23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 someone accessed my account with chime, a division of XXXX XXXX XXXX, and made an unauthorized transfer of {$800.00} to a temporary email ( XXXX ) at XXXX XXXX  central time. I filed a dispute with Chime at XXXX XXXX central time and was alerted of a decision of denial within a hour. I called chimes customer service back and requested my dispute to be reopened. On XX/XX/2023 I was once again told my dispute was denied due to no error occurring. I have requested copies of the documents chime has that were used to determine the outcome of my dispute. I have copies of the emails alerting me of the transfer ( s ).
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 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 alleged fraud or extortion. 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: Mortgage

An ongoing investigation of this matter is still in process, but they have have set a date to foreclose without a resolution. How is that possible. A few years ago I applied for a small loan from CitiFinancial and was told that they only had loans for {$15000.00} or more, I later found out that was n't true. Well that was too much and the amount of time to pay it back, 15 years. Soon after, I was told that they could n't use the property because it was rental property and I was so glad because I really did n't want to risk my family home. CitiFinancial then told me that they could use my primary residence for collateral and I was okay with that, but still not okay with the amount and time to pay back. But after some convincing from my spouse and CitiFinancial, I reluctantly agreed. So a few years later, I went to a small loan agency in my hometown to borrow at least {$1500.00} to repair some damage that was done by tenants, only to find out that CitiFinancial placed a lien on my property anyway. My contract has in writing, the right address, but they put a lien on the rental property anyway. How is that legal and okay? They did what I call a " switcheroo ''. Looking at the contract, it appears that everything is on the up and up. I confronted CitiFinancial reps with this info and they did n't deny it. They only said that they would have to get the surveyor back out to the property and to this date, he has ever shown up. It was n't until earlier this year while on Consumer Affairs and XXXX XXXX, that I realized just how corrupt and fraudulent CitiFinancial really is. My husband and I both became XXXX within a year of each other and therefore became behind on payments, I tried several times for loan modifications and a forbearance and they never ever called me back. I have never had a modification or forbearance to save my home. I wrote CitiFinancial, Federal Trade Commission, and a few others with my claim. CitiFinancial said that they would do an investigation, which is still ongoing. With that being said, how is it possible that they can proceed with foreclosing on the property with an ongoing investigation? Or could it be, and this is what I believe, that they never ever investigated my claim? I 'm desperate for help to save a home that was n't meant to have a lien placed on it in the XXXX place. There are those that feel that the system works, but it truly does n't. I 'm not trying to get from under a loan. And what angers me the most is that the people that are guilty of this will suffer NO PUNISHMENT at all for their illegal acts. But I will suffer for many years to come because I foolishly trusted a company named CitiFinancial. I committed no crime. I just fell behind in payments from natural events that I had no control over. And it 's not fair. DO N'T EVER DO BUSINESS WITH THIS COMPANY! Look for yourself. Go to ConsumerAffairs.com and XXXX. Hundreds and hundreds of complaints. Even after being sued a few years ago, they still have n't changed. CitiFinancial is like a runaway locomotive with no one to stop them and do n't even seem to care. Just get the money my any means necessary and at any cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act, these accounts listed has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education Account XXXX XXXX Department of Education Account XXXX XXXX Department of Education Account XXXX XXXX Florida Department of Revenue Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

It appears there's been some confusion regarding my XXXX account. Despite returning the phones and receiving a refund for my deposit, I was surprised to learn that my account was sent to collections. I never received a bill from XXXX, and I believed the account was closed after returning the phones. To provide a timeline : - On XX/XX/XXXX, I reached out to XXXX to switch from XXXX XXXX XXXX XXXX 
- My account was created on XX/XX/year>. 
- On XX/XX/XXXX, I received the phones from XXXX. 
- XX/XX/XXXX, I reached out to XXXX to activate and switch lines over to the new phones. 
- On XX/XX/XXXX, I contacted XXXX and informed them that I decided to stay with XXXX XXXX  XXXX due to issues with activation and switching the phone lines over, and I requested my account be closed. 
- The same day, I went to return the phone at XXXX XXXXXXXX XXXX XXXXXXXX but encountered an issue with the manager. I left the store and called the customer service line, where I received shipping labels to return the phones by dropping them off at a XXXX store. 
- On XX/XX/XXXX, I received emails confirming that all three phones had been received and that my deposit was returned to my credit card. 

However, despite these actions, I recently discovered that my account was closed on XX/XX/XXXX, with a balance of {$620.00} in collections with Alliance One. I called to dispute with both XXXX and Alliance One to resolve the issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, on XX/XX/XXXX I paid {$16.00} and sent a notarized certified letter with an Identity Theft Affidavit to XXXX  and Experian regarding a fraudulent account on my credit reports. 

I received notification that XXXX and Experian received my notarized certified letter with its contents on XX/XX/XXXX. In accordance with the Fair Credit Reporting Act Section 611, the credit bureaus have 30 days to investigate and remove, block the fraudulent account in question that is being disputed. 

I have paid a consistent {$24.00} over the last several months to my credit monitoring account to refresh my credit reports monthly to keep track of this issue. 

It is now XX/XX/XXXX and the fraudulent account has NOT been removed from my credit report and causing an on going hardship on me and my family because of this. I am submitting a complaint to the Consumer Financial Protection Bureau for assistance in this ongoing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX  XXXX Balance Owed : {$2000.00} XXXX  XXXX XXXX Balance Owed : {$380.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Account - XXXX XXXX, Account Number XXXX ** Dear TransUnion Dispute Department , This letter is to formally dispute the fraudulent account appearing on my TransUnion credit report, attributed to XXXX  XXXX , account number XXXX. I assert that I did not openn this account, nor have I authorized anyone to do so on my behalf. This account is fraudulent and is negatively impacting my credit score. 

I have previiously attempted to resolve this matter directly with XXXX XXXX, but they have failed to acknowledge my dispute or cease reporting this inaccurate information to your agency. I have also filed an Identity Theft Report with the Federal Trade Commission ( FTC ) on XX/XX/year>XXXX  and have included a copy of the reprtr with this letter. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I request that TransUnion conduct a thorough investigation into this matter and permanently delete this fraudulent account from my credit report. 

Attached are copies of the following documents as evidence supporting my claim : Copy of my FTC Identity Theft Report Correspondence with XXXX XXXX I expect a response to this dispute within 30 days, as rquired by the FCRA. Please provide written confirmation that the fraudulent account has been deleted from my TransUnion credit report. 

Sincerely, XXXX
Product: Credit card

Applied for XXXX Citibank Citigold accounts with promo code XXXX ( AA XXXX bonus miles ). Confirmed with multiple reps that I was targeted and eligible and would receive a total of XXXX bonus miles. Finished all the requirements and was told that they can not honor because I was not targeted. After initial complaint, Citi deposited XXXX AA bonus miles for the first account ( ending in XXXX ), but still missing another XXXX from the other account ( ending in XXXX ). Dispute has been unresolved for over 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account listed below continue to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance {$4200.00}
Product: Credit reporting or other personal consumer reports

I requested the credit bureaus to verify everything on my credit report, and they did. They stated that everything was accurate, and I did thorough research and found proper inadequacies dates on the credit report even after they did. XXXX XXXX XXXX XXXX XXXX Under the fair credit reporting act, 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 also states a consumer reporting agency can only furnish an account with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a credit monitoring alert of a collection agency Sequim Asset Solution having a collection to my experian credit report with a delinquent dated XX/XX/XXXX. I have contacted the company and spoken with XXXX XXXX XX/XX/XXXX and explained that I wanted this debt verification because the address provided I have never lived in XXXX Florida and need copies of correspondence. He hung up the phone twice and today I received another notification that this same company has also added the same collection to my XXXX  credit report of {$1200.00} with a date of first delinquent XX/XX/XXXX I called again and spoken with XXXX and let her know I do not own this debt and I need verification and wanted this debt correspondence to file a report she took my post office box address and says my correspondence will be in the mail within 7 to 10 days. I asked since I were disputing this debt and asked for this to be removed until this debt is resolved. XXXX says the debt can not be removed. Like I listed previously I have been with my current cell phone carrier over 9 years this debt is nothing that the law would allow to listed on my credit. I ask XXXX if I can have the original creditor 's name and number she gave me the name XXXX XXXX XXXX cellphone company and says I would have to look up the number myself. If this original company she says sold it to them wouldn't that information be available. I know that something unlawful credit reporting is happening and my credit is taking a hurting because of this company.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was hacked I was XXXX they my ability to pay they refused to give me my money back they invited to XXXX my money I on XXXX and feel i was as lack understand they as if I wasn't human
Product: Vehicle loan or lease

I contacted Nissan ( NMAA ) in regards to my lease. Nissan sent my registration for my lease by mail on XX/XX/21 and did not arrive to my home until XX/XX/21. The registration on my lease had already expired. Due to Nissan mailing it late, I incurred an additional fee at the DVM. I contacted on XX/XX/21 to file a complaint at Nissan and was told I would receive a call back. XX/XX/21 I called Nissan back to follow up why I didnt receive a call back since it was unfair I was charged an additional fee to pay online to the DMV. Nissan told me they do not do anything with complaints and told me oh well the additional fee they caused due to sending the registration late they would not do anything about and my problem. The representatives at Nissan not only dis not take a complaint seriously, but didnt care I had to pay more in registration cost. I was promised again for a second time a supervisor would call me back on XX/XX/21 which never happened. I fee discriminated and completely unacceptable that I paid an additional fee to the DMV for my registration due to Nissan not caring any causing me harm. I would like someone to look into this matter since I am getting nowhere with Nissan and no one cares.
Product: Credit card or prepaid card

XX/XX/XXXX RE : Dispute denied due the merchant submitting fraudulent documentation. Appeal Request and notice of CFPB filing. 

To Whom It May Concern, On XX/XX/XXXX I filed a dispute with Chase Bank for an unauthorized charge of {$1700.00} on the grounds I did not authorize or sign for the charge. At the time of the incident my card wad declined by the card reader, and I instead used my XXXX XXXX debit card to cover the remaining cost. The XXXX card was charged for the same amount the fraudulent Chase charge was for, so I was consequently double charged. On XX/XX/XXXX my dispute was denied according to the Chase representative because the merchant supplied a receipt with my signature on it. The receipt that the merchant submitted was fraudulent and the charge was unauthorized. The merchant XXXX is in XXXX XXXX and I have attached all communications and supporting documentation to show these charges were unauthorized/fraudulent. I have also attached samples of documents I initialed spanning from XXXX to this month. I have never in my life initialed using a lowercase L, and there are also other inaccuracies between the merchant receipt and my own. My wife is a first responder who has sacrificed so much during this pandemic, traveling to XXXX to help fight the spread, and as a result I am taking on two roles. Her friends wanted to celebrate her, so we put in on this celebration in XXXX. Since I was the only person with a major credit card I put the charges on my card, not knowing that it would result in myself being put into a financial hardship due to the fraudulent double charge. I have maintained good standing with Chase, and I had every intention to increase the number of accounts I have with Chase. But this charge is fraudulent and should be removed from my account immediately and permanently. I am formally requesting an appeal and I will be filing a complaint with the CFPB due to this charge being in direct violation. Thank you for your time and help in this matter.
Product: Payday loan, title loan, or personal loan

I applied for a payday loan and repaid the loan. I strongly believe that the the loan amount was re-approved without my knowledge and ended up effecting my credit score which the account went to collection on XX/XX/2018 and im noticing this effect until now. At the time i did not know how credit work or payday loans. Further more with this in effect im being stop in potential opportunity and will appreciate forgiveness for better credit experience.
Product: Checking or savings account

On XX/XX/2022 multiple transactions, including atm transaction were made in XXXX, FL. I live in XXXX, TX and was not in Florida at all. 
There was more than {$2600.00} withdrew from account by atm withdrawals and shopping. Wells Fargo is saying I am responsible for these charges bc a chip card was used. I have the card in person, I do not know anyone in Florida, and it wouldve been IMPOSSIBLE for me to have made the transactions. Wells Fargo is considering the claim closed without refunding us the amount fraudulently taken. Wells Fargo even asked us to file a police report if its fraudulent, which we have done.
Product: Checking or savings account

I have an HSA account with Optum Bank that I setup in XX/XX/year>. My company has been deducted the correct amount from each of my paychecks, but it's not showing up in my Optum Account. When inquiring they said " we have a bug where your funds aren't showing up. '' It's been over a week since I first flagged this, and over a month that this has been an issue. Nothing has been resolved. I have now needed to use these funds to make payments and have had to use my post-tax cash account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously sent my ID and bill showing my ONLY verifiable and accurate address. I also sent my social security card showing my ONLY verifiable name. The bureau still has not made this correction and continues to report inaccurate information.
Product: Credit card or prepaid card

Around   XXXX   2017 I received an email with a promotion being ran by Capital One I answered my information as outlined in the application and received a quick response that I was approved for a   XXXX   credit limit and {$300.00} credit limit the cards took about a week and a half to come when I got the cards I called to activate and was told the cards have been restricted do to some fraudulent activity but it is the fault of the card issuer they deeply apologize and say that several people received an offer they were not supposed to and they had to cancel the accounts my question is is n't that discriminatory my credit is my credit regardless of their offer they said that I could reapply which I did a couple times and was quickly denied because I had a pending or previous application with them but I was only following what they were asking me to do so I want to know how does my credit give me approved through a promotion and then without the promotion it does n't so who are they marketing this promotion to what demographic of people.
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 Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/year> I got an email from XXXX XXXX stating I owe them a debt of {$1400.00}. I have been a victim of identity theft and this is not my debt. I will pursue legal action if this debt is not removed or no longer associated with my personal name. Also, know that collections are illegal under the American federal law 15 USC 1692. Its {$1000.00} per violation so delete this.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting verifying documents to remove fraudulent activity from my report, XXXX reinsert removed items back on my report, failing to notify me in writing that they were reinserting those items back on my credit report. 
Several items are in access of 7.8 years and other items added back to report has no supporting documentation of me signing nor entering into an agreement with creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I Also known as XXXX XXXX XXXX Account number XXXX 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 # XXXX XXXX XXXX I Also known as XXXX XXXX XXXX Account number XXXX 15 USC 1681 section 602 a States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 c 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 USC 1681 s/2 A1 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate