23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have2 resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX, XXXX XXXX XXXX.
Product: Bank account or service

On XXXX XXXX, 2015, my wife attempted to deposit {$1800.00} cash, XXXX XXXX XXXX dollar bills, XXXX XXXX, XXXX XXXX, and XXXX dollar, into my Bank of America checking account by using my debit card at the ATM machine located inside of the bank. The ATM machine malfunctioned and only credited {$300.00} of my attempted deposit. The receipt stated " Sorry, some of your items could not be processed or returned. Please contact your financial institution. '' I contacted the electronics claim department of my financial institution to place a claim. XXXX separate claims were made. claim number : XXXX represents the {$1500.00}. There was a temporary credit to my bank account of {$1500.00}. This credit was reversed on XXXX XXXX, 2015 because they did not locate any additional cash for this transaction thus closing closing this dispute. They also credited on XXXX XXXX, 2015 the {$31.00} from claim number : XXXX and determined that this claim was resolved and the current status was claim paid. I am disputing the final decision on claim number : XXXX and ask for your office to further investigate what happened to my deposit. I am attempting to forward to you the documentation the bank provided.
Product: Checking or savings account

On XX/XX/2021 I opened a checking account online with Axos Bank. On XX/XX/2021 I transferred {$2000.00} from my account at XXXX to Axos. On XX/XX/2021 I began a transfer of {$2000.00} from my account at XXXX and attempted to cancel this transaction on XX/XX/2021 but it went through to Axos. On XX/XX/2021 I closed the Axos account and asked to have the funds sent to my address on file with the bank. Instead they sent the funds back to XXXX and XXXX. At that time neither XXXX nor XXXX showed receipt of the funds. After numerous phone calls and emails between myself, Axos, XXXX and XXXX, Axos emailed saying they had contacted the Federal Reserve and were given trace numbers confirming the funds were transferred ( that email is attached ) .Vanguard was able to confirm the receipt of the funds with the Federal Reserve trace number but XXXX was not. I tried to contact the Federal Reserve but after going through several federal agencies including the Dept. of the Treasury, Bureau of Fiscal Services, I was told my only recourse was to file a complaint through this agency. I have asked Axos to find out what account the Federal Reserve deposited the funds into at XXXX but they did not respond to my request.
Product: Debt collection

In XX/XX/XXXX LVNV placed a debt from XXXX XXXX for a credit card in the amount of {$6600.00} on my credit reports in XX/XX/XXXX letters for account verification where sent to LVNV Funding And XXXX XXXX to which both failed to verify the debt so it was removed from my credit reports. XX/XX/XXXX LVNV Funding has a new owner Resurgent Capital Services, they have placed the debt back on my credit so I sent out a account verification letter to Resurgent Capital Services on XXXX XXXX XXXX  giving 30 days to respond it is now XX/XX/XXXX and they have not this is long enough for this debt that does not belong to me to be removed Also I was able to have it removed by XXXX dispute # XXXX on XX/XX/XXXX but not XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters i continued to receive in the mail. I have never heard from the place before, I suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX {$430.00} XXXX   XXXX {$1200.00}
Product: Checking or savings account

I changed a linked checking account for the XXXX XXXX use. I then requested a withdraw from my XXXX. After several days of it showing as pending, I contacted support. They advised the withdrawal is frozen because then need to verify ownership of the newly linked checking account. I was never notified of this need until I reached out to support. 

I then provided support with a bank statement proving ownership and they provided a confirmation number in their document portal. During this time, the bank also accepted a P2P transfer depositing funds from the newly linked checking account without issue. After two business days, the withdrawal transfer still did not complete. I then received an email from them stating that if I dont upload the document ( already had been done ) the transfer would be canceled. I called support, who stated the withdrawal transfer would be completed by the end of the business day. It did not complete, and I still am unable to withdraw my funds from this account.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, 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: Debt collection

Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX, Attorney General and FTC
Product: Credit card or prepaid card

Covid 19  caused me financial hardship so I could not make my Citi Card Best Buy card payments. I advised Citi of this and instead of working with me Citi closed my card and damaged my credit.
Product: Credit card

I used this card to make purchase on XXXX on XX/XX/XXXX, but that order was unilaterally cancelled by XXXX on XX/XX/XXXX due to suspicious activity, while XXXX still charged me on this card for it. 


I filed a online dispute with Barclays on this transaction XX/XX/XXXX when I saw the posted charge from the statement. After a few days, I received a phone from Barclays dispute team, but I was only asked to confirm the transaction date, amount, etc. I offered to submit additional information/documentation for this dispute, but Barclays was NOT interested to obtain such info from me, which left me in a such WEAK position into this dispute versus XXXX. 

On XXXX XXXX XXXX Barclays sent me a letter about the denial decision of dispute. Inside this letter, Barclays did not explain any reasoning of such denial but just included the rebuttal from XXXX. The whole rebuttal point is that XXXX has a SIGNED proof of delivery and XXXX shipped the order on XXXX XXXX XXXX 

Based the rebuttal information, I file a disputer re-opening with my additional information ( which I was NEVER having any chance to submit ) to such rebuttal, which include the original DATED order email, DATED XXXX official cancellation Email, and my XXXX order history showing such order completely removed/cancelled. 

HOWEVER, my disputed was denied again on XX/XX/XXXX. I called Barclays on XXXX XXXX XXXX I was told the reason why I first dispute reopening was denied is because I failed to provide the description of the merchandise. 

First, such information was never explicitly required in the first time letter of denial ; Second, Barclays never tried to contact me for such information after I reopened the dispute ; Third, I DID provide the original XXXX order ( which was cancelled by XXXX ), that has such information within. 

Barclays Billing Dispute back-team person/supervisor is VERY unprofessional in handling my dispute, they never looked at my dispute statement carefully, and they never communicated to me for any information related to this dispute, AND they used the reason " I failed to provide description of merchandise '' to deny my dispute. This is LYING
Product: Money transfer, virtual currency, or money service

{$11000.00} total in Cashiers Checks Cashed and Stamped as received, yet Citi Bank has no record if it?! 

XXXX XXXX XXXX XXXX XXXX on XXXX XXXX in XXXX, XXXX, I paid off four credit cards with cashiers checks. Two of them were received and paid to XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX ) the other two were sent to Citi Bank ( Citi XXXX XXXX Citi XXXX XXXX. ) The two XXXX cards processed the checks with no problem. Citi bank however has cashed both checks as of XX/XX/XXXX but has no record of receiving them on their end and therefore have not posted them to my credit card balances. XXXX XXXX XXXX XXXX has the photographs of both cashiers checks dated XX/XX/2022 and stamped as received by Citi Bank on XX/XX/2022. I have called and called Citi Bank. I am immediately sent to an outsourced company where I struggle to communicate with each representative. As of yesterday, XX/XX/2022, a payment investigation was started on Citi banks end. We ( XXXX XXXX XXXX XXXX Representative and myself ) faxed photos of the cashiers checks to the Citi bank payment investigation dept. We were told the late fees on my account could be removed if the issue is resolved and that I should pay my minimum payments to keep my account current. The investigation could take up to 21 days!! One cashiers check was for {$6800.00} and the other for {$4600.00}, and as this was a balance transfer loan from XXXX XXXX XXXX XXXX, I am paying them for the loan. I should not also be paying for the missing checks that Citi Bank has stamped as received and paid but apparently has no record of! {$11000.00} is a lot of money to be missing yet clearly cashed and received but lost! Please help!!
Product: Money transfer, virtual currency, or money service

I hereby formally file a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices, in violation of the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 's failure to implement timely and effective fraud prevention measures resulted in the compromise of my account. Moreover, their dispute resolution process was deficient and misleading, failing to comply with the error resolution requirements of the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused substantial financial harm and inconvenience, necessitating appropriate remediation.
Product: Debt collection

For the past XXXX or XXXX months I've received multiple calls from this company on a daily basis, even Sundays. I've spoken to them and they refuse to tell me anything more than the amount I owe and the name of their company, stating the debt is over XXXX XXXX XXXX. I asked them to stop calling me and they said they would not. I changed my phone number and within a week they were calling again. They are violating the Fair Debt Collection Practices Act by calling me back to back and on Sundays. 

The name of the company is Midland Credit Management, and they use over XXXX different phone numbers to stalk and harass.
Product: Mortgage

I have a loan with Ditech Mortgage made the XX/XX/XXXX payment of {$2000.00} which was received on XX/XX/2016. For some reason they put them in " suspense ''. To date they have not released the funds. Fear that this will hurt my credit and cause me a late penalty. The account was current prior to this.
Product: Payday loan, title loan, or personal loan

US Bank reports charge off of a line of credit from XX/XX/XXXX {$470.00} from a debt of {$640.00} XX/XX/XXXXthis is still being reported on my credit report but the account was opened in XXXX XXXX, this really doesn't make sense because I paid off my car then so why wouldn't I pay oof this line of credit. 
This is stolen identity or mistaken identity
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 {$2200.00} A letter to verification was mailed and received by the company. The company acknowledged in a previous claim that they were waiting until the 30 day period before they were going to remove the the derogatory mark on my credit report. It has been more than the 30 days since the they received the letter. I have not received any further mailed response from the company and the derogatory mark is still hindering my credit score.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I withdraw my consent from crypto.com using or sharing my personal information in any form. 
This is unlawful keeping my information hostage knowing that your app does not work at all in my state of residence. I have provided proof in previous emails that I own the account and receive excuses instead of deleting my account as requested repeatedly. This is not right what you are doing to us consumers who don't know the rules. The website does not have a way to delete accounts opened by accident and then we are given made up rules not provided on your website neither are the states or countries where your available provided. I'm tired of this behavior by all crypto and blockchain exchanges. All of you should be closed down permanently. 
PS. I have attached the message recieved in your app Regards, Need justice
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax for inaccurately reporting a balance on my student loan. My Equifax credit report incorrectly shows that I have an outstanding student loan balance of {$12000.00}, despite the fact that this loan has been fully paid off. 

I have attached documentation, including a payoff statement from my loan servicer, that clearly shows the loan was paid in full and should no longer appear as a balance on my credit report.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 items which do not belong to me or were opened without my permission. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXXXXXX Balance Owed : {$310.00}, XXXX XXXXXXXX Balance Owed : {$770.00}, XXXX XXXX XXXX Balance Owed : {$670.00}, XXXX XXXX Balance Owed : {$310.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/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 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 a account without my written instruction. 

15 u.s.c 1681 A 5 section states no consumers reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 


XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CCS is reporting a collection on my credit report, I have no knowledge of this alleged debt. I did request for validation of debt it was ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$13000.00} on the XXXX XXXX CU partial account number XXXX. ( Please see page attached from my credit report. ) First, the balance reporting is incorrect ; and Second, this account has since been sold to a third party and therefore can not be reporting on my credit report. This is a violation of the Fair Credit Reporting Act and is mandated that this be removed. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I sent letters to this XXXX XXXX XXXX requesting validation on the following accounts that were reporting negatively on my Credit Report XXXX XXXX XXXX Account Number : XXXX, XXXX - XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX asking for the XXXX verifiable proof ( an original consumer contract with my signature, Pay-off Discloser, Interest Rate Discloser, Balance History, Payment History, and Credit Insurance ) which was never provided.
Product: Credit card or prepaid card

I am having a problem having my returns credited with Amazon credit card from synchrony Bank. 
I have the following returns, XXXX. Glasses XXXX I returned an XXXX. 
XXXX Shoes I tried talking 2 them. One person asked me what did i buy. 
Another was just rude. 
Another started talking about an account summary 2 weeks ago. 
I want to have my account credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Experian and requested a reinvestigation of a previous dispute with XXXX XXXX XXXX. The company reported late payments on a paid, closed account. I called to request paperwork that could prove my payments were late and they told me they can't due to account being paid and closed. A company should not be allowed to report anything without proof, especially anything negative. I received dispute results from Experian on today, XX/XX/XXXX, and the results were " Updated ''. The account is still inaccurately reporting late payments as well as a " Paid, Closed '' date of XX/XX/XXXX, when indeed the account was paid in full on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I, properly initiated a payment to my XXXX  XXXX XXXX credit card ; Through XXXX  XXXX XXXX Bill Pay with a confirmation # that says it was supposed to go to XXXX  XXXX XXXX credit card payment. 
XXXX  XXXX XXXX improperly and without your authorization sent those funds to an account at the XXXX  XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX is owned by Wells Fargo. Affidavit paperwork was filled out sent to Wells Fargo and received by Wells Fargo via certified USPS mail on XX/XX/XXXX at XXXX. 
In recent calls to Wells Fargo, they state they can not help me because I do not have an account with their bank. Even though funds were transferred into an account of theirs. 
Our {$6100.00} needs to be returned. 
XXXX XXXX XXXX XXXX was the check deposit info on the back of the check Check # XXXX Deposit # XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX