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

I attempted to transfer {$790.00} from my Albert bank account to my XXXX XXXX on XX/XX/year>. The transaction was initially canceled due to insufficient funds, but the money was still deducted from my account and placed on hold. 

I contacted Alberts customer support multiple times, and they informed me that the transaction is now marked as in progress and will be completed by XX/XX/year>. They could not provide a clear explanation of why the funds are on hold if the transaction was canceled, nor could they expedite the process. 

I need access to these funds to pay my rent before XX/XX/year>. Alberts representatives were unable to release the hold or provide a satisfactory explanation, leaving me without the funds I need for an essential expense. I am at risk of losing my apartment due to this! 

I am seeking assistance in having my funds released before the stated date. 

Thank you for your attention to this matter.
Product: Bank account or service

Fraudulent applications at Citibank in my name and soc sec #, including a fraudulent address, have not been cleared by Citi at XXXX or at XXXX I submitted an FTC Identity Theft report on this XX/XX/XXXX, no action resulted, and resubmitted to Citibank on XX/XX/XXXX ; Citibank would only delete an entry they say was XX/XX/XXXX but not one they say was XX/XX/XXXX. I can not reach anyone at Citi who will address this issue as it involves a checking account? - I do not know and was never notifed by them of this at any time. Citi is not communicating with me in any way and I can not reach anyone there by phone who can assist. I just resubmitted an FTC report showing Citi fraud started XX/XX/XXXX but do not know if this is going to help
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C.1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified. I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards for every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making. The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. [ XXXX XXXX XXXX Account # XXXX ], [ XXXX  Account # XXXX ]. Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I got an alert on my credit XX/XX/year> that an hard inquiry was performed on my credit report. I did not or have not authorized XXXXXXXX XXXX to pull my credit therefore this is an unauthorized inquiry and transunion u are in violation of consumer law 15 usc 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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
Product: Student loan

I HAVE A PRIVATE LOAN FROM A XXXX I ATTENDED, MY MOM WHO IS NOW RETIRED AND NO INCOME WAS THE CO SIGNER. I AM NOW WORKING ON MY CREDIT AND WAS FORWARDED TO A LAWYER WITH NO PAYMENT OPTIONS. SECOND I DO N'T EVEN HAVE A JOB IN THE FIELD I STUDIED. NEED MORE EXPERIENCE THAN DIPLOMA ACHIEVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian to tell them about some inquiries on my credit report that were fraudulent. A rep from experian told me to file an ftc report and upload online then call them back so they can remove the fraud inquiries. I did what the first rep told me and I called back and got someone different and they told me a totally different thing to do. I just want my credit report
Product: Credit card

I received bill from Bloomingdale and found out that I a have card with them. I never opened any accounts with Bloomingdale, never made any purchases and never received any products. The first and last name was spelled completely wrong on a statement. I called immediately and reported it, but I still getting bills from them.
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. 

Account name : XXXX XXXX  Acct # XXXX Account name : XXXX XXXX XXXX account # XXXX Account name : XXXX XXXX XXXX ACCOUNT # 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, credit repair services, or other personal consumer reports

Hello, Happy XXXX ... ..on XXXX XX/XX/XXXX I mailed off a dispute letter after learning that there was something on my report from this company called XXXX XXXX XXXX XXXX They sent me a letter asking for a payment and not proof. So recently XX/XX/XXXX I sent them another letter asking for more proof or else I will have to file a suite against them. Still nothing. I too reached out to the credit bureaus for reporting this false information on those same dates. Including XXXX on all three Credit Bureaus. Transunion, XXXX and XXXX. This past XX/XX/XXXX I sent a second round of letters asking for them to please provide proof or remove the documents. Everything I mailed off was certified mail and was tracked. They did receive everything I mailed off. No one has provided me proof according to Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Product: Credit reporting or other personal consumer reports

Recently reviewed a copy of credit report and noticed I have a fraudulent collection account by Consumer adjustment Co. For {$560.00} was opened in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery/XXXX XXXX # XXXX is reporting a collection on my account that I never received any notice of. I currently have XXXX XXXX and I was never sent anything letting me know the account was going to go to collection, I only found out about it when I checked my credit. This is in violation of my 30 day right to dispute.
Product: Prepaid card

I got a American Express gift card that kept declining ( original complaint XXXX ). American Express advised that they sent a refund check to my address in the amount of XXXX and that I should receive the check within 3-5 business days of XXXX. Today is XX/XX/XXXX and I still have not received a refund check. I called American Express on XX/XX/XXXX to inquire as to why I have not received the check and the customer service rep was extremely rude and after placing me on hold for 20 minutes she hung up the phone. This is UNACCEPTABLE!!!!!!! I called back to American Express again today and was told there is nothing they can do since they already mailed the check. Well apparently the check is lost because it should not take 15 days to receive a check coming from XXXX to XXXX!!!!!!!!!! There has to be something America Express can do to expedite this process!!!!!!!!
Product: Credit card

XX/XX/year> President of American Express CFPB FTC XXXX  RE : Denial of credit and open-ended credit as a federally protected consumer Violations : Title 15 USC 1691 Denial of Credit Title 15 U.S. Code 7006 ETF Act Title 15 U.S. Code 1637 and Title 15 U.S. Code 1602 ( j ) American Express breached my rights on two counts as a federally protected consumer by their denial of credit and denial of an open-ended consumer credit plan.

Additionally, pursuant to Title 15 U.S. Code, 7006, I claim the authority vested in me as the Authorized Representative Agent of the Consumer, to ensure all debts are settled in an honorable manner. I authorize the Indenture Trustee , of America Express, per 31 C.F.R. 329.6 stamp medallion accommodations, where a violation is ( securities fraud ), as the intent is to settle all debts in accordance with Title 18 U.S. Code 8, effective on all financial transaction for this account, past present and future.

I request this unlimited credit line be accommodated pursuant to all the U.S. Codes and CFRs, CFPBs, and any other regulatory agencies applicable by law to ensure all protections, rights, allowances and any other authorities granted to the A.R. Agent, Beneficiary, TTEE, and all other agents acting on behalf of the Consumer, be allocated their rightful authority to settle all debts accordingly to Title 18 USC section 8.8 USC section 8, in addition to all violations of U.S.C. 6801-6805.
Product: Bank account or service

I have XXXX debit card transactions that occurred a day prior to an ATM withdrawal ( ATM withdrawal resulted in an overdraft of the account ). However, the ATM withdrawal ( which occurred a day after the debit transactions ) posted to the account before the XXXX debit card transactions, so instead of an overdraft fee ( {$35.00} ) for the ATM withdrawal I received XXXX overdraft fees ( {$140.00} ). XXXX for the withdrawal and XXXX for each of the debit transactions. I called the bank ( Wells Fargo ) and spoke with a customer service agent and then a supervisor ( XXXX XXXX ). The supervisor repeatedly refused to provide contact info for his manager, or anyone above him, and repeatedly stated " We are all going to tell you the same thing ''. He eventually transferred me to a department so I could " file a complaint '', but when transferred I was asked to enter an extension from the directory and the line disconnected. I was given no such information from the supervisor who transferred me. 

I have researched the practice of batching the posts for the day and then posting the highest items first. I understand this is a " legal '' practice. However, the overdraft item ( ATM withdrawal ) occurred a day after the debit card transactions. So in my case, this should not apply. 

Which raises another concern. The supervisor I spoke with notified me that all three of the transactions were listed as " Credit '' and not " Debit ''. XXXX of these transactions are from a market right across the street from my employer. I visit this place almost daily and I ALWAYS select " Debit '' and enter my PIN. There is absolutely no chance that I accidentally ran it as credit. 

So the second component of my complaint is that assured " Debit '' transactions are showing up as " Credit '' transactions once processed. I have been told by multiple agents ( Wells Fargo customer service ) over the years that as long as I run the transaction as " Debit '' the funds will come out of my account immediately ( If ran as credit there is a valid delay in posting, depending on the merchant ). I have an inclination that the supervisor I spoke with may have been misleading about my transactions posting as " Credit '' in order to give a reason why the fees were valid, but I have no evidence or documentation to confirm this. 

To summarize, my bank has issued XXXX overdraft fees ( {$35.00} each ) based on the posting order of items. However, XXXX of the transactions were made when there were sufficient funds in the account. And further, the transaction that caused the overdraft occurred a day after the other transactions. I know my fees are relatively low for filing a formal complaint, but I tried contacting the bank for assistance and feel I have nowhere else to turn. Thank you. 

I called Wells Fargo on XXXX/XXXX/2015, approx. XXXX CST. 
The name I was given of the supervisor is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX To Whom It May Concern, I am writing to request the removal of certain closed accounts from my credit report. Below are the details of the accounts and the actions taken : Account Details : XXXX Account Name : XXXX XXXX XXXX & XXXX Account Number : XXXX Date Account Was Closed : XX/XX/XXXX Issue Description : On XX/XX/XXXX, I reviewed my credit report and noticed that XXXX XXXX XXXX XXXX XXXX are still being reported. The account was closed on XX/XX/XXXX, and I believe it should no longer appear on my credit report, as it is no longer active. 

Actions Taken : Contact with Company : On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX XXXX via phone to confirm the status of the account and its closure. I spoke with XXXX who confirmed that the account was indeed closed on XX/XX/XXXX. 

Follow-Up : I also followed up with a call to MLGW and file a dispute on XXXX, XXXX, and Experian. 

Current Status : As of XX/XX/XXXX, the closed account still appears on my credit report. 

Desired Resolution : I request that XXXX XXXX XXXX XXXX XXXX remove the closed account from my credit report as it no longer reflects my current financial situation. I believe this will help accurately represent my creditworthiness. 

Please let me know if any additional information or documentation is needed to process this request. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EXPERIAN, XXXX and XXXX credit bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. Here are the items that needs to be remove in files : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$760.00} ; XXXXXXXX XXXXXXXX XXXXXXXX Balance Owed : {$75.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to remove gradient account from my Experian credit report. According to fair credit reporting act, any inaccurate information must be removed from credit report. I have not signed contract electronically from XXXX XXXX. Also address on contract does not match with the address on my identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted a dispute to Experian dealing with the following accounts asking for the original signed contract. I never received anything back within the 30 day period. I then sent in another 30 Day Demand letter asking for the original contract again. I still have not heard anything. Under the FCRA, failure to hear anything back within a 30 day time period, should be an automatic deletion. Furthermore, being that I have received no validation or verification should also result in an automatic deletion!! XXXX XXXX : XXXX XX/XX/XXXX : XXXX XXXX : XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report, I found Medical Collection accounts which should not be in there. According to the HIPAA 1996 law section 1681b ( g ) ( 4 ) They are not allowed to disclose such information to any other person, this is clearly a violation to my privacy. My consumer rights has been violated under the HIPAA laws. I did not give permission to release any of my medical information.