23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We have a dispute BOTH with XXXX XXXX XXXX, as well as with Citi Card XXXX Citi ) in XXXX XXXX XXXX XXXX. I intend to file a separate complaint with XXXX over its rental of a dangerous electric vehicle which died in traffic. 

I have disputed XXXX 's charges with Citi. Citi 's ' automated system apparently only accepts disputes involving purchases of GOODS! voulminous information I have sent to its XXXX XXXX headquarters ( as requested by it, have produced the following response : " We are unable to assist you with this dispute as the documentation that you provided is an estimate. It is not the actual sales RECEIPT for this PURCHASE. '' [ emphasis added ]. 

XXXX gave us NO receipt. upon return of the vehicle we subsequently rented. It later send a copy of the original contract which I submitted to Citi. Note -- this was a service, not conventional purchase of a product. Since XXXX has nver sent me an actual bill for the claimed rental cost, Is the only way for me to get a " receipt '' to pay the disputed amount charged to XXXX 's credit card and then submit a cancelled check ''?
Product: Checking or savings account

Companies Involved, Chase Bank : Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  Dispute : I closed my bank account with Chase because there was a zero balance. They charged me for monthly fees, overdraft fees, and also XXXX XXXX XXXX mistakenly charged me than reversed it on this closed account. Chase Bank has sent me a bill for {$48.00} which are all overdraft & monthly fees caused by them not closing the account. 

Dates/Facts On XXXX XXXX, I wrote an email to Chase Bank and asked them to close my account as I now had a zero balance. I also made a phone call and talked to them. I called XXXX XXXX XXXX as well. unfortunately, there was a mistake, XXXX XXXX XXXX had not stopped their monthly withdrawal on my account. I spoke to someone at Chase and emailed them as well. 
XXXX XXXX - XXXX XXXX XXXX checking account {$60.00} chasebank account. Additionally, they charged XXXX XXXX XXXX {$60.00}. 
XX/XX/2023 NSF Charge for XXXX overdraft fees XX/XX/2023 Reversal of {$60.00} XX/XX/2023 Reversal of {$34.00} XX/XX/2023 Bill payment of {$60.00} XXXX XXXX XXXX Monthly Service Fee of {$12.00} XX/XX/XXXX. XXXX  Reversal Bill Payment of {$60.00} XXXX XXXX 2023 Monthly Service Fee of {$12.00} XXXX XXXX, 2023 Monthly Service Fee of {$12.00} XX/XX/2023 Overdraft {$48.00} XX/XX/XXXX : 2023 I received a letter in the mail from Chase Bank stating that I owed {$48.00}. I dont undersand how the banking industry gets away with stuff. I would also like to let you know that I have spent 1 hour with 3 different chase representatives trying to work this out and they refuse since they conveniently have sent this to collections.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 or any adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get this issue cleared up with Equifax, I have called the corporate office and spoke with reps been placed on hold for hours with no resolution. I needed 28 confirmation disputes resent to me because equifax has been adding accounts and addresses on my credit report since the breach. I spoke with a rep on XXXX/XXXX/XXXX and after giving her the 28 confirmation numbers i need paperwork for and after doing all of that they still had my address wrong as XXXX XXXX XXXX XXXX XXXX, XXXX nc XXXX. There is no XXXX XXXX for my address, I have sent in my drivers license, social security card and a copy of my light bill for the address and they still have my address wrong, I stayed online for over 1 hour waiting for a supervisor and i had to hang up. I will attach the copy of the calls, the addresses on my credit report they even have addresses in Virginia and Georgia that are not mine and they keep adding incorrect information on my credit report.
Product: Student loan

I have been attempting to obtain my historical loan information specifically the schools, amounts and dispersement dates for my balance. Everytime I am called the automated service does not connect me to a person just pre recorded information. When I am able to speak with someone they tell me to call someone else and they can not help me. Most recently I was told they would only assist through mail and I had to wait for a letter for assistance. The letter directed me to NSLDS. The number provided bin the letter is not for the NSLDS. When I XXXX  a number for the NSLDS I was told they do not handle any borrower inquires and only work with loan providers.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 

Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : XXXX. XXXX XXXX XXXXXXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 

Collection Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$480.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$270.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$86.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Balance : {$100.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ).
Product: Checking or savings account

Its been over a year. For one it took for me to complain here in order to get a response from them. After complaint for months trying to see what was going on and why they denied claim and there evidence they responded to they use a system to verify thats not good enough I need answers because this is a lot of money and Im having to pay this back when the money was already took from me in the first place. Ive recently received information on who compermised my account I have text messages of the owner of the company admitting to her employee stealing from me yall gave me my money back and took it back thats y she thinks I got paid back this is annoying and Im ready for a lawsuit at this point made me loose my home and XXXX my kids stressing over money thats been wrongly taken from me Ive filed a police report what more do they want charges and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX like this was not me Ive submitted proof of days I know for a fact I was occupied unable to get out and make transactions and they still denied Ive reached out to the merchants and asked about the purchase on my card with the last ending 4 of it and theres no account for me there I contacted a place that was high in they require u to show Id and scan when purchasing I request the id scan there was none like what investigating did they do I want my account back I had a good amount of money going in and I want my money
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and file a complaint regarding a debt that your agency, Amsher Collection Services, claims I owe. I recently became aware that this alleged debt has been reported to the credit bureaus and is negatively affecting my credit report. Additionally, I have received communication from your agency that I believe to be threatening and in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have not received sufficient documentation validating this debt, as required by law. Under the FDCPA, I have the right to request validation of any alleged debt within 30 days of initial communication. You are legally obligated to provide proper verification, including the name of the original creditor, the amount of the debt, and proof that I am legally responsible for it. As of now, I have not received this information. 

Furthermore, reporting this disputed and unvalidated debt to the credit bureaus without proper investigation and notification is a potential violation of the FCRA. I am formally requesting : 1. Validation of the debt including a detailed itemization and the name of the original creditor.

2. Immediate cease of all threatening communication until the debt is properly validated.

3. Removal of the account from my credit report if it can not be verified.

If Amsher Collection Services continues to pursue this debt without proper validation, or continues to report inaccurate or unverifiable information to the credit bureaus, I will be forced to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

Please treat this letter as a formal request for debt validation under 15 U.S.C. 1692g and a dispute under 15 U.S.C. 1681i of the FCRA. I also request that all future communication be made in writing only.
Product: Money transfer, virtual currency, or money service

Everything was fine suddenly they send me and email telling me that they noticed activity in your account thats inconsistent with their User Agreement and they no longer offer me PayPal services. But I only used my account and my card to recived unemployment benefits and the advance child tax credit. I dont used for business or selling. I check a year of statements and I dint fine nothing where I was breaking the rules or the policy. I try to talk to them and they dint give no answer they told me that they dont have any coments to read the poly terms but there is nothing. And the problem in here is that I can used my money the money that I have in the account because they give me account number routing number and debit card and they keep my money with out any explanation. Please help. I just want my money back to transfer my money out.
Product: Debt collection

This company adds a negative credit remark to my credit saying I owe them {$6000.00}. I contacted the company they had incorrect contact information and I disputed the account that I knew nothing of. I explained to them I had no knowledge of the account and they stated it was my problem. I asked for the account to be removed from my credit as it was not mine. They promised theyd send me written information and have not as of yet. They stated it had my name on it snd it was my issue and to make payment arrangements with them. I explained to the rep it was not my account
Product: Mortgage

My original monthly mortgage statement for XXXX XXXX is {$1700.00}. On XX/XX/XXXX, Freedom mortgage conducted an escrow analysis due to my homeowner insurance premium increasing for fy XXXX by {$260.00}. An escrow shortage was determined for that amount. I made XXXX ( XXXX ) payments on the escrow shortage : one on XX/XX/XXXX for {$130.00}, and the second on XX/XX/XXXX for {$130.00}. Totaling the shortage amount of {$260.00}. 

I recently received my XX/XX/XXXX mortgage statement for the amount of {$1700.00}. 
It is a {$20.00} difference. My wife and I called Freedom mortgage several times to get a clear understanding on why the mortgage would still increase even though any and all escrow shortages were paid in a timely manner towards XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( supervisor ) ID # XXXX would not provide a clear understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Transunion Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX XXXX
Product: Debt collection

I discovered an item on my credit bureau from XXXX XXXX XXXX regarding a Payday Loan From XXXX XXXX. In attempting a resolution on XX/XX/XXXX I requested removal from my credit bureau in exchange for payment, despite belief the loan itself violated the laws of Texas. 

2 employees, including one claiming to be a manager, advised me, repeatedly, that the FCRA prohibited removal of items. I contested this as I know it to be untrue. They persisted until finally admitting it was not the law, and they were unfamiliar with the law, but it was what their company policy stated. When advised that they can not represent internal policy as law they became beligerent. I confirmed the call was recorded and advised I would be filing a complaint. 

Contact with XXXX XXXX advised me, by email, the debt belonged to : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX XXXX In investigating this firm by phone number I have found they have had numerous shell agencies over the years, which are repeatedly closed for illegal practices. 

As I offered payment to XXXX XXXX dba Cash Central, despite a firm belief the loan was illegal, and they refused, and the collection agency engaged in clear misrepresentation of the FCRA, I believe both to have engaged in illegal practices.
Product: Checking or savings account

Hello, The complaints is against an array of businesses connected to my checking account. First business is Chase Bank, they allowed a consumer to charge my account after I alerted them of not making the charge, they allowed XXXX to charge a locked card/account. This is not the first time this has happened in regards to chase I have changed bank account numbers within Chase bank because I am unable to change banks at this time. They allow people to process fraudulent charges continuously on my account while it is locked and then I am put in positions that require me to change my account number XXXX times within 2 years, and I have to get new card numbers at least 4 times in 2024 alone. Which makes accounts that I have to pay late because of my account being blocked by Chase because of the fraudulent activity they allow. Next we have XXXX, transactions take awhile to release especially when they're XXXX  to XXXX  customer transactions they will sometimes hold the money for 2-3 days. Lastly, during all this XXXX has access to charge my bank account without having the new card on file, so I am unable to access how they have access to an account without a card because I never use my checking account number as payment for checkout. Between XXXX, Chase and XXXX and XXXX something needs to be done because they are indeed stealing from customers.
Product: Checking or savings account

XX/XX/XXXX I put a check into the the citi bank located at XXXX XXXX XXXX XXXX, NY XXXX. At the time I deposited the check I was told that if I leave the funds in the account for 90 days I will receive {$1000.00}. After this promotion was verified by the supervisor, I accepted the terms. 90 days has past and I called to see how do I retrieve my {$1000.00}. I was told that I need to have a promotion code in order to get my money. I was not told that i needed a code in order to take part in the promotion or to recieve my money at the end of the promotion. I have tried to get in contact with the branch supervisor and manager and have not recieved and response from them. 
Citi saving XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

am victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that i have made. It is the result of identity theft. Inquiries 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX Pursuant to section 605B of the Fair  Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days. 

FAILURE TO DO SO WILL RESULT IN CIVIL ACTION. 

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days. 

THIS IS MY THIRD AND FINAL REQUEST FOR YOU TO REMOVE ILLEGAL INQUIRIES FROM MY CREDIT FILE. VIOLATIONS OF THE FCRA ARE PUNISHABLE UNDER FEDERAL LAW. 

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days.

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days.

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days.

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days. 
Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days.
Product: Credit card or prepaid card

I thought I was on auto pay, things got messed up. Never got a response
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Never received communication per the FDCPA No right to dispute No validation No monthly statement
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX date of Birth : XXXX IDType : identification cardIDNumber : XXXX Address : XXXX XXXX XXXX XXXX KS XXXX Contents of Complaint XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$52.00} fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

As I checked my credit report, the fraudulent inquiries are still there.
Product: Credit reporting or other personal consumer reports

Capital one has multiple inquiries on my report that they in fact stated would be removed 90 days later they are still on my report