23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I was just discharged from Bankruptcy CHapter XXXX. I called numerous student loans I have to start a payment plan with them. I was told by XXXX that they outsourced my loans to Transworld Systems Inc . I contact them to start a payment process on XX/XX/2017. I set up 2 automatic withdrawals for {$100.00} ( for XX/XX/XXXX and XX/XX/XXXX ) so my account would not go to collections. One {$100.00} payment was ACH'ed on XX/XX/2017. I was told by XXXX of TSI that XXXX would settle for {$12000.00}. I paid {$12000.00} on XX/XX/2017 ( and have documentation from my bank and numerous phone conversations with TSI ). Now, TSI is posting on my credit that I am in collections and balance is UNPAID. I have called them twice to be told that the account is " settled and paid in full '' although they keep hitting my credit with derogatory marks.
Product: Checking or savings account

I have a Citi Checking and a Citi DoubleCash ( credit card ). I instructed Citi DoubleCash to pay off my credit card using my Citi Checking on X/XX/2017. Citi DoubleCash informed me that it withdrew the funds from Citi Checking on X/XX/2017 ( Citi rep confirmed it in a written chat conversation on XX/XX/XXXX ). However, on X/XX/2017 my Citi Checking did not show that the transaction took place on XXXX/XXXX/XXXX ( also it did not show that that the transaction was " pending '' / " in progress '' / " scheduled '' ). When on X/XX/2017 I asked a Citi Checking rep, how much money I had on the account, she  stated that it was {$11000.00} ( which did not reflect the {$4000.00} payment that was already transferred to my Citi DoubleCash a day earlier ).
I asked the rep what would happen if I relied on the information provided to me by Citi Checking that on XX/XX/XXXX I had {$11000.00}. What if on X/XX/2017 I withdrew {$8000.00} from the account, and a few days later Citi Checking informed me that at the time of withdrawing {$8000.00} I had not {$11000.00} but {$7000.00} on my account because Citi DoubleCash withdrew {$4000.00} on X/XX/2017. The rep  informed me that I would be charged an overdraft fee and that the fee would not be waived.
Product: Credit card or prepaid card

I sent payoffs in the amounts of {$2400.00} and {$3700.00} to pay off both of my capitalone cards. The payments were sent via checks from a title company on XX/XX/2020. CapitalOne cashed the checks and both checks cleared on XX/XX/2020. CapitalOne never credited the payments to my card balances. After verifying the information with the title company I called CapitalOne on XX/XX/XXXX to inquire about the issue. On the first call I was told there was no records of any payments being received, the second time I called I was told there was a hold on the payments because the checks havent cleared. At that point I informed the individual that both checks had cleared on the XXXX and that CapitalOne was already in possession of the funds, then I was told to hold and the line was disconnected. On the third call that day I was able to speak with someone who identified himself as a costumer service manager who told me it was Standard practice for CapitalOne to instantly cash all checks sent to them despite who they are made out to or weather the check is legible. He informed me the money goes into an account and waits for someone to call and say it belongs to them. I provided him with all of my CapitalOne account information, the name of the title company, the amounts of the checks and the date they received them, however he informed me that I hadnt provided him enough information to investigate the issue. I informed him I would be filling a complaint and ended the phone call. Later that night I received a call from CapitalOne attempting to collect payments for the card balances.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX Balance : {$930.00} XXXX XXXX Balance : {$4300.00} XXXX  XXXX XXXX Balance : {$430.00} XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$8500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00} XXXX  XX/XX/2024
Product: Checking or savings account

Citibank Inc recently sent me an offer to open a checking account with them. It was an offer that I would receive {$1000.00} bonus if I deposit $ XXXX with them in the next 30 days. 

I opened my account with an initial deposit of {$25.00} and then deposited {$30000.00} more into the account. They also have an option to connect the account through XXXX which verifies bank accounts instantly. I had linked my XXXX XXXX XXXX checking account to my new Citi Bank account and scheduled some external transfers after XXXX verified to Citibank that was my account. 

Citibank cancelled my transfers, and then did an " investigation '' and ended up closing my account. I tried calling probably 10 different times. I have no access to my money, when I call Citibank they can't find my account and have sent me no documentation whatsoever about my account. I have proof of all my documents, and currently Citibank has {$30000.00} of my money that can't be tracked. I did some more research into Citibanks practices and found that this has happened to quite a number of people, the same people that have gotten offers to move a large amount of money to their institution. Please help as Citibank has been no help and has not send me anything in the last 5 weeks in regards to a statement, funds being held etc ....
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Sent letter via certified mail regarding hard inquiry. Company failed to comply according FCRA guidelines. No response after 30 days.
Product: Credit reporting, credit repair services, 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. 

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: Credit reporting or other personal consumer reports

XXXX I disputed to validity of the Chapter XXXX Bankruptcy United States Bankruptcy XXXX XXXX XXXX XXXX Ohio XXXX Reference number : XXXX, Date : XX/XX/XXXX and the accuracy and completeness to which Lexis Nexis obtains their information through third party websites like PACER and requested a reinvestigation to verify the validity of the record through the 1st party furnisher the United States bankruptcy XXXX XXXX 

According to Lexis Nexis records their investigation was completed on XX/XX/XXXX and I never received a response or notice in writing or over the phone regarding my dispute until I followed up on it and requested a copy be mailed to me to which I didn't receive until XX/XX/XXXX in the mail which is well outside of the 5 days required by federal law to provide the consumer with the results of a reinvestigation. It is also outside of the timeframe in which they have to provide me with the full procedure of the process that was taken to complete the investigation. Lexis Nexis has violated my rights as a consumer and the standards of the METRO2 Compliance code. Per federal law they must DELETE ALL records associated with or in connection to the Chapter XXXX Bankruptcy United States Bankruptcy XXXX XXXX XXXX of Ohio, Reference number : XXXX, Date : XX/XX/XXXX, regardless of the results of their investigation due to failure to comply with the FCRA reinvestigation requirements to provide adequate notice of the results and complete a full and complete investigation within 5 days of the completion of an investigation. Also, I was not provided with a clear determination as to how the record was verified in the investigation results that were received well after the legal timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I went to XXXX XXXX XXXX in XXXX, Pa. I attempted to purchase XXXX  XXXX gift cards at {$500.00} each. The cashier range up the 2cards without any issues. The cashier attempted to scan the third card and it would say approved on my side and she said it was saying declined on her side. She scanned the card 3 times and each time it took {$500.00} out of my account for a total of {$1500.00}. I asked the cashier to get the manager and he assured me that the charges would come off of my card in the next few days. I called the credit card company to explain the situation they set up a dispute but immediately closed the dispute stating nothing was wrong. I sent them copies of the receipts of the two cards I purchased and the 3 receipts that were scanned against the third card that the cashier said was declined 3 times. I have attempted several calls to this company with no resolve. I want my {$1500.00} back.
Product: Debt collection

I sent the company on XX/XX/year> a letter requesting certain detail to confirm the legitimacy of the debt. I did not get a response and it now over XXXX days. Please assist.
Product: Credit card

In XXXX of XXXX, I purchased a television from XXXX XXXX furniture in XXXXXXXX XXXX The store is headquartered in XXXX XXXX XXXXXXXX XXXX. I have purchased many items from XXXX XXXX in the past starting in the XXXX 's. My parents purchased from them starting in the late XXXX 's. I have always used the stores XXXX days same as cash to great affect because I like the idea of buying something at no interest using someone else 's money. I always pay it off before the XXXX days and it allows me the opportunity to buy something on the spur of the moment that may be on sale. 
Upon signing the document, I informed the company that I would be paying off the balance before the XXXX days. I paid the balance in XXXX days of approximately {$2400.00} only to be told by XXXX, ( XXXX XXXX XXXX XXXX ), that because I had missed a payment I now owe them an additional {$2400.00}. I have tried repeatedly to speak to a Supervisor from XXXX only to be told that they are busy and will return my call within a couple of days to resolve the issue. I am attaching a copy of the form letter that I have received on XXXX  occasions. I don't think that there is any " Supervisor '' and that the job of the frontline people is to try to stymie and get as much money as possible. 
I have tried to resolve this issue and am more frustrated now because they have reported me to a credit agency which has dropped my XXXX score by XXXX points. I have reported them to the Attorney Generals Office of the State of XXXX since that is where the store is located and they sent me a letter indicating that I should try the XXXX Attorney Generals Office since that is where the company XXXX is. I have also complained to the BBB of XXXX since that is the state that XXXX is registered in. There are many hundreds of complaints on that website of the company and all of them are resolved by the company with the same form letter which asks them to reach out to them. 
It seems obvious that this company is in the business of extorting customers of their cash while providing no solutions. 

PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX  To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw two incorrectly trade lines for an account from XXXX XXXX for XXXX, one is {$410.00} and one is {$220.00}. Both account statuses show past due and they should not say that as these debts are not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release with my signature as the item being reported to the credit bureaus by XXXX XXXX is a VIOLATION of the HIPAA Act of 1996. XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by XXXX providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX as well as XXXX should this item not be deleted within t10 business days and until the debt has been validated and verified. XXXX XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against XXXX XXXX, XXXX XXXX, and all 3 credit bureaus : Experian, XXXX and XXXX. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from XXXX XXXX expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. 

Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXXXXXX XXXX to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$280.00} XXXX XXXXXXXX {$26.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$230.00} XXXX XXXXXXXX {$430.00} XXXX XXXX XXXX XXXXXXXX {$95.00} US DEP ED XXXX {$5000.00}
Product: Checking or savings account

On Saturday XX/XX/XXXX between XXXX XXXX  and XXXX XXXX, coming from XXXX XXXX XXXX, I stopped by the Wells Fargo ATM at XXXX XXXX XXXX XXXX, WI XXXX, To check my balance because I had to pay on XX/XX/XXXX, my son Tuition XXXX  by online withdrawal by XXXX XXXX in IL. The amount was {$2100.00} for the month. 
I went to the ATM to see if the monthly social security of {$910.00} was sent, which would make my account not to get bounced once the XXXX XXXX make the withdrawal. 
I went to The ATM and just checked the balance because I was coming from XXXXXXXX XXXX XXXX  and in case of not having the social security yet deposited, to ad up some money in order to avoid a bounced account. Fortunately, the deposit was made, and it was ok, and I returned my card. 
Monday morning to my big surprise. When I checked my account at work on my computer, {$1000.00} was withdrawn from account. No Idea how this happened. I right away called Wells Fargo and went the same branch. I was told an investigation will be done. A week after I was told my request was denied because the money was withdrawn with my pin number. I have card and I did not give it to anybody at any time. I ask them to check the camera because they can see that at any time, I did not make any withdrawal, but they just make a final decision with the pin number and did not want to refund me money
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by [ Credit Bureau Name ].

Despite my previous correspondence ( Letter 1 dated XX/XX/year> and Letter 2 dated XX/XX/year> ), which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, Equifax has not conducted a proper investigation nor provided the required documentation. 
Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : EQUIFAX failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements. 3. Federal Consumer Protect
ions : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) :. Creditor Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2 and 3 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card or prepaid card

Case number : XXXX Amount Disputed : {$14.00} Received a food delivery order from this merchant, immediately, after receiving order noticed an error with one of the entrees. Called merchant on same date of purchase, spoke to XXXX at the merchant and asked for either the proper item be redelivered to me or a credit issued to my payment method. The individual hung up the phone on me! Was provided a lengthy document to fill out from Capital One, this was faxed- see attached pages. Obviously, the merchant has no interest in rectifying issues in which they have caused, leaving me no alternative but to file a dispute.
Product: Checking or savings account

Citibank closed my account and did not give me all the money back. They closed my account because I deposited a check of my friend in my account. She owed me some money and I took the check as a payment of her. Now, Citibank does not want to give the money back and is asking the issuer of the check to ask for my money. How another person will be asking about my banking information? This is a confidentially violation. They can not share my information with more people.