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

On XXXX XXXX I was scammed money out of my banking account. When I called my bank, they said my money will be refunded if I didn't make the transactions. Chase reimbursed me money and then took it back from me. Chase told me to get a copy of my police report and I did that and I got a lawyer just in case for legal purposes to cover my end. Over {$3000.00} was taken from me. Chase told me that my money was not coming back to me, stating that the investigation was closed and the supervisor told me to move on I was not getting it back at all. when i tried calling the establishment where my card was used at each manager told me a detective would have to come and get video of the person who use my card
Product: Credit reporting, credit repair services, or other personal consumer reports

Richcard Saint-Albord XXXX XXXX XXXX XXXX PA XXXX 15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 

XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to 15 USC 1681n, also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission.

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES
Product: Credit card

On XXXX XXXX, 2015 I received an email from kohls.com about an order made for {$100.00} e-giftcard. The email showed my information along with the email where the e-gift card email went to. I never placed this order. The company was closed and I called early the next day. I spoke to XXXX in the fraud dept was able to zero out the e-gift card but was unable to clear my credit card for the {$100.00} charge. My case number is XXXX. They refuse to reverse the charge for the fraudulent charge. I have made numerous calls with no luck. I am being told that I have to wait for the investigation and for them to come to a conclusion to what happened. In the meantime I will be billed for this bogus charge.
Product: Debt collection

In my credit an account appeared in collection from XXXX and that is being charged by the agency SOUTHWEST CREDIT SYSTEMS ". 

I contacted the agency on XX/XX/2022, to find out about this " debt '' and the person who assisted me was not able to find an account with my name in the system, the person made several searches using my first and last name, my phone number and my personal address but was not able to find a collection account under my name. 

I asked this person for information on why there is a fake account under my name and they hung up the phone on me. I made several more calls and the person kept hanging up the phone.
Product: Debt collection

My friend of 21 years passed XXXX/XXXX/15. I sent all creditors a copy of her death certificate and a letter explaining there was no estate nor spouse. I have continued to receive letters from XXXX XXXX. They have now referred the account to collections and have taken my address off the death certificate to send bills to my friend. I am sure if you have to bury one of your friends you do not want a creditor to take your address off the death certificate and continually send collection notices. I even have written on the envelop of the XXXX bill DECEASED. but they are relentless. please help me!
Product: Credit card

My Chase : Marriott XXXX XXXX Credit Card is not transferring earned points and promotional points over to my Marriott XXXX Rewards account. I have been given the run around and without consistent support and resolution : I have re-confirmed my Marriott XXXX Rewards account too many times to count ; Chase customer service reps have deleted and re-entered the information and that did not help ; I have uninstalled the app and reinstalled the app per instruction of Chase staff and that did not help ; I have been told to wait until the end of the billing statement and then XXXX business days, I did that and that was unsuccessful ; I have been re-routed to Marriott XXXX Rewards account-they rerouted me back to Chase- ; BUT the kicker is that my points are not in my account anymore and we have NO IDEA where they are and NO one has been helpful or WILLING TO HELP ; I am due for travel the end of the month and wanted to use my points, which are now missing and NO one in the company being willing to help. 



I have requested tech support ( not successful ) ; I have requested a ticket to be lodged for internal investigation ( not successful ) I have spoken with XXXX supervisors ( no resolution and inconsistent information ).
Product: Checking or savings account

I opened a checking and savings account with a promotional offer to get {$400.00} within 90 days of meeting the requirements ( having {$15000.00} deposited for 60 days ). I contacted them on XX/XX/XXXX once 90 days passed and they did bonus would post that day. On XX/XX/XXXX they aknowledge they problem and created a case number. They said I would receive a letter in 7-10 days. I never received a letter. I called again today XX/XX/2019 and was  told that 90 days from XX/XX/XXXX would be XX/XX/XXXX and the bonus would be awarded then. Thats 120 days and another lie from them. When asking to speak to a supervisor I was told you can if you can wait long enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to a rep from Equifax today XX/XX/2021 and our call got disconnected in the process of removing these unauthorized items. I called back and this new rep was rude and refused to follow the law. on XX/XX/2021 they receieved a FTC report with my verifiying information and she says they dont have to follow the law. 
Worker id XXXX said they are the only ones that can vaildate the information which is not true i told her what the law says and she was not listening They are violating my rights as a consumer and i demand these items be removed. They are supposed to report Fair and Accurate information and they are not.

My next step will be legal and i seeking monetary relief. I just dont understand why Equifax thinks they dont have to follow the law.. the FCRA is for me and to protect me against these types of issues. And the CFPB is suppose to make sure they comply. look up law and you can clearly see they are in violation. and unless Equifax or the CFPB can swear under the penalty of perjury that they know these inquires are true they have to remove them.

15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Credit card or prepaid card

RE : CitiBank Best Buy credit card acct # XXXX I am formally claiming fraud on the above mentioned Visa credit card. CitiBank would be reporting an inaccurate balance and status to the following Credit Bureaus ; XXXX, XXXX and XXXX. As a result, I could be in immediate danger of harm and serious financial damages. 

ISSUES : *I have been pre-approved for a large mortgage around {$600000.00}, the closing is Monday XX/XX/XXXX. Therefore I am requesting CitiBank take the appropriate actions and make sure this account is NOT reported inaccurately. 
Specifically the balance of this account is far less than what is currently being reported 1. I am claiming the correct balance is less than {$2000.00} at approx. {$1900.00}. 
2. I am claiming any and all charges or transaction in XX/XX/XXXX and XX/XX/XXXX are unauthorized. 
3. I am requesting a copy of all transactions for XX/XX/XXXX through XX/XX/XXXX, so I can view them and provide more information. 
4. A list of how each charge was transacted. In other words, by phone, online or in person The Last time ( date ) a card for the above mentioned account was mailed and to what address. 
5. If a card was mailed to me in XXXX, when was it mailed? 
6. If a card was mailed to me in XX/XX/XXXXdid it require activation? 
7. If a card was mailed to me in XX/XX/XXXXand required activation, how was the card activated? 8. If online by what IP address? if by phone, what was the phone number used? 
9. I was out of the state of Michigan from XX/XX/XXXX through XX/XX/XXXX I am confident the investigation will confirm my claim. 

To help speed up the process and avoid any delays, I have attached an affidavit of fraud that is specific and contains all I know concerning the above mentioned account. 
I have also filed similar disputes with XXXX, XXXX and XXXX to preserve my right to file a civil complaint for damages against CitiBank in the event a inaccurate information is reported to the credit bureaus and I suffer damages as a result. 
I am hoping CitiBank will take this seriously as it is a serious matter. I am further requesting all correspondence be done in writing to assure all sides have the same factual history and information. This will also provide fair and equal access to facts. 
*NOTE : i will only accept communications via email, USPS , XXXX, XXXX or through any secure platform CitiBank would like. 

* All Attachments are also being Certified mailed to Citibank to provide Citibank with the original documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S Code 1681B- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 
I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter Concerning the account listed below as a consumer, I am demanding a deletion of these accounts listed below :
Product: Debt collection

I dont think I even have a collection with them anymore there is an incredible amount of calls all days and times including weekends. No voicemails and Ill block the number then they use another number. Emails and etc I can get a log if needed theres a ton over the last 3 weeks.
Product: Credit reporting

I disputed inaccurate information on my credit report with XXXX companies ( XXXX and transunion ). XXXX got back to me within 1-2 weeks and removed the innacurate information. Transunion has not done the same and they did an inadequate investigation and I have further disputed it. I have submitted to them proof where XXXX has removed the innacurate information but transunion sent me a letter where they stated that they could not find my credit report. I have submitted to them all of my information including the file number. They are delaying and denying my claims and they are doing so in a criminal and fradulent manner. I have contacted them 2 times by phone and 2 times by fax and they refuse to resolve my complaint.
Product: Checking or savings account

On XXXX separate occasions, I placed orders through XXXX XXXX totaling {$24.00} and {$18.00}. Unfortunately, I did not receive my items from either transaction. I immediately contacted XXXX XXXX  to address the issue, but they refused to refund me. 

Subsequently, I filed a dispute with Venmo, as the payment was processed through their platform. Venmo requested supporting documents, which I provided in full, detailing the non-receipt of my orders and my communication with XXXX XXXX Despite submitting all necessary evidence, Venmo has refused to assist in resolving the dispute, and I remain without my refund for both transactions. 

Both the merchant and Venmo have failed to take responsibility for these failed transactions, leaving me with no choice but to seek assistance from the CFPB.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple inaccurate and inconsistent items on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute and request an investigation into any incorrect, outdated, or unverifiable information reported by your bureau.

Upon reviewing my credit report, I found that several accounts are being misreported. Some accounts show different information across different bureaus, which is a violation of fair and accurate reporting standards. I request that the following inaccurate items be removed or corrected immediately : Late Payments : XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX ( Balance Owed : {$770.00} XXXX XXXX # XXXX ( Balance Owed : {$380.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance Owed : {$330.00} ) XXXX # XXXX Charge-Offs : XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Collections : XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Hard Inquiries ( Unauthorized or Unverified ) : XXXX XXXX XXXX XXXX XXXX ( Date of Inquiry : XX/XX/year> ) XXXX ( Date of Inquiry : XX/XX/year> ) XXXX  ( Date of Inquiry : XX/XX/year> ) Under the FCRA, if these accounts can not be verified within 30 days, they must be removed from my credit report. Additionally, I request a fresh and updated copy of my credit report reflecting these corrections. 

I have attached copies of my identification and any supporting documents to assist with this dispute. Please provide written confirmation of your actions regarding these items. 

Thank you for your immediate attention to this matter.
Product: Credit reporting

I 've disputed this information with Equifax numerous times and have proven that they have this information invalid and that it does n't match any record whatsoever and they failed to remove these from my reports as well as provide the court docs that prove they have it accurately listed. I require that these are removed immediately. I am including the public records pate of my credit report as well as my dispute letters.
Product: Money transfer, virtual currency, or money service

I was scam by a company that called XXXX XXXX XXXX. On the XXXX of XX/XX/XXXX at XXXX XXXX  I received a message via Messenger from my supervisor XXXX XXXX that I worked with at XXXX XXXX by the XXXX XXXX stating that the company will give me a certain sums of money if I pay a certain sums and it is not a loan because I don't have to pay it back. She wasnt working alone she worked with a man but i dont remember his name. She would text me on messenger on what to do and then text the man to carry out the transactions. Before I reported them to my bank and XXXX he use to text me from this number XXXX ( I dont have these text because i deleted it ) which they didnt use anymore so the man started to text me from another number which XXXX ( i have those text messages. She even acted like shes helping me out by sending money to the person too. Even my brother got involve Because he was the one that helped me with some of the money to pay him. I was skeptical but it was my supervisor so I trusted her. First she said I must buy a {$100.00} XXXX card and send it to the person she's working with at the company so I did. On the XX/XX/XXXX I send my first transaction of {$700.00} dollars ( note all my transaction is through XXXX from my BBT bank account ) the email address is XXXX XXXX  XXXX. And the verification number is XXXX And here is the follow transaction that I made also 1. XX/XX/XXXX amount {$850.00}. Verification # is XXXX 2. XX/XX/XXXX amount {$700.00}. Verification # is XXXX 3. XX/XX/XXXX amount {$960.00}. Verification # is XXXX THESE TRANSACTIONS ARE FROM THAT EMAIL ADDRESS STATE ABOVE. Now from a different email address on the XXXX/XXXX/XXXX amount {$500.00} to XXXX. Verification # is XXXX. From another email address XX/XX/XXXX amount {$500.00} to XXXX. Verification # is XXXX. And another email address XX/XX/XXXX amount {$300.00} to XXXX. Verification # is XXXX. AND XX/XX/XXXX amount {$700.00}. Verification # is XXXX. And the last transaction i made was on the XX/XX/XXXX email address XXXX the amount {$300.00}. So in all they scammed me {$5500.00} dollars. I attached my bank information with all the transactions. If you need any additional information I will gladly provide it
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I have auto loan with Santander consumer, USA. I got in a hardship situation, I lost my father, lost my job. I kept in contact with Santander and let them know my situation and they understood. I called them and they called me as well. On XXXX XXXX 2016 I talked to XXXX in the president department of Santander. He told me that If I made payment {$1000.00} that the day and then 10 days later paid {$350.00} that I would be back on track and then just make my normal monthly payments. Later, I found that they had charge off my account and they will not be reporting my payments. I called them again and talked to XXXX and ask him for supervisor. XXXX said let me know try to help and if I do n't resolved the issue then I will give you to my supervisor. I told the situation and he went to talk to XXXX and came back and said their was nothing that they can do or change the charge off your credit report. The problem I have is it was not charge off when I was talking to XXXX but now it is they put XXXX XXXX on my credit report. I had made agreement with them and I stuck to my agreement and did what we agreed to. I do n't understand how they can charge off my account with me keeping my car. I need to know what my rights and what I can do about this situation. I have recently went through the reviews on this company and see that they do this to a lot of people and also not give them their titles when the vehicle is paid off. I have had problems with they trying to charge me last year repossession fee when they never repossed my vehicle. I want to filed a complaint on Santander Consumer, USA
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why. I checked my report as usual, but this time, there were unexplained discrepancies. I refreshed the browser, hoping it was just a technical glitch, but the inquiries remained. I urgently need the documents Ive submitted to be thoroughly reviewed to ensure this issue is resolved so I wont have to worry anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I submitted letters to XXXX and Transunion disputing accounts that were inaccurately reporting on my credit report. It has now been over XXXX days and I have not received a response or removal of the accounts. I am trying to purchase my first home and this is hindering my approval. Can someone please help.
Product: Mortgage

* I have a 30 year fixed conventional mortgage of {$210000.00} at 2.875 % with an XXXX of {$870.00} without escrow closed on XXXX XX/XX/XXXX. 
* My lender seems to have paid my property taxes to XXXX XXXX without my knowledge or agreement for the year XXXX payable in the year XXXX. 
* I never got an explanation why it was done inspite of repeated emails and phone calls. 
* I never missed any of my mortgage payments since XX/XX/XXXX till date. 
* Also reimbursed the property tax payment back to the lender in XXXX of XXXX. 
* Lender violated mortgage agreement by increasing my monthly payment without any explanation * Lender violated mortgage agreement by imposing penalties and late payments that were never explained * Lender caused emotional and financial burden to me and my wife by sending foreclosure notices in spite of never missing a payment ( not even any late payments ) * Lender never contacted back or explained the reason for their accounting. 
* My account was reported to credit bureau this by damaging my credit history. 
* No action has been communicated back to the borrower for the request to reconcile, even after sending all the paid check images that was brought over and sent from borrowers bank.
Product: Debt collection

The company is a debt collection company based out of XXXX, IL called Harris & Harris LTD and they claim I have a debt from XXXX XXXX from XX/XX/XXXX of 2024 and I had filed financial hardship with XXXX XXXX and was approved. I filed again in XXXX this year and am waiting for whether it was approved or not. I am wondering whether XXXX got the documents I sent them via mail. 

I contacted Harris & Harris LTD and the people on the phone were extremely rude, refused to connect me to a supervisor when I requested and I told them I am disputing this debt and they didn't want to hear it. I also warned them that should they litigate the matter, I will file complaints against their attorneys with the Indiana Supreme Court XXXX XXXX XXXX in an attempt to get their law licenses either suspended or revoked. I also gave them a verbal cease and desist order over the phone.
Product: Money transfer, virtual currency, or money service

MONEY WAS WIRED TO XXXX XXXX ON XX/XX/21 AT XXXX XXXX  FOR XXXX XXXX TO PERFORM A REHAB ON MY PROPERTY XXXX XXXX XXXX XXXX LOCATED IN XXXX, MICHIGAN BASED ON HIS SCOP OF WORK.I MADE 2 DIFFERENT WIRE. FOR WIRE TRANSACTION WAS FOR THE AMOUNT OF {$20000.00}. XXXX WAS SUPOSE TO ORDER MATERIAL WITH THE MONEY THAT WAS SEMT TO HIM. DUE TO THE BACK AND FORTH HE WAS NEEDED. MORE MONEY SO HE CAN PAY FOR LABORS AND OTHER ITEMS HE LIED ABOUT.. SO AT THAT TIME MONEY WAS WIRED TO HIM FOR THE SECOND TIME FOR THE AMOUNT OF {$65000.00}. AFTER A MONTH ME AND MY BUSINESS PARTNER XXXX TOOK A TRIP TO XXXX TO LOOK AT THE WORK THAT WAS PERFORMED ON THE XXXX XXXX XXXX XXXX. WHEN WE ARIVED THERE WE NOTICE THAT NO SKILLED WORK THAT WAS STATED FROM XXXX XXXX THAT WILL BE DONE WAS NOT DONE.. THE ONLY ONLY THING THAT WAS DONE WAS WAS REMOVING THE SMALL AMOUNTS OF DEBRIS FROM BUILDING WHICH I COULD HAVE DONE THIS MYSELF WITH MY BUSINESS PARTNER. WE WERE HIGHLY UPSET WITH THIS PERFORMANCE. WE HAVE BEEN EXTREMELY LIED TO. ABOUT EVERYTHING. I REQUESTED FOR XXXX TO SHOW ME RECEIPTS FOR ALL THE MATERIALS HE CLAIMED HE PURCHASED. FOR MY BUILDING AND HE COULD NOT PROVIDE THAT TO ME. ALSO XXXX SAID HE WAS LICENSE BUILDER AND WHEN I REQUEST FOR HIM TO PROVIDE ME HIS BUILDERS LICENSE HE SHOWED ME A FAKE BUILDERS LICENSE HE OR SOMEONE HE KNOWS MAY HAVE CREATED. NEXT THING HE DID ONCE I HAVE EXPOSED HIM ABOUT EVERYTHING HE HAS LIED ABOUT WAS STOP COMMUNICATING WITH ME AND MY BUSINESS PARTNER. HE STOP ANSWERING MY CALLS, TEXT MESSAGES AND EVERYTHING. XXXX XXXX WITH XXXX  XXXX  XXXX, XXXX HAS DEFRAUDED ME AND MY BUSINESS PARTNER XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day. I am writing to have the items listed with my report deleted deleted from my credit profile. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit profile.