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

My checking account has been frozen and I disbanned as a capital one client. I accepted a {$400.00} XXXX  transfer for the extra XXXX XXXX ticket I had. I transferred the ticket via " XXXX digital transfer '' ( see attached ). This person, XXXX XXXX, is trying to defraud her financial institution by claiming something was wrong with her ticket! As XXXX guarantees, 100 %, that the digital ticketing, the very method I used to send her the ticket, is legit!!
Product: Debt collection

Back to back phone calls - I have repeatedly asked them to stop calling me. I receive about 10 calls per day from Kohls Department Store. I do not owe the entire amount in question. They are rude and aggressive, and call from hundreds of different phone numbers. This type of constant harassment should be illegal.
Product: Credit reporting or other personal consumer reports

JPMCB is in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) which states no transactions or experiences are allowed to be on a consumer report. This person is reporting transactions on an account that's been charged off.

JPMCB is writing off debt with the IRS without sending out a 1099-C as required by the IRS for debts greater than {$600.00}. The IRS states a canceled debt or charge off is income. I never received a 1099-C from JPMCB for the canceled debt in order to file as ordinary income.

Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that 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. JPMCB can not collect on a discharged debt. The IRS defines a charge off as gross or ordinary income, income doesnt get reported on consumer reports which makes the reporting of this account inaccurate.
Product: Checking or savings account

This past XXXX, Bank of America ( BOA ) erroneously closed my account ( ending XXXX ) due to " Suspected Fraudulent Activity ''. This was an error on BOA 's part, and in XXXX BOA returned my full account balance of {$22000.00} from this account as a result of my complaint ( # XXXX ) filed with CFPB, along with my letters to BOA XXXX XXXX ( CEO XXXX XXXX XXXX XXXX XXXX and XXXX XXXX - see attached emails sent XX/XX/21 ). 

This full return of my funds proves that there was NO FRAUD ACTIVITY on my account ( ending XXXX ). In fact, any 3rd party transfers into this account were made solely and knowingly by my husband, XXXX XXXX, with his full permission and consent. 

This does not completely solve my problem, however. Despite returning my funds, BOA has still not made any effort to clear my name with the XXXX ( XXXX ) reporting system and XXXX XXXX XXXX ( XXXX  ), which currently prevents me from doing any business with other financial institutions. BOA must immediately remove this " Suspected Fraud '' from their reporting system, as it has conclusively been proven to be NOT TRUE ( as evidenced by the full return of funds ). I have repeatedly requested that BOA correct this erroneous reporting, but they still have not done so. 

Furthermore, when XXXX verified my request to correct this error, BOA made another erroneous statement that I never contacted BOA executive offices, which is also wholly untrue as stated above. This BOA error has caused another denial of my request to correct my good standing within the XXXX  ( attached letter of denial received XX/XX/21 ). This reporting error has still NOT been resolved, and I have left 5 voice mails with Mr. XXXX XXXX at BOAs Regulatory Complaints, but he has not returned any of my calls. 

I am hereby filing this complaint to correct BOA 's erroneous reporting on XXXX for my account. This continuing problem needs to be immediately resolved and all suspected fraud reporting removed from my record. 

I work in the financial service industry, and its vital to keep my financial record impeccable, especially with other financial institutions. BOAs erroneous reporting, and continued delay in correcting its error, is causing irreparable harm to my career and ability to make a living. 

XXXX XXXX ( 2 ) letters attached
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank, chase, and XXXX XXXX prompting me for my credit cards in XXXX XXXX on my XXXX. When i call to fix they advised my cards arent being used for XXXX XXXX. Yet my XXXX wont let me add cards to my account due to the fact the accounts are closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Equifax on XX/XX/2021, requesting removal of a written off XXXX XXXX account with a {$6.00} that is over XXXX XXXX XXXX, but I did not receive a written reply.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IncorrectPersonal XXXX - Incorrect Personal XXXX XXXX XXXX Incorrect Personal XXXX XXXXXXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate addresses : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX
Product: Debt collection

Midland Credit Magmnt has my credit on all XXXX reports. Reporting open balances for the following balances {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$620.00} for comenity bank on all XXXX of my credir reports.I do not believe the debt that is reporting on all XXXX of credit reports is valid. I have disputed to all XXXX reports several times.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truthXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and exposed my data to XXXX knows who.
Product: Checking or savings account

Our company has been charge {$190.00} a month for credit card account we closed out in XXXX of 2023. When i reached out about the fees I was told they could partially refund 3 months worth of fees but not even the full {$190.00}.
Product: Debt collection

In XX/XX/XXXX I moved into The XXXX XXXX XXXX XXXX in XXXX, TX ( now known as XXXX  ) where I resided for XXXX XXXX years. There was an exchange of emails between the manager and I where he confirmed that hed be using my email confirmation as my 60 days notice. Prior to me moving out, I went into the office and spoke with the manager who confirmed that hed accept the written notice and no additional balance would be owed. I then down the line received a hefty collection bill due to no 60 days notice being given, which was then reported on my credit report. I have gone to the office to speak with management and over the phone multiple times. Most recently XX/XX/XXXX Ive contacted the property via phone and she advised me that nothing can be done as the property has switched management, the manager, the previous files are no longer available, and they can not confirm whether or not my complaint is accurate. I have disputed this collection a couple of times ( XX/XX/XXXX & XX/XX/XXXX ) with the credit bureau who wrongly confirms that this debt is accurate.
Product: Credit reporting or other personal consumer reports

I had a credit card with XXXX XXXX XXXXXXXX over 7 years ago. Experian and XXXX refuse to remove it though XXXX has already removed it from my credit report. I have attached the results of the XXXX dispute and they have correctly removed the entry from my credit report. I request for the same to be done in my Experian and XXXX reports.
Product: Debt collection

I have been paying Hayt, Hayt and Landau for a credit card debt that they contacted me to resolve. We negotiated a settlement and I began to pay it via auto payment monthly. My settlement will be paid in full in XX/XX/year>. The problem is I didn't see the autopay on my account in XX/XX/year>. I have spent hours on hold and I have the evidence on my phone log. I have left XXXX  messages for the agent in charge of my account named XXXX. I have also left several messages in the general mailbox as well as sent a certified letter that was received by them. I have just contacted them and left another message for XXXX who is apparently a supervisor. I think this office is a scam and that they are purposely trying to make my account default in spite of my good payment history and countless attempts to pay my bill in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Transunion on XXXX, and XXXX to dispute several violations that they are committing by reporting inaccurate and unverifiable information on my credit report. They have not sent me XXXX reply back after sending my first letter to them over 75 days ago. This has been very detrimental to me and my family by defaming my character and causing me not to be able to purchase a house for my family. They are not reporting 100 % maximum accuracy as possible by law, and I have requested to all the steps the agency took to insure those items were 100 % accurate under 15 U.S Code 1681i ( 7 ) Method of verification. The accounts are XXXX Number : XXXX, XXXX/Account XXXX, XXXX/Account Number : XXXX, XXXX/Account XXXX, XXXX XXXX  XXXX Number : XXXX, XXXX/ Account Number : XXXX, XXXX/ Account number : XXXX, XXXX/Account XXXX : XXXX, XXXX XXXX/ Account Number : XXXX, XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I called TD Bank and spoke to XXXX  ( call center badge ID number XXXX ) regarding the inaccurate reporting of my account to the CRA 's. XXXX indicated that htere was nothing she could do. I asked to escalate the matter to her supervisor, she indicated her supervisor did not take calls. I asked to escalate the issue to another supervisor and XXXX responded that she was the HIGHEST point of escalation and there was nothing further she could do. 

I attempted to correct the issue first through XXXX  ; however, every time I filed a dispute the balance came back as confirmed at {$2000.00}, when the balance is actually {$1000.00}, a difference of ~ {$1000.00}. 

On, XX/XX/XXXX, I attempted to resolve the issue again, to no avail. I called TD Bank and was disconnected ( or hung up on ) after being on hold for over 30 minutes. As a result, I did not get an opportunity to speak to the dispute department as a result. 

TD Bank 's inaccurate reporting, combined with XXXX 's disregard for the issue has impacted my ability to secure financing for a new home purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is being reported wrong
Product: Debt collection

Basically, I understand I must pay this but even by the hospital 's standards the room charge was high. I'd lagged so long on resolving this matter, life and personal reasons got in the way, that supposedly the hospital could do nothing to work with me on reducing the amount. That in itself sounds fishy to me, what hospital doesn't want payment. It seems as though they profit from sending it to collections. I called up the XXXX agency this account now pertains to and supposedly wouldn't negotiate with me about a reduction in total due if I were to pay it all off. Again, way to fishy. I'd just negotiated with another agency and got a 80 % reduction if I paid it all off that was {$7000.00}. I guess I'm flying blind on this whole matter but meanwhile keep calling.
Product: Money transfer, virtual currency, or money service

I was on the look out for a pair of XXXX XXXX XXXX yellow shoes, when i came across a guys page on XXXX XXXX. His name according to him is XXXX and we talked on XXXX XXXX where he proceeded to tell me he only took payments through XXXX or XXXX, we exchanged numbers and continued to speak through text ( i still have all of them ). After sending him the money through XXXX {$260.00} on XX/XX/2029, i asked for a tracking number to which he said he took a picture of and would send it, but he never responded to me or gave me the tracking number after multiple attempts to contact him i gave up. i contacted XXXX XXXX  and they said they couldnt do anything about it. i called my bank and because it was through XXXX they said theres nothing they can do because it was an online transaction. I basically lost {$260.00} and my bank isnt willing to help me
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed.

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Iam requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue with the address listed on my credit report. According to the information provided in my credit file, there seems to be an error in the address associated with my account. The current address listed is incorrect and does not reflect my current residential address. I am writing to update my address to ensure that all future correspondence and communication regarding my credit report are sent to the correct address. 
Please find below my updated address inform : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. US DEPT ED XXXX {$920.00} XXXX XXXX   XXXX {$200.00} XXXX XXXX  XXXX {$190.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX   XXXX {$20000.00}
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/year>, I initiated a transaction on Sendwave to transfer {$2000.00} ( equivalent to XXXX Naira ) from my XXXX  XXXX XXXX account to my XXXX Bank account in XXXX. Despite debiting my XXXX  XXXX XXXX account, the funds were not credited to my XXXX Bank account. 

I contacted XXXX Bank in XXXX, which confirmed that they did not receive the transferred funds. Although the Sendwave transfer status indicated completion and delivery, XXXX Bank provided evidence stating otherwise. 

I contacted Sendwave and sought support from them, requesting that they credit my XXXX Bank XXXX XXXX Account as expected. However, they failed to respond to my numerous emails and chat conversations, where promises to resolve the missing funds were made. Later on, Sendwave instructed me to reach out to XXXX Bank in XXXX for a statement of account as proof, which I promptly requested and forwarded back to Sendwave. As of today, Sendwave has not resolved the issue and has stopped responding to my emails. 

I requested an immediate refund of the debited funds back to my XXXX  XXXX XXXX account, but they have failed to either credit the money to XXXX Bank in XXXX or return the funds to the source, which is my XXXX  XXXX XXXX debit card.
Product: Checking or savings account

I was on hold for 2 hours before I could speak to a customer service representative. When I got through they had no ETA when the outage would be resolved and when I would have access to my money and see the deposit in my account. I asked if there would be compensation for the inconvenience plus will they refund late fees or overdraft fees or any fees associated with the outage. I was told theres no compensation but they will be refunding lates fees and overdraft fees if they happen. Thats not enough, I need my money now.
Product: Mortgage

Specialized loan servicing ( SLS ) bought our line of equity account. We paid the account off XXXX XXXX. We've received 2 additional monthly statements showing XXXX  balance and the wording " If your loan does not have an outstanding balance, please disregard this notice. '' While checking to find out why the statements continue I called SLS on XX/XX/XXXX XXXX, spoke to " XXXX '' teller id XXXX, who informed me that I need to request a payoff statement ( that will cost {$25.00} ) and additionally because we didn't request this two months ago additional costs will be added. We never received instructions about requesting the payoff statement and never was informed why we now owe an additional {$8.00}. I requested many times to talk to a supervisor but XXXX informed me on XX/XX/XXXX that no supervisors wanted to talk to me. Therefore I do not believe SLS will work with me to resolve this issue.
Product: Credit card or prepaid card

My name is XXXX XXXX I bank with PNC Bank and on XX/XX/XXXX I went to PNC Bank Branch at XXXX in XXXX, Pa. at XXXX XXXX XXXX. XXXX, Pa XXXX, to make a withdraw out of my checking account, the bank teller who assisted me her name is XXXX XXXX. 
XX/XX/XXXX, I received a call from PNC credit card underwriting spoke to XXXX, He told me he has an application for me that I filled out for a credit card, I told XXXX No I have n't applied for a credit card, he told me that the application was filled out on XX/XX/XXXX. I told XXXX to please shut the card down immediately, he told me NO CREDIT REPORT WAS PULLED AND THAT HE WILL SHUT THE CREDIT CARD DOWN. XXXX SEND ME A CREDIT REPORT THAT PNC BANK DID PULL A CREDIT REPORT 2 X. 
XX/XX/XXXX, I spoke to XXXX XXXX she denied pulling an application under my name Illegally. I contacted her manager XXXX XXXX XXXX. He did ask me what happened I did tell him. 
I was referred to XXXX XXXX she 's with PNC Bank Executive Client Relation her tel # XXXX she keeps telling me these things take time. I also filed a Police report with XXXX XXXX Report # XXXX. I BELIEVE I WAS SINGLE OUT BECAUSE I 'M A SENIOR CITIZEN OVER XXXX YRS. PNC BANK CREDIT CARD UNDERWRITING TOLD ME THAT THE APPLICATION WAS OPENED ON XX/XX/XXXX BY XXXX XXXX SHE WAS GETTING CREDIT FOR THE APPLICATION SHE OPENED WITHOUT MY AUTHORIZATION. I FEAR XXXX XXXX SHE WOULD DO ME BODY HARM IF PNC BANK FIRE HER.