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

Please reference your prior claim ID XXXX. Shortly after submitting that claim I received an apologetic letter from XXXX XXXX at the executive response unit of Citibank N.A. in XXXX XXXX. Please see your CC in file. He said the {$400.00} was legitimate and apologized for the delay. He said to send my XXXX ( again ) form to XXXX XXXX. I had already done that with a form for my wife who is a joint owner of the accounts. That was two weeks ago. The {$400.00} bonus payment has not been paid. Two days ago ( XX/XX/XXXX ) I received a letter from XXXX XXXX via regular mail dated XX/XX/XXXX!! I quote from that letter : " Thank you for providing your tax certification Form XXXX. During the tax validation process, we identified the following issue that resulted in the rejection of your U.S. tax certification. The federal tax classification box selected it inconsistent with the name provided on line 1 of your Form XXXX. Please complete and submit a corrected tax form. '' I have NEVER seen nor filed a Form XXXX which is for NON U.S. citizens. They may have confused me with another customer or else this is another deliberate stonewalling delay to deprive me of my {$400.00}. I have telephoned Mr XXXX ( XXXX ) repeatedly only to leave voice mail. All my calls remain unanswered. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have letters to XXXX XXXX  asking them to re investigate because i found errors on mycredit report and asked them to update it or delete it and it came back verified and updated but how could it be if nothing has changed since XX/XX/2022. My Account # XXXX. I paid an Collections and it is not showing been paid. I want this account deleted immediately. you violated my rights under the FCRA by not fairly and accurately reinvesting my disputes. I do have all my letters that i sent certified and the person the signed.
Product: Credit reporting or other personal consumer reports

I'm a victim of inquiry issues with Equifax and XXXX. The following inquiries are on my credit report. I do not have any knowledge of and you would like them removed. 

EQUIFAX XXXX. XXXX XXXX XXXX XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I called kohls summer of 2017 to report that a new kohls card was opened and maxed out in my name. I found out about this from pulling my credit report. The amount was {$580.00}. I IMMEDIATELY Closed the account and asked for VALIDATION ( a contract or lease with my signature on it ) I was assured that this account would be handled. They apologized and said they would delete it. I have now received my report for this year and ITS STILL THERE. I'm appalled this company would take advantage of me. I'm in the military and gone often. I take people by their word. If this company does not want to delete, then I request validation again. ( not verification ). I want to see where I signed up for this card. I want to see MY signutre.
Product: Debt collection

Credit Collection Service has not provided me proper debt validation for this alleged debt. I requested the original contract with Credit Collection Service with my signature, I also requested my payment history with a proof of debt assignment. They have not provided any of this information. Please delete this from my account.
Product: Credit card or prepaid card

My Bank of America debit card was charged {$1300.00} from XXXX to XXXX. I submitted a claim to bank of America to have the money reimbursed. They did not side with me and stated the charge was authorized by me or by someone that has permission to us the card or account. This is not true. I did not make these charges. I appealed the decision, but I doubt the outcome with be different. It could take up to 45 days to get a result. In the meantime that {$1300.00} was supposed to be used to pay bills, and now I can not pay them. I asked that someone from the research dept, that makes these decisions, call me. I do not expext a call. Please help to get my money reimbursed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was late on my payment with XXXX furniture back in XXXX of 2020, but I quickly brought the account back into good standing. Despite that, XXXX continues to report my account delinquent, although I have been making regular, on-time payments since XXXX. I have contested the status of this account through Equifax, but XXXX refuses to report the proper status of my account.
Product: Debt collection

KEPT CALLING ALL FAMILY MEMBERS CELL, WORK AND HOME NUMBERS ( SEE ATTACHED LIST ) IN VIOLATION OF TCPA.
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 TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$XXXX}, waterfall revenue grou Account # XXXX date opened XXXX {$XXXX}, XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$XXXX}, XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$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 FICO 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 # ( XXXX ) 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: Debt collection

In one day I have gotten 3 phone calls from a school loan reduction comp ... I have never had a loan for school ... all numbers are listed below. I get these all the time and when I ask to talk to someone with the Ref # they give me they hang up. 

XXXX ref # XXXX XXXX XXXX XXXX XXXX ref # XXXX Thank you for taking care of this issue. More needs to be done about false calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I went to the Bank of America branch on XXXX XXXX, XXXX, NY. Opened Checking and Savings account, asked bank associate that i wanted to deposit cash on my checkings account, we both went to ATM, scanned my XXXX card to ATM and put my PIN, deposited XXXX $ cash and i was almost to finish deposit when i decided to add more XXXX XXXX so i clicked to add more and put XXXX $ in ATM, ATM had a problem and gave back XXXX $ and receipt that says that money is inside ATM and i had to call BOFA XXXX department to open a claim. Associate of Bank was watching all that and he called to open claim, hes name is XXXX and he can confirm everything. ATM had weird sound like clicking or something. I was told that it would take 10 business days and it happened on XXXX XXXX, this morning i saw message about my claim that it was closed, answer was that ATM gave back money and theres nothing else to do. jm asking where is my XXXX $? ATM just gave us back XXXX XXXX i went to branch again, they opened claim again and told that i have to wait more 10 buss days or more, ATM was done 2 days ago and if there are extra funds in, than it will show up. i asked tot ake camera recordings, there is XXXX who can confirm everything, he works in that XXXX. im asking my money that i need so much, they refused to gave it to me back. please help
Product: Mortgage

Dovenmuehle mortgage transfered my loan to XXXX with an incomplete file ... for 3 weeks I have been unable to make any progress on getting {$7000.00} of my insurance money on a completed project ... can not no progress after hours on the phone
Product: Payday loan, title loan, personal loan, or advance loan

I closed and deleted my account with empower after paying debt off in full. I asked the company to remove my personal banking information. Which included two separate banks XXXX & XXXX with checking account and a credit card with the information. The company has refused too and bribing me to resubscribe to the services to remove my information. However once you resubscribe to the service youre not able to remove the banking information due to the subscription. Im no longer a customer with them however I have received multiple emails from representatives explaining they are legally able to retain my banking information. I have read the terms of service and policies. I did not find a statement that verify this information for close/ delete accounts. I asked the representative to provide me proof of the legal authority to do this. The only information provided was for existing accounts/ customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notification from the credit bureaus Experian in regards to a unknown collection account from XXXX XXXX  in the amount of {$410.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation in XXXX and to send my a signed contract with my signature and the agent disconnected the call. I called back and requested documents from another agent and was told they would send them but never did. Its been 7 months and the fraudulent account still shows disputed by consumer on my credit file. XXXX XXXX  purchased this fraudulent account XX/XX/XXXX and never contacted me before reporting to my credit and just reported it on my credit file again XX/XX/XXXX but have yet to send debt validation. XXXX XXXX  needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over XXXX XXXX and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft. The bureaus are continuously inserting fraudulent information on my credit file. I dont have a contract with this company and never have. The account was deleted and reinserted without my knowledge as well and has been reinserted a XXXX time without my knowledge or verification of this debt. XXXX XXXX  has broken the FCRA laws by reinserting fraudulent debt/ information on my credit file!!
Product: Credit reporting or other personal consumer reports

I called both companies and was told to contact them by email. I've emailed both companies nothing was done.
Product: Debt collection

I am writing to dispute opened fraudulently accounts in my name. I am a victim of identity theft, and I did not open account number ( give number of fraudulent account ). I am not responsible for any charges made to this account. 
SUNRISE CREDIT SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must DELETE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I been asking XXXX, XXXX and Portfolio Recovery to validate the account from Portfolio Recovery since XX/XX/XXXX And every time they come back saying the account is verified and accurate. In XX/XX/XXXX they sent me my investigation saying it was verified and accurate once again but I have highlighted the proof that the account is reporting wrong. The original creditor XXXX had written off {$1000.00} but Portfolio Recovery has been reporting {$1000.00} and also been reporting false balances. Every time each credit agency says verified the information is still not accurate. This account needs to be removed immediately
Product: Debt collection

Harris & Harris Ltd has been directed to stop calling my home for a debt I do not owe. Despite this, they repeatedly call using a robo-caller that only provides a long-distance call-back number. The calls also come outside their stated business hours, so there is no way to mediate the issue without generating ANOTHER call.
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment and frustration regarding the second attempt to remove the fraudulent items from my account. As you are aware, I previously lodged a complaint regarding unauthorized charges on my account, and despite assurances that the issue would be promptly resolved, the problem persists. 

I formally brought to your attention the unauthorized transactions that appeared on my account statement. Despite the initial assurances of resolution, the fraudulent items were not adequately addressed, and they continue to appear on subsequent statements. 

I understand that resolving such matters can be complex, but I am deeply dissatisfied with the lack of progress and the inconvenience this situation has caused me. Not only have I had to spend valuable time contacting your company to rectify this issue, but I have also incurred financial losses as a result of these unauthorized charges. 

I urge you to take immediate action to thoroughly investigate and resolve this matter. I expect a full refund of the fraudulent charges and a comprehensive review of your security protocols to prevent such occurrences in the future. Additionally, I request compensation for the time and inconvenience I have experienced due to this ongoing issue. 

Please provide me with a detailed plan of action and a timeline for resolution. I expect a prompt response to this complaint and assurance that appropriate measures are being taken to address the underlying issues causing these unauthorized transactions. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( ETFA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Very concerned with how information is being reported on my credit. I have requested previously to fix this information but I have been ignored over and over. I am trying to resolve this before escalating this matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent out a dispute letter XX/XX/2020 and i havent recieved a response
Product: Money transfer, virtual currency, or money service

As of XX/XX/XXXX, where funds were deposited into Wells Fargo. I have now lost over {$500.00} for expenses of wire fees, interest lost and time and aggrevation for Wells Fargo and its bankers/employees refuse to disclose where my {$16000.00} wired funds are. 
It is now XX/XX/year> and they have not responded to any of my Emails since their claim of having returned the wire without legal justification and explanation.
Product: Vehicle loan or lease

Due to the current court settlement & events of conflict with previous complaints filed, and Wells Fargo initially denying their fraudulent activity, they were told once again by the government to RESOLVE the WRONGDOING and as an individual who was taken advantage of by the company, to once again submit/file a complaint.

They have done the bare minimum in doing what was expected of them from between my last complaint sent in XXXX and their recent lawsuit in XXXX. 

They are aware of what little they have done and further caused conflict by their delay, as well as their inconsistency & unprofessionalism. 

Following is my original complaint in full detail once more. 

Wells Fargo is still scamming their customers. I am almost certain they use their AUTO DEPARTMENT SPECIFICALLY to get away with mishandling money. I most definitely see this a reality due to the fact the credit report I have seen the company has sent out about this auto loan I have with them CLAIMS I HAVE NOT MADE A SINGLE PAYMENT SINCE XX/XX/XXXX ( IRONICALLY THE TIME & MONTH I WAS XXXX XXXX XXXX XXXX XXXX  ). Wells Fargo does not care and have basically stolen mine & my fathers money in attempt to cover their own crooked habits. My father is a XXXX XXXX XXXX XXXX and I was a XXXX XXXX XXXX! They don't care about the efforts being made despite the consistency in trying to remain in contact and keep it SIMPLE WITH ONE INDIVIDUAL. If I do not have this issue resolved I fear I will have to file a civil lawsuit and I still am a young adult who does not have the time or finances to deal with court drama. I just want to focus on still HEALING from XXXX XXXX XXXX XXXX XXXX I could have been using the money Wells Fargo claims I have not been giving them ON THERAPY TO HELP ME COPE WITH THE XXXX. INSTEAD, they took my money, and continue to add to my issues. I will dispute this issue with XXXX as well as contact & consult with auto repossession lawyers in the area.
Product: Payday loan, title loan, or personal loan

I recently applied for a loan for {$400.00} on XXXX/XXXX/2017 and was approved and the money was deposited into my account on XXXX/XXXX/2017. I was not aware of the high interest rate APR:666.7 and the fact that I would be paying so much more money back for {$400.00}. ( 13 payments ). I have reached out to the this company but I did not receive any help.