23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX XXXX This letter is being sent to you in response to a listing on my credit report. Be advised t pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed, and validation is requested. 

I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : Please provide evidence of your authorization under 15 USC 1692e and 15 USC 1692f in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please provide evidence of your authorization to do business in my state.

5. Please provide evidence or proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome.
Product: Credit card

I have attached documents for your reference. I urge the bureau to begin an investigation into these accounts, as they inaccurately depict me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have successfully submitted disputes with XXXX  and XXXX XXXX about an unauthorized entity on my report. Equifax 's site does not function properly. When I enter my credentials and click " Continue '' nothing happens. They offer a chat service, but I tried to use it during their business hours only to be disconnected because there were no agents available. I looked for a phone number, but I was unable to find one.

This is the incompetent and unethical company who lost millions of people 's data and hid the fact for months last year. Now it looks like they have made it impossible to reach them.
Product: Money transfer, virtual currency, or money service

XXXX by Goldman Sachs received an Incoming wire from XXXX XXXX XXXX, the financial facility utilized by my escrow company upon closing on the sale of my home. 

XXXX Upon confirming wire had been received by XXXX XXXX I attempted to transfer funds after which I received an email confirming the transfer was in process. 

XXXX When checking the status of the transfer, I noticed XXXX had done a " reversal '' of the transfer, and funds had been re-deposited into my initial account. 

XXXX immediately called XXXX asking why reversal was done on the transfer of funds. I was transferred to a supervisor. Told they were making sure no fraud, and this was to protect me. When I asked when these funds would be available or the timeframe needed, she could not give me a timeframe or information. 

XXXX I made another call asking when available and why still holding funds- The supervisor told me the problem was with XXXX XXXX XXXX XXXX XXXX receiving/external bank I was trying to transfer funds to. After talking in person to XXXX, there was nothing wrong with the receiving bank or my account. I asked for a manager to call me immediately. Was assured they'd call me within XXXX hours. I have never heard anything from anyone!!! 

( As of today XX/XX/24 ) It has been nearly XXXX weeks and funds are still not available.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estopell by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character. ) 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

In reference to the following accounts : *XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) *XXXX XXXX  ( XXXX XXXX XXXX ) Ive sent all of the documentation required to verify that I was indeed a victim of identity theft. A year goes by and Equifax still is reporting incorrect info on my profile. So, yesterday XX/XX/2022 I called Equifax to address the issue and this is what I was told. 

XXXX Yes sir, we can see that youve been disputing this issue, we also see youve sent in the police report and other documents that verify the claim, however it seems as if the box office decided not to use those documents and declined to pursue the matter as identity theft. We just processed this as a normal dispute. 

XXXX Why would you not use the proof and evidence to report the issue the correct way so that the matter can be resolved, this false reporting is affecting my familys livelihood. This is incorrect information on my credit report that is keeping me from being able to do the things I need to do to provide and take care of my family. 

XXXX Yes sir I do understand and agree with you completely. However, theres nothing I can do about it. The box office makes those decisions. 

Me- That is not ok. These things need to be removed today. Pursuant to these codes : * 15 USC 1681 A 3 * 15 USC 1681 A 4 * 15 USC 1681 B 2 Equifax- Im sorry sir, we can begin a new dispute. 

XXXX Why would we need to do that if the dispute is old and is currently still in process. That would restart my statute of limitations clock. Then youll drag the process out another year or XXXX. I dont want to file another dispute today, I want these XXXX accounts deleted now. This is wrong!! 

Then XXXX XX/XX/2022 I called Equifax and immediately requested to speak to a supervisor in the fraud department. The lady replied and told me that she was indeed the XXXX in the Fraud Department. I later learned her name to be XXXX XXXX ( Work I.D.- XXXX ) Ultimately XXXX XXXX XXXX XXXX XXXX ), heard me out and was attempting to initiate the process of removing the accounts. However she told me she needed me to include the account numbers in this CFPB Complaint, before she can proceed.
Product: Credit card or prepaid card

On XX/XX/2019 I responded to an on-line advertisement by XXXX who offered a free sample of their product ( just pay shipping charge ). I used my Citi credit card with the ending number XXXX. The following day while doing a bit of research on the product I ran across a customer complaint who had ordered a similar product and ended up being charged later for additional merchandise he did not order. Together with some Bogus sounding claims by the company that it was owned by XXXX XXXX who had discussed the product on the XXXX  XXXX show I was afraid I might be scammed so I called Citi the next day, XX/XX/2019, and reported the XXXX card lost so no future charges could be made on it. I was issued a new card ending in XXXX the next day and told to notify any companies that had recurring charges on the old card of the change since those payment would not be processed. 
When I received my XXXX statement there was a charge of {$89.00} by XXXX posted on XX/XX/2019, over 2 weeks after the XXXX card number that they had was cancelled. On XX/XX/2019 I called Citi and informed a customer service person named XXXX of this fraudulent charge. She said it looked like the merchant had established an account with recurring charges. I told her I didn't have an account with them, much less a recurring one. She said the charge would be waived pending further investigation and any further charges by this vendor would not be processed. On XX/XX/2019, to my complete amazement, Citi notified me that they had finished their investigation and determined that it was a valid charge! I mailed a response to their letter on XXXX advising them that I did not order, nor did I receive, any product after the free sample and furthermore XXXX does not have my XXXX card number so the charge was made on a credit card that had been cancelled over 2 weeks prior to the charge. Citi was played big time on this. They accepted a charge on a cancelled credit card and were deceived into believing the charge was otherwise legitimate. And they are trying to stick me with the bill. Citi should be ashamed of themselves and XXXX should be investigated for fraud. I hope you can help with this situation since Citi 's latest correspondence threatens notification to credit reporting agencies. I am proud to have credit scores in the 800 's for years. I am XXXX years old and this situation is really stressing me out. I would appreciate any help you can provide.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after being investigated. I would like this item to be re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXXXXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, VI, Section 611, please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send a updated copy of my credit report after the reinvestigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ] XX/XX/XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom it may concern, I am writing to formally request that you block the fraudulent information on my credit report in accordance with my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and certain information on my credit report was not initiated by me. 
The fraudulent accounts or items that I request to be blocked include : Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ) Under FCRA Section 605B, I demand you block and stop this information from reporting within four business days after receiving this request and the necessary documentation. Please confirm in writing that the fraudulent information has been blocked and will no longer be reported.

I appreciate your prompt attention to this matter. If you require any additional information, feel free to contact me at the address or phone number listed above. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/XXXX, I made my US Tax return payments using PayPal Credit for the amount {$6500.00}, which involved a {$120.00} fee. At the time, the credit balance displayed on my account was {$6600.00}, which should have been enough to cover both transactions. 

I made this payment through my PayPal Credit account but for some reason, PayPal decided to charge my XXXX credit card instead of the Paypal Credit account, which I never authorized. The only reason I used PayPal here was to make use of the 6-month no interest offer on $ XXXX purchases. 

Charging my XXXX credit card meant that I owe {$6500.00} on my credit card by XX/XX/XXXX instead of XX/XX/XXXX ( if it had been charged to PayPal Credit ). This is costing me XXXX of dollars now, in having to pay my XXXX balance of {$6500.00}. 

I reached out to PayPal & requested them to either redirect this transaction to my PayPal Credit account instead of my XXXX card or provide me a credit of {$120.00} ( the additional convenience fee I had to pay my merchant to use PayPal ).

PayPal provided multiple excuses ( whose documentation is attached here ). Their excuses are varied and ranged all the way through the XXXX  from : ( a ) alleged that I made the transaction twice when I made only one transaction, ( b ) alleged that there were security concerns due to which the transaction was declined by PayPal Credit & routed to my XXXX card without my authorization, ( c ) alleged that I did not have a sufficient credit balance in my PayPal Credit account. 

All of the above reasons are false & the fact still remains that I never provided explicit authorization to use my XXXX credit card. I've attached all the documentation in this complaint below.
Product: Checking or savings account

The East West Bank charged {$25.00} per month fee. But they have not clarified how this fee will be charged. The reason is there is no clarification about 'Average Balance '. This misleads customers, since it could be two understanding : 1. Total Balance 2. Average Balance. Even people understand the 'average balance ', they still can not find the formula on their website, how to calculate exactly. 

Because above reasons I am kindly asking the bank pay me back the fees which I payed in the past months, around {$300.00}.
Product: Checking or savings account

This bank is run by a bunch of XXXX. I opened this account back in XX/XX/XXXXand was supposed to receive an account opening bonus. I met all the requirements for that bonus way back and this lousy bank has not credited me that bonus. Every time I call these lying XXXX, they blame the previous agent for not doing the job properly and tell me some more lies that they have done it right and my issue will be resolved within a certain amount of days. Of course nothing happens and I call back and the whole thing repeats itself. May be filing this complaint will get these XXXX  to do the right thing. Please keep this complaint on their public record. Here are some of the case numbers I was given by these lying XXXX.. and each one of this call means an hour wasted listening to their repeated lies XXXX from XX/XX/XXXXThere was another really arrogant supervisor in XX/XX/XXXXwho said the bonus will be there by XX/XX/XXXXsomething and that I was bothering them for no reason. Ref XXXX from XX/XX/XXXX, wasted more than an hour and no results Ref XXXX from XX/XX/XXXX. Another hour wasted with XXXX XXXX. I have many more of these XXXX case numbers these XXXX gave me but I do n't want to waste any more time putting it together for them. <P/>Will you please shut this lying piece of XXXX bank? <P/>thanks
Product: Credit reporting or other personal consumer reports

Current account is reporting inaccurate information which is contrary to FCRA requirements.
Product: Money transfer, virtual currency, or money service

NewRez LLC stated that on XXXX XX/XX/year> that they sent back the payoff on our home loan due to a shortage. Upon contacting the title company in XXXX AZ, the escrow person named XXXX XXXX said she was never notified of the shortage and that no wire transfer was received by her company. We have attempted to find out where the funds were sent by NewRez LLC when they kicked it back and we were told XXXX different stories of what may have happened, including XXXX supervisor who said they don't have to track wire transfers. Under the Bank XXXX XXXX XXXX XXXX IS REQUIRED to account and due diligence when conducting wire transfers. The amount was over XXXX.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act protects my privacy, stating agencies can't share my info without consent ( 15 USC 1681, 604 ( a ) ( 2 ) ), and prevents unfair late payment marks ( 15 USCS 1666b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Logged into chase to view my credit report. Apparently there was a medical debt reported on XX/XX/2024 that I have no information about. Company is WAKEFIELD & ASSOCIATES.
Product: Credit reporting 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 Account Number : XXXX has violated my rights. Or list of inquiries 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 XXXX 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

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 Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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: Bank account or service

i ordered a file on me from XXXX and found recorded information that i suspect as fraud activity. There are three discrepancies on my file that has a home address that I 've never lived at.
Product: Mortgage

Citizens Bank in XXXX began this process after I was referred to them by XXXX XXXX Loans. I don't know why they referred us, as when we put a deposit on the new construction condo in XXXX, XXXX was the preferred lender. 

Closing was to take place this Monday, XX/XX/XXXX. The main loan agent XXXX XXXX XXXX, NMLS ID # XXXX, has been unreasonably delaying the approvals for this loan. I have been asked to provide the same financial documentation numerous times throughout this process. 

Mr. XXXX has told me that XXXX XXXX is his supervisor. Then he got someone on the phone they identified as XXXX XXXX as the department supervisor. Whoever the gentleman was XXXX got on the phone gave me a bogus telephone number to call him back. This was this morning. 

I am reasonably certain throughout this process I have been lied to several times. 

I was told that Mr. XXXX had several loans approved for this building. If that is the case, then I can only assume the road blocks he keeps throwing in the way of the closing are the result of anti-gay bias. I will also be filing a complaint with the appropriate agencies on that front. 

Today, I also emailed the Chairman of the bank, XXXX XXXX XXXX. I have yet to hear anything back from anyone. Therefore, I will also be filing complaints with the OCC and the CFPB. 

Please not that I am the owner of a financial institution myself and I have never made this type of complaint against anyone. I take these kinds of matters very seriously. 

XXXX XXXX and XXXX XXXX should NOT be allowed to continue in this work if they so obviously treat customers, and especially gay customers with this kind of disregard. 

I do assume they think this is funny - to delay my closing as much as they can and see how upset I become. 

Please also note that every item they required to move the loan to underwriting was uploaded to the bank 's secure portal as soon as it was requested. And yet, multiple requests were made for the same documents. 

Please let me know what additional information I can provide to investigate this complaint. I know this will not help my loan get cleared to close any sooner ; however, if this is systemic, the bank should be investigated as well. 

This is deplorable. 

Please note, if necessary, I have copies of every email correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$29.00} XXXX XXXX XXXX {$170.00} XXXX XXXX {$190.00} XXXX XXXX {$100.00} XXXX XXXX {$170.00} XXXX XXXX {$640.00} XXXX   XXXX {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i had submitted an police investigation to the bureaus for my credit report because of identity theft on my credit report and has not heard anything as of yet.i have attached documents from the police department doing my investigating