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

Deposited a check with citibank at there ATM on XX/XX/year> at XXXX. and now the funds are being held until the XXXX of XXXX since they say the issuer of the check is holding it, spoke to the owner of my company an he stated that on his part its all good and that the check shouldn't be held. Called citibank and the 2nd person I spoke to wouldn't give me a answer on why its being held and then put me on hold of hung-up me, called in again and asked for a supervisor and he wasn't any help at all with any information, and said that I have to call him Monday to see what they can do
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS NOT MINE *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My ex husband has used my SS number and has rang up a lot of inquiries that are NOT mine. I have had to call credit card companies and other places to get things I did not sign up for cancelled.
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Against XXXX  Regarding Withheld ACH Transfer Funds XXXX  Case Number : # XXXX. 

Dear CFPB Representative, I am writing to formally lodge a complaint against XXXX, a service operated by PayPal, regarding the improper withholding of funds totaling {$1000.00} following a returned ACH transfer from XXXX Bank. 

On XX/XX/XXXX, I initiated a transfer of {$1000.00} ( Transaction ID XXXX ) from my XXXX  account to my checking account at XXXXXXXX XXXX Unfortunately, XXXX XXXX  closed my checking account on the same day due to inactivity. 
They had mailed a letter advising of the upcoming account closure, but unfortunately, I was in XXXX for 2 months and did not see the letter until I returned on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX  returned the {$990.00} ( {$1000.00} - {$17.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has confirmed in writing that the {$990.00} was returned to XXXX  via an ACH Transfer. Despite multiple attempts to resolve this matter directly with XXXX  and providing proof of the returned ACH transfer, XXXX has been unwilling to credit the returned funds to my XXXX  account. 
In XXXX  's last email, dated XX/XX/XXXX, they even failed to acknowledge the ACH Transfer from XXXX XXXX  and instead reiterated that their transfer, dated XX/XX/XXXX, was correct. 

This failure to return the funds has resulted in financial hardship and a lack of access to my money without proper justification. I request that the CFPB investigate this matter and ensure that XXXX  promptly credits the returned funds to my account. 

I have attached all relevant documentation, including : Proof of the original transfer from XXXX. 

Correspondence with XXXX XXXX  confirming the return of funds. 

Screenshots of communication with XXXX  's customer service. 

I request your assistance in facilitating the return of my {$1000.00} and holding XXXX  accountable for the improper handling of ACH transfers. Thank you for your prompt attention to this matter.
Product: Credit reporting

I sent Equifax a dispute about unauthorized inquiries on my credit report and I asked them to provide verification that the inquiries were authorized and they responded they were verified but did not show me proof. I filed a complaint with the BBB and Equifax responded with the same response. I am asking that you force Equifax to provide their investigation documents verifying they indeed investigated this dispute. The inquiries in question are : XXXX XXXX/XXXX/XXXX 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

This is a complaint against XXXX. The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX  credit report on XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Checking or savings account

There were multiple transactions on my savings account. On XX/XX/XXXX there were three transfers to XXXXXXXX XXXX  transfer. On XX/XX/XXXX there were 4 transactions between capital on and trial cr. All these transactions were cents. On XX/XX/XXXX 3 transactions for cents - 2 were to trial cr and one was to XXXXXXXX XXXXl trial. Reported to bank vis phone on XX/XX/XXXX. Attempted to freeze accounts they said they couldnt do it over the phone. Later that day {$22000.00} was transferred to XXXX XXXX 

Also had trouble with my checkings account. On XX/XX/XXXX a fake personal check was uploaded for the amount of {$1900.00} to a XXXX XXXX. On XX/XX/XXXX a fake check for the amount of {$850.00} was cashed for a XXXX XXXX XXXX. And on XX/XX/XXXX a fake personal check for the amount of XXXX was cashed from a XXXX XXXX XXXX. All checks appear to have the same signature on the back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) 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. 
I, XXXX XXXX, Never gave the following Consumer Reporting Agencies Equifax Information Services LLC, XXXX XXXX XXXX XXXX, nor XXXX XXXX, the written instructions to furnish the information for Inquiries in the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681s2 ( 6 ) ( A ) ( B ) A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. The Credit Reporting Agencies shall be fined {$100000.00} ( Per Violation ) for non-compliance under the Gramm-Leach-Bliley Act if you fail to comply and remove the items mentioned above.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 an 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

INACCURATE INFORMATION IN MY CREDIT REPORT. ACCOUNTS : XXXX XXXX XXXX XXXX  {$27000.00} XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I received a letter titled " Notice of Default and Intent to Accelerate '' from Residential Credit Solutions , Inc . 

I disputed the alleged debt and demanded validation of it XXXX XXXX, 2015 and Residential Credit Solutions XXXX Inc. received it XX/XX/XXXX. I have since sent XXXX additional disputes and demands for validation in response to their communications attempting to collect a debt. 

To date, I have not received a single document from it establishing that I owe it or the entity it claims is the investor nor has it provided any documents confirming that the entity it claims is the original creditor made a loan to me. All of my attempts to communicate with the entity it claims is the original creditor since XX/XX/XXXX have been unsuccessful in establishing that a loan was made to me. 

Residential Credit Solutions XXXX Inc. is not a secured creditor of mine nor XXXX. Neither has the standing to seize my property, yet Residential Credit Solutions XXXX Inc. continues to threaten me with a non-judicial foreclosure. 

It continues to violate the FDCPA by continuing collection activity despite my demands for validation and its failure to provide that validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX  XXXX  Account # XXXX, XXXX  XXXX  XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2022, I contacted an individual who was advertising two soccer tickets for sale on XXXX. He provided me with his XXXX payment information ( Phone Number = XXXX, XXXX = XXXX XXXX ). 

Upon confirming he was a registered XXXX user via my Chase app, I sent two payments in the amount of {$140.00} and {$30.00}. After that, the individual did not respond to any of my follow-up text messages, nor ever send the tickets. 

I contacted my bank ( Chase ) on XX/XX/2022, and explained the situation, and requested a refund as I had obviously been defrauded, and this qualified as an unauthorized transaction according to the CFPB. However, they refused to reimburse me, even though this individual was a registered user on the Chase-owned XXXX ( making him appear as a legitimate individual which which to transact ), and my experience qualified as an unauthorized transaction. 

Thank you
Product: Mortgage

My brother, XXXX XXXX XXXX, passed away on XX/XX/2021. My brother had a long bout with XXXX before he passed away. Beginning in XXXX of 2021 I have been trying to assume his loan along with seeking mortgage assistance from the assistance department. This process has been absolutley horrific. It took Midland Mortgage 4 months to send me an assumption package, while telling me over and over and over that it had been sent. I notarized and returned the package immediately, on XX/XX/XXXX, have called multiple times to confirm that they had all the documents they requested only to have them request the same documents over and over. I have sent his death certificate so many times that it is at the point that another request of this is inhumane and borders abuse. The same has happened with the Assistance Department. I have sent all the documents requested, have been told that my file is complete over and over, even in writing only for Midland to kick my file out for not being complete and place the property in foreclosure. I have been proactive, calling several times a week to make sure that my application and assumption is on track. I have been told that it is only for someone else to kick out my file and request all the same documents over and over again. This needs to be resolved and regardless of all my efforts Midland Mortgage has still be unable to make this happen. It's absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a XXXX XXXX XXXX  registered under my name as I was paying for my license online. I immediately cancelled the registration. I immediately filed a police report for identity theft and contacted XXXX in XXXX. I also recently located the vehicle at a family members house and made a stolen vehicle report.
Product: Credit reporting or other personal consumer reports

The website says there not connected and when I call I told to call after XXXX In California Im in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, XX/XX/22 and XX/XX/22 I asked the credit bureau to investigate items that I believed weren't reporting information at 100 percent accuracy. As of now, I haven't received any notices from them stating that the accounts are in investigation. In my letters to the bureau I listed my reasons for disputing the information as far as incorrect amounts, dates and statuses of the accounts.
Product: Debt collection

Portfolio Recovery called to say they would accept payment for unknown debt. Said if I gave them my bank info it would be removed from credit agencies. I asked for a statement in the mail. They declined and said they can not send any info. Agent said this was hurting my credit score. After the phone call, I pulled all three credit reporting agencies and there is no such debt due. It was too old to be on my report. Is roughly 10 or more years old. I sent a cease and desist letter via USPS Certified and Return Receipt. Letter was signed for and postcard returned to me. They are STILL calling me. I do not answer and they leave no messages.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 mentions a consumer reporting agency can not furnish an 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which is what has occured on my credit report. I fear that Federal law has been broken, and that my rights as an American citizen have been violated as no physical verification of the original signed contract has been presented for any of the following accounts on my credit report : - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX   XXXX - XXXX - XXXX  - XXXX - Through The Country Do - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX
Product: Checking or savings account

Goldman Sachs Bank, doing business as " Marcus by Goldman Sachs, '' denies me access to the {$15000.00} I deposited into my new certificate of deposit. I opened this CD on XX/XX/2020. The next day, I endorsed and mailed a {$15000.00} check to the Illinois mailing address specified in the Account Agreement. That check CLEARED on XX/XX/2020. When the funds had not showed up my new CD by XX/XX/2020, I contacted Goldman Sachs Bank. It denied having received the check. I continued to contact Goldman Sachs Bank over the past 2 weeks, but it still denies having received the check and still has not credited my account. The cleared check demonstrates Goldman Sachs Bank has misappropriated my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have disputed this TOYOTA MOTOR CREDIT and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for XXXX as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account status is wrong and should be correct. Now, I want you to remove this misinformation on my file TOYOTA MTR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This will appear to be a duplicate but CFPB it is Not. I am adding additional documentation in support and verbiage below. CFPB you can mark the complaint XXXX as a duplicate and close that one submitted to Experian on XXXX XX/XX/2020. 

I am submitting this through CFPB so that I can upload my documentation for my new address Effective XXXX XX/XX/2020. I am submitting my utility bill reflecting the current address, also my government ID. I am in the process of selling my vehicle thus will not be in need of a DL. I have provided a government ID nor will be getting one ( of which was permissible in the past by Experian ). All I can do is provide my IL DL - to show you who I am but the address is not correct. Please update this address. I no longer live in the XXXX XXXX XXXX  I have also provided a copy of my current report and profile address data. Also, today, I received another document of which further proves where I live otherwise I would not be in procession of it from Experian. My address is updated with CFPB and on the Experian website. I would prefer to do all of this through the site but it is not working and has not been for some time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting as of XX/XX/2022 I am in default and past due which is NOT accurate at all. My loans with my servicer are PERFECT. Equifax is the only credit bureau making this mistake and I need help ASAP. I have tried to reach someone at their office and I can't even get anyone on the phone. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquires i did not authorize creditors will not remove when asked
Product: Vehicle loan or lease

Due to covid i was out of work for some time so i did ask for extension on my loan. As of right now my maturity date has come and Im still paying in this car. I called this company numerous of times to ask them for a a copy of the original lease and i have yet to receive it. One minute the company tells me Im paying until the loan is over then another person tells me to trade the car in. I tried to tease the car in but this company is reporting to the credit bureau as it being late but Im still making my payments on time. One person from Exeter finance says as long as Im paying on the car it wont go into repossession another pardon tells me thats a lie bc it will. At this point i think this company is trying to scam me bc they really will not let me keep paying on the car and they keep reporting it as it being late but i made payments on it
Product: Credit card

I paid my bill in full of {$2000.00} on XXXX 2016 by deducting from checking account that included any and all purchases, cash advances in advance. DISCOVER took all payments and processed timely. The acceptance of payments and processing is [ willful agreement ] sufficient and substantiates remittance in full by DISCOVER closing my account after receipt of payments. 

DISCOVER repeatedly and persistently engaging or intentionally in harassing, harassment or harassing behavior against me to date. The communicating through electronic emails [ automated ], phone calls, third party collection agencies and or Reporting false or misleading information, to Consumer reporting agencies outdated and negative or erroneous information about previous business transactions IS CUURENT is " gross fabrication. These and other insidious and unfair business practices is retaliatory action and discriminatory in its applications.DISCOVER repeatedly and persistently engaging or intentionally in harassing, harassment or harassing behavior against me to date by automating system for collection in violation of my constitutional and fundamental rights.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I went to XXXX  and did get released until XX/XX/2022 during my incarnation netspend allowed an unauthorized person to access my account deactivate my debit card and then issue TO THE FRAUDSTER ANOTHER CARD. They then accessed {$2000.00} of my arpa money issued by my tribe. When I got out of jail I called my card to Chek my balance only to learn the XXXX was gone so from there I started a dispute and was denied because netspend said I benefited from the money that was in my account. Like I told netspend there were only XXXX people who put money on my books and I told them who they were. I also stated that if I did benefit from any money then I would only dispute the money I didn't benefit from and still yet they still deny me I have proof of my incarnation as well