23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This involves two different issues that I need solved in the next four days ( byXX/XX/XXXX ), otherwise I will have to escalate this even further.

I was previously given a Dividend card sometime in XX/XX/XXXX, and a few weeks ago (XX/XX/XXXX) I was approved for a ThankYou Premier Card. I have attempted to have both of them shipped to me successfully ( a basic thing ) and both have been misdelivered or lost in the mail, the first ( Dividend ) somewhere between three and five times now over the course of seven months, and the Premier sometime over the last week.

I needed the Dividend for a relevant purchase over six months ago and have still been waiting for it to arrive. I was told by one representative that it was " already sent, '' but it never arrived, then told by another that it was returned as undeliverable ( that would be Citi 's issue, not mine, as I have a correct address listed ), and by another after several attempts to have it sent that it " was sent over a week ago '' ( when it had been sent several months prior ) but that a new card would be expedited to my address at the time and " arrive [ within two days ] '' ( two weeks later and it still has not shown up ).

The Premier card was supposed to have arrived over a week ago, and is needed byXX/XX/XXXX for a relevant major purchase, but has not shown up.

I have moved from the address I previously listed and will be moving again shortly, so I need it delivered tomorrow ( Saturday XX/XX/XXXX ) or Tuesday ( XX/XX/XXXX ) -- no exceptions. The address it must be delivered to is NOT the following, as I have moved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX but is the following : XXXX XXXX XXXX XXXX XXXX OR XXXX I am moving again onXX/XX/XXXXso both cards absolutely must be delivered by XX/XX/XXXX ( doable through overnight or same-day express delivery ). Again, they must be delivered to the following address : XXXX XXXX XXXX XXXX XXXX OR XXXX I did not want to use the CFPB to accomplish such a basic task as receiving credit cards after seven months, but I have continuously been told false things or downright ignored in every other method of contact ( phone, email, online forms, etc ). I even called a few minutes ago and as soon as I explained my situation, the rep went completely silent and did not respond.

I do not have my card numbers ( as the cards have never arrived ), so the only identification information I can give you are the two addresses listed above, my name ( XXXX XXXX ), and my online user ID ( XXXX ). That should be sufficient, however.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three agencies ( XXXX, XXXX, and TransUnion ), are reporting inaccurate information on my reporting accounts that I disputed and mailed on XX/XX/2023, and in pursuant to FDCPA & FCRA Section 15 USC 1681 ( a ) ( b ) USC 6802 ( b ). I want these inaccurate accounts deleted immediately from my reports. 2 Collections ( XXXX XXXX XXXX XXXX XXXX XXXX ), 2 Closed accounts of XXXX XXXX XXXX XXXX
Product: Student loan

I discussed having my name taken off my grandaughter 's student loan. The full amount of her two loans was {$21000.00}. I was told that if I paid {$5400.00}, my name would be removed from the loans. This was the latest offer as of XX/XX/XXXX. 
I then asked if that would leave the balance of the loans at the difference of the two amounts and was told : no, the full amount of {$21000.00} would still be owed by my grandaughter. She would be responsible for the full amount even though I had paid the {$5400.00}. 
There is something definitely wrong here. I had been having {$110.00} per month automatically deducted from my checking account for years, but have put a stop payment to Navient for that amount which is effective until XX/XX/XXXX. 
The above offer was only available until XX/XX/XXXX. 
I may be wrong but I think this is fraud. If I made the smaller payment, only the balance of the loan should be due, not the full amount. 
They also continue to call via automated phone calls after XXXX XXXX very frequently. 
I have been dealing with them for some time now and find them arrogant, rude and totally annoying. You are shifted to several different people in the course of a conversation with them. It is very upsetting and aggravating. I do not like this company at all.
Product: Checking or savings account

Currently have an account with JPMorgan Chase Bank , N.A . and someone has been able to withdraw or change account balance and I've had to call bank to try get bal. adjusted because it wasn't correct and it's always been forigen person answer phone. 
I've never added anyone to my account but the bank current is now stating throw automative system " I have limited access to my checking account '' ; which nobody else should have access and I do not have graudian or conservator ( not married ). But identified money missing out checking account. Chase also stop my online banking and said I didn't respond to email. 
But, I do not necessarily trust cellphone to conduct business from because of previous issues with calling and getting forigen person answering or someone answer call and hangup quickly, like someone using my cellphone other than myself. 
I could hear neighbor conversation across street when checking balance from cellphone and saying we rich and I can take a XXXX. Do not know neighbors, not sure I could hear that conversation via my phone or them know my checking balance ( not sure if phone has illegally be colon, but someone illegal used my checking account and observe neighbors taking XXXX ). 

Also, mail carrier has been delivering mail, depending on carrier to wrong address and I haven't received statements such as checking, utility statement and address deliberately change in websites to next door neighbors..which is fraud. See attachment and where mail has gone and to other neighbors home, my home is the XXXX XXXX XXXX XXXX  XXXX.
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, IC SYSTEMS. I did not open or authorize the accounts that you report a balance of {$400.00}. This fraud account was not opened by or used by me. I've never had an obligation to you or the medical companies you represent. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to any medical physician, office, or affiliate to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me. Still, anything more is only to be revealed with the patients authorization and I have never given permission to any physician. However, please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Product: Debt collection

I keep receiving garnishment requests from a company called Glasser and Glasser in XXXX, Virginia for a total of {$2300.00}. The original judgement they obtained without my knowledge is over 10 years old and past the statue of limitations as indicated by statute 801-251 section c, and I also believe they are in violation of the FDCPA and FCRA. They call me when I have asked them not to, I started blocking numbers on my cell phone. When trying to resolve and explain the issue directly with them, they laughed at me over the phone and told me 'good luck with that, we are reporting it on your credit next ', and hung up the phone. I appeared in court in XX/XX/XXXX, and their attorney present told me to contact them or they will just keep taking me to court but they were going to dismiss the case because the garnishee said they will not pay. I tried to explain the situation then to the attorney but he did not want to listen that he is possibly representing a company that is breaking at least one and possibly three laws and we should just drop this completely. Now, I am request to appear in court again for the same thing in XX/XX/XXXX, under the same garnishee and everything else all over again. I tried to request they provide proof from the original furnisher of the debt they claim I owe and they again told me they do not have to, and will not prove anything to me and they will continue to just take me to court and inconvenience me until I pay them. Their words, not mine.
Product: Credit reporting or other personal consumer reports

After Reviewing the credit file copy that you sent I have recognize multiple errors on my personal information So i will like for you to remove everything and update the only thing that should be reporting is My name - XXXX XXXX XXXX My address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX I wish to opt out of reporting my work place as it is a private company and dont want to be seen.
Product: Debt or credit management

In 2021 I had 3 negatives as of today I have dealt with 17 plus negatives I on a weekly woukd call in explaining the negatives were again placed back on my credit that was taken off just gave the run a rounds of promises to repair my credit score had went down XXXX plus points since dealing with Lexington Law and foreign collections were placed on my account I did everything to help them understand to fix they always acted like they were gon na help but just telling me more money woukd help better results I refused to upgrade my monthly fee I was never given information of the whys or anyone to help me upon suggestions so I did a review with XXXX and on today I called in to push my help to help my repair from XXXX only to be told because if my review my case was canceled I have the screenshots if that conversation I was told I could only chat to someone not speak over the phone so I do to find out because of my review with XXXX Lexington canceled me as a customer I want all monies back
Product: Debt collection

Respect CFPB Official, I have attempted to resolve the outstanding phone bill issue will XXXX XXXX and their assigned debt collector, Valor Intelligent Processing VIP, but to no avail. Please allow me to elaborate as to why the debt being attributed to me is not valid : 1 ) I was hospitalized overseas following an accident which caused a XXXX XXXX XXXX and required a XXXX XXXX ( XX/XX/XXXX ) and 8 months of rehabilitation. I only recently returned to the United States on XX/XX/XXXX. My last contact was with XXXX was sometime around XX/XX/XXXX when I was in the XXXX  since I was informed by my Doctor that I was not allowed to travel and will require XXXX and a XXXX XXXX to recovery. The agent I had spoken to was a call center agent based out of the XXXX and I was assured of the following two things : a ) My Ex-partner, XXXX XXXX XXXX and owner of phone number XXXX will be removed from my account which initially had two phone numbers attributed to it, mine- XXXX and my Ex-partner XXXX XXXX XXXX XXXX ; b ) My account will be placed on medical suspension due to being hospitalized overseas. 

Assuming the above to be true, I focused on my recovery and was unaware that the XXXX had failed to follow through on the simple request to suspend the account and remove the additional user. To elaborate on this further, and if my memory serves me right, XXXX had actually reached out and confirmed that I agree to the removal of the second account before they put my account in suspension. This can further be confirmed by looking at the usage records after XX/XX/XXXX. In support of the above, I am attaching herein medical documentation to this e-mail ; 2 ) My XXXX, XXXX XXXX XXXX, is the owner of XXXX and the account to which an XXXX XXXX XXXX XXXX is XXXX to i.e. the device in question in this collections notice. We did share the XXXX account but the account was distinctively broken down for two lines, mine- XXXX and XXXX XXXX XXXX, as such, the phones attributed to each account are also distinctively noted on the account. I have had no contact with XXXX XXXX since XX/XX/XXXX and she should be contacted to receive payment on the device in question. 

Thank you. 

XXXX
Product: Checking or savings account

XXXX XXXX  XXXX, where I hold two checking accounts, charges a {$15.00} fee for excessive transfers. When I opened my accounts, I transferred money BETWEEN these two accounts and learned of these fees the hard way. The bank explained, and refunded them, however the local banker and the phone bankers differed in the amount I was allowed to make ( one said 3, the other said 7 ). Ok so lesson learned, right? 
Apparently they also consider PURCHASES MADE VIA XXXX as the very same kind of " transfer ''! This was not only something unknown to me, but I didnt realize this until they charged me FOUR MORE TIMES - {$15.00} EACH - for what I discovered were my XXXX transactions as I had drastically reduced my transfers after the limit was explained. 
Again - I made TRANSFERS and was charged these fees, then they were refunded. 
I did not know a XXXX purchase/payment was considered the same. Nothing anywhere said that. 
This is the summary, however it has now been three months since Ive requested a refund ( and disconnected my XXXX account from them ) and they are giving me the runaround. This is unacceptable. The last contact was XX/XX/2018 when XXXX XXXX advised she needed special permission to refund the fees. 
Please remember, there was no " bargain '' here - I did not request, nor did I expect any separate service not promised to me by this bank. Their actions would be much more heinous if i were poor - but every bit as wrongful in my case. 
XXXX Note : They also charge {$3.00} a month for paper statements BY DEFAULT for new accounts - and dont give any clear instructions on how to prevent this - I had to go into the branch and be shown where to click a button to stop it - pilfering! )
Product: Debt collection

mid Michigan credit bureau XXXX, mi never sent verification billings of debt or made any valid attempt before placing bad debt on my XXXX which was the only way I knew of it in the first place,
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX XXXX I REQUEST TO 3 CREDIT BUREAU investigation regarding inaccurate/erroneous, On XXXX XXXX agency sent a letter stating that you had completed your investigation and the items were not deleted, This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect, This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by their agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/2019 AND XX/XX/2019. 
I ask the credit bureau for their investigation of my dispute. I tell them reply within 15 days or delete the negative items, as originally requested. on XX/XX/2019 I send them a letter very similar and I just received 1 responds by Transunion, ( see Copy ) and no responds by XXXX and XXXX, I have evidence by court they don't report any information to credit bureau, I request an investigation on this matter or I will have to take legal process on this situation against the credit bureaus. Thanks 1. Bankruptcy # XXXX 2. Bankruptcy # XXXX 3. CREDIT CARD CHARGEOFF # XXXX
Product: Checking or savings account

On XX/XX/XXXX Tuesday XXXX I received a call from Citi bank fraud department asking If I was trying to log in my account from XXXX which I was not so they said need to secure my account and need to verify me with one time passcode which they will sent to my phone. They had all my account info including my last 4 of my SS number. Then he asked me if I would like to be notified to my cell phone if anything like this happens in future which I said yes. Then he called me on my office number and asked to press bunch of number on my cell phone and click dismiss on displayed message to my cell phone. I didn't feel that was right so I hung up the phone and drove fast as possible to Citi bank Branch which is 10 Mins away. I notified the incident to manager and he called the Citi Fraud department at XXXX XXXX  PST I got a printout from manager for 17 wires already processed starting at XXXX. He told me our account is blocked and wire recalls done. Asked me to file police and FBI report and made an appointment at branch for XXXX XXXX  for new account. When I came back to XXXX appointment they gave 23 case number for 23 unauthorized wire for the amount {$430000.00} sent between XXXX XXXX  to XXXX : XXXX PST. 

Details- ( 1 ) 23 Wires in total of {$430000.00} were sent from Money Market account between XXXX to XXXX XXXX on XX/XX/XXXX from an account which have never sent a wire before. 

( 2 ) We been banking with Citi bank for over 15 years. We average 3 wires a month from our checking account and that needs to do E-signature verification on Citi app with 6 six number of recipient account number to send the wire. 

( 3 ) They moved a money from checking account and Line of credit to Money market account. Bank charge us 13 % + in line of credit and pays 4.5 % in Money market account. My understanding is Money market is saving account. Why would bank let transfer funds from Line of Credit to Money market account and allow the wire from money market account when we have checking account. 

( 4 ) I was in bank already to tell them about there might be fraud going with my account XXXX on XX/XX/XXXX as they were still processing the wire. Banks didnt stop/recall those wire on time. 
Citi bank wouldn't tell us how those 23 unauthorized Wires were authenticated or when was the recall sent.
Product: Debt collection

Dentist charged {$6500.00} for a XXXX XXXX that I had cancelled XXXX weeks before my appt. Symphony Bank would not hear my complaint my Lawyer wrote them they would not answer her. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Even after I kept disputing it and went to another dentist ( XXXX XXXX XXXX XXXX XXXX XXXX ) and had a XXXX XXXX made. Symphony Bank sided with the XXXX XXXX XXXX XXXXXXXX XXXX XXXX Because The dentist did not send all the money back to Symphony Bank . They keep going up in late fees and wont assist in any correspondence that has been mailed to them.
Product: Credit card or prepaid card

The Money Network Cardholder Services ( EIP ) bank that handles the stimulus payment debit cards will not provide a customer service person to speak with. After my first call when I inquired the balance of the card, I cant reach anyone in customer service by phone at the number they have provided,XXXX. No prompt is made available to connect with a person at this faceless institution.
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 Account XXXX Account Name : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file : DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

Company dishonor my exemption and refuse tender of payment according to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX International Treaty Laws, Trust Law, State And Federal Law, etc.
Product: Credit reporting or other personal consumer reports

There are multiple inquiries reporting on my XXXX & Experian credit report which i never authorized or applied for myself. i have contacted each bureau and informed them that these inquiries are a result of identity theft and have yet to hear back from either bureau and said inquiries are still being reported on my credit report. 

As per 15 U.S. Code 1681c2 of the fair credit reporting act : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

i am requesting the immediate removal of said inquiries from my XXXX & Experian Credit report in accordance with 15 U.S. Code 1681c2 of the fair credit reporting act XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> All of these inquiries stated above were not authorized by me and as such are a result of identity theft, they are still being reported on my credit reports as of XX/XX/year> & are negatively affecting me in. 

I demand these Inquiries be removed from my report immediately in accordance with 15 U.S. Code 1681c2 or i will be forced to proceed litigation against the bureaus with which they are being reported.