Citi Bank.I 've called several times to the customer service and the branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX credit card account # XXXX and XXXX XXXX auto finance XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

DEATRICK & SPIES, P.S.C. HAS SENT ME A LETTER VIA POSTAL MAIL THAT IMPERSONATES THE COMMONWEALTH OF KENTUCKY COURT OF JUSTICE ALLEGEDLY ON BEHALF OF XXXX XXXX, XXXX INFORMING ME OF GARNISHED WAGES FOR A DEBT THAT I DO NOT ACKNOWLEDGE DATED BACK TO XXXX, XXXX, XXXX, UPON REACHING OUT TO XXXX XXXX, XXXX I WAS INFORMED THAT I DO NOT NOW NOR HAVE I EVER OWED A DEBT TO THEM. THE LETTER I RECEIVED ON XX/XX/XXXXXXXX  VIA POSTAL MAIL FROM DEATRICK & SPIES, P.S.C. INDICATES THAT THAT IT IS AN OFFICIAL LEGAL NOTICE, THE LETTER PROVIDES A CASE NUMBER ( XXXX ) AND DIRECTS ME TO WWW.COURTS.KY.GOV, HOWEVER THERE IS NO SUCH RECORD OF THIS CASE NUMBER, NOR HAVE I BEEN LEGALLY SERVED ANY NOTICE OF LEGAL ACTION BEING TAKEN AGAINST ME. I DO NOT ACKNOWLEDGE THE DEBT DEATRICK & SPIES, P.S.C. IS ATTEMPTING TO GARNISH FROM MY WAGES. I DO NOT KNOW HOW THEY OBTAINED MY INFORMATION. DEATRICK & SPIES, P.S.C. HAS BEEN SENDING FRAUDULENT LETTERS VIS POSTAL MAIL IN AN ATTEMPT TO DEFRAUD ME OUT OF MONEY.
Product: Credit reporting

I am a victim of identity theft and someone stole and used my personal information to open a fraudulent and unauthorized XXXX XXXX XXXX checking and savings account : XXXX, that do n't belong to me. I have never had or opened a XXXX XXXX XXXX checking or savings account. I have attached a police report and other documents to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity fraud threw my identity being stolen it is reported by the irs i have a code i use to file taxes because of the identity fraud also i had my info breached threw equifax, & my info is on the black web, i have multiple UNAUTHERIZED accounts & inquiries must be deleted.
Product: Debt collection

Upon examining my credit report, I identified accounts that I suspect are unauthorized. I request these be reviewed and removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrect last payment date for XXXX it states the last payment was XXXX XXXX and for Equifax it states the last payment was XXXX XXXX please verify and delete all inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of XXXX, i filed a dispute with XXXX and TransUnion credit bureaus about the unverified account : XXXX XXXX  account # XXXX. In those two months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today XX/XX/2020. Thank you
Product: Payday loan, title loan, personal loan, or advance loan

Account was sold to another agency who saying I owe this debt but the docs they sent dont have a signature on them on any paperwork
Product: Debt collection

I have spoke to several different representatives at Jefferson Captial they claimed they verified this debt but failed to send proof. Mind you this happen in XXXX the alleged original creditor XXXX. I spoke with XXXX n XXXX my name didnt match, my social security number or my date of birth or drivers license number didnt match. All of which is required to obtain service with XXXX Mind you I have had XXXX since XXXX never have I had XXXX Jefferson captial in XXXX removed the fraudulent collection for XXXX. XX/XX/XXXX -XXXX XXXX Jefferson Captial put this on my report again. I spoke with several representatives that told me the social dob did not match and not to worry it would be removed. Almost XXXX and its still showing called them today XX/XX/XXXX spoke with a XXXX he again said he doesnt understand because the information doesnt match. I have sent many certificated letter every XXXX days with my personal information on there only for this to still be reporting fraudulent. My next step will be to file suit towards Jefferson Capital. All they have told me was a common name. I also have spoke with XXXX who took over XXXX, they said they have all records from previous and current customers of XXXX and they did NOT have any of my information they had several with same name and last but not my social security number, dob, or drivers license number. Which they said all would be required to run a credit check to obtain services. My credit has never been ran by neither of the 3 credit bureaus. I have checked in XXXX and currently XXXX. I need to see the purchase agreement, proof of my social security number dob, signature and the statue of limitations of this debit and the purchase agreement. And if they claimed its verified I need to see proof that verified this because I have never had XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 at XXXX XXXX, an agreement was made with XXXX XXXX, a compliance manager for XXXX XXXX XXXX XXXX, that states upon receiving the payoff check for the amount of {$6100.00} for the vehicle loan, the account status will be reported as ( paid as agreed ; closed ) to the credit bureaus. This conversation was recorded by XXXX XXXX XXXX XXXX and I. The payoff check was received by XXXX XXXX on XX/XX/2023 at XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, I had an item listed for sale on XXXX XXXX when I received a message from a lady that she wanted to buy the item. She told me that she was out of town and her daughter could meet me to pick up the item. I told her thats fine but she would have to pay me first or pay me when I met up with her daughter. The amount she owed me for the item was {$130.00}. She agreed and recommended using Zelle. I agreed and the lady asked for my information to pay me. Once I gave it to her I received a email that looked like it was from Zelle saying I had to upgrade my account because the amount of money was over XXXX . Right away the lady sent me a message as well and said she got a email saying the same thing and that she could not send the money before I upgraded my account. She said if I upgraded she would pay for it. I received another email from XXXX XXXX  XXXX saying I had to pay government fees as well. I followed The links on the email to pay. The first payment I made was for XXXX for the upgrade fee. the second amount I paid was XXXX for the government taxes. The government taxes email said I had to pay XXXX but I only had XXXX left so that is all I paid. Before I sent these payments I did ask her if we could use another form of payment because I didnt have the money to pay. The lady said that she would pay me back for them but I would have to pay them first. I did notice after the ladys name was different from XXXX to Zelle but the emails from zelle and the bank appeared very real. Once my mother reviewed my bank account we realized this was fraud and I was scammed so I blocked my zelle account on XXXX XXXX  and changed my passwords. I contacted XXXX XXXX  and Zelle on XX/XX/XXXX and reported this fraud scam and filled a dispute. I received a letter from XXXX XXXX  stating the dispute was denied and I would not receive my money back. I called them on XX/XX/XXXX to find out why and they said the dispute was denied because I authorized the payment. I told them it was a scam and fraud and that I received emails from Zelle and the bank that looked real prior to submitting the money. They said it did not matter since I hit the send button. I told them I had kept all the emails and they did not even ask to review them prior to making a decision. They were not able to tell me what their investigation consisted of and if they found the people who competed this scam/fraud. They were not able to give me that information and kept transferring me to the Zelle fraud department and no one ever came to the phone. It would put me on hold and just hang up after several attempts. I asked them why this was not covered under regulation e and they said I authorized the payment and it didnt matter if I was scammed into it. They said I was at a loss Of my {$320.00} and {$70.00} dollars that I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error. My request to block is not being made on the basis of material misrepresentation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX in XXXX of XXXX after first being made aware of a fraudulent contract under my name with the company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The dealership informed us that we would not be held liable in any way. A month later my car insurance canceled my policy for not having full coverage insurance on this vehicle. This matter has caused my family so much distress, from having to deal with the police to calling and visiting the dealership for months. I have never owned a vehicle or any property connected to this company! I was told that the company contacted the dealership and entered a lawsuit with them because I did not purchase a vehicle nor did I knowingly enter into any contract with XXXX. None of my proper information was ever verified by XXXX, the company was unsure how I even had a file with them. After contacting XXXX I stopped receiving bills but was unaware that this account was still on my consumer report. I do not or have not owned any material connected to this company in any way. I do not certify the validity of this debt, I have not provided written instruction or otherwise for this debt to be reported to my consumer file. This account appears on my profile as the result of fraud and identity theft.
Product: Debt collection

THE COMPANY, AD ASTRA RECOVERY SERVICE, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS ACTUALLY MY PROPERTY. MY NAME IS XXXX XXXX and I am the executrix of my estate under the name XXXX XXXX. I have never signed a CONTRACT or PROMISSORY NOTE with this company. Whereas I believe them to be a debt buyer, AD ASTRA RECOVERY SERVICE must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, ON THE PUBLIC AND PRIVATE SIDE that pertains to account XXXX. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.
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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; DEPARTMENT OF EDUCATION Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; BANK XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; RESIDENT VERIFY Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX  CO ) XXXX Balance : {$220.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove this off my report its effecting my score
Product: Debt collection

I have retained legal counsel and will be filing XXXX. Please cease and desist and do not credit report.
Product: Debt collection

Consumer portfolio services calls repeatedly thoughout the day within 10 minutes of the previous call. I understand a debt is owed but I feel the number of calls per day is considered harassment
Product: Checking or savings account

Go back in 2015 I was homeless I had nowhere to go and I had an account with Wells Fargo and they claimed that I use my account when my wallet and my car was stolen so I had no access to my account and when I tried to ask my account they told my account was being closed because of project activity that I did not do
Product: Credit reporting

Both XXXX and Transunion are reporting incorrect information to financial institutions.They are reporting adverse factors adversely affected my credit scores that include serious deliquency and Transunion also includes time since delinquency is too recent or unknown. This has been reported to 3 different financial institutions this year. After each time I have tried contact both agencies, but only able to talk to Transunion. Every time I am told there are no delinquencies on my credit report. They deny supplying the adverse factors. On XX/XX/2016 I wrote a letter to both agency and included a copy of the adverse factors I received from the first two institutions. Nothing happened. I got no reply and it was again reported this month to the third institution. 
To top things off XXXX offered free creditor monitoring which I joined. The score was based on Transunion data and the key factors provided. 1. Serious delinquency - XXXX Scores consider the presence of serious delinquency ( very late payment ) on person 's credit report as a powerful predictor of future payment risk. 
The problem is I have never had delinquencies plus none shows up on my credit report, so even lawyers who help repair credit can not help since it does not appear on my credit report. I am at a loss at how to get these two agencies to stop from sharing false information as it is hurting my credit. We wanted to refinance our mortgage, but this 'Serious Delinquency ' has really hurt our chances. 
I am praying that this complaint will help to get them to correct this problem. XXXX is the only agency who shows my correct credit record ... never late. Because of attempts to correct this issue we now have had a lot of inquiries as it is the only way to see these adverse factors. 
please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX RE via XXXX XXXX Inquiry Type : Individual Requested on : XX/XX/XXXX Permissible Purpose : CREDIT TRANSACTION I disputed this transaction with the Credit Bureau and the Creditor, I never authorized this inquiry. 

XXXX XXXX XXXX  / XXXX # XXXX Date Opened : XX/XX/XXXX On the following dates : XX/XX/XXXX 60 days late, XX/XX/XXXX 90 days late, XX/XX/XXXX 120 days late, XX/XX/XXXX 120 days late, XX/XX/XXXX 120 days late I disputed these late payments with the Credit Bureau and the Creditor. The account was never paid late. 

XXXX XXXX XXXX / XXXX # XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX 90 days late, XX/XX/XXXX 120 days late As reported to the credit bureau XXXX XX/XX/XXXX payment to this same creditor reflects CURRENT although beginning 30 days later XX/XX/XXXX it reflects 90 days late. 
I disputed these late payments with the Credit Bureau and the Creditor. The account was never paid late.
Product: Checking or savings account

I filled out an online application for a new checking account after receiving numerous direct mail advertisements from Citibank. On XX/XX/XXXX I completed application # XXXX. The application, in addition to personal questions, requested information on how I would fund the new checking account. I gave another checking account with the routing number as well as the requested password to my XXXX XXXX XXXX checking account as it requested. I have now called the XXXX phone number I was given after completing the application 3 times. All I am told is that a letter was mailed on XX/XX/2019. I have requested a manager on my second call and the call was disconnected after a 10 minute hold, and then I called back a few days later and someone told me a manager would call me back within XXXX hours. This never happened either. Today I called and again was told that they are unable to share anything related to the application and that a letter was mailed on XX/XX/2019. I have not received this letter as of XX/XX/2019 and explained that they still have my XXXX checking account information and that I am no longer comfortable with them having this information being as they are unwilling to assist any of my reasonable request to understand what is going on with my application.. At this point I need someone who can communicate what is going on to contact me from Citibank so I can withdrawal my application.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violated the Consumer Finacial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant insolvencies and financial loss, and I seek appropriate redress for these violation.
Product: Checking or savings account

XXXX Bank accounts were requested to be opened with XXXX XXXX, XXXX XXXX XXXX XXXX and Suntrust. Three fraudulent accounts were successfully opened on XXXX. All three banks have been notified and have started investigations. My local police department has also been notified.
Product: Debt collection

Midland Credit calls my phone 10 times daily from an XXXX call center, I have repeatedly ask them to stop but an hour later they call again, I have spoke with numerous supervisors with no success. I receive calls morning noon and night 7 days a week The number that calls is XXXX, they do not speak very good XXXX. I have been assured they will stop but an hour later I get another call. This has been going on for several weeks.
Product: Bank account or service

Opened a checking account at Citi branch location XXXX XXXX, 2016. Wrote a check from an existing account at another bank to establish balance. It was deposited in my presence that day. Requested checks for the account, was told they cost ~ {$29.00}. Explicitly asked bank employee if I should pay for those, he said no, it will just be deducted from the checking account. The originating bank shows my initial deposit posting XXXX XXXX. Six days ( four business ) later, the checks were charged to the checking account, but the initial deposit was still not " available, '' resulting in a {$34.00} " insufficient/unavailable funds fee '' on top of the price of the checks. Called customer service, they were unable to reverse the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$350.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Manager stated he wasnt aware of credit being pulled and told me he couldnt do anything about it XXXX XXXX XXXX : XX/XX/XXXX Spoke with XXXX a representative who referred me the credit bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called equifax again on XX/XX/20 and spoke with an agent with agent ID number ID NUMBER XXXX. I have wrote this company several times about not being able to see my credit file. I have submitted several disputes over the last few months and I have also submitted via A previous complaint both my drivers license and social security card as proof of identity. I have been denied my credit report online and over the phone. I was told over the phone I ned to send in my drivers license AGAIN because it expires every three months. I attempted to log onto the web portial to check my dispute status and it has my file completely blank and shows nothing. I have attached both my social security card and my DL yet again and I am requesting that these documents be left on file so that I do not have to provide them over and over again to view my own consumer report. I am also requesting A free credit report be mailed to me for my viewing since I have not been updated via mail on any of my disputes! I would like to be able to call and speak with A representive over the phone and not have any issues with doing so or being forced to file A complaint just to speak to someone. It is beyond crazy that I have to do such things just to have A converstion with someone about my consumer report. MAKE MY CREDIT FILE AVAILABLE FOR ME TO VIEW ONLINE AND FOR ME TO SPEAK WITH SOMEONE OVER THE PHONE!!!!!!
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. There are XXXX accounts listed on my report that are incorrect. On the exact date of XX/XX/XXXX there was a " XXXX XXXX '' account opened with an open balance of {$440.00}. On the exact date of XX/XX/XXXX there was a " XXXX XXXX XXXX '' account that was opened and listed on my credit report with a balance of {$1600.00}. On the exact date of XX/XX/XXXX there was an account opened by the name of " XXXX XXXX XXXX '' with a reported balance of {$23000.00}. The highest being {$34000.00}.