23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

This complaint is associate with my XXXX XXXX XXXX. " Convenience '' checks carrying a 0 % APR were recently sent along with my monthly statement. The description of " Fees '' associated with these checks only refers to " balance transfers '', which are subject to a XXXX % fee or {$5.00} whichever is greater. I used XXXX of the convenience checks to pay a contractor working on my house, these checks were NOT used to transfer the balance of another credit card. The XXXX checks were written for {$2500.00} and {$240.00} respectively. I was charged fees of {$100.00} and {$9.00} respectively for using the checks. I called the credit card company to protest the fee, explaining that the fee description only mentions balance transfers as being subject to a fee, and that I did NOT transfer a balance from another credit card. I repeatedly stated my case and requested a refund of {$100.00} - the combined total of the XXXX fees. The credit card company has refused to issue me a refund. I find their description of fees for the use of these checks to be totally misleading and deceptive.
Product: Debt collection

On XX/XX/2020 I mailed a certified letter to Transworld Systems Inc requesting the company to verify the validity of this alleged debt. It has been over 30 days and I have not heard anything from the company and they have yet to remove this inaccurate credit debt from my credit report. This is why I am filing a complaint
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Capital One Bank NA Correspondence Team XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Copy of Disclosure Report Dear Capital One Correspondence Team, I hope this letter finds you well. I am writing to formally request a copy of my disclosure report, specifically regarding the instructions that my non-public information is no longer to be shared with XXXX XXXX XXXX XXXX, located in XXXX, GA. 

# XXXX I appreciate your assistance in this matter and look forward to receiving the requested document at your earliest convenience. 

Thank you for your attention to this matter. 

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

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX 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 XXXXXXXX XX/XX/XXXX
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 XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX, Account # XXXX, Account name : XXXX XXXX, Account XXXX XXXX, Account name : XXXX 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 or other personal consumer reports

I recently reviewed a copy of my credit report. I found personal information ( name and address ) that has been reporting on my report was incorrect/ not my information. This has been hurting me in making a car purchase. Please remove this incorrect information from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to Trans Union and XXXX  that XXXX XXXX incorrectly reported a missed auto loan payment on XX/XX/XXXX. This is incorrect as I traded the car in on XX/XX/XXXX and included documents proving the loan/car was no longer my personal responsibility after XXXX, XXXX, XXXX.
Product: Debt collection

On XXXX/XXXX/15 I was Notified that My husband owed {$1600.00} to Transworld Systems Inc for a medical Debt from XXXX XXXX XXXX. I called them and was able to get any information regarding the account other than I owed them. I called XXXX and they said that I only owed {$580.00} and I have to pay it to the Collection Company. So on XXXX/XXXX/15 I Paid the {$580.00} to Transworld System INC. They still stated that I owed {$1000.00}. I told them that no My insurance has settled with XXXX town they said that they would have to send a request for the information from roop town to have the adjustment. So Once the payment was made I asked that Transworld when I would be receiving a receipt. They told me that It would take 30days to issue a receipt for payment. I then Asked If I could be emailed or faxed it they told me no they do n't do that. So on XXXX/XXXX/15 I called to see if it had back to Transwold because the debt was still showing up on my husbands credit report. So I called both XXXX and Transworld and neither had talked to each other XXXX still was not notified of me making my {$580.00} Payment to Transworld and Transworld Still had no information about the insurance adjustment. Being that We are in the middle of trying to closed escrow on a home I let them both know that I needed them to communicate with each other and get this clear. Both Said that they have sent a request over for information but nothing has been sent back. I have called every day since ( mom-Fri ) and tried to get this issue cleared and as of today XXXX/XXXX/15 Transworld has closed the account but still say I owe {$1000.00} and have yet to notify XXXX XXXX that I paid {$580.00} to them. So XXXX still say I owe {$580.00}. At this time we have had to extend the closing date once due to not being able to get this account closed with a {$0.00} balance. I have requested a receipt several time and TransWorld has yet to give it to me.. They faxed my Loan Officer a Letter yesterday stating that I still owed $ XXXX.But no receipt for the payment of {$580.00}. When I call they say the account has been closed. I feel as if they are holding us hostage. We are currently living in a motel since we where expected to move in to our new home on XXXX/XXXX/15 and had to be out of our current home on XXXX/XXXX/15. All of this due to them being not willing to communicate with the original creditor to clear up the situation. I have offered to send them the information but Transworld was un willing to take it. I am very frustrated and feel very upset and Do n't want to see this happen to others.
Product: Debt collection

I HAVE SENT DISPUTE LETTERS STARTING FROM XX/XX/XXXX AND THESE ACCOUNTS HAVE NOT PROVEN ANY DEBTS THATS ARE OWED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I requested that Experian send me a copy of the verifiable proof they have on file showing that the XXXX account they have listed on my credit report is actually mine. On XX/XX/XXXX and XX/XX/XXXX, instead of sending me a copy of the verifiable proof that I requested, Experian sent me a statement which reads, " The information you disputed has been verified as accurate. '' Experian also failed to provide me with the method of " verification. '' Since Experian neither provided me with a copy of the verifiable proof, nor did they delete the unverified information, I believe they are in violation of the Fair Credit Reporting Act and I have been harmed as a result. I have again, today, sent my fourth and final written request that they verify the account, and send me verifiable proof that this account is mine, or that they delete the unverified account. If they do not, my next step is to pursue a remedy through litigation.
Product: Checking or savings account

I called the bank and they can not find my account. They told me that means the account was closed. I never closed the account.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against EXPERIAN regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My date of birth is XX/XX/year>, and my Social Security Number is XXXX. 

Upon reviewing my EXPERIAN credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports. I did not open the account and was not informed about it beforehand, indicating it was established without my consent.

I have already taken steps to address these issues by contacting EXPERIAN directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability.

I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my EXPERIAN credit report. Additionally, I seek written confirmation from EXPERIAN once these accounts have been corrected. I also ask the CFPB to investigate EXPERIAN handling of my dispute and its adherence to FCRA and CFPB rules.
Product: Payday loan, title loan, personal loan, or advance loan

I used this company to rebuild credit, but I attempted to close the account out since it's not actually funding. Was not successful and it was reported to my credit report with a remain balance of {$26.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy that is appearing on my consumer report that is in direct violation of 15 USC 1681b ( a ) ( 4 ) and 15 USC 1681b ( a ) ( 2 ). It is also is not associated with me. On XX/XX/2021, I received confirmation from United States Bankruptcy Court XXXX  District New York, which I have attached to this complaint. It states that there was no bankruptcy found with my information.
Product: Money transfer, virtual currency, or money service

XX/XX/20 - Sent {$2200.00} plus finance charge of {$88.00} via Walmart 's moneygram. 
Followed procedures online Received an email XX/XX/20 @ XXXX XXXX   ET stating the transfer was sent successfully and that the receiver can collect $ at the expected designation ... .was given a reference # for the receiver. 

Contacted receiver who was in Maryland that she could proceed with trip to XXXX, PA the next morning and find a Walmart in XXXX, PA to pick up {$2200.00}. 

Receiver arrived at Walmart early XXXX. and was told that the transaction was on hold. 

I contacted Moneygram per the Walmart Associate and Moneygram quizzed me on why I was transferring my money, to whom it was going and for what purpose. I explained a friend was transporting a new puppy from a Breeder in XXXX, AL and delivering cash. I found the puppy the day before and realized friend could pickup soon and delivery to me in Georgia on XXXX. Sent $ for puppy and to cover friend 's travel expenses. Moneygram quizzed me on how long I've known my friend. 

Moneygram decides to cancel transaction and refund my money, but it would take another 3 to 10 business days. So, my friend had to take money out of her account and I had to reimburse her by taking more money out of my account on XXXX. 

Walmart/Moneygram - stated this transaction was received and $ available. They caused undue stress ( and during COVID!!!!! ) and falsely led us to believe that all was handled. 

I hope this does not happen to any others!!!! I feel my rights were violated and their advertising was false. Why didn't they ask these questions upfront before taking and holding my money? I still do not have the funds released. Our bank, XXXX XXXX, is aware and we are waiting to claim fraud if they money does not come through along with the finance charge. 

Please help! 

Thank you!!!!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 a personal credit card account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX with a balance of {$1800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/23 I opened a checking account with Chase bank. I deposited a check of XXXX and XXXX that was written to myself and my roommate XXXX XXXX. 
The teller took the check had me endorse it and deposited it. A week later I received a letter stating my account was frozen due to a check error and they needed to verify XXXX XXXX, we went to the branch but her ID and social were not accepted as verification. They wanted to verify her number which they could not do in their system. We let chase know she has an account with them with the same phone number and that was not acceptable either. 
With that being said chase closed my account and refuse to cancel or void the check. 
The issuers of the check ( a chase check ) also called the bank to ask them to cancel or void the check since they wrote it and can re issue me one with my name only. 
They also declined the check issuer the right to cancel it as they claim its cashed so it will sit in holding with chase until she is verified endefinitely. Myself or check writer are provided no information where this cashed check is sitting since I no longer hold an account they said with chase. 
Additionally they will not confirm who the teller is who cashed a the check. If the check was not endorsed correctly it should not have to been cashed by them to begin with. 
They cashed an improper endorses check and because they cant verify XXXX XXXX they refuse to cancel, void, or give back the check to the issuer who is XXXX and XXXX XXXX XXXX in XXXX XXXX XXXX owned by XXXX. They are holding thr cashed check to themselves with no resolution.
Product: Credit reporting

XXXX issues : 1. I newly arrived the USA on an XXXX in XXXX, 2012, but could not obtain a Social security number until XXXX, 2012. I rented an apartment with XXXX, paid with my XXXX-based credit cards ( because I could not open a USA account. On XXXX XXXX, XXXX refused to accept payment by credit anymore and required that I pay through a bank account ; which I could not. 

Aside from this difficulty, the apartment was bug-infested. I made XXXX complaints in XXXX that I could not for medical reasons continue to stay in the apartment. After XXXX unsuccessful attempts to debug the apartment, I was offered another equally bug infested one. I moved out of my bugs-infested rented apartment. Residence management failed to attend legal arbitration when I reported bug infestation to the Maryland Attorney General. I signed out properly from the residence, assured that my rental agreement was mutually resolved. Yet, debt collectors have been on me since 2012, seeking to collect grossly overinflated claimed-default. Claims of a default have been listed on my credit report. 

2. I applied for a credit card with XXXX ( 5 ) times. On each occasion XXXX incorrectly reported that my credit score was XXXX ( XXXX ) ; even after I showed evidence to the contrary. I have had to close my account with XXXX because I never got any explanation for the erroneous credit score. XXXX credit enquiries within 1 year has affected my credit report, forcing me to secure credit at high rates. That is just wrong.
Product: Payday loan, title loan, or personal loan

I had a consultation with a XXXX regarding XXXX XXXX. To my surprise the charges I thought I was looking into were actually charged without my consent nor was I given any financial documentation. Such as lending agreements, disclosures, invoices for a treatment treatment plan, nothing.There is also a credit freeze on my Social so how they bypassed those security measures needs to be audited as well. When the bill came I began contacting the XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX advised me to go back to the XXXX which I did ask the front desk why I was charged when I had not yet agreed to the treatments. After this went back and fourth from XX/XX/XXXXto XX/XX/XXXX, I just agreed to the XXXX XXXX and then the XXXX I originally consulted with left the practice and I had to deal with an unfamiliar XXXX that I ended up not having any confidence in to adjusting my jaw and do any permanent long term XXXX work. I feel it is completely unfair that the patient does not have any control over who the attending XXXX  is for treatment or what or how things are billed without their consent. I have continued to dispute my dissatisfaction with the XXXX office and XXXX XXXX with no resolution. The XXXX  office has submitted false documentation to the lender that my XXXX  treatments had, " all services were received. '' which I never received all my XXXX trays so my XXXX treatment never could have been completed. The unethical practices of both the XXXX  office and lender seem to be in gross negligence.
Product: Checking or savings account

I am a longstanding Citibank customer. There was fraudulent activity on my debit card/checking account today. While I was on phone for 90 MINUTES with Citibank fraud department, someone changed my banking password and entered four fraudulent XXXX transactions as well as a transfer out of my checking account. The Citibank fraud department cut off my access to account, but allowed several of the fraudulent transactions to go through. When I complained and told them to stop the XXXX transactions, I was told they could not stop them, and they had to be reviewed in 45 day fraud investigation. 

This is an outrageous security breach. Citibank personel were absolutely incompetent at getting to bottom of the problem and did nothing while fraudulent activity continued to be posted to my account.
Product: Checking or savings account

I was informed my account would close on XX/XX/2021 and my remaining balance will be mailed to me via cashiers check - after being without my income the entire month of XXXX. 

State employees get paid once a month. 

On XX/XX/2021 XXXX XXXX the Branch Manager at US Bank in XXXX XXXX called me and informed me the account was closed and he has a ledger. He can write me a check but I need to get paperwork from my HR department proving the check was paid. Despite me previously showing my paystub. I asked XXXX to provide me with documentation of his request. 

Though it did not make sense since my account was in good standing with a positive balance. If the check was returned or not verified why would I have a positive balance? It would have been negative. 

I asked him several times and he has not responded to calls texts or emails. 

He then responds to the email after hours. 

I have been requesting this documentation for nearly a month and Us Bank repeatedly retracts their statement. 
Initially my account my was closing because the check returned. When I asked for proof that it returned they were unable to furnish it. 

Now that the account has closed and they are suppose to mail me my funds XXXX XXXX is saying he cant write me a check yet until he has proof that the check has been paid. So I am requesting proof from Us Bank that they were unable to verify the check. 

If my HR issues me a new check that Us Bank has already processed I would be in major legal problems- its fraudulent. 

Its contradictory. 
If the check was not verified I would not have funds available to refund. 


I have been getting the run around since XX/XX/2021.
Product: Debt collection

Company keeps calling and hanging up repeatedly. Will call from several numbers. At times, I can hear breathing. They will call as early as XXXX and as late as XXXX every single day at least 15 times a day. I have an app that automatically detects spam calls and Ive blocked several numbers but they still call using other numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving letters in the mail for a while now about me owing child support Xmoney. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does belong to me. I strongly believe my identity hasbeen sttolen. Please remove these items from my report. XXXX {$0.00} XXXX  XXXX {$0.00}