23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX please remove/delete any other variations of my name : XXXX, XXXX XXXX, XXXX XXXX. I have a few fraudulent account that are on my credit file from companies that I have never done business with. I have several fraudulent addresses on my credit report never lived at the following address : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have several numbers on my file the do not belong to me please delete these unknown numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX theses are the fraudulent account that I have requested legal documentations and have yet to receive anything back, please delete the following account 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

HARD INQUIRIES I DO NOT RECOGNIZE:
-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
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, has violated my rights. 

XXXX XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) : XXXX, has violated my rights. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX has yet to remove fraudulent accounts and fraudulent inquiries from my credit report. They gave me a List of items needed Ive produced it many times and they are not working with me, they refuse to be fair, and their investigations has all taken longer than 30 days.
Product: Credit card or prepaid card

Bluebird sent a email on XXXX XXXX  and sent this : Hi, XXXX XXXX, During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : 22D Due to the violation your Account has been locked and your Account privileges have been suspended. 
If you have any questions, please call Account Protection Services at XXXX. 
Thanks, The Bluebird Team NO FINDS NOR ANY REASON AT ALL!!!!!!!!!!!!!!!!!!!!!!! this is a XXXX hole card company and i have lost thousand of US DOLLARS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
The card company has taken over {$2000.00} of my money in the last year!!!! 
Bluebird has a pattern of holding customer funds well beyond the prescribed period. When you call in to express your concerns, the agents become overly aggressive, overtalk the customer and speak in the most condescending manner imaginable. 

Also See from XXXX XXXX today XXXX Hi, XXXX XXXX XXXX Recently you inquired about your charge ( s ) from your Bluebird Prepaid Debit Account in the total amount of {$750.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore the transaction ( s ) is not eligible for credit to your Account.

You have the right to review any documents we relied upon in making our determination.

You may request this information by writing to us at the following address : Bluebird Customer Care XXXX XXXX XXXX XXXX, GA XXXX Thanks, The Bluebird Team Bluebird appropriate information to input and I called over and over and over and can I never!!!!!!!!!!!!!!!!! get through to a real person for that reason it's frustrating because I have money on my account and I can't use it reason over {$5000.00}!!!!!!!!!!!!!!! 
appropriate information to input and I called over and over and over and can I get through to a real person for that reason it's frustrating because I have money on my account and I can't use it reason ... THEY HAVE BIG BALLS AND STEAL! 

even the customer service department the customer service in XXXX XXXX XXXX does absolutely nothing you call their extensions they give you circles did not even listen to your concerns that is one very complete corrupt company and they all deserve federal prison time and sent away forever they're corrupt as all get out!!!!!!!!!!!!!!!!!!!!!!
Product: Debt collection

Portfolio Recovery XXXX XXXX XXXX has contacted me daily for about 2 weeks and counting, about 2-3 calls a day. To my knowledge, I do not have any outstanding debts with any debt collectors. Nor have I received any notification via mail of an outstanding debt. 
I have spoken with the company directly and was instructed that they would stop calling aka put me on a do not call list. The phone calls still continue and my frustration only grows fonder. 
Portfolio Recovery is harassing me via phone and I would like to put a stop to this.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

I filed a dispute with XXXX on XX/XX/XXXX to investigate and delete late payments for SYNCB/Walmart account that is reporting inaccurate account number and late payments to my credit report. On XX/XX/XXXX, the dispute is completed and additional inaccurate information was added to my report. They have added additional late payment for the year XXXX and charge off for XXXX on an account that was paid and closed in XXXX. I called SYNCB/Walmart to verify information at XXXX. Representative confirmed that account was paid and closed in XXXX and no balance is owed. I requested for them to delete the information from my credit report and was told they will investigate and it could take up to 45 days. This is unacceptable for XXXX and SYNCB/Walmart to be able to add inaccurate information to my report after a dispute has been filed. I am in the process of applying for credit and this inaccurate information can hinder that process. XXXX and SYNCB/Walmart need to both correct their process of validating information before adding inaccurate information to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

1

5 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 am almost XXXX XXXX XXXX and XXXX  XXXX  months ago. My husband took care of most financialmatters in our household. 

On XX/XX/XXXX I received a phone call from a man I did not know and he demanded in a very stern/angry voice I pay him back his {$9000.00} that was transferred into my Chase bank account in error. He told me to look at my bank account online and I would see the online transfer made to my account. I looked and sure enough there was almost {$15000.00} as my account balance including the {$6000.00} that I had in the account. He starteddemanding that I give him his {$9000.00} or he was going to send somebody to my house ( he knew my address and that I had {$15000.00} in the bank ). He then told me how to get him the money by mailing it to an address in XXXX, Nevada. He wanted his {$9000.00} in cash, I was so scared that I immediately went to my Chase Bank in XXXX XXXX, CA. and got {$9000.00} in cash from a teller. People have asked me if the teller questioned the large amount of cash because there are so many seniors in the area that may have fraudulent activities happening. The teller did not question it. I then went to the post office and mailed the {$9000.00} dollars to XXXX ( I have a post office receiptfor the envelope ). 
I was relieved that it was over until I received a letter from the bank a couple days later indicating my account was overdrawn by {$3000.00}? When I looked at my account it indicated that it was {$3000.00} overdrawn because Chase processed a {$9000.00} an online Debit Return transfer on XX/XX/XXXX. I went to Chase and reported the incident to XXXX XXXX XXXX XXXX, he closed my accountand told me that because I withdrew the money I was responsible for the loss of the {$6000.00} that was in my account plus I owed the bank {$3000.00} for the overdraft. My son XXXX XXXX has been trying to get Chase Fraud group to take responsibility for this fraud because the bank updated my bank account with the {$9000.00}. With my permission he has requested information from the bank such as what bank initiated the original deposit and the credit. Was it a XXXX XXXX or a foreign bank? What internal controls does Chase have in place to ensure a wire is valid before posting it to an account? Why was thereversal processed, we read that once a transfer was made itrarelyis reversed? Did Chase investigate why the reversal was processed? We getno answers!! There is a certain amount of due diligence we expect from the banks to protect an individuals money and when it comes to wire transfers at Chase bank we don't seem to get it.

I went to the FBI and they indicated that there was nothing they could do. If somebody goes into Chase bank and robs it, theFBI is all over it but an individual loses money theFBI does not investigate anything. The Chase Fraud group requested the post office receipt and other information, I gave it to them and haven't heard anything. Now Chase is threatening me that if I don't give themthe overdraft amountby tomorrow they are going to write it off and report it to the credit bureaus and to the IRS as income.
Product: Credit card

The Citi Prestige Card -- there 's a benefit that states the forth night is free at any hotel worldwide when booked through their travel service and booking a non-discounted, GDS-avaibale rate. Well that sounds great, but their travel service seems to cherrypick when they 're going to make a hotel available, and the process itself is very cumbersome ( call, make a request, maybe get an e-mail back in 24 hours ... ) I 'm a travel industry/technology insider, so I understand very well how GDS, TMCs, and the hotel booking process works. 

I attempted to book a personally important trip by calling the Citi Prestige Concierge a few times. Finally, I received an e-mail stating both of my preferred hotels were unavailable, even though they were, of course, available. Each time I checked online AND called the property ( in XXXX XXXX ) to confirm, and the availability was there. I asked ( repeatedly ) that the Citi agent just transfer me to the XXXX XXXX agent so that we can resolve it, but I was told new Citi policy forbid this. 

Finally, I gave up and booked the four night stay directly with the property. Citi should honor their customer commitment and provide me with the fourth night free. It 's an expensive hotel, but it 's peak season in a far-away land. That should n't affect Citi 's willingness to honor their promise and core element of marketing the card to it 's intended demographic ( their words ) affluent consumers on a worldwide basis. 

Also, Citi should think seriously about providing an online booking system just as XXXX and XXXX do for their hotel benefits on their top-tier credit card programs. I believe XXXX XXXX provides those services, and it does n't make any sense at all to involve XXXX people ( minimum ) PLUS the customer PLUS 24-48 hours on each request. It 's almost as if the process is designed to be too cumbersome to be used. 

To the regulator : imagine if booking a ticket or hotel room through XXXX took multiple people, multiple phone calls, and 24, 48, 72 hours of waiting before even knowing if the hotel is available ... and this is supposed to be a " high-end '' service on a {$450.00} per year card. 

Again, a simple ask to Citi : that they honor the 4th night free benefit given that I booked directly with the hotel as a non-doscunted " rack rate, '' and I 'm charging the hotel stay to my card. Also, that in the future, they consider how to simplify the process supporting this primary advertised benefit of the card. 


Thanks, XXXX.
Product: Debt collection

In XXXX, I purchased my first vehicle. A few months after buying the car I had an unexpected job loss and was no longer able to make payments. I contacted the company in attempt to resolve the matter or come to an agreement. I attempted to voluntarily return the vehicle to the company but was misinformed by them, who claimed that voluntary repossession was not an option. Despite this, I willingly returned the car to the company, who then claimed on my credit that it was an involuntary repossession. At the time I did not know my rights and I did not understand that they were making false remarks on my credit. Later that same year, I attempted to contact the company to try and settle the account. Unfortunately, the amount they were willing to settle was outside of what I could afford and I was unable to settle the account at that time. Now, in XX/XX/XXXX I was finally able to contact the company to settle the account. I immediately paid the agreed upon amount the same day I contacted the company. The company assured me over the phone that the account was settled and closed and that this would be reflected on my credit and I would receive a letter in the mail as well. About a week or so later I received the letter in the mail stating the account was settled in full and that the lien was released. In early XX/XX/XXXX my credit score increased, reflecting the paid off debt. Then shortly after this, I received notification that remarks have been changed on my credit indicating that the debt is still owed and that the account with them is not settled which drastically reduced my credit again by XXXX points. I am highly confused by this, as I have the documentation showing the account was settled and I have always done what I could to respectfully communicate with this company and attempt to resolve the matter. I attempted to dispute the remarks with both XXXX and XXXX but they are claiming the company is " verifying '' the information which further shows that after I settled this account the company is still attempting to harm my credit for, seemingly no reason. I do not understand this concept that appears to be common with debt collection agencies to further harm people who have already experienced financial downfalls. Especially when the consumers make all attempts to communicate and resolve matters. This company has been paid and gains no further benefit by changing and adding remarks to my credit to further harm my financial independence. I have attached documentation showing that the company has been changing remarks after the date they were paid.
Product: Checking or savings account

In XX/XX/year> my chase account was charged multiple fake charges from XXXXXXXX XXXX  account and chase notified me of fraudulent activity and reversed the charges on all but 3. two are for XXXX each and one is for XXXX. They closed my debit card and sent a new one. Every time I call chase they credit the XXXX but then keep debiting it a couple weeks later. This last time I spoke to a manager and she said it was because the merchant was manually entering the transaction and could see that the multiple other charges were credited back to my account. The manager assured me it would be fixed and now yesterday they have taken the XXXX out again. I have been trying to fix this since XX/XX/year> and have spoken to so many employees at Chase, can you please assist me. I have never ordered any food from XXXX
Product: Debt collection

This account is over XXXX XXXX XXXX and the information is incorrect
Product: Credit reporting 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 accounts ( A ). It is not permitted to report these accounts 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 XXXXXXXX
Product: Credit card or prepaid card

I went to a XXXX branch on XX/XX/23 for a cash advance on my payroll check that was deposited to the account that morning for {$1500.00}. Per the representative, the charge was declined by Netspend. I am set up for sms alerts from Netspend and XXXX. I received a text alert from Netspend showing- {$0.00} ( overdrawn ) available after a {$1500.00} purchase at the XXXX XXXX branch location at XXXX XXXX. I showed the representative and the manager the text showing it went through. XXXX was unable to give me any information to support this transaction was declined and I was told to contact Netspend. 
I called Netspend, the representative shows there is a pending transaction for {$1500.00} and I need a letter showing the transaction was not processed by XXXX. I went back to XXXX this morning ( XX/XX/23 ) and spoke to another manager, who stated she could not write a letter on XXXX XXXX  letterhead acknowledging the transaction did not go through. I was directed to contact Netspend again and file a dispute with them. I called Netspend for a 3rd time regarding this issue. I was able to speak to a supervisor, at least that's the title she gave me. Per XXXXXXXX XXXX XXXX XXXX XXXX  ). She confirmed the same information. I was given an email address : XXXX where I can submit the letter. This issue has not been resolved and I don't know what further actions can be taken. I have a medical procedure that is being done and no funds in my bank account. I have been with Netspend for over 12 years and I do not understand how this happened and the lack of assistance from them in getting this issue resolved expeditiously.
Product: Credit card

I added my daughter as the authorized user on my Citi Master card because she needed it for her XXXX XXXX student exchange program. The following is the transaction details as well as the dispute case opened by Citi bank. 

1. Transaction Details- Transaction Date : XX/XX/XXXXXXXX  - Transaction amount : {$460.00} - Merchant : XXXX XXXX XXXX in XXXX XXXX 2 . Dispute Details- Dispute Date : XX/XX/XXXX - Dispute Amount : {$460.00} - Dispute ID : XXXX - Citi issued a conditional credit of {$460.00} to my account on XX/XX/XXXX 3. XX/XX/XXXX - Citi closed the investigation based on the Merchants response and reversed the credit on my MC account. I was told to provide more information as well as evidences if I were to continue the dispute. 
4. XX/XX/XXXX - I sent Citi dispute department a detailed email with transaction details, supporting documentations as well as photo evidences of the service. Citi confirmed on XX/XX/XXXX that my email was received and under review. On XX/XX/XXXX, Citi notified me that the additional information was sent to the merchant. 
On XXXX, Citi informed me via email that they were reviewing the information the merchant provided and would get back to me within 10 business days. 
5. XX/XX/XXXX, I called Citi dispute department since I hadnt heard back from anyone. I was told that a letter was sent to me on XX/XX/XXXX which I never received. I was told that although I provided all the evidences but the merchant refused to issue a credit and theres nothing the bank could do. When I spoke to a supervisor, she told me Citi could only credit me {$250.00}. I told her since I was not the party at fault and I had all of the details and evidences to back me up, I should have the full amount credited to my account. She denied my request. When I asked to speak to the manager, she said I wasnt allowed to speak to anyone above her. 
6. XXXX I received an email from Citi that the full amount of {$460.00} is charged back into my account along with any related fees and interest charges because the investigation is over. The email also states that while Citi realizes my account may be in good standing, Federal Regulations require it to remind me that it may report my account as past due to the consumer reporting agencies listed below if it does not receive the minimum payment by the due date shown on my billing statement. 

* I applied for the Citi Bank MC because it is a big bank and I feel that I would be better protected. The bank has a dispute department and its job is to investigate the claim then decide on one of the outcomes : either my claim is untrue or the merchant failed to provide the service as promised. In my case, the merchant failed to provide the service. Instead of crediting the money back to my account, Citi bank sent me an email demanding me to pay the money back or else they will report me to consumer reporting agencies. I am very confused and frustrated about the situation. And to make it worse, I couldnt even speak to anyone in the department who has the power to resolve this issue.
Product: Credit reporting or other personal consumer reports

I submitted a FTC report back in XXXX about my fraudulent accounts and applications