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

This is to report a false advertisement and a mail fraud thru U.S. Postal Service, violations committed by M & t bank. 
Attachments are an offer to me at my address thru U.S. Postal Services. ( Page 2 ) Get a {$300.00} bonus cash bonus. See page 5 for details. 
Open a XXXX XXXX account at M & T branch by XX/XX/2019. 
Maintain an average monthly balance of at least {$10000.00} for the calendar month of XX/XX/2019 and XX/XX/2019. 
Your {$300.00} cash bonus will be credited by XX/XX/2019. 
On XX/XX/2019, Mr . XXXX XXXX spent more than an hour calling the center to get a code in order to open this account. 
On XX/XX/XXXX I called the XXXX to inquire about the {$300.00} bonus, after more than 40 minutes I was told there was no promo code and that I had to go back to the branch. 
On XX/XX/XXXX about XXXX XXXX I was at the branch asked MrsXXXX XXXX XXXX to talk to the branch manager, she stated the manager is busy and she could help. I informed her that I was closing the account by the XX/XX/2019 but, according to my previous inquiry to the call center, there is an issue with my bonus despite the fact a valid code was given to Mr . XXXX XXXX at the time of the opening the account. 
I presented her with a copy of the offer ; she spent about an Hour talking, I suppose to XXXX XXXX at XXXX XXXX NY, XXXX who at one point alleged a fraudulent or suspicious mail offer which I quickly challenged her. Then I was finally told by Mrs. XXXX that everything was escalated and I was assured everything is straightened out, and that she is on the top of it. 
Next morning Mrs. XXXX left a message at XXXX XXXX to call her exhibit ( page 3- exhibit : A ). When I called she stated the call was to assure me again that she is following up on the issue. I called her back again to remind her XX/XX/XXXX is the date. 
On XX/XX/XXXX I had to spend about half an Hour ( see calls attachment ) on the phone with Mrs. XXXX and also the branch manager regarding this, finally I alert them both, in an event the {$300.00} is not in the account by the XX/XX/XXXX the bank is in violation and that I would have no choice but to report to regulators. Mrs. XXXX, who had ignored me in the past, condescendingly stated : THAT IS YOUR PREROGATIVE. 
As of today, I have kept the account only open to receive the advertised bonus ; the {$300.00} has not been credited, but an amount of {$24.00} has been deducted for a service charge. 
The amount of time I have spent on this clearly shows many inconsistencies which substantiate intentional fraud on the part of M & T bank which unfortunately makes a bad name for the banking industry. 
Sincerely,
Product: Credit reporting or other personal consumer reports

On XXXX on a recorded call I contacted transunion regarding several inquiries I never authorized from a car dealership. I asked Transunion to provide written instructions from myself in accordance to section 604a2 or 1681b. These inquiries are still reporting on my consumer report even though I never provided authorization. XXXX XXXX was the only lender whom i provided consent for to review my credit history.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of identity theft resulting from a data breach, these entries were made without my authorization and should be removed in accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ). 
Fraudulent Accounts : 1. Creditor Name : XXXX XXXX  Account Number ( Partial ) : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$2700.00} 2. Creditor Name : XXXX XXXX Account Number ( Partial ) : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$2000.00} 3. Creditor Name : XXXX XXXX XXXX  XXXX  Account Number ( Partial ) : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$2700.00} 4. Creditor Name : XXXX XXXX XXXX Account Number ( Partial ) : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$360.00} 5. Creditor Name : XXXX XXXX  Account Number ( Partial ) : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$0.00} 6. Creditor Name : XXXX XXXX Account Number ( Partial ) : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$290.00} Fraudulent Inquiries : 1. Inquiry Name : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX 2. Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX 3. Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX 4. Inquiry Name : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX
Product: Consumer Loan

I had a loan with Global Lending service that was set up by XXXX. For one year I paid XXXX a month to them and not once were these payments reported to a credit agency. When I went to refinance the car I was informed that Global lending was not federally insured and therefore I would NEVER be able to be refinanced by a reputable lender. I went to XXXX to talk to them and they could not find anything on my credit report regarding Global Lending. I was so distraught about this that when I went to XXXX I was very vulnerable and alone. They knew I was there to get my payment down. When I left there I had a brand new XXXX with a XXXX payment which is too much. I recently had found out my identity was compromised during a background check for a job, my hospital records were among a group of records that were hacked and a satellite internet company had posed as direct TV and took my debit card number. I was pretty shattered at the time and now am stuck with a XXXX payment on a car I did not want. I went through bankruptcy in XXXX to try and pick up the pieces of my life and hopefully get things back together. No positive credit was garnered by my relationship with Global Lending causing my credit to still stink. Is there anything that can be done? Where should I turn? I am completely at a lose
Product: Credit reporting or other personal consumer reports

I am disputing inaccuracies and unauthorized entries on my credit report. Specifically : 1. Derogatory Marks : XXXX XXXX XXXX XXXX ( {$630.00} ) is still reported as active, though it has been resolved. 

XXXX XXXX XXXX XXXX ( {$630.00} ) is not recognized and appears to have been reported in error. 

XXXX and XXXX ( {$190.00} ) has been paid in full but is still listed as an active collection. 

2. Hard Inquiries :XX/XX/XXXXXX/XX/XXXX( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XX/XX/XXXXl XXXX ( XX/XX/XXXX ) are unauthorized hard inquiries, as I did not apply for credit or authorize these requests. 



I request that these inaccuracies be investigated, verified, and removed if they can not be substantiated.
Product: Debt collection

XXXX  has a Collection Account from a Company called Portfolio Recovery and I have disputed this several time asking XXXX to verify the account is mine and XXXX keeps saying Debth verifid and it is not verified. I have called the Company and they keep saying there was a card in my name from XXXX XXXX and I do not ever go to that store, I do not like that store and I do not live near a store. They have sent me a bill and never do they provide anything else in my name. I have signed affidavits for Portfolio Recovery and they keep it on my only XXXX  Report and they report it as an open account but in collections and say XXXX is owed.
Product: Checking or savings account

On XX/XX/, I received an email notification from Chime Bank that I had opened a new checking account, when I did no such thing. 

I calling Chime, I had to provide personal identifiers before anyone would disclose details about this fraudulent account. Chime advised me that I had to file a Complaint with the FTC to report my ID theft first, then they would release info. I provided them with this, yet they still have not provided me with any account opening documents, or anything else related to how this account was opened. 

Finally, I have also found out that there is likely an additional, fraudulent bank account Chime opened in my name, after I had already disclosed that the false account was opened. I again am asking Chime to close this account, and lock its service from opening new accounts, however I am weary that this institution is unreliable and will continue to allow fraudulent accounts to be opened in my name.
Product: Credit reporting or other personal consumer reports

These accounts are identified as a charge off. Which the companies have taken a loss on and written them off on their taxes. In this case they were to send me a 1099 so I can file as income on my taxes which haven't been done. I demand these items to removed from any credit report within 7 days due to them not following the law that requires them to do so once they charge off an account. 

XXXXXXXX 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

Creditor ( XXXX XXXX ) hired lawyer ( XXXX XXXX XXXX, Georgia ) to garnish bank acct. for payment of credit card debt. On XX/XX/XXXX. They had court order due to winning suit. They took everything, leaving me {$0.00} to live on. Frozen acct. I have made repeated calls explaining I am unemployed since XX/XX/XXXX, am a senior citizen, needed to purchase My medications desperately., and all monies in bank were from IRRA! Please help me! I have been without meds, gas, or XXXX cent for one week! All attempts to call attorneys and My bank have been wasted time. No one cares..Please help me! I have had 2 borrow 5 days worth of medication, and can not pay my pharmacy back,! Please, please help me. I am confused, and feel like I'm taking one step forward and 3 steps back! I can not neglect My health any longer.XXXXXXXX XXXX  XXXX does not return calls. 1 of the Agents I spoke with Told me, " it's a done deal '', nothing can be done about it ''! XXXX XXXX ) When asked for administrative contact name and telephone, she hesitantly gave it, but added, " She is NOT going 2 do anything about this ''! Called many times, left message that matter was EXTREMELY important on XX/XX/XXXX, and/or XX/XX/XXXX.No response!! The " hold '' button at this law firm is unbelievable! 
I have spent many hours of what I feel has been wasted time. I need someone who cares about humanity! Do your job, but show empathy. I try to remain calm, but My heart races and I cry uncontrollably! I have no one to help. I am not asking for pity, just help in attaining My IRRA money.i WILL find a job, and pay debts owed, but I NEED medications desperately. Please help!
Product: Student loan

My servicer changed to Mohela around one year ago. I have tried countless times to contact the company to verify multiple things and can never get through to a person. Their website does not allow actual emails or messages either. When you click to message them it just takes you to an FAQ page. My public student loan forgiveness credit from the paus has not been updates. I want confirmation on which payment plan I am enrolled and what my payments will be starting in XXXX. 

Holding loans is stressful, all that is happening over the last few years makes it more stressful, and a company with poor business practice and nonexistent customer service makes everything worse. I pay on my loans and have filed all of the necessary paperwork for repayment and XXXX verification every year. Even if I didn't, I would still deserve to have my questions answered. It is truly despicable how this company is performing. Please help. There were times when the previous servicer, XXXX would not know the best answer to my questions but someone always answered the call. What can I do??
Product: Prepaid card

In regard to the us bank focus cards for XXXX XXXX XXXX XXXX  : US Bank Executive, XXXX XXXX, is new on the Advisory Board for of XXXX XXXX XXXX XXXX, and now over 100,000 Florida families are blocked from accessing our XXXX XXXX XXXX funds without utilizing a US Bank issued and controlled card. 

Furthermore, there are no US Bank branches in the entire State of Florida, instead, we are directed to make cash withdrawals from XXXX ATMs, for our childrens educational reimbursements. 

We are also being coerced into opening up a US Bank account. They are claiming that the US PATRIOT ACT requires certain documentation to comply with the banks request.

Additionally, we have been lied to about fees associated with the card & how to access it, such as XXXX XXXX XXXXXXXX, bank transfer, etc.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking to be verified. XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

Around XX/XX/2022 I received XXXX Cash App cards in the mail all registered under my name and address. Each card has it own account number. I have never signed up for anything thru Cash App. Contacted them to report the cards as fraudulent back in XXXX and requested that any online accounts associated with these cards or online accounts needed to be flagged as fraudulent and closed. They issued a case number and I sent in required information to them they required..I have called several times and they will not respond to my requests of updates on closure of accounts and several emails for response that go unanswered as to status on case number. It's been 3 months now and no resolution to this fraud.
Product: Credit reporting or other personal consumer reports

Free access to credit report has disabled. I am unable to obtain a copy of my transunion report after several request through website, annualcreditrepirt.com and request by phone per website advisement.

I am unable to dispute any of the inaccurate information with any of the 3 bureaus at this time. All online access from previous fraud alert program has been disabled.

In addition, All 3 credit reporting agencies have not updated my report nor my score with current accurate information
Product: Credit reporting or other personal consumer reports

I tried to fix my credit report since last month but still no recieving any response from you. please please delete all the negative items immediately Here 's the list Account Name : XXXX Balance : {$960.00} Account Number : XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX Balance {$900.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX  Balance {$1100.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX Balance : {$620.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Balance : {$850.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX Balance : {$640.00} Account Number xXXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX  Balance : {$680.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX Balance : {$0.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX  Balance : {$0.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX Balance : {$490.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX Balance : {$720.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX, XXXX Balance : {$650.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Balance : {$600.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Inquiry name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX  Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry name : XXXX  Inquiry : XXXX. XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiry name : XXXX XXXX  Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX  Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry name : XXXX  Inquiry : XXXX. XXXX, XXXX XXXX name : XXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiry name : XXXX XXXX  Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in letters to Experian XXXX, and also XXXX XXXX I have also called I have also upload my photo Id and social security card to have proper things taking off my credit report. I am not sure why they even keep letting people run my credit with out verifying that it is me. This is why I have a fraud alert on my report. I just so happen to pull my report and this is crazy how they have let just about everyone pull my credit. I recently order my credit report and noticed that there are more then a few inquires that I do n't recognize nor did I authorize. Such as : ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX BANK XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VIA XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX ) These are the inquiries that are unauthorized and unrecognizable. I have called over and over again and for some reason they keep telling me that there is nothing that they can do. If this is true then why would I even have a fraud alert on my report. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm offer of Credit B. XXXX XXXX XXXX XXXX XXXX order The following credit inquiries are related to none of the aforementioned permissible. Please remove these credit inquiries immediately.I would also like and updated report when this problem is corrected. Thank you so very much in advance XXXX XXXX I would also like my correct name and address and right social security number updated along with my phone number. I am attaching copies of all the correct items.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my XXXX Report/FTC identity theft report ( XXXX REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XX/XX/year> As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the XXXX report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I never gave your company consent to use my consumer report to furnish unauthorized hard inquiries. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  I cant apply for credit, my ability to apply for credit is tainted
Product: Credit reporting

I 've repeatedly told XXXX XXXX XXXX, XXXX XXXX, XXXX, and now XXXX, that the delinquent student loan document # XXXX is not mine. I did not fill out the loan documents nor did I sign them. This student loan is for XXXX XXXX. I did not attend XXXX. I 've reported to all XXXX credit bureaus that this is not a valid loan and shown proof of signature verified by an XXXX XXXX here in XXXX XXXX. Someone created this loan in my name and XXXX will not wish to recognize my argument. I 've repeatedly have been denied credit for home refinancing and purchase because of these false derogatories. IT ISNT RIGHT THAT I SHOULD SUFFER BECAUSE OF XXXX 'S CARELESSNESS IN LOAN PROCESSING! Frustrated, I have on retainer XXXX XXXX Attorney XXXX XXXX XXXX number XXXX. Feel free to contact me at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for allowing me to file this complaint against the credit bureaus. I have decided to take this step before I involve the courts to assert my rights. First thing I noticed is the " credit reporting agencies '' impersonating a " bureau ''. In reality they are not at all a bureau and have no association to the government. The took it upon themselves to report information about me and speak for me without my written/signed consent under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. This is deceitful and I am due what is rightly mine. After reviewing my report I see the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that should not be there and I want deleted. The addresses listed XXXX XXXX XXXXXXXX XXXX AL XXXX and XXXX XXXX XXXX XXXX, AL XXXX are not associated to me and I do not give permission for it to be shown on my report.
Product: Debt collection

Dear Firstpoint Collection Resources, I am writing to formally request validation of the debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this debt, and before taking any further action, I request that you provide the following information : 1. The name and address of the original creditor.

2. The original account number.

3. An itemized statement of the debt, including any interest, fees, or other charges.

4. Verification that you are authorized to collect this debt.

5. Proof that I am legally obligated to pay the alleged debt. 
Please treat this letter as a dispute of the validity of the debt. I request that any further collection activities be suspended until the debt is properly validated. 
Additionally, I request that you cease all communication with me, except to provide the requested validation. If this debt is not validated within 30 days, I expect you to cease any further collection efforts and remove any reference to this debt from my credit report. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I was a victim of identity theft. I did not open credit card and notified company of that. The account should have been closed of further use. Instead I was hit with a lawsuit.