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

Company refused to refund my fraud claim amount that i close and i told HSBC THAT the XXXX transaction was vaild for {$1200.00} and they never return it to my checking account and it cause the account to go overdraft and the fraud claim was closed and denied and i never wanted this claim to be open back in XX/XX/2022 and i havent recived my funds revered back into my XXXX XXXX account for {$1200.00} and it was reverse on the XXXX i told this company to close this fraud claim and send the funds back to XXXX XXXX
Product: Credit card

Starting in XX/XX/2023 I attempted to close by Citi-Bank credit card as it as no longer needed. I first tried closing the account on-line through the Citi-Bank website . When I notice a few days later that the account was still open, I called the service number and spoke to a person. I was very adamant that I wanted the account closed and that I was not interested in the incentives offered to keep the account open.

Today I received a monthly bill from Citi-Bank . As I have not used the card for many months, there were no charges on it and nothing is owed. But the account is plainly still open.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not

too much trouble, comply with the lawXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was Victim of Identity theft as a result several account appear in my report that are fraudulent and not mine i have send these company all document of the illegality of these account XXXX refused to removed these account from my report and continuo to report then XXXX XXXXXXXX XXXX # XXXX. 
DISCOVER FINANCIAL SERVICES # XXXX 
XXXX XXXX XXXX  # XXXX 
XXXX XXXX # XXXX 
These account are fraudulent and not mine
Product: Checking or savings account

on Friday XX/XX/23 my phone alerted me to a transaction of {$100.00} which i quickly grabbed my phone to see what was going on and while in the process of turning off my phone another charge or the same amount attempted but I was able to block it via the chime app I then Immediately contacted chime because the alert was for an Atm cash withdrawl but all it said was XXXX XXXX XXXX I knew I did not make this transaction but was told I have to let it process then chime support will be able to tell me who what when etc. so on Sunday XXXX the transaction was no longer pending so i contacted them again and a dispute was opened I woke up at XXXX Monday morning to a denial email but zero information other than denied claim so i reached out to them again and of course to repeat the same action but this time was told they noted the account so that the investigation team will send all found details regarding this transaction well at XXXX this morning another denial but this time an attachment that shows the amount taken nothing further so i again i called back with XXXX simple request can you tell me where the money went or and ATM address at which they acknowledge they don't have that information but then how can you still say no error found its ridiculous
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX aka XXXX XXXXXXXX XXXX website failed to process the payment setup, led to a XXXX day delay of a payment of {$130.00}. XXXX failed to notify through a letter/phone. Account is paid in full since XX/XX/year> as soon as I noticed that XXXX XXXX XXXX has failed to process the payment. The Late payment is XXXXXXXX XXXX  issue and still XXXX has disagreed to remove negative information from my credit report and hurting my credit. 
XXXX should remove the negative information asap for me as well for any other customers who faced similar website payment processing issues.
Product: Debt collection

Contacted company via Certified mail on XX/XX/2022 and XXXX/XXXX/220 to ask for validation of debt trying to be collected by this company. 

15 usc 1685i ( 5 ) removal of inaccurate invalidated/innacurate credit information " debt has not been validated, see attached letter dated XX/XX/2022 and letter dated XX/XX/2022 '' 15 usc 1681e ( B ) compliance procedures maximum possible accuracy " debt is not reported accurately across XXXX bureaus SEE DATE OPENED, NUMBER OF MONTHS ( TERMS ), HIGH CREDIT, LAST REPORTED, LAST ACTIVE, DATE OFF LAST PAYMENT. 

15 USC 1681 602A states I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been mistakenly marked late on my mortgage due to issues within the loan servicers and how my payment was processed. I 've sent the bureaus my documents because recently I applied for credit and was declined because of these remarks. I tried to come up with supporting documents to show when I paid. I 've disputed and sent mail directly to the credit bureaus and am not having a ton of success. I did upload the letters that were sent. just recently. My husbands report was also affected.
Product: Credit reporting

deal was cancelled car was broke XXXX said it was repossed please remove
Product: Credit reporting or other personal consumer reports

improper information being reported on my credit report XXXX XXXX account number XXXX states late payments 30 days late on XXXX on XX/XX/XXXX and on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, equifax, XXXX  will not remove a fraudulent  charge off account that was opened using my social security number. My wallet and tablet was stolen out of my car and later that month a installment loan, along with a buch of inquires for request for credit cards was opened using my social security number. The account was opened XX/XX/2018. Amount {$310.00}. The company is XXXX  XXXX. I have sent them a police report for the fraudulent activity and they still will not remove the negative information. I have been disputing this account for over a year now without any luck. Why am I suffering for someone else 's wrong doing? It's against the law for them to report negative, fraudulent accounts. I need this account removed. Each time I disput this account I ask for some kind of documentation liking this account to me. They always send a letter back verified without any signatures, drivers license, or some kind of contract agreement. I never had a account with these people, nether have I ever defaulted on anything. I have perfect payment history and pay all my bills and credit cards on time.
Product: Vehicle loan or lease

I have disputed several times they are reporting open loans to my credit report
Product: Checking or savings account

My bank XXXX XXXX XXXX XXXX merged and became the Pentagon Federal Credit Union, where account numbers, routing numbers and other information were changed from XXXX to the Pentagon system. There were problems and errors by these entities during this merge. 

Once Pentagon FCU allowed website online access, I had to call in at least 3 times to correct problems from checks and deposits. I have had direct deposits of my XXXX State pension and Social Security XXXX since XXXX into Pentagon FCU. 

I recently called this week XX/XX/XXXX into the Pentagon FCU and was told during a security check, that my SS # did not match the one on file at Pentagon FCU. The XXXX  did confirm my identity thru other methods. I was told to scan my documents and upload them to have the change made. I have done this more than once over the last two days with resulting incompetence at Pentagon FCU in resolving this matter. 

Secondly, my call was to receive a 'detailed report ' of the 'monthly withdrawal transactions ' from my XXXX XXXX checking account involving my XXXX, XXXX, and current XXXX external payments to my 'mortgage company at XXXX XXXX '. The limited and archaic website at Pentagon FCU does not allow a ''search '' of certain transactions for specified dates, and to print this out. 

These complaint are about Customer Service and Responsibility which is lacking here.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX  {$220.00}, CAINE & WEINER {$240.00}, XXXX XXXX XXXX  {$470.00}, XXXX  XXXX {$780.00} AND XXXX. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX Original Creditor XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX, TX XXXX, XXXX BAR XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX/XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX  Mortgage XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion, XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX, XXXX XXXX XXXX Credit Unions XX/XX/XXXX Experian, XXXX - XX/XX/XXXX Equifax, XXXX Mortgage Companies - Finance XX/XX/XXXX Experian
Product: Credit reporting or other personal consumer reports

I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports. 

I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ]. 

I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXX, XXXX  Incorrect DOB : XXXX Collections under challenge : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no knowledge of any of these accounts thats reported on my credit reports. 

I am a victim of human trafficking of debt bondage and would like for all the listed accounts to be blocked and deleted from all credit reporting agencies. Please delete the following accounts : ( XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) Capital One As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  debt final rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am kindly requesting that you blocked this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

I'm a XXXX XXXX, XXXX  with a housing issue and I needed chime to provide me with paper copies of my account info. Not able to access account information through email because I have no access to a printer. Temporarily I don't have a permanent home. Working with XXXX XXXX  for housing assistance for XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to you to inform you that APPLE CARD/GS BANK USA has made an error in sending out their statement. This bank was aware of the issue & agreed to update to open/never late. Please update. APPLE CARD/GS BANK USA XXXX
Product: Credit reporting or other personal consumer reports

On ( XX/XX/year> ), I sent an Identity theft letter to ( Equifax, XXXX, and XXXX ), and despite more than 30 days passing, I have not received a response nor has ( Equifax, XXXX, and XXXX ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on ( XX/XX/year> ) and an updated FTC identity theft report. According to FCRA, debt collectors must respond to disputes and requests from consumers within 30 days, yet ( Equifax, XXXX, and XXXX ) have not made a single call or sent a letter addressing the disputes I've mailed. This blatant disregard for FCRA Section 611 ( A ) ( 1 ) could result in fines of up to {$1000.00} per violation. Failure to provide proof or verification within the required timeframe necessitates the removal of this account from the consumer 's report, as the lack of response indicates an inability to validate or verify the account, a violation of FDCPA Section 809 ( b ). Attached are the letters I sent along with my updated identity theft FTC report.
Product: Debt collection

Receivied phone call ( XXXX ) XXXX True Accord. 
I do not owe anyone any thing.
Product: Debt collection

I made a complaint 2 weeks ago with you and the company responded and said I needed to give my Declaration page and I did and they still haven't removed it from my credit reports they are still trying to collect a debt not owed, they keep telling me that what I gave them wasn't my Declaration page and my insurance company said it is. I am getting tired going back and forth with these people they have progressive and XXXX and I owe neither one i want this resolved before I sue the company
Product: Credit card or prepaid card

For several years, I have had a credit account with Paypal Credit. In XXXX, 2019, Synchrony Bank bought out the company who provided credit for Paypal. It has been a real mess since they bought the other company out. 
I have been current with Paypal Credit since I got the account. I have made the following payments since Paypal Credit since XXXX. I am providing this info based on the fact that I was current when Synchrony Bank took over ... These are the dates and amounts of the following amounts debiting my bank account for payment to Paypal Credit. 
XX/XX/2019 {$300.00} XX/XX/2019 {$400.00} XX/XX/2019 {$300.00} XX/XX/2019 {$250.00} XX/XX/2019 {$250.00} XX/XX/2019 {$200.00} XX/XX/2019 {$250.00} XX/XX/2019 {$120.00} In XXXX, Synchrony requested a second payment for the month because they decided to change the payment date to a different date in XXXX. As you can see, I had already paid them {$300.00} that month. I called them to dispute it with them, and they informed me that I would have to honor their new payment date. I live on Social Security, so that was not a realistic solution for me. In addition, I informed them that as of XX/XX/2019, I had lost everything that I own in flood waters ( the Nebraska Missouri River Flood of 2019 ). It was a declared Natural Disaster. I had been told by my bank that they are required to freeze payments and interest for 6 months following a natural disaster ( that is declared and signed by the president ). Synchrony Bank did not do this. I continued to pay them anyway. However, they have never resolved a problem. 
It might be noted that I do have another account that they manage for Walmart Credit. It is in default because the account was used by a family member without my authorization. I do not have the money to pay on the account, and my family member has said that they will begin to make payments. Every time I call, Synchrony tries to collect on that debt, and they will not work out the problems on this account, which has ALWAYS been current.
Product: Debt collection

I have repletely asked this company to stop using threating tactics. I have already told them I never opened an account online and they are harassing my friends/family, calling non-stop at my job, leaving me voicemails in which comes thru my company email, and besides threating calls that I getting arrested and I have a court date. When asked for more the details repeating I am not the correct party they just continue to harassing me.
Product: Credit reporting or other personal consumer reports

I am demanding written proof of me as the original creditor giving you consent to furnish this negative account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report without my consent and refusal to remove this account is now consisted to willful noncompliance with the FCRA laws. This is defamation of character.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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: Debt collection

My XX/XX/2019 statement requested a minimum payment of {$250.00}. Which I paid. Discover then charged me {$260.00} in interest for that month. How can they not apply any part of my payment towards my bill? Is that legal. I have good credit. XXXX according to discover, can they just keep raising my interest fees for no reason. I have never had a late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$56000.00} - Charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. TX XXXX. Phone number is disconnected XXXX has placed a collection on my credit profile and removed it from my profile two times and placed it back again after it has been ran as a charge off. This account is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE XXXX Cancellation Of XXXX XXXX. This Account is is Inaccurate And Has To Be Removed