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

HI in XXXX I got a email about a part time job offer. I have been looking for a part time job that I can work from home for a while. So I got this email and I applied for the position. It stated that the job was part time, I will work from hoe and it will pay {$400.00} a week. I will be helping kids in need that our in shelters. So a week later I got an email back saying I got the job and my first assignment was to deposit a check and buy some give cards and send it to them. The check was for {$2900.00} I was to take out my {$400.00} and buy 5 gift cards with {$500.00} on each of them so that's {$2500.00} dollars for all 5 cards. I did this four time. everything was going fine till I checked my account and notice all my money was gone out my account. Then I saw that all four checks was returned I was confused on why I didn't understand what was going on. I called the bank which is U.S Bank fraud department and that's when they said the checks was bad and the company was not real. They said that I was scamed and its nothing I can do about it. the lady said she was going to send paperwork out for me to try and get my money back. But XXXX days later I did received some of my money back but the lady at the bank said its on hold until the investigation was over. she said if my case is denied they will take the money back. I did return all the paper work they asked me to fill out. I found out yesterday which was Saturday XXXX that my case was denied. I had called the bank back because I haven't herd from them over two weeks that's when she told me my case was denied. So they are reversing the money they gave back which was only half of it. All together they took {$11000.00} dollars that ; s how much all four checks was worth. I'm fighting to get all my money back. I'm the victim they are making it like its my fault. I don't understand how come they didn't catch this with the first two checks. they are the bank and if they ran the checks through the system how come they didn't catch this. That's all the money that I have. I'm a single mother with XXXX kids. I have been saving that money for a while and need it back to pay my bills. I pray you can help me it seems like I cant find the help I need.
Product: Credit card or prepaid card

I applied for a XXXX XXXX American Express XXXX. There was an introductory offer that if I spent at least {$1000.00} dollars I would receive XXXX XXXX XXXX points. I made a purchase of {$1800.00} and paid for this charge, therefore fulfilling my obligations to receive XXXX points with XXXX XXXX. However, I have been unable to access these rewards points to make a hotel reservation. On numerous occasions I have contacted American Express about this problem. They have indicated that, due to some unknown reason, there was no hilton honors account number associated with my american express card. They then gave me a temporary password jand account number and instructed me to log on with the provided account number and temporary password and then I would be able to access my account and my rewards points. However, each and every time I attempt to do this I recieve an error message and I am unable to complete the process.
Product: Credit card or prepaid card

I have an Apple Card ( XXXX ) issued by XXXX XXXX. An important feature of the card is the ability to buy XXXX products on an installment plan with 0 % interest for 24 months. I took advantage of this offer and bought an items for {$1400.00}. on XX/XX/2021. 

I have faithfully always paid the full amount due monthly on the card since that time. 

I also used the card to make unrelated purchases from non-Apple merchants. One of those purchases needed to be refunded. The merchant refunded the money to my card. Note that this was after I had paid the balance on the card. I assumed that like any other credit card I would then have a negative balance on the card and could then get a check issued to me ( as per 1026.11 of the Truth in Lending act ). 

However, even though I have a negative balance on the card Goldman Sachs has refused to remit the funds to me. Instead they are holding the money and claim that they will apply it to any amounts I may owe in the future on a monthly basis. According to Goldman Sachs ' representatives this is because I opted to use the 24 month interest free offer. 

This is a clear violation of the Truth in Lending Act -- - and also unreasonably changes the terms of the 24 month interest free purchase ( which even they call an " installment '' plan ) after the fact. It is unethical and penalizes me for being a savvy/ethical consumer who always pays off his credit cards. Effectively they have turned a non-secured credit line into a secured credit line by holding my refund XXXX. 

I have raised this issue with Goldman Sachs customer service, escalated it to a supervisor and finally reached out to the executive offices of Goldman Sachs ( via XXXX ). They insist on holding on to the funds. 

Note that I have always paid what is due on the card. 

Any assistance would be appreciated.
Product: Debt collection

Id like it noted that I have filed XXXX separate complaints. In XX/XX/2023 they agreed to remove this charge off of my account but then they never removed it, and then stated on XXXX XXXX that I had a missed payment ( or thats what they told the XXXX ) however, Ive no idea of this account, the information is wrong and they violated HIPPA. When I called for assistance the man on the phone was aggressive, stated that XXXX wasnt my name and then proceeded to inform me that he would not help unless I gave them permission to contact me directly. As they are a third party l, they should have no right to my medical files and payments for my insurance. The man on the phone transferred me to his manager and the manager gave me the narration of debt collectors and that he would not be able to assist until I allowed them to unseal the datawhile acknowledging that the they were indeed supposed to remove this charge off of my accounts. This is illegal and needs to be dealt with because they claimed that I have missed payments, affecting my scores and are continually haulting improvement.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report.
Product: Credit reporting 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. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent numerous dispute letters to Transunion on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

I've requested for a Bankruptcy account reporting to my credit profile to be removed due to it being inaccurate and invalid. Transunion has yet to provide me proof of verification of account and continues to report this Bankruptcy account which has hindered me from acquiring credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give these companies permission to view my consumer report. 

CITIBANK XXXX, BEST BUY XX/XX/2020
Product: Debt collection

I received a phone call from the following number XXXX. This is the second time i received a call from this company that will not give me their name and state i owe a debt. Case # they have is XXXX. They claim i owe a debt from bank of america and they are coming to my work to serve me papers. Now i previously had a call from this company or similar stating the same thing. When asking for proof of debt, they only state i will receive it when I am served. They have my social, they are very rude, condescending, and threatening which is concerning. Now when i received the first call back in XX/XX/2019 I was so shaken up. I called Bank of america and they are unable to locate me owing them a debt and that this may be a scam. The company calling me states i owe {$800.00} and they are sueing for {$2000.00}. When mentioning to them i have never received notice of this and my call with bank of america they became upset and hung up on me. I have even checked my credit and there is no such amount showing. Please help.
Product: Credit reporting

I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( XXXX, XXXX, TransUnion ). I submitted a police report, FTC report and letter XXXX times and they refuse to remove these in violation of section XXXX. Under this section, all disputed account must be blocked within XXXX business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 
Here is a list of the Companies and dates of the inquiries : XXXX XXXX XXXX XXXX SC XXXX TU XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TU XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2023 received a letter indicating Notice of Data Breach with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit report shows several errors that should be clear to the customer service representative however they will not correct 1 ) XXXX account # XXXX shows paid in full XXXX balance which is correct however transunion also has monthly payment as XXXX when the account has a XXXX balance the monthly payment should now report as XXXX 2 ) XXXX   accounut shows a account balance of {$5.00} but a monthly payment of {$30.00} how can this be correct 3 ) XXXX XXXX XXXX account XXXX account shows last update as XX/XX/2018 however the account has paid in full and has a XXXX balance
Product: Checking or savings account

On XX/XX/2019, I had noticed my Chase Visa debit card was not working, I tried my other one and it didnt work either. I checked my app and I had plenty of money to purchase the diapers and other supplies for my daughter. 

That same day, I had went to a Chase branch at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, where I decided to withdraw {$8000.00} so I could have cash ready for every day purchases due to the unknown debit card issue. That same visit I brought a check for {$360000.00} to put into a business account I intended to open that day with Chase Bank, when I tried to withdraw the money from my personal account the teller had a problem but had no information as to why. The branch manager worked with me and we found out that Chase Bank closed my account, I also had a pending ACH for {$25000.00} going to my personal account which had not hit the account yet. That day I had also noted that my debit card ending in XXXX was used multiple times in Texas fraudulently. I called Chase Bank to report the charges, the agent told me I would receive a credit for the charges while they investigate the claims, However Chase Bank did not credit my account accordingly.
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. there are items in my file that are erroneous and needed investigation 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

EQUIFAX was notified by mail and fax on XX/XX/XXXX - of IDENTIFY THEFT AND FRAUD activity. EQUIFAX violated FCRA regulations and my rights as a consumer. I was told they needed more information to close an account that was opened while an active ID theft alert is on my credit report. Equifax stated my original documents ( police report ) were deleted. 

My social security number has been compromised. I am a victim of Identity Theft ORIGINALLY REPORTED and announced to all credit reporting bureaus as of XXXX. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following company XXXX XXXX was notified in XXXX that I have not done business with them or opened an account. The account was removed and now in XXXX a new account shows up as opened in XXXX. The following account does not belong to me and is a result of fraud that I did not authorize : XXXX XXXX - not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA XXXX ( XXXX XXXX. & XXXX XXXX ) which states that this account must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit reporting or other personal consumer reports

As a Consumer, my rights have been violated according to the Fair Credit Reporting Act. * 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. * 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. * 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I have never been under contract with this creditor, I insist this creditor ( XXXX XXXX XXXX XXXX ) close and remove this late negative charge from my account. I was never under contract with this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX  XXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX  XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$44000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX  XXXX Balance Owed : {$6300.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.