23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 
I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.
Product: Checking or savings account

I started a savings account at a Citizens Bank branch in XXXX, NY. The terms and conditions were that if I made a deposit of at least {$100.00} for each of four months I would get a {$25.00} bonus. 
I deposited {$100.00} in XXXX, in XXXX, in XXXX and XXXX At the beginning of XXXX I went to my branch bank to inquire if the {$25.00} was added to my account. I was informed by the branch manager that there was a computer glitch holding up the bonus. I went back in XXXX twice. The branch manager says he called the home office of Citizen Bank to plead my case. They told him there were many depositors who had not received the bonus. I was patient. 
When I inquired again at the beginning of XXXX I was told that the {$25.00} bonus had not been credited to my account. So, I decided to file a complaint with the bureau.
Product: Credit card or prepaid card

I am XXXX XXXX. 
I was using Transact prepaid MasterCard by NetSpend under XXXX Card number is XXXX XXXX XXXX XXXX Every time customer adds a card in a merchant website, the merchant payment gateway under MasterCard API internet protocol rules uses {$1.00} debit to test if card is valid, open and has balance to spend. It is a small reversible fee that is dropped or reversed very quickly within 24 hours everywhere visa or mastercard is accepted. 
It is a standard business practice in gas stations as well for example. 
Gas company would charge {$1.00} and reverse it and post gas charge which you pay gas price plus {$0.00} per gallon for using your card as oppose to cash purchase. 
You don't pay additional to that {$0.00} per gallon card transaction fee for being tested by {$1.00} and what I mean by that is {$1.00} reversible temporary charge and you also pay {$1.00} fee for being tested by {$1.00} reversible temporary charge. 
This {$1.00} testing charge protocol is a protected norm in business world and protected under banking mandate and regulated not to be taken by mistake and be abused like a purchase and be put a charge fee on it as if it is a purchase of a goods or services. 

This is openly violated by Transact prepaid mastercard by XXXX taking away the trust of thousands of consumers nationwide and needs to be dealth with fines and penalties by authorities to make them get in line with banking mandates and in full compliance with the law to full extend. 

when I add my card into my XXXX account and I have 2 accounts and I add in both, each account tested with {$1.00} and I was facing {$2.00} and {$2.00} in a row. 
That {$2.00} fraudulent charge consists of {$1.00} supposed to be temporary charge for testing and {$1.00} fee abused by XXXX XXXX is engaged in mass fraud and I want authorities to fine them and send a notice for compliance and exclude first time card addition testing {$1.00} small test charge from being charged with a fee because that is not a valid purchase of good or service and it is only there for purpose of establishing connection between merchant and the bank. 

The other misclassification and ill interpretation of fee happened in pin purchase. 
I used my card information for XXXX prepaid cellphone plan refill account billing page, there was no actual pin or need to enter pin and it is simple charging the card and banks charges merchant percentage for transaction so it makes the money and doesn't need to pass additional cost charge or fee to customer. 

I got charged {$1.00}. 

Unfortunately this as well is being abused in mass by XXXX and I want authorities to fine then and put them in line with banking mandates and in full compliance with the law. 

I feel the urgent need of fines and penalties for them to make immediate stop of abuse of fees by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to a Dealership at this location when they filed for me to lease a car they put XXXX hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.
Product: Debt collection

Company has not verified I am the owner of debt, company has not verified I signed for debt. Company has yet to verify itemized amount of debts. Company never sent any information about debt. Debt was removed off other credit companies stayed on XXXX XXXX and XXXX
Product: Checking or savings account

I set up an external account ( XXXX XXXX ) to transfer money to the 5/3 account and now 5/3 has cut off the external account feature. This makes it inconvenient and time delays in depositing money into my account. My 5/3 account is overdrawn and 5/3 has charged over {$100.00} dollars in fees. This is exploitation. Not only have they cut off access for my to provide funds immediately by electronic transfer, but they are charging fees for the overdrawn account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report, after being released from the XXXX XXXX XXXX XXXX, Jail ; XX/XX/XXXX until XX/XX/XXXX, and I noticed many fraudulent notations on the report so I disputed online thru Experian.com the many fraudulent notations on my credit report, date XX/XX/XXXX, XXXX, report no : XXXX ; with Experian Credit Bureau XXXX XXXX XXXX XXXX account XXXX, in amount of {$440.00}, XXXX XXXX, XXXX. account XXXX, in the amount of {$460.00}, XXXX XXXX XXXX account XXXX, XXXX  XXXX XXXX account XXXX, in the amount of {$490.00}, and XXXX XXXX XXXX account XXXX, in the amount of {$300.00}, Experian never validated in of the information through me, but denied my complaint and relied sole on bias investigation in favor of the creditors to validate the fraudulent notations on my Credit Report .....
Product: Debt collection

Call the company to accept the offer that they were offering to close out the account I asked for a written deletion. The lady told me she cant do that. I have to pay the full amount. I told him thats a lie because it was offered before and she put me on hold and then told me that she was not accepting payment and that it will remain on my account. This call was rude and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2019 I SPOKE WITH EQUIFAX REGARDING A DISPUTE FOR PUBLIC RECORD-BANKRUPTCY THAT CAME BACK AS VERIFIED. EQUIFAX INFORMED ME TO CALL XXXX XXXX WHOM REPORTED THE INFORMATION TO THEM. I CALLED THE DISTRICT COURT AND WAS TOLD THAT MY FILE WAS IN STORAGE AND NOONE COULD RETRIEVE IT. I SPOKE WITH XXXX XXXX ASKED FOR MY DISCLOSURE REPORT # XXXX, INFORMED THEM TO DISPUTE THE PUBLIC RECORD BECAUSE IT IS SHOWING INCORRECT INFORMATION, AGENT CONFIRMED INCORRECT INFORMATION THAT IS REPORTING.
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 name XXXX  XXXX has violated my rights Account number ( XXXX ) account name XXXX XXXX XXXX XXXX XXXX has violated my rights Account number XXXX account name XXXX XXXX XXXX has violated my rights Account number XXXX account name XXXX XXXX XXXX XXXX has violated my rights Account number XXXX Account name XXXX XXXX XXXX XXXX has violated my rights Account Number XXXX Account name 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 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 or other personal consumer reports

I had multiple unrecognized soft inquiries that I had noticed after running my annual credit check. Credit Karma and XXXX ran credit checks every month last year multiple times throughout the month, and even multiple times per day. I also have a soft inquiry from XXXX XXXX on XX/XX/XXXX. I have a soft inquiry from XXXX on XX/XX/XXXX, and XX/XX/XXXX. I also received a letter stating that there was an unauthorized disclosure of my personal information that had occurred between XX/XX/XXXX and XX/XX/XXXX. It was leaked by XXXX which is a cyber security firm that contracts with XXXX, XXXX ( " XXXX '' ) to provide a secure file transfer software called XXXX. XXXX is a professional services company that provides services to hospitals and clinics affiliated with XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ). As a result, I have concerns that my personal information has been leaked and someone may be using my social security number for anything or running strange credit checks causing inquiries since I do not recognize many inquiries.
Product: Debt or credit management

Hello, My name is XXXX XXXX XXXX XXXX I paid XXXX XXXX monthly from the years XXXX. I paid XXXX XXXX  {$120.00} dollars per month with no results or changes in my credit report file. I contacted the company several times throughout the years and all they would tell me is that they were working on my file.I finally gave up on them and cancelled my payments to the company. XXXXXXXX XXXXwas a total failure to my family and I.
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.

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 ye
ars.

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: Debt collection

my bank deducted XXXX dollars from my personal checking account to my business credit card account without notice XXXX. XXXX XXXX and left me now with a negative checking account balance. i was never given an option to make payment arrangements prior to them taking this action and i have XXXX kids with no money at all to support them.we have been struggling with money since going on a limb and starting our own business in XXXX and work demand has been low due to people not having any money for the work. we are trying our hardest to stay afloat and this really set us back even worse and were expected to just get out of debt when we have now been put into it even further with absolutely no consideration for our family, leaving us helpless with no chance of returning the money to survive and letting us try to pay off the debt.
Product: Checking or savings account

I opened a Citibank account with XXXX XXXX at Citibank in XX/XX/2023. He set my residential address as XXXX like it had on my ID and my other address here in XXXX. Since then the fraud and customer service department has harassed me almost everyday by locking my account for no reason. I take uber to work 10 times a week and every Saturday and some morning they would claim XXXX as fraud and lock my account till I called and spent XXXX on the phone. This caused me to late work two times which resulted in my termination. Now they have completely frozen my account and will not let me into my checking account. It is XXXX and I am unable to pay rent which could result in an evictions. The emotional stress it has caused me after dealing with identity theft for two years caused me to nearly try and kill myself. The customer service number passes you around and keeps you on the phone for hours causing me to miss appointments and undue stress. They are holding a check but also locked my checking account which has left me completely penniless as I closed every bank I had to ensure I was reducing the threat against me from my identity thief. I am in absolute tears. I have XXXX XXXX cats and I do not know what to do with them if I am evicted. I just want my account money and to be able to be compensated for lost wages, late fees for rent and the stress this has caused me. If my friend had not been here I do not know what would have happened when I wanted to harm myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Transunion received my letter exercising my rights under FCRA 611 ( a ) requesting a complete description of all methods of verification regarding a public record bankruptcy and they did not comply. I have documentation that they have received said letter on XX/XX/XXXX. I also asked within letter that I receive this information within 15 days of receipt or I expected the item in question to permanently be expunged from my record. XXXX did not comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint as a follow up XXXX the previous CFPB Complaint I submitted on XX/XX/XXXX. This is my fourth endeavor to inform the XXXX XXXX XXXX that I am a victim of identity theft and I complain to question specific records in my document coming about because of the crime. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that are reporting on my Credit file. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Pleas have the following items deleted completely from my Credit File : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The XXXX  inquiry on XX/XX/XXXX was initiated in error. XXXX allows individuals to check their rate without affecting their credit. I checked my rate on XX/XX/XXXX and received an alert of a new inquiry. After contacting XXXX  via their online chat, I informed them of the new hard inquiry. They sent a letter stating they were investigating the matter and would have a resolution soon. I later received a letter via usps stating they were going to remove the inquiry. However, it is still present on my report. Please see the attached letter from XXXX. 

Experian refuses to investigate my dispute in accordance with the FCRA.
Product: Credit card

I am writing to formally request a detailed review and explanation of my Chase credit card account, specifically regarding my balance transfer and how payments have been allocated over time. 

Key Facts About My Balance Transfer : In XXXX, my balance transfer subject to interest was {$1300.00}, and my purchases subject to interest were {$150.00}. 
Over six months of continuous payments, my balance transfer did not decrease at all. 
By XXXX, instead of decreasing, my balance transfer balance increased as follows : XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1400.00} XX/XX/XXXX : {$1400.00} XX/XX/XXXX : {$1500.00} XX/XX/XXXX : {$1600.00} By XX/XX/XXXX, my balance transfer had risen to {$1600.00}. 
I did not transfer any additional balances since opening this card in XXXX or earlier. 
Major Concerns : Despite making continuous payments every month, my balance transfer should have been decreasingnot increasing. 
Chase representatives initially stated that a balance transfer can not increaseyet my statements prove otherwise. 
I have never received a clear explanation for why my payments were not reducing the balance transfer principal. 
Today, in XXXX, my balance transfer is once again at $ XXXX 10 years laterdespite making payments for a decade. I only trasnsferred less than {$3000.00} My Formal Requests : A full breakdown of payment allocation history from when the card was opened to XXXX. 
A detailed explanation of why my balance transfer increased instead of decreasing. 
Clarification on whether hidden fees, misapplied interest, or improper payment allocation has caused this issue. 
A review of Chases payment allocation practices to determine if they have violated fair lending laws. 
I take this matter seriously, and I will escalate it further if necessary. Please provide a written explanation of these concerns within 30 days.
Product: Debt collection

I have disputed account # XXXX with AFNI on XX/XX/2016 and sent my dispute certified mail requesting validation of this debt. AFNI failed to provide me with a copy of any viable evidence, bearing my signature. A second certified letter was sent XX/XX/2016 and I have not heard back from AFNI, They are now out of compliance with the FRCA. I 'm sure we would both like to handle this outside of court, so all I ask is that you remove this listing from all the credit bureaus. If you refuse, i will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

XX/XX/2022 a fraudulent charge hit my account of {$2900.00}. Before this occurred I received an email stating someone had logged into my account password and changed my phone number number out of XXXX, Colorado.. I immediately called the bank and by the time I went through automation and spoke with someone the charge had hit my account.. Chime explained I would have to call back once the charge settled. I called back Friday to file dispute. Not even seven hours later they closed my dispute stating the transaction was not suspicious. I filed a police report here locally and in XXXX, Colorado Police Dept and spoke with store manager of XXXX XXXX where the transaction occured. Everyone except Chime financial is doing there part to help. I have worked so unbelievably hard for that money and when someone steals my bank information and makes a purchase in a state I've never been. Chime declines me and refuses to do their part. I was XXXX. police report was filed with both states LA XXXX CO XXXX
Product: Checking or savings account

I have had this billpay account for 10 years and this has never happened before. On XXXX XXXX I had a payment to XXXX XXXX XXXX set up to be paid and the check was sent out ( see attached ). I got an email stating I had to confirm the check was good from the fraud department, I checked the " yes '' box ( this was the second payment to this company in a month and the first payment I had to call the fraud dept and they paid that check ). Why then would they ask if this second check was good or not. I also have plenty of funds to cover that check on the 16th ( see attached account summary ). On XXXX XXXX I received a call from this vendor that the check had been sent back by XXXX as a " charge back ''. I was so embarrassed as this is a new vendor of my company. I made an inquiry and just got a generic response ( see attached ).
Product: Mortgage

I have a mortgage with XXXX Lakeview Loan servicing LLC., I recently again had my payments raised and can not contact them. I have called and emailed them and have not had any results. Lakeview sent a letter stating that my escrow was short again due to the following reasons and why my escrow increased my mortgage payment. # 1. The projected amount at closing increases or decreases Closing was 5 Five years ago! # 2. Property taxes increase or decrease. I have a letter from my county stating my property increased in value but my taxes remained the same! # 3. Homeowners insurance increase or decrease. I spoke to my insurance agent and my insurance has not changed at all. # 4. Change insurance company I have not changed insurance company I have the same insurance company. # 5. We pay delinquent taxes on your behalf., I have not been delinquent on any taxes. So none of these reasons apply and I can not get any response from Lakeview Loan servicing LLC.
Product: Credit card

I made a promotional balance transfer around nine months ago and am still paying it off. An older promotional balance transfer was paid off last XXXX when it was set to expire. In XXXX and then in XXXX, I made two purchases of approximately {$33.00} and {$66.00} respectively.

I made payment {$330.00} and {$480.00} to cover these purchases and reduce the promotional balance transfer. However, my latest statement is showing a balance remaining on purchases and interest charged. No one has explained to me why the purchase balance was not paid off and why interest is being charged when my payments were made in less than 25 days from the day of purchase.