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

I deposited {$700.00} in the joint account that me and my wife have via atm in cash on XXXX XX/XX/year> at XXXX. The bank is Citi Bank located in XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX United States When I went to deposit it it shows that the account was on overdraft after the deposit I saw the negative balance. Looks like my wife deposited a check that bounced and she withdrew money already from the available limit and the account ended on overdraft which I was not aware of. I can see all the transfers made except the {$700.00} deposited by me. 
I understand that the account is in negative balance and Im willing to pay it before it goes to collection but first I want the deposit issue to be resolved and I will be paying the difference so that does not go to collection. 

I tried calling costumer support over 10 times and they are telling me to go to branch where I deposited it and speak with them. I went there 4 times already and they are not helping me either. I told them to check the cameras they wont do it. Theyre saying that they count the money every week from the atm and they didnt see any extra money in the atm. Im pretty sure I deposited on ATM XXXX. XXXX. 
And now Im here asking for help to resolve this issue that has been going on for 2 weeks now.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX, it is presumed that no evidence of the debt exists.I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This all started back in XXXX. I have sent them over XXXX documents in the past months and have sent they XXXX more since then. They keep coming back to me with more an more updates. I'm almost done with them. They keep getting high interest from me every month. They will not even help me get my credit report activated again. I have sent them a letter requesting them to put me back on the credit reporting. And they have refused me. They have also said to me that they need clarification over and over again. This should have not taken XXXX  months to do. I have sent them month after month of Bank Statements. I need your help with this please! Thank you, XXXX XXXX
Product: Checking or savings account

Someone accessed my account with USAA, with my logging and transferred money to XXXX XXXX customers and I have reported serval times that I have not made the charges. The bank did find that there were phone numbers and emails added to my account that I didnt add or not associated with me. I keep putting a review with the member resolution team and nothing is happening. I want my money back. I have already changed all my login security.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experian. Concerning XXXX XXXX and my credit report. I informed them of the fraudulent foreclosure or guess my property that usbank file I against me. Without any legal standings. I sent them to pull report along with support and documents. Informing them of the incidents and hardship that would brought upon me and my family. I asked for a credit update in writing to remove us bank from my report yet I were refuse. I first contacted experian XXXX XXXX 2017 about this situation and to date I have n't had anything in writing. Thank you
Product: Credit card or prepaid card

I decided to use the chat service in Discover cards app because I needed to dispute a transaction from the week earlier. The first rep seemed like they were disputing it for me there was around 20 mins of nothing in the chat. She then comes back says they treat chats like emails and get back to who they want when they want and she wasn't going to dispute my transaction because it was a service. I pointed out the difference between a service and merchandise and asked for a manager. A manger did not text back for 8 hours and said they were not going to dispute my transaction and I had to go back to the merchant that already did not help. I pointed out on their own credit card resource page it says the FTC requires disputes in certain cases and I have disputed such things before with them since I've had the card for almost 15 years and was successful. She said she would not dispute my transaction from XX/XX/2019 because she determined it not to be in my favor personally. As I understand disputes are required to go through a process where they are clearly documented. I do believe this is a violation of consumer protection laws and needs to be investigated. I know interest rates are dropping on credit cards and in turn making their profits slimmer but taking away consumer protections is not the way to do get bigger profits. I have attached screen shots of the chat where the representative and the manager refused to file my dispute for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I would like for you to know that I am not a credit repair company. My name is XXXX XXXX and with this complaint I will upload a copy of my License, social security card and a bank statement. I am filing this complaint because I am a victim of Identity theft. XXXX, Experian, and XXXX all furnished my consumer report without my consent. I sent several disputes to these companies requesting a written agreement/ contract, or any written instruction with my signature allowing them to furnish my consumer report. Each time they failed to disclose these documents which is a violation of the FCRA 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports.Their failure to disclose these documents forced me to file a FTC complaint, and my next step will be to file a lawsuit against each of the companies if the accounts below are not deleted from my consumer report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filed a dispute with the creditors due to invalid information on my credit report and there was no response within the 30 days. Per the companys policy I would like these items removed off my credit report due to companies not responding in a timely manner.
Product: Mortgage

I have completed the mortgage loan application but UMB BANK denied that I completed my mortgage loan application as first time buyer but I believe I was discriminated because I told the agent that I collect social security XXXX benefits and the agent imposed a requirement that I must have current balance of {$600.00} because it was part of the requirements to approve my mortgage loan application as first time borrower but I believe because I collect social security XXXX insurance benefits have led to their denial of my application and the requirements that was imposed on my application that I must have {$600.00} as current balance as part of the application process since I didn't keep a balance of {$600.00} they denied my mortgage loan application and said that my application is incomplete when I filed the ENTIRE application and signed and submitted.
Product: Checking or savings account

Logged onto my account. Was offered free checking product. Answered a few website questions and the result was denied a free checking product. 

Followed up with XXXX from Betterment by email, she told me unable to tell me why can't open a free checking.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not repoting my Mastercard with a XXXX limit to Equifax or XXXX.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX reporting closed and delinquent, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX ( collection agency ), XXXX XXXX  or XXXX, and XXXX XXXX I have requested via the collections agency and credit agency 3 times to provide information no repones just came back verified and has violated my rights. 

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract nor any contract with CMRE Financial Services. I have never done business with this company. I am not liable for comllect from this debt from XXXX XXXX XXXX. I am not responsible for this debt from CMRE Financial Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit has been compromised, i never apply for any of this account please remove
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have statements for the past year that show that I have made {$6300.00} in payments and only {$2200.00} has gone to my principal. When I ask why they take more in interest, they say its an interest bearing loan. I think this is ridiculous! I tried refinancing to get a lower interest rate ( current rate is supposed to be 36 % ) and they say that I dont qualify! Please look into this company One Main Financial in XXXX XXXX New Mexico!
Product: Credit reporting

RE : EXPERIAN XXXX XXXX XXXX Incorrect address on my credit report Dear CFPB : I called Experian in regard to an address that was not mine. Experian XXXX XXXX advised me to contact the creditor. I contacted the creditor and was informed of a system error on their part. Experian still has not removed this address from my credit report even though I had requested it removed. Please see the credit report that reflects the incorrect address. 

Please remove the address XXXX XXXX XXXX XXXX XXXX CA XXXX. The address is not mine and I never lived in California. 

Sincerely, XXXX XXXX
Product: Credit card

1 year ago I opened a secured credit card with Bank of America, with {$2000.00} as deposit. About 6 months ago, as I was leaving the country, I closed the credit card. At that time, they said the {$2000.00} will be back to my account in 2 weeks. 

Then during the past 6 months, the money still not in my account yet. I tried to call them for more than 5 times. Everytime the specialists said my money will be back in 1 week. But till now I received nothing. As I still need the bank account to receive the money, I keep the account open and need to pay monthly fee which is {$12.00} per month.
Product: Debt collection

I am getting harassed multiple times a day by calls coming from ( XXXX ) XXXX and XXXX. They threaten that they have complaints against me, orders against me and will be serving me. They have no intention of serving me so that alone is a violation of the FDCPA. Let 's continue. They threaten if I do not respond an order will be placed against my parents. They threaten they will contact my HR department to aid in serving me. 

I called back they have my SSN and other info and say it 's for a payday loan from XXXX. 
1 ) Pay day loans are not legal in NJ 2 )XX/XX/XXXX is past the statute of limitations on debt in NJ 6 years. This alone proves they are in violation of the FDCPA by threatening to serve me with no intention of doing so as they ca n't for a debt past the statute of limitations. 
3 ) I had a XXXX bankruptcy discharged XXXX so even if the debt was valid which it 's not it is illegal for them to attempt to collect as it was discharged. 

They are misrepresenting and violating the FDCPA and I would like them to stop.
Product: Debt collection

I am writing to formally dispute certain information in my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Upon reviewing my credit report, I found inaccuracies that I believe are affecting my credit score and overall financial health. 
The items I am disputing are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts includes inaccurate information. 
According to 15 U.S.C. 1681 ( a ), I have the right to dispute any information contained in my credit report that I believe is inaccurate, incomplete, or unverifiable. I respectfully request that you investigate these matters and correct or remove these inaccuracies from my credit report.

Please find attached copies of any supporting documentation that verifies my claims. I kindly request written confirmation of your investigation results, as well as any changes made to my credit report.

Thank you for your prompt attention to this matter. I look forward to your response within the timeframe established by the FCRA.
Product: Consumer Loan

In XXXX of 2014 I took out an auto installment loan at PLS. I have been making biweekly payments ever since. Within the last XXXX6 months new management and employees have come in and it seems that they do not note properly in their notes while doing collection calls. The phone calls are not only to myself, but my references as well. I am being contacted about XXXX5 times a day and am also left XXXX voicemails from the employees. I have communicated my issue three times now and nothing has been done.
Product: Debt collection

My name is XXXX, a federally protected consumer, and I am making this complaint against SOURCE RECEIVABLES MANAGEMENT, for committing identity theft. I have never given SOURCE RECEIVABLES MANAGEMENT, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with SOURCE RECEIVABLES MANAGEMENT and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving SOURCE RECEIVABLES MANAGEMENT any right to collect on this alleged debt. I have never received any documentation requesting validation from SOURCE RECEIVABLES MANAGEMENT, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If SOURCE RECEIVABLES MANAGEMENT, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until SOURCE RECEIVABLES MANAGEMENT, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SOURCE RECEIVABLES MANAGEMENT, continues its collection efforts, I will file for litigation for actual damages caused and they will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : Account # XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX  has violated my rights. 
Account # XXXX XXXX XXXXXXXX has violated my rights. 
Account # XXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXXXXXX XXXX  has violated my rights. 
Account # XXXX XXXX XXXX XXXX Dismissed has violated my rights. 

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 or other personal consumer reports

SelfXXXX XXXX is not my account, I have never applied for a loan or have I ever used it!
Product: Checking or savings account

XX/XX/2022 fraudulent XXXX scam through Huntington took XXXX dollars made report with local police I was not protected by my bank They denied claims twice
Product: Mortgage

XX/XX/2019,, Continuting Issues,, Yes I Did Received Some Response From Wells Fargo Bank, But Still Need A Lot More Work,, No I'm To Happy About theResponse i Received So I Think Through All Of This,, They Decline To Pay For Damages They Caused, Me And Family,, They Don't Care,, How Can Care About A Very Big Overrated Bank That ( Steals ) From Loyal Customers and Used ( Deceased Parents ) And Made Money off It, Does This Mean Anything,, U Tell Me? That Is Question? Yes I Do Think That I Should Be Considered For Some Type Of Damages,, Besides XXXX Knows The Truth,, He Do Have The Last Say!!
Product: Money transfer, virtual currency, or money service

I have concerns about my BlockFi investor wallet ownership in cold storage. Those wallets are in my name and in cold storage, and not to be used to satisfy secured creditors if bankruptcy comes.
Product: Credit reporting, credit repair services, 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also XXXX2 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

My experiences with this situation has been very rough due to the damage of my credit.