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

On XX/XX/2022, I received a text message on my mobile devise from an unknown source. I opened the message and there was encrypted information. However, no changes were seen in my cell phone or any of my accounts.. 

On XX/XX/2022, a total of {$1000.00} dollars was charged to checking accounts with TD Bank account ending in XXXX via a credit card ending in XXXX. 

On XX/XX/2022, a total of {$3000.00} dollars was charged to checking account with TD Bank account ending in XXXX via a credit card ending in XXXX. 

On XX/XX/2022, a total of {$4500.00} dollars was charged to checking account with TD Bank account ending in XXXX via a credit card ending in XXXX. 

On XX/XX/2022, a total of {$4200.00} dollars was charged to checking account with TD Bank account ending in XXXX via credit card ending in XXXX. 

All the transactions were paid to XXXX XXXX XXXX XXXX. These transactions were all international transactions and I was charged a total of {$380.00} dollars in fees. 

On XX/XX/2022, a total of {$4000.00} dollars was charged to checking account with TD Bank account ending in XXXX via credit card ending in XXXX. 

The transaction was charged to XXXX XXXX XXXX XXXX via the credit card.. TD also charged an international fee of {$120.00}. 

I filed several claims with TD Bank and the TD Bank denied all the claims. The funds were not reversed and my account remained in a negative standing for over 60 days. TD bank sent the information to a debt collector and closed my accounts.
Product: Debt collection

This will follow my previous CFPB Complaint No. XXXX regarding XXXX XXXX XXXX XXXX XXXX and my XXXX XXXX Lease Agreement No. XXXX. In that complaint I disputed XXXX predatory 60-Day lease renewal practices which cost me an additional {$10000.00} in leasing payments after the expiration of my 24 month agreement. XXXX finally after 6 years offered me a buyout for my XXXX XXXX in the amount of {$54.00} which I remitted and it cleared XXXX bank account on XX/XX/XXXX. 

I have attached a copy of the negotiated check for {$54.00} payment. Per XXXX Quote No. XXXX, the payment was not due until XX/XX/XXXX. XXXX responded to the first CFPB complaint on XX/XX/XXXX, several days after they had received my buyout payment and falsely stated they had not received the payment. XXXX generated another invoice for the month of XX/XX/XXXX for {$230.00}. It is obvious that XXXX misrepresented the payment and accounting history of my account on purpose just to generate additional billing or to attempt to renew my lease term for another 60 days to benefit their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Collection agency added an account to my credit report on XX/XX/year>. This is not my account I have asked for verification of debt. I have received several text messages about this account. I have XXXX other accounts reporting on my credit report that are XXXX XXXX XXXX and XXXX XXXX. I have asked for help with verification nothing has been provided.
Product: Bank account or service

Through out the month of XXXX I have had multiple issues with Discover Bank. I have had this bank for roughly two years and I never encountered so many issues with them like I have had in these recent past weeks. Discover Bank does not have any physical branches or services like deposit accepting ATM 's, they also do not offer any form of overdraft protection. Discover Bank does offer mobile deposit which they claim to be a convenient way to have deposits made quick and efficient to customers checking account. It is not so convenient as most items are not credited until one business day. I had contacted one bank official and asked if they could credit my account if I used an item such a cashier check ( which certifies the amounts mentioned on instrument ) Discover said they could credit the account as the instrument of deposit was certified, I would just have to inform a representative of the deposit and when it was made. I did that deposit for an amount of {$50.00} to avoid any negative balances, returned payments, and NSF charges. I also emailed them to inform them of the deposit so they could go ahead and credit my account and have everything corrected. I was emailed back by a representative at XXXX central time informing that they would not remove the hold on certified funds. Discover went ahead and returned XXXX ACH payments and XXXX draft payment because their was a negative balance. At the same time they had also place a hold on ACH deposits of {$250.00} the that would have covered the payments that were attempting to post on the checking account and the cashier check would have covered any other outstanding balances. Within the account summary in the online banking page of discover that the mentioned draft posted and cleared leaving a debit balance {$98.00}. I do not understand why discover put holds on my account for funds that certified and verifiable. Those actions by Discover have subsequently cause me to have had returned payment fees with my payees and have made stand out as customer that can not meet his obligations when that is not the case.
Product: Credit reporting or other personal consumer reports

I received a letter from SHEFFIELD FINANCIAL XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX This Loan Application letter was sent to my home address in my name stating Dear Applicant Thanks you for your recent application. Your request for a loan was carefully considered. 
They did not give the loan, for which I am thankful I HAVE NEVER APPLY FOR ANY LOAN THROUGH ANY CREDIT AGENCY NAMELY XXXX OR ANY AGENCIES ATTACHED TO XXXX XXXX  But some one was actually trying to apply for loan in my name through XXXX XXXX XXXX XXXX XXXX, GA XXXX - XXXX XXXX XXXX XXXX
Product: Checking or savings account

I started XXXX XXXX XXXX XX/XX/year> for {$50.00}, I paid with XXXX, I ordered the wrong type of serve so I requested a refund with XXXX transaction id ( XXXX ) which was refunded but later resolved the issue with XXXX XXXX, so they ended up taking out the {$50.00} dollars again. XXXX XXXX I got charged again from XXXX transaction ID XXXX for XXXX, now my account is getting overdraft and having extra fees XXXX, I reached out to XXXX, I reached out to Chase but they couldn't dispute it
Product: Checking or savings account

Wells Fargo makes it a pleasure to charge {$35.00} overdraft fees, it less than a month I have been hit with {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate and false information reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested XXXX months ago to cancel my membership and yet I am being BILLED and yet can not access my membership.
Product: Credit reporting or other personal consumer reports

I discovered errors in my credit report regarding 15 USC 1681c-2. The hard inquiries included were not authorized by me. Kindly remove these unauthorized inquiries immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted on XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed accounts and information from my Credit File. On XX/XX/XXXX, I also sent a dispute letter to the credit bureaus asking them to delete the following accounts : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX Date XXXX Original Balance {$2900.00} XXXX XXXX XXXX  XXXX Date Assigned XX/XX/XXXX Original Balance {$570.00} XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Original Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Original Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Original Balance {$1500.00} ; that are UNKNOWN to me. The Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ) requires the credit reporting agencies to delete all accounts and information no later than four business days following XX/XX/XXXX, according to the statute that I just learned about. This is something I've already mentioned in my complaints # XXXX, # XXXX, and # XXXX and is something I'm mentioning once more. If the Credit Bureaus assert that the disputed things belong to me, kindly send me copies of any documentation that establish my ownership of the disputed items or that include my signature. The items in my credit file should be immediately removed if I don't receive them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Reinvestigation of Inaccurate Information on Credit Report Dear Sir/Madam, I am writing to request a investigation of the following item ( s ) on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter.

Disputed Item ( s ) : Account Name : XXXX  XXXX Account Number : XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the recent update to my TransUnion credit report on XX/XX/year>, regarding the XXXX XXXX XXXX collections account and requesting a re-investigation of all reported details. The original creditor, listed as XXXXXXXX XXXX XXXX XXXX is reporting a XXXX balance on my XXXX credit report, as of XX/XX/year>, with the account marked as closed and transferred. This raises significant concerns about the legitimacy of the XXXX XXXX XXXX collections account being reported on my TransUnion credit report, with a balance of {$1400.00}. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy. Since XXXXXXXX XXXX XXXX XXXX reports a XXXX balance and closed the account, there is no valid reason for XXXX XXXX XXXX to be reporting a balance of {$1400.00}. Therefore, I am requesting proof of assignment or transfer of the debt from XXXXXXXX XXXX XXXX XXXX to XXXX XXXX XXXX, as well as valid documentation verifying their legal right to collect on this account. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires that only accurate and verifiable information be furnished by collection agencies. I also dispute the remarks stating " Account information disputed by consumer, meets FCRA requirements, '' as I have successfully disputed this account with XXXX and XXXX, leading to its removal from both reports. These remarks are misleading, and I request they be removed in compliance with FCRA 15 U.S.C. 1681s-2. I request a thorough re-investigation of all account details, including the balance, original creditor information, collection status, and remarks. Please provide written confirmation of the results of your investigation, along with proof of assignment or transfer of the debt from XXXXXXXX XXXX XXXX XXXX to XXXX XXXX XXXX. If the debt can not be verified, the XXXX XXXX XXXX account should be removed from my TransUnion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX, through their payer source XXXX charged a deposit of {$2400.00} for a river cruise to my Discover credit card. The cruise did not happen due to the covid crisis. On XX/XX/XXXX, XXXX, through their payer source XXXX refunded {$2700.00} to the same Discover account. I never received the refund to that account because the account had been closed in early XXXX due to a fraudulent charge made on that account. I was issued a new credit card number through Discover. Discover claims they can't see any information involving the initial account. 

I have spent hours on the phone and in on-line chats with a whole host of Discover personnel since XXXX. I have gotten nowhere - Discover denies having received the money and then the last time I spoke with a Discover representative I was told they had returned the money to XXXX but refused to provide any proof of this transaction. XXXX states they have not received the money from Discover. 

I am attaching my letter to Discover on XX/XX/XXXX, the statement with the initial charge, a letter from an XXXX represnetative, and transaction records of both the charge and the refund from XXXX. 

I need help and am hopefully you can assist me.
Product: Checking or savings account

My name is XXXX XXXX, I am a Citi checking account ( account # : XXXX ) holder, as well as Citi credit card holder for nearly four years. I applied the Citibank Account Package on XX/XX/XXXX via a promotion page and got approved. Upon approval, I got the account and routing number, transferred funds details, as well as a welcome emails ( see attached ). I also got my debit card shipped to my address very soon and set up a online user ID to manage it. 

On XX/XX/XXXX, however, I am locked out of the online login and later discovered via phone chatting that my new checking account is closed by fraud department, citing that the bank can not verify some information. However, Citibank refused to disclose to me the details of the closure, nor was I able to speak to anyone who has the right to share information. From the very beginning of my account application, the process is done by myself and there is no fraud activity involved. All the provided information is true and genuine. My credit report is also unfreeze, unlocked and in good conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have tried contacting all credit bureaus about unauthorized hard inquires on my credit report please help the applications I applied for with my credit union shows decline due to too many inquiries I have tried everything please help. <P/>XXXX shows XXXX disputed XXXX disputed Experian disputed I am trying to re establish my credit and I ca n't move forward with multiple inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing to dispute several inquiries that have appeared on my credit report. As a responsible consumer, I am diligent about monitoring my credit report and ensuring that all the information reported is accurate. However, upon reviewing my report, I have noticed several inquiries that I do not recognize and did not authorize.

The unauthorized inquiries on my credit report have caused me significant concern as they could negatively impact my credit score and overall financial wellbeing. I have not applied for any credit or authorized any inquiries that would result in these entries on my report.

I have already contacted the credit bureaus to dispute these inquiries, but I have not received a satisfactory resolution. Therefore, I am seeking your assistance in resolving this issue and ensuring that my credit report accurately reflects my credit history.
Product: Mortgage

On XX/XX/20 my house was broken into. My door was completely destroyed. I called the police and made a report since I have cameras everything including the 2 guys is on video and has been given to the police. I noticed a sticker that had been left that said my property was determined vacant and if it's not vacant to call XXXX XXXX XXXX. I called them asking questions that they didn't want to answer but they did tell me they sent the 2 men out because Bank of America told them to. The 2 men apparently thought my property was vacant. When they broke in and found out it wasn't they reported that to XXXX XXXX. That's why when I called they said they knew it wasn't vacant. Just for the record Bank of America knew my property wasnt vacant. It doesnt even look vacant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXXBalance : {$8200.00} XXXX XXXX XXXXBalance : {$0.00} XXXX Balance : {$380.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

this was the companies stall tactic this what they sent me, so I attached my drivers license, Bank Statement and a copy of my social security card I'm submitting it thru here to make sure they get it they keep telling me they have not got it thru the mail sent XX/XX/2022 I want them to update there file so I can get all this fraudulent accounts blocked and deleted which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now My identity was stolen me and my family of XXXX will be facing XXXX  due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft XXXX  XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX My Name should only be listed as XXXX XXXX all other names should be deleted my correct address is XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX all others should be deleted to prevent further fraud and any mail sent there with any dispute information my only phone number is XXXX all others should be removed
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that resulted from an alleged inaccurate reporting but I still have INQUIRIES left that needed to be removed. I was a victim of inaccurate reporting and this is another request to remove the inquiries from my credit file resulting from alleged inaccurate reporting. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after the XX/XX/XXXX. Ive already included this issue in my previous letter & I am including it again with a new FTC report XXXX. Also, the information you provided on these inquiries is UNKNOWN to me and was REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX : XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX. This complaint is to notify you if you do not REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your LAST NOTICE. Please REMOVE the INQUIRIES resulting from alleged inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've sent the credit bureau XXXX  and transunion documentation and letters to update their inaccurate information. ive snet ftc reports dating back in XX/XX/2019 again in XXXX and XXXX they have fraudulent information reporting and all they do is say that the company has updated information without providing any documentation