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

As a longtime Citibank credit card customer with a XXXX  over XXXX, i took them up on their offer for a 4.25 % savings account and transferred {$46000.00} on XXXX from my XXXX account. On XX/XX/XXXX, i tried to transfer XXXX for a large home improvement back to my XXXX account and had gotten a Account Blocked message for over a week on their self service portal as of XX/XX/XXXX. After talking to the agent on XX/XX/XXXX, learned it was a potential fraud block and would take 24 to 48 hours. Many days later on XX/XX/XXXX, i spoke to an agent and then a supervisor ( XXXX- who would not disclose her last name ) and they told me the only thing i can do is pay {$17.00} for a wire to get my own money because the free service online for up to $ XXXX was not working- she did confirm there was no longer a fraud flag on the account despite getting a " Account Blocked '' message when trying the transfer for the XXXX time. The supervisor would not waive the fee and said that was all they could do however they then passed me to technical assistance where someone verified my information and would put through the transfer and i should see it within the hour. On XX/XX/XXXX the funds still did not appear and the transaction is not even on the Citi account. Therefore on XX/XX/XXXX, i acknowledged the {$17.00} loss and transferred all of my money back to XXXX at a loss. This is not right, poor customer service, and failure to give me access to my own money after spending countless online attempts and multiple calls to Citi 's customer service line. 

Savings Acct # : XXXX
Product: Money transfer, virtual currency, or money service

I made withdrawals ( wallet to wallet for XXXX and XXXX ) from my BlockFi account that were not honored. They are still in a " pending '' status with an expected delivery date of XX/XX/2022 ( which has since passed by 5 days ). I contacted the company on XX/XX/XXXX th ( Untitled ticket XXXX ) with no response. Later, I found out withdrawals for all accounts were " paused ''. I was not aware they could hold the currency in my accounts. In fact, in the disclosures it says that money in my wallet was held and controlled by me.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to DELETE these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into a store ( XXXX ) to make a purchase via debit card. The clerk stated that the card swipe didn't work. She then asked me to take my debit out and also give her my ID to verify that it was my card, she then began typing into their system. I told her that I didn't want any promotional items, text or phone calls. She did ask before the transaction if I wanted a credit card, my answer was no because I no longer use individual store cards - only majors. 
After leaving the store I learned that she used my ID to get my social and address to apply for a credit card. I DID NOT REQUEST THIS! I phone the district manager who has spoken with me a week ago and has not followed up. When I spoke to that exact store clerk, she stated that just by making a payment with a debit card their machines automatically run credit. I know this to be false and misleading - that was the 2nd time she misrepresented herself and lied. Now I have a hard inquiry from them whereas I did not request any card. I never gave her my social - she had to use my date of birth and address.
Product: Checking or savings account

I have not received my direct deposit. They promise 2 days prior to pay day and nothing has been deposited. Wednesday no deposit and Friday still no deposit. My payroll has confirmed that payment was sent correctly, capital one as admitted via email that they have system issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

These medical accounts are reporting on my credit report from a third party vendor and by law credit bureau 's can not report OK legally from a third party vendor
Product: Credit reporting or other personal consumer reports

This is written as a charge off on my credit. Ive never received a 1099c. Been charged off since XXXX. 
It is XXXX. Im requesting this gets removed because it is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with the credit bureaus on XX/XX/XXXX in regards to unauthorized, inaccurate, and fraudulent accounts on my credit report. I havent received a response or status on the investigation in the past 30 days! This is unacceptable and in violation with the FCRA. The credit bureaus are in violation of Section 623 of the FCRA and Regulation V that states furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX XXXX data breach and XXXX Experian data breach. Someone is using my identity to do things I have not authorized or the credit bureaus is reporting another person information on my credit profile. I am the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will seek litigation and {$1500.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Unauthorized use of credit report.

2. The credit reporting agency took OVER 60 days to respond to me and I still have not received a response. ( 100 % Failure to uphold FCRA laws! ). 
I sent my letter on XX/XX/2021 it is now XX/XX/2021 and still no response or changes
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I had an interview for a job offer from work from home customer service over telegram messaging from a manager named XXXX XXXX from XXXX XXXX She asked me to introduce myself so I gave my name and where I'm from and what position I'm applying for. Then she gave me information about the company and what my job and responsibilities are if I'm hired. Then she started interview questions also asked what bank I bank with and asked if they do mobile deposits.Then asked me to wait while she send my interview questions to a hiring manager. Told me i was hired for the job and how much i will be getteing paid. Then asked for my personal information name, DOB, phone number and email address and home address. Also a picture of my ID and a picture of myself for my profile. So I can be enlisted into the company portal. Then told me that the company will provide me with equipment for my job and it will be delivered to my address. She told me as soon as the tracking information is ready she will let me know of the tracking number. Then she said the company will provide funds for the working materials and that I can print a check of {$100.00} for myself for sign up bonus and I can use my mobile app to deposit my check. By this time I knew I was getting scammed because no company with let you print a check to deposit into my account. Then she asked how do I want the check written. Then she asked if I was able to print the check from home I said I don't have a printer. Then asked if there is a library or staples near me. I said no because she wanted me to print the check like in a rush. Then I asked if this job is real she said yes as soon as you receive your equipment you will be on a zoom call with head department. Then later on that night I start receiving emails that my personal information is being looked into through XXXX XXXX, XXXX XXXX, XXXX, XXXX that I'm looking into this I was like XXXX. Then this morning XX/XX/XXXX I got an email from Experian credit is being looked into and this is not me doing it. I think they are trying to get as much information as they can about me. So I need help with my situation that I got myself into. Because I do not want them to hack into my bank account. Please help me!!!! I have attached the conversations during the interview yesterday Thursday.
Product: Checking or savings account

On XX/XX/year> I tried to make a purchase online via XXXX the merchant site gave an error saying the transaction didnt go through. I contacted the merchant they said Robinhood the card issuer cancelled the charge and that the pre authorization with drop off in three days. However Robinhood claims the transaction settled and is forcing me to go through a dispute even though the merchant says the transaction is cancelled on their side. Essentially it seems a technical issue on Robinhood side and their trrribly inadequate customer service is basically letting them hold my funds hostage in violation of federal regulation.

Robinhood has been terrible to work with and I think their inaction and holding my funds hostage warrants a thorough investigation into whether they violated federal law or regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has not been updated since XX/XX/2020 for XXXX. It states that I still have a balance of {$440.00} when I currently have XXXX balance. 
I have contact the company of numerous occasions and nothing has been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are random hard inquires from this company on my credit and I did not authorize them. They are on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I sent Vance & Huffman a letter in which they received on XXXX XXXX, XXXX disputing an account on my credit file. I asked them to send me the XXXX XXXX, and promissory note along with my wet ink signature and they have failed to provide me with that information as well as they have not put my account in a disputed, nor have they verified the status per 15 U.S Section 1681i ... This account also has missing and inaccurate information listed which is in direct violation of the FCRA..
Product: Credit reporting or other personal consumer reports

These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).
Product: Credit reporting or other personal consumer reports

Experian is reporting XXXX late payment for XX/XX/XXXX for XXXX of my credit cards ( XXXX/XXXX  and XXXX  XXXX ). I have reported these late payments multiple times as invalid, inaccurate and a mistake that should not be on my credit report. Experian has claimed multiple times they've investigated the reported information and found it to be accurate. On XX/XX/XXXX, I sent two letters to Experian challenging their dispute results for both cards and requesting a detailed description of the method of verification used to validate the reported information as required by Section 168i ( a ) ( 6 ) of the Fair Credit Reporting Act. Experian did not provide this information and it has now been 30 days.
Product: Credit reporting or other personal consumer reports

I have initiated disputes for the listed items on my credit report, and I have serious doubts regarding the thoroughness of the investigation conducted by your company. Regrettably, the requested evidence to substantiate the account has not been provided, and the documents I submitted as proof of the inaccuracy of these items have seemingly been overlooked.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ) ( 1 ) ( A ), your company is obligated by federal law to undertake physical verification of the original signed certified consumer contract for all accounts submitted for posting or reporting on a credit report. Given the absence of this essential verification, I insist that these accounts be promptly removed.

In light of the FCRA 's requirements, I kindly request the immediate deletion of these disputed accounts from my credit report, ensuring compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 an alleged fraud or extortion. 
XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$0.00} OXXXX  XXXX Balance : {$19000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet there are accounts still passed on that should be taken out. Per FCRA segment 605 you are expected to delete any records. I've proactively remembered this report for a past letter and I am including it once more. I will take legal actions regarding my aims. The following accounts needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am a member of a XXXX XXXX. I have asked and was told that under the law I was entitled. I submitted a complaint to the XXXX and was told yesterday that the complaint was closed.
Product: Credit card or prepaid card

I received a credit card from Bank of America on XX/XX/2022, but I did not apply for it. Someone else, pretending to be me, applied for this card on XX/XX/2022. I tried calling Bank of America 's Fraud Department Line, but it kept asking for the last XXXX digits of my social security number, which I was uncomfortable giving since I had never applied for this card. On XX/XX/2022 I received a text message from BofA saying there was unusual activity on my account. I disregarded the message because I don't have a BofA account. I thought it was a scam to collect my information. However, this might be the case.
Product: Credit reporting or other personal consumer reports

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

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

This is a direct dispute with Experian. I had a 30 day late listed on a XXXX XXXX account. The account number XXXX, date open XX/XX/2011. they have me listed as a 30 day late in XX/XX/2011. This is untrue and I have disputed this multiple times. I was infact not late and I need the account updated correctly. The account was paid as agreed, I paid XX/XX/XXXX payment, The motorcycle was stolen. the next payment date was XXXX. The check from the insurance company was sent to XXXX XXXX XXXX on XX/XX/XXXX. Therefore according to the Credit Reporting resource guide I can not be marked a 30 day late. The industry Standards set forth by the CRA states " the " clock '' for a 30-day delinquent account starts 30 days after the due date as opposed to the billing due date. How long it took XXXX XXXX to process the check when it arrived on XX/XX/XXXX is n't my, the consumers responsibility. They did in fact received the check within the 30 day window set forth by these standards and that payment should have been applied to my account on that date. All Experian has done is sent it to XXXX XXXX and they verify it. They have not done their due diligence in correcting it. I am asking this be corrected and report as a positive reporting account. I was not 30 days late and it was paid by my Insurance company within the allotted time frame. I have attached a letter from my insurance company for proof of when the payment was mail and it was not past the 30 day window of XX/XX/XXXX. I 'm not going to keep going back and forth with Experian, XXXX, and XXXX. I have done that multiple times. I want it corrected ASAP! I also want the comments deleted that says paid account/was 30 days past due date.
Product: Checking or savings account

I have been with Bank of America for 30 years plus. I deposited my paycheck on Monday, XX/XX/2019 as I have done every other week for the last 20 years at about the same amount of {$840.00}. They have put a partial hold overnight before which I can understand. My account was low but not overdrawn. They put a " 7 day hold '' on it which means a nine day hold as there will always be a weekend in a 7 day hold. I am living paycheck to paycheck. I'm XXXX and don't have any other options. My account gets low but I thought that was the reason you deposited a check. I'm desperate with no money and many bills to pay. I checked with the issuing bank to try and stop the payment but the check already cleared. I have a copy of that from XXXX XXXX which I don't think is an exotic bank. They have my money and I can't do a thing about it. After contacting their customer service department which was a joke because there was no service at all, I was told that they would not let me talk to anyone else. I went to the branch, no service at all. I contacted another B of A bank manager and they said their hands are tied. So I called my congressman and they said it's legal. After 30+ years they can change their policy and hold on to my money? Is this something I will have to worry about with every deposit? We are getting XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have appealed my credit report to the credit report agencies for numbers of despute. Bi law credit collectors must notify me bi either phone or bi telephone and assumption of notification does not validate contact. yet after providing portfolio recovery with a court document stating that at the time of purchase the letter they mailed to the po box one of the addresses in my credit report i no longer had access to the box as i was in XXXX XXXX on XX/XX/XXXX XXXX as shown on the court disposition i provided. Also to further validate that communacation was not made there is a XXXX XXXX on my credit report  that showed i was in XXXX  on XXXX XXXX. XXXX  on XX/XX/XXXX sentenced on XX/XX/XXXX no communication was mad to any XXXX XXXX and that is not my responsibility it was the responsibility of the debt collector as they assume all responsibily. this one reason of violation of consumer rights they also violated consumer rights as i recquested every sigle detail on my debt as payments contract as i never have entered into debt with portfolio recovery so i am entitled bi law to review for inspection every single detail of that debt includint and not limit to binding contract and payment history and amount the only thing fowarded bi portfolio recovery was a piece of paper with my name a few dates and a letter stateing they purchased the debt in a time i was XXXX  and the address is not where i lived. these three violation of consumer law must be addressed between them and the credit borreaus as they are illegally reporting on my credit when they have no legal claim and are causing me hardship
Product: Checking or savings account

I got locked out of my Citi bank mobile account. after I tried to use my XXXX XXXX for the first time since I last logged in and it said to me that my account was closed do to too many incorrect entries but I dont use to the password I use XXXX XXXX  or key codes so I knew some was off then I called them to see if they can help me and after being on the phone for 40 mins all they kept telling me was find my banking info and then call them back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not a robot nor am I a 3rd party, however I am a 3rd year XXXX XXXX  and I have put in a lot of time to study consumer law, and I know my rights have been violated. 15 USC 1681 section 602 A. states I have a right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency CAN NOT furnish any account without my WRITTEN consent. FEDERAL LAW overrides ANY company policy. XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX FRAUDULENT ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Remove any variation of my name that is not XXXX XXXX