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

on XX/XX/XXXX a {$21000.00} deposite of a settlement for ss disibility to my account, On XX/XX/2024 I went to a atm to withdraw money and the atm would not give me but XXXX and i needed more to purchase a car, I called chime who is partnered with XXXX XXXX  and XXXX XXXX  which are both insured by the fdic, a customer service agent answered the call and i explained that i needed to withdraw more than the XXXX dollars, she transfered me to someone who said his name was XXXX XXXX, XXXX # XXXX XXXX, I explained my situtation to him and he said he could fix it where i could withdraw XXXX but the process would take XXXX hrs when i went back to withdraw my money my account balance is XXXX, I called the bank and filed a dispute, It was devided into XXXX tickets # XXXX for XXXX, # XXXX for XXXX, # XXXX for XXXX, XX/XX/XXXX i got a credit for XXXX, a couple of weeks later i got a credit for XXXX. the # XXXX was denied, and i have tried endiessly to get my money back, without any luck, Chime is the XXXX who was allowed someone to hack my account, they should be made to repy with interest, they caused me many haedships and they should be held responsible.
Product: Mortgage

Wells Fargo is refusing to drop PMI. In their response letter they stated, " A new appraisal will not be taken into consideration '' and " the original amortization schedule will be used. '' I feel this is unfair and deceptive. I was under the understanding that once my loan-to-value reached 78 % and or 5 years of on time mortgage payments I would qualify to have this extra charge removed. 

I have never missed a payment, nor been late. I have an impeccable history of payments and want help fighting the removal of PMI. 

To add, my loan is a FHA loan and refinancing is not an option at this time.
Product: Bank account or service

THIS IS THE SECOND TIME WITHIN A FEW WEEKS THAT I AM FILING A COMPLAINT AGAINST CITIBANK RELATED TO AVAILABILITY OF FUNDS. 
There are two issues that happened today : 1. Citibank refused to give me a cash advance from a Citibank brand 's Sears Card because I was missing my New York State Driver 's License with me even though I am a customer of the bank and have been in the branch where I tried to do this at least 20 times. They would NOT accept any other form of id and knew that my account might become overdrawn without this cash advance where they could charge return item fees as well as have me incur fees from the payees of these items which could result in fees of over {$60.00} per item. They know that my checking account has a XXXX balance because of issue no 2 below. I even had them contact the executive response unit that dealt with the CFPB complaint I filed a few weeks ago and they would n't relent on this issue. I WANT TO KNOW IF THERE IS ANY FEDERAL REGULATION OR GUIDANCE ON THIS MATTER FROM EITHER THE CFPB OR THE COMPTROLLER OF THE CURRENCY OR THE FE4DERAL RESERVE OR ANY OTHER STATE OR FEDERAL AGENCY. 
2. A merchant XXXX near the town I live in XXXX NY charged a debit card for my wife this morning XX/XX/XXXX even though I asked them to use a different card which brought my available balance to XXXX. The merchant agreed to reverse the transaction and put the charges on a different card but Citibank refused to release the funds even after confirming with the merchant that the charges were being reversed. In the past when I had this problem Citibank cooperated in doing this but now claims some rule of Mastercard effective XX/XX/XXXX does n't allow them to do this. This is putting me in the same situation of having items returned for insuffcient funds. I WANT TO KNOW IF THERE IS ANY FEDERAL REGULATIONS OR GUIDANCE ON THIS MATTER FROM THE CFPB, COMPTROLLER OF THE CURRENCY, FEDERAL RESERVE OR ANY OTHER STATE OR FEDERAL AGENCY.
Product: Debt collection

I sent a debt validation letter to Transworld Systems , Inc requesting to verify two debts in the amounts of {$450.00} and {$63.00} that do not belong to me on XX/XX/2020 and the company has failed to validate my debt. Instead they sent a list of my medical records on XX/XX/2020 which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information.
Product: Vehicle loan or lease

They keep changing the price on the vehicle through the credit agency all three the credit report has changed the number that I owe on the vehicle its been going on since 2019 and still changing what I owe on that car I put 5 motors in that vehicle they refused to pick it up last month I owed XXXX  on one credit report this month it's over XXXX on one credit report the other one it's over XXXX and the same on the other one XXXX they keep jacking up the price of this vehicle that I don't have they are the ones refused to pick it up I even told them about the motors in this vehicle too it should be against the law for them to have jacked up the price on this vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again.
Product: Credit card or prepaid card

On XXXX, I was checking out online with XXXX XXXX. I was buying a computer for {$1500.00}. I chose PayPal. At that time I was offered 24 month XXXX XXXX. I was denied. I needed the computer so I placed it on my PayPal Credit account which is 6 months interest free. Later that day I received a letter from XXXX C/O Paypal, stating the reason I was denied was for Non-sufficient funds returns on your PayPal account. I have never had an NSF charge to any account in the past 25 years. I've talked to XXXX XXXX, XXXX XXXX, Paypal Credit and Paypal to no avale. I didn't even know I had a PayPal account. I've always used PayPal Credit. After over 2 hours and being transfered 8 different times, I needed help. I don't care that I have to pay this off in 6 months with PayPal Credit, I want to know when, if at all, this NSF returns happened but NO One can find it. So Someone is putting out false information. What happens if I need to purchase something and spread out the payment, I'll get denied and won't know what for. I need this fixed.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX.
Product: Credit reporting or other personal consumer reports

There are inaccurate account information on my reports that do NOT match with my records or with other consumer reporting agencies thus proving the inaccuracy. See attached exhibits. The XXXX [ Account # XXXX ] has a payment status inaccuracy where XXXX agency is reporting 120 days late and another 150 days late while also having unmatching monthly payment status. See XXXX  exhibit attached below. Next is the XXXX XXXX XXXX Account # XXXX ] is showing not a single late payment on Experian which matches my records but XXXX and XXXX XXXX reporting monthly 30 day lates which does NOT match my records.
Product: Student loan

I think it was XXXX I was told by my school XXXX to get private loans to pay for my classes. they took all the money for the hole course! the school did not offer any help at all and did not finish the first class. The school told me I had to pay for the class again as I had no more money I had to drop the course. The school did not refund the moneys back to the private loan provider and I am still paying for something I did not receive. And I am still paying today XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over XXXX days and I havent received any investigation results.
Product: Debt collection

TAVCO CREDIT SERVICES - sent account to collections with no attempt to contact us regarding payment. They claim that legally they were not able to call or sent letters to us because we live in Oregon and the emergency room imaging was done in California ( on XX/XX/XXXX ). Never knew about account until a credit check was ran, and found that this was in collections. Has lowered credit score by 200 point! Immediately called the company and paid the amount due of {$510.00}, paid in full on XX/XX/XXXX. Would like this completely removed from our credit history due to lack of communication from Tavco.
Product: Money transfer, virtual currency, or money service

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

They are claiming that I had taken out a loan with them via check approximately on the date of XX/XX/2021. The simple truth of the matter is, I was not even in the location, that they claim that I was in, due to a rodent infestation. I never had dealt with them before, didn't know who they are now, until they started calling me XXXX times a day. They call at dinner time, morning time, and at any point in between. All of this is in violation of the federal fair debt collection practices act, as well as the Texas debt collection practices act. They do this, despite me having informed them that I'm an attorney, and am asking for evidence of this. Moreover, they continue to contact me after they know that they have spoken to my attorney. Indeed, they continue to call me, after I have said that I am invoking the federal fair debt collection practices Act requirement that they validate the debt, which they have not done. 

They call me at all hours and multiple times and they are violating state and federal law. I feel this is now necessary to report.
Product: Credit reporting or other personal consumer reports

The inquiries on my report are not related to me, and I have no association with the named creditors.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX D.O.B. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to dispute the information that appears on my credit report, which was recently obtained from your agency. This erroneous information is negatively affecting my creditworthiness and financial well-being. I assert that the reporting of this information may be in violation of several federal laws and statutes. I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to rectify the inaccuracies on my credit report.

I have identified the following issues with the information reported on my credit report : 1. The information reported on my credit report is inaccurate and does not reflect my true financial status.

2. The information reported on my credit report is incomplete and fails to provide a full and accurate picture of my credit history.

3. I have reason to believe that certain information reported on my credit report can not be verified or substantiated by the credit reporting agency.

I request that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a written explanation of the results.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 printed my consumer reports for Transunion, XXXX, and XXXX. After reviewing all XXXX reports I noticed there are several inaccuracies on the report. I reached out to each of the credit reporting agencies to give my instructions on the corrections I demand to be made. They have refused to follow my instructions in Pursuant 15 USC 1681b ( a ) ( 2 ) written instructions of the consumer to whom it relates and this is a direct violation. Not only are you impersonating a bureau in which you assumed the role. You also have taken over my report and allowed any and every company to do whatever without consulting me at all. Are you doing business with these companies in order to ruin my credit or reputation? Are they paying you to place fraudulent information on my report? Remove hard inquiry XXXX XX/XX/2022, PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, NC XXXX, Remove Account # XXXX and Account # XXXX. Correct the late payments on every XXXX XXXX and XXXX account on my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request investigation into XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report that were caused by identity fraud. Despite my submission of ID Therft Affidavit, XXXX consistently responds stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. whch mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). 

The following are the inaccurate accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

creditor has reported false late payments. secondly, them releasing that info is a violation of my rights anyways
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX Account # XXXX 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
Product: Checking or savings account

I purchased a 7 month {$1000.00} CD at 4 % interest compounded daily on  XX/XX/XXXX  from   XXXX     XXXX   XXXX . Account or  XXXX  number :  XXXX . I never redeemed the CD expecting that it would continue to collect interest, even if adjusted. About  10 to 14 wee ks ago I called Fifth Third (  5/3 ) B ank who purchased   XXXX   XXXX   XXXX   some years ago about redeeming it. Several times I have been promised return calls from both the Corporate office and local branch but they never have kept their promises. I call back and they tell me it will take a week or so to research the matter of providing proof it was redeemed and try to dissuade me by saying it might cost me a lot of money for them to do that. I tell them to do the research. Then they say they may have deleted or purged the information.I do not believe I ever received any form of payment for the CD. It was purchased as a gift for my son and he kept saying he would let me know when to cash it in and give him the money. He waited until recently to ask me about it as our family is planning a  XXXX  vacation this Fall and he always intended to use it for travel. After several calls to the branch ( phone :  XXXX  ) I spoke to  XXXX  a t Fifth Third Corporate  on  XXXX / XXXX / XXXX  ;  XXXX  #  XXXX . Any assistance you can provide me would be greatly appreciated. I know my CPA tells me I have to keep my tax and business records indefinitely. I would think the banking industry would be have at least the same requirements as a small business owner would. Thank You Again,  XXXX   XXXX   XXXX
Product: Prepaid card

On XX/XX/2024 and XX/XX/2024 a total of {$820.00} dollars was taken from my account without my approval or knowledge. I call Bluebird by American Express on XXXX XXXX to inform them of this. They confirmed the transactions I was referencing and they issued me a new debit card and said they would be investigating these charges and would get back to me with further information. On XX/XX/2024, I received an email from bluebird requesting that I fill out and return a declaration of fraud form which I returned via email on XX/XX/2024. I did not hear anything further from them until XX/XX/2024 in which I was informed by email that my dispute had been declined.
Product: Credit reporting or other personal consumer reports

Experian will not allow you to speak with a live agent. I am trying to remove a fraud alert from my credit file. I need a form from Experian in order to process the removal. I can't access the form online so I need to speak with an agent. They will not allow you to speak with an agent at all.
Product: Debt collection

Security Credit Service Orginal creditor : XXXX XXXX : BALANCE {$2600.00} XXXX XXXX XXXX ; Orginal Creditor : XXXX : Balance {$250.00} I am victim of identity theft, the information listed above, which appears on my credit report, does not not relate to any transactions that I have made. it is a result of identity theft. I did open another FRAUD INVESTIGATON CLAIM with XXXX, XXXX and XXXX for immeditlay removal. Addtional to that, all three credit bureaus has a previous police report on file and idenity theft report from previous fraud collections that was on my credit reports once before. ( please protect my identiy )
Product: Credit reporting or other personal consumer reports

These Credit Reporting Companies : EQUIFAX, XXXX, XXXX, are reporting inquires that I did not authorize nor give my permission to anyone to run my credit. Here is a list of the inquiries. 

1. XXXX  XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - ( XX/XX/XXXX ) ( XX/XX/XXXX ) 3. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX I have also filed a fraud report with the FEDERAL TRADE COMMISSION my Report Number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of the listed inquiries below and request that they all be Deleted from all three credit reporting agencies. Thank You. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 XXXX
Product: Checking or savings account

On XX/XX/2022, TD Bank allowed {$320.00} to be taken directly out of my bank account although I do not currently have an account with XXXX and have not over the past year. XXXX XXXXXXXX  has not provided me with any products or services to allow this withdrawal. I have tried multiple times to resolve this, with XXXX  representatives assuring me I would receive a refund. However, each time, representatives continue to push back the refund date and do not provide any substantive help, even providing fake names. This money was not only my entire paycheck for two weeks, but also over-drafted my account by $ XXXX. I contacted TD Bank as I filed for fraud when this unauthorized withdrawal occurred and they refunded me. However, on XX/XX/2022 the bank withdrew a reverse provisional credit from my account without my permission and left me with an overdraft amount. When I contacted the financial institution, they responded by telling me the only thing they can do is file a dispute which they stated will not be approved. I have still not received a refund from either TD bank or XXXX XXXX. TD bank took my money and gave it to a company without my authorization. As a result, I can not pay my bills or even afford adequate food for my family. I am a single mother and this income is essential so I can care for my daughter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am the natural person and consumer identified under the FDCPA and FCRA. It has come to my attention that my right to privacy as a private individual, as outlined in Title 15 U.S.C 1681 ( a ) ( 4 ), has been repeatedly violated. I want to emphasize that I have never provided written permission, as stated in Title 15 U.S.C 1681 b ( 2 ), for any of these transactions to be posted. Furthermore, my credit card, defined in Title 15 U.S.C 1602, has been utilized without my written consent.

According to Title 15 U.S.C 1681s, it is your responsibility to enforce administrative actions. I must point out that the minor companies, namely XXXX, XXXX, and Experian, are liable, as per Title 15 1681 2 ( b ), for their failure to make sufficient efforts to maintain accurate information. Due to the inaccurate information present on my consumer report, I have filed an identity theft report with the FTC. You have 4 days to remove these inaccurate accounts after filing identity theft report pursuant to 15 U.S.C 1681 c-2 ( e ). Proof of identity has been attached also. Along with FTC affidavit. 


I am writing to urgently request the immediate removal of the following accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore  XXXX I wish to remove the following inaccurate collections on my consumer report : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX I kindly request your immediate attention and resolution of these matters. 

Sincerely XXXX XXXX