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

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : INACCURATE NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$64.00} XXXX XXXX  ( XXXX Creditor : XXXX XXXX  XXXX BANK XXXX A ) XXXX Balance : {$1100.00} XXXXXXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX  XXXX A ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$2300.00} XXXX XXXX  XXXX XX/XX/year> XXXX XXXXL XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX : {$1100.00} XXXX  XXXX XXXX : {$1600.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX, XXXX, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

Complaint number amendment XXXX I couldnt modify the feed back to this compliant but I looked at my portal and lo and behold they took {$610.00} out on XX/XX/XXXX for FLOOD INSURANCE, this is unreal. XX/XX/XXXX? Mr. Coopers XXXX XXXX, XXXX, who I spoke to on XX/XX/XXXX, asked for the the name and number of the agency that holds our master policy and said she was getting it directly from them, in addition to that, just to be sure since Mr. Cooper never receives the proof since XXXX, no matter how many times its sent, I completed a form from our property manager and HOA, that they send to the insurance agency, XXXX, to send the proof directly to Mr. Cooper, I imagine that will have to be spent a XXXX times before they quit taking extra funds. This is reprehensible and I will call the media so others who dont research this wont be scammed. 
Also, Ive been making payments, they still ask you are you ready to resume payments and customer service says if you are not, you have to refinance that is the only option. That is not true according to Fannie Mae, its deceiptful and dishonest and Im sure its a violation of some act, Ive done so much research Im exhausted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.
Product: Checking or savings account

I have reached out multiple times to my local chase in XXXX IL, and they have failed to solve my problem. I recieved my account number from a teller at my local chase on a business card. When I filed my taxes for XXXX on XX/XX/XXXX I provided the account number that chase had provided me. Well I was supposed to receive my direct deposit for my tax return for the amount of {$1100.00} on XX/XX/XXXX. Well XX/XX/XXXX came and no deposit was made when I contacted my local chase to see what the issue was on XXXX XXXX thus my first complaint. it turned out that the teller person had provided me with the incorrect account number. And the account number provided to me by my local chase was somebody else account and my direct deposit went into this other persons account. After reaching out multiple times and going into my local chase in XXXX IL in person chase has refused to reverse that payment back to the IRS or back to my account. Chase has also allowed somebody else to use of my money!!! Chase has refused multiple times to reverse the payment into my account and accept their fault at giving me the wrong account number. And they have allowed another person to use my hard working money that I earned. I have received a letter from the IRS stating that Chase is fully responsible for fixing there mistake. And reversing the payment to my account. This is not right! And I am extremely dissapointed. You are supposed to trust your bank and trust that they take care of your money. And the fact that they have refused and allowed someone else to steal my money is absured. I have filed a police report and this other person wont be so happy to hear that they are being charged with theft for stealing my money. As well as Jp Morgan Chase wont be happy to hear this is my 3rd complaint and nothing has been resolved and it will be posted on the reviews that they have refused to issue my refund back to me.
Product: Credit card or prepaid card

XXXX AT & T Universal Card account shows a pending " authorization charge '' of {$26.00} for an XXXX ordered. I paid this on XX/XX/23 and XXXX says it removed the charge on XX/XX/23, yet the credit card online account summary shows the charge still pending. I contacted AT & T card service on XX/XX/23 and was told nothing could be done until the charge posts and is disputed, XXXX tells me the card carrier is taking too long to remove this pending charge that I have already paid. AT & T customer service tells me I must wait until the charge posts and go through the dispute process. In the meantime my credit limit is reduced by the amount of this charge. AT & T should promptly remove this illegitimate pending charge and release the amount back to my credit limit.
Product: Checking or savings account

This past XX/XX/2022 I was scheduled to start work at XXXXXXXX XXXX. so I started my shift at XXXXXXXX XXXX. and at or around XXXXXXXX XXXX. I took my first break! While I was on break I realized I had a few emails and texts messages ( I have texts alerts and I also receive emails when there's money spent and added to my card ) so I looked at my emails and realized that someone had made a total of 5 attempts to withdraw money from my account 3 transactions where successful and the other 2 transactions were declined. I don't know how this would be possible since I had my debit card in my pocket. So I was freaking out and my heart dropped I managed to call wisely the debit card company and told them to cancel my card immediately and I explained what had just happened while I was at work and I also told them that NO ONE HAS access to my debit card information and that I also had my debit card in my pocket. She told me they would reimburse me for my lost but it could take up to 45 days. I've called them numerous times and I also have sent them 2 copy 's of a letter describing what happened and where I was at when this all happened I even sent them a copy of proof showing them that I was at work in a different city while this all took place. They claim they never had received my letter 's. And I also made a police report over the phone I tried talking to the two XXXX where the transactions took place at with no help since I don't have active bank accounts with either so they could not help me either. Every time I call wisely it's just the run around a it's always a different person I speak with and they always tell me something completely different.
Product: Credit reporting or other personal consumer reports

Spoke with customer representative with Experian. They refused to prove or show the results of false information on my consumer report. I ask for these things not to be shared to the public due to my well being and choice of privacy. My credit has been compromised by data breaches as well. I have a FTC report. Reference # XXXX
Product: Credit card or prepaid card

Unfair assessment of late fees & interest. We always be entire balance before due date. Received XX/XX/XXXX credit card statement on XX/XX/XXXX. The same day, XX/XX/XXXX, I mailed a check for entire balance from INSIDE my local post office. On XX/XX/XXXX, I get email from Credit Card company stating they don't have payment. This is the 1st time this has happened. I call. Rep says they don't have check and advises me to put a stop-payment on check. To avoid lateness, we do a 1-time electronic transfer. The next day, XX/XX/XXXX, I put a stop payment on wayward check. The bank makes a mistake. Instead of just stopping payment on that 1 check, the bank mistakenly puts a stop payment on all funds from my checking account to my credit card. The original electronic transfer of XX/XX/XXXX, which had been posted to my checking account, was now reversed ( unbeknownst to me ). It wasn't until XX/XX/XXXX that I get an email from credit card saying payment is late. There is a lot of in-between details, but the bottom line is a new electronic transfer of funds from my checking account to the credit card company was successful on XX/XX/XXXX. However, the credit card company insists I pay the interest charges even though they screwed up by mishandling my check and advising me to put a stop-payment on it. ( Later, I'd learn that the credit card company had, indeed, received the " wayward '' check on XX/XX/XXXX, and if they had posted it then they never would have notified me on XX/XX/XXXX that my payment was not received ; hence, everything after XX/XX/XXXX would not have occurrred, and there never would have been late fees/interest charges in the 1st place.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX XXXXXXXX Balance : {$27000.00}
Product: Debt collection

XXXX XXXX XXXX capital one threat jail time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to 15 UsC 6802, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' And XXXX XXXX never provided me with such notice to prohibit providing any such information to any of the credit reporting agencies as well as other Nonaffiliated third parties. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' And at this moment and moving forward I am opting out of all and any providing of my nonpublic personal information. See attachments.
Product: Checking or savings account

I made a transfer request on XX/XX/2021. It was made to an attorneys XXXX account. The transfer was made as an ACH instead of a wire transfer and the XXXX account blocks it automatically because it doesnt receive ACH transfers. The recipient bank Rejected the funds and the funds were returned XX/XX/2021. Since XX/XX/XXXX until today XX/XX/XXXX, I havent not received my funds yet. Bank of America claims the funds were not returned but the recipient bank sent me confirmation of the communication between both banks in regards to my funds being returned. I havent been able to solve this with anyone at Bank of America. I was placed on hold multiple times multiple days with over hour waiting times. I have been a customer of Bank of America for 15 years and I am perplexed by the level of disregard for my experience as a loyal customer.
Product: Debt collection

I am filing this complaint against Credit Acceptance regarding two accounts with the following details : Account Number : XXXX Account Number : XXXX Despite my dispute of these accounts ' validity and accuracy, Credit Acceptance has continued to report negative and derogatory information to credit reporting agencies ( XXXX, XXXX, and XXXX ) XXXX This reporting is negatively impacting my credit score and financial standing. 

See Attachments at the bottom
Product: Credit card

My credit was stolen, and charges were made from XXXX to XXXX. I reported the fraud as soon as I found out. I never use the card outside of Macy 's store. The fraud amount was about XXXX dollars. When I called the fraud department, they told me it was no need to file a police report. I sent additional information showing I was out of town in Florida when the purchases were made. I provided my airplane ticket and bank account statements showing I was in Florida while the card was being used in Washington XXXX.
Product: Credit reporting or other personal consumer reports

I have contacted the creditor and they have failed to provide me with any validation and verification. Please see info below sent to consumer reporting agency since the creditor did not respond within 30 days Im exercising my right under the Fair Credit Reporting Act, Section 609, to request validation, as this is causing damages to my credit report. I am requesting you remove collections from my credit report immediately as it violates the FCRA and FDCPA laws. I have sent validation of debt information to creditor and received no response within the 30 days allotted.

I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my original wet signature. I am also requesting for you to provide me with all information and documents pertaining to civil claim and/or judgment in accordance with the 15USC 1692h 809b as I have reached out to the debt collector If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. If this debt can not be validated it needs to be removed from my credit report immediately or I will be in contact with the Office of Consumer Affairs and Business Regulations and file and FTC report for permissible purpose as you do not have permission to have this account in my consumer credit report. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a total of XXXX student loans listed on my TransUnion credit report all opened on the same day : XX/XX/2016 totally {$5500.00} that was taken out under my name. I did not open these accounts as I have never been enrolled or attended any college or had any need for a student loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX CARD SER, XXXX XXXX CITIZENS BANK, XXXX XXXX XXXX XXXX BANK XXXX, XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX BANK XXXX, XX/XX/XXXX 2023
Product: Checking or savings account

I lost my car on XX/XX/2021 and 6 transactions were made using my Investors bank debit visa card. I opened a claim with my bank and they gave e provisional credit for only one of the 6 transactions. After a few weeks the claim for those other 5 transactions was declined because the conctacless was used for the payment, something that doenst tell anything if I authorized or not those transactions. 
I reopened the case saying that doenst make sense that answer and more if one of the transactions was approved to get the money back and the other 5 dont. Since then Im still waiting for an answer and my money back. 
Claim number XXXX XXXX
Product: Debt collection

Hello, Last year, I closed an account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After a month, I paid the last bill pro-rated, as stated by the XXXX XXXX XXXX representative. I began to receive debt collection communication from Sunrise about a debt amount of {$46.00}. The Sunrise account number is # XXXX. 

I did not receive any type of communication from XXXX XXXX XXXX about this. I tried calling, but unable to get through. I do not owe this debt as this account shouldn't be open in the first place.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XX/XX/year> in XXXX XXXX. My address is XXXX XXXX XXXX XXXX pa I live for the past 3 years recently move to XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX XXXX, XXXX, transunion are been putting Collections on my name I reported them serval time thats the wrong birth date but they keep ignoring my letter no response to non of them has responded they put a wrong address as well that I do not live not recognized. That cause me to get places and finances stable due to they errors that caused me a lot. I have my passport to prove it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX THRU XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  REPORTING THAT MY ACCOUNT IS OPEN WHEN IT IS CLOSED ALSO REPORTING XXXX UNDER PARTIAL PAYMENT AGREEMENT WHEN ACTUALLY ITS UNDER CREDIT PROTECTION I HAVE DISPUTED THIS INFORMATION OVER AND OVER AGAIN AND XXXX STILL INSISTS THAT ITS VERIFIED WHEN I HAVE CALLED MYSELF AND WAS TOLD IT IS IN FACT CLOSED IF XXXX NOT MISTAKEN BECAUSE THE INFORMATION IS INACCURATE IT HAS TO BE REMOVED FROM MY REPORT. 

MACYS/ CBNA REPORTING CHARGE OFF IN XX/XX/XXXX WHEN I ACTUALLY PAID THEM OFF IN A SETTLEMENT AGREEMENT XX/XX/XXXX AND {$450.00} WAS WRITTEN OFF AS PART OF THE SETTLEMENTAGREEMENT THE ACCOUNT WAS NEVER CHARGED OFF ALSO THEY AR REPORTING WRONG ADDRESS AND NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DID NOT RESIDE AT THESE ADDRESSES ALSO MY NAME IS XXXX XXXX XXXX XXXX HAVE REPORTED ON THERE OTHER VARIATIONS OF MY NAME AS XXXX XXXX AND XXXX XXXX XXXX XXXX HAVE NEVER EVER USED MY NAME IN THESE FORMATS XXXX REFUSES TO PROPERLY INVESTIGATE THESE ACCOUNTS AND PERSONAL INFORMATION EVEN AFTER REPORTING THESE MULTIPLE TIMES AND DISPUTING INFORMATION
Product: Checking or savings account

To Whom This May Concern, Back on XX/XX/2022, my bank institution, TD Bank, deposited a check in the amount of {$920.00}, ( XXXX DEBIT from " XXXX OF XXXX '', which wasn't my payroll check as I have multiple evidence, my job institution is " XXXX  ''. On XX/XX/XXXX, the reversal in the amount of {$920.00} was successfully refunded to the correct account. Apparently I've been told on numerous occasions, ( all conversations recorded by TD BanK ), that my account was yet again debited {$920.00} from XXXX XXXX restaurant, and upon speaking to the latest Rep, XXXX, she informed me that her supervisor, XXXX, told her that I needed to contact phone number, XXXX which is the " Federal Treasury Reserve department in order to receive my money in the amount of {$920.00}. I was shocked and appalled to know and be told that " I '' had to be the one to contact the XXXX department in order for them to send TD Bank the ok to reverse the funds back to my account. iI 've never in my 48 years and the length of time I've been banking with TD Bank, have I've ever heard and corporations tell me to contact the XXXX in order to handle my situation. At this point I don't know what else to do but to ask for your help and assistances to resolve this matter that has been going back and forth since XX/XX/2022. Look forward in hearing from u as soon as possible. Thanking u in advance. Warm Regards, XXXX XXXX XXXX