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

My money is guaranteed no matter the stipulation as long as its in my account, the depository is to guarantee this in all circumstances. Fractional banking ensures that the loss of all the funds wouldn't even sent the depository digital vault. CitiBank can easily cover the damage and go after the corporation on my behalf.. Government needs a division exclusively for this, FOR THE PEOPLE. The citibank hotline is trying to convince me that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am owed {$6200.00} in total for 3 charges from XXXX XXXX XXXX. XXXX XXXX. I received XXXX XXXX XXXX XXXX XXXX in XXXX at XXXX XXXX XXXX XXXX XXXX. The service was subpar and I wasn't allowed to get problems fi d Ed before leaving. The teeth line up improperly, are over sized, wobbling and met together in the wrong angles. All of which I have to get fixed again, all damages to my person. Fractional banking is being practiced and the XXXX charged to me by XXXX XXXX was unjust enrichment as they took XXXX in taxes and charged double for everything, as prices increased after I got there. I couldn't refund the payments until after I left or I would t have had any teeth, very frightening, as they stopped half way through and demanded more money. I had to reschedule my flight and hotel out of pocket, all the while being lied to and laughed at. Spent 5 days with temporary teeth, roots exposed, felt terrible or days once they XXXX  the teeth again.. I never had my last 2 appointments to fit the teeth properly and angle them back in my mouth,, I look like a beaver rabbit squirrel, I hate how long these teeth are and I said this many times while there, they forced their opinion as truth, I will never return to XXXX. It is a 3rd world mindset in this country, people mean less than Government and belongings. Most unprofessional place I have ever been to. I am owed my money back and then some for damages and injuries to my being. Nothing exists without my credit.
Product: Checking or savings account

I have had 5 over drafts charged to my account I reached as my online banking wasnt working for me to transfer funds my direct deposit hit my checking account but I couldnt transfer funds I called customer service I was informed I cant get my fees reversed as they company gave me a refund already once this year I work for Wells Fargo and Ive banked with Wells Fargo since XXXX  not to mention the company opened accounts on my name without my consent I think getting a refund is not hard to ask
Product: Payday loan, title loan, personal loan, or advance loan

{$780.00} was withdrawn from my Account with XXXX XXXX to be paid to M & T bank for my car loan. XXXX sent the money to the wrong account. M & T cashed the check but applied it to someone elses account and now will not return the funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Rent Bureau is reporting information on my rental report as both paid in full and as a write off Legally Per the FCRA a item can not be both " Paid In Full '' and " Charged Off '' the Account XXXX is listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I have been a JP Morgan Chase Bank card holder for several years now and I have XXXX credit cards with them at this time. I have a Chase Freedom Unlimited # XXXX and a Chase Slate # XXXX. I do not carry balances from month to month so Chase has decided to put me on a blast mailing list where they send me promotional checks urging me to transfer balances or to make purchases with the promotional checks. I have called them 3 times now and asked them politely to stop mailing the promotional checks to me and the representative has reassured me each time that they will no longer send the checks to me, but they are still continuing to send me the checks for both accounts. I would estimate that I receive the promotional checks 2-3 times a month for both accounts which means I get 4-6 mailings from them per month with these promotional offers. I then submitted a message to them XX/XX/2022 from my online account asking them to stop and stated if they didn't stop, I would be filing a complaint and yet I received 2 more promotional offers in the mail today so it seems as if they think it's funny. I am concerned that with them sending so many of these to me that someone will get their hands on the checks and have a hay day at my expense and I also do not have any need for them so I just want the mailings to stop. Is there anything that can be done to get them to stop besides closing my accounts? I use the cards, but payoff the balances each month so I would prefer not to cancel the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello gd afternoon I am contacting you because I have tired to tell trans Union and XXXX that the information on my credit file is incorrect and is fraud they have yet to remove items I been trying for over 1 year XX/XX/2021 someone tired to use my name 5 times all in one day I never gave no one authorization to use my name or personal information can someone please help me
Product: Debt collection

I had an account with XXXX that was closed for non payment in XX/XX/XXXX. XXXX initially hired XXXX to be a debt collector for the debt, but the debt was not sold. A collection for {$520.00} was placed on my XXXX  credit report on XX/XX/XXXX and I disputed it through XX/XX/XXXX on XX/XX/XXXX because I did not recognize XXXX or the amount. The result was " Deleted - XXXX  has deleted the account or record from your XXXX  credit report ''. A year later XXXX hired waypoint resource group to be a debt collector, but again they did not sell the debt. ( XXXX still owns the debt ). I'm not sure if after a successful dispute it is even legal to just use another debt collection company with a new date to report the same collection? Waypoint reported it to all 3 credit bureau with Opened Date : XX/XX/XXXX for the same total {$520.00}. I then opened a dispute on XX/XX/XXXX about the date being incorrect because this was a 13 month later date and was an illegal refreshing of the date, as i had made no contact or payments to XXXX or Waypoint. I provided them proof of my prior disputes by attaching a PDF showing the previous collection and successful dispute. The result of this dispute was " Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. '' I more or less gave up because I figured they were going to just ignore my disputes that are clearly provable and that id probably have to hire a lawyer until XX/XX/XXXX, when I tried calling XXXX 3 times but their phone system will not let you through without a current account number or the desire to purchase new service. I then called waypoint and they said basically that they would look into it, but on XX/XX/XXXX a XXXX collection department employee called me back ( you cant call them, you can only ask other people to have this unreachable department call you ). I explained to the XXXX XXXX department employee that the dates were wrong, and they said they could see that and would have it fixed. It was not fixed and still hasn't changed as of today. I then called XXXX on XX/XX/XXXX and after 2 calls reached a real person who told me that you cant call the collections department, but that she would put me on a list for them to call me. On XX/XX/XXXX the Collections department called me and i again explained the situation and the lady was very nice about it and said she had never seen anyone ask for a date to be corrected. She wasn't sure how to correct it but she said she would find out because she agreed the date was wrong. And now 3 weeks later the date is still wrong. If necessary i have pdf print outs and emails from all the disputes, and showing the original collection by XXXX and the second collection by Waypoint. Thank you for your time reading my issue.
Product: Credit reporting or other personal consumer reports

My second time having to dispute this account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX that is currently reporting to my credit report is is holding up the process of me buying a new home. The account is FRAUDULENT and UNAUTHORIZED. XXXX XXXX XXXX XXXX XXXX XXXXXXXX filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 XXXXXX/XX/year> 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

i accepted a payment for my business using sqaure ( {$2500.00} ) they emailed me saying my account is being deactivated i tried calling they said they are unable to help i have no way of contacting them it will nit let me transfer the fund to my bank
Product: Debt collection

American First Finance Inc asked to pay an amount larger than what I owed. The amount I was being asked to pay was around {$600.00}. I was then told that there was a glitch in the system and that I only had to pay {$130.00} to close the account. I asked what my interest rate was on the outstanding balance I had on my account. I assumed it to be around 30 %, similar to a regular credit card. I then asked how much I have paid in total on this account. I was told that I have paid over 300 % total fees on this account in 16 months. The original amount financed as under {$2900.00} ( see attachment ). My total amount paid is over {$9200.00}. I want my money back. This is criminal
Product: Checking or savings account

Marcus ( Goldman Sachs ) reversed ACH transfer in the amount of {$120000.00} that I initiated from my savings account XXXX to my linked checking account at XXXXXXXX XXXX on XX/XX/2023. The official answer why my transfer was reversed is because " the hold times on the phone at XXXXXXXX XXXX  are too long. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX is violating the XXXX Privacy Act, which prohibits the federal government from disclosing and misusing sensitive personal and financial information. The XXXX Department violated confidentiality provisions of the Internal Revenue Code by giving XXXX XXXX team access to records that contain tax information. The department collects personal information to administer federal financial aid programs, including dates of birth, contact information, Social Security numbers and, in some instances, bank account information. XXXX has gained access to XXXX Department databases that contain such information -- the National XXXX XXXX Data System, XXXX XXXX XXXX and XXXX XXXX XXXX. The agencies are improperly disclosing the records of millions of Americans to XXXX staff in violation of the Privacy Act. The Privacy Act of XXXX, as amended, XXXX U.S.C. XXXX, The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I have made 4 attempts to speak with someone about this unauthorized inquiry on my credit report and was unable to get pass the automated system.
Product: Credit reporting or other personal consumer reports

i contacted equifax and asked them to do an investigation into the inquiries on my report because i had not given consent or signed anything for anybody to check my credit report i put a fraud alert on my report and they supposedly did an investigation for a couple of hours and emailed me that the information was verified and accurate and i know that is not correct at all
Product: Debt collection

I was contacted on XX/XX/2022 at around XXXX by XXXX XXXX and was asked that I return her call. Upon me returning the call, she informed me that this was an attempt to collect and settle a debt on behalf of my landlord. I was unaware of why the landlord would be seeking payment after the court judgement was issued so she stated that the balance was due to unpaid rent and needed to be settled. I asked her to please provide me with a debt validation on the breakdown of the charges and I will follow up with her upon receiving it. Instead of providing me with the statement to my email, she sent over an email that stated I was refusing the debt and no further questions will be needed. Within two weeks later she had the debt amount of {$11000.00} placed on my credit report without providing me any documentation of the charges. I recently was going through some mail and came across the itemized statement that was mailed to me certified on XX/XX/2022 from the management company. The amount owed stated a balance of {$8600.00} which has now made me question why did the balance magically grow over {$3000.00} and was reported to my credit as such. I believe this collection agency is illegally swindling me by falsifying debt amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported 21 hard inquiries and 3 addresses that are not mine to XXXX on XX/XX/23. 

False addresses on my account : - XXXX XXXX XXXX XXXX, NJ XXXX - XXXX XXXX XXXX XXXX XXXX NJ XXXX This address also opened and used XXXX XXXX under my name using account number XXXX. 
- XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AMEX XXXX This account is not charged to me. My record shows that this account was Paid as agreed and Balance is XXXX. Please delete this account immediately. 

AMEX XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Debt collection

Synergetic Communication, Inc. Sent a letter claiming they can sue me for the balance if I fail to dispute the debt. They also stated a settlement offer in the letter and threatened that they are not required to make this offer in the future. 

The balance is {$8700.00}. This letter was sent on XX/XX/2020. 

This debt has been disputed and removed from my credit report at all three bureaus under a separate debt collector company called XXXX XXXX XXXX XXXX XXXX. 

The new debt collector Synergetic Communication is attempting to collect an invalid debt that has been resolved.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I sent letters and documentation on XX/XX/XXXX I sent letters and documentation and the credit reporting agency is stating they never received my documents, and just submitted all my disputes on XX/XX/XXXX, I havent received a response from the credit reporting agency Transunion.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 180020177 ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting the same account multiple times thus causing my XXXX  and XXXX  score to stay in negative. The accounts are old and closed. They are being reported.muliple times.
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of XXXX XXXX XXXX Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Consumer Loan

I am trying to refinance with another bank ... they need a pay off and a copy front and back of the vehicle I am financing but keybank will not provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed all 3 credit bureau 's XXXX, Equifax, and XXXX  that my Chapter XXXX Bankruptcy has incorrect information such a the court is listed as Federal and US BKPT Ct GA XXXX. Also it has been brought to my attention that the clerk 's office does not report any information to the credit bureua 's.
Product: Student loan

My address has not changed in the last 13 years. It is still XXXX XXXX XXXX XXXX XXXX, CA XXXX But they can't seem to get this right.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SS # : XXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Attn : Customer Relations Department XX/XX/XXXX Re : Request to describe method of verification To Whom It May Concern : 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.l 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.

Accounts 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX  XXXX Please remove it from my credit report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX Please remove it from my credit report.

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Please remove it from my credit report.

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Please remove it from my credit report.

15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX XXXX XXXX Please remove it from my credit report.

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX ( XXXX XXXX ) XXXX Please remove it from my credit report. 











I was also wondering if you were familiar with something called 15 U.S.C. Sec.

1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately. 
It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided. 
Also, send a copy of the updated report to all who inquired on my credit in the last 6 months. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 
Thank You, Sincerely, XXXX XXXX