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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry on my account I didnt approve
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove the items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research items I found that requires you to remove with 100 % accuracy that each items are being removed. If you do not provide any records & claim the items are remove, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio recovery is showing open collections on our credit reports, we have asked them numerous times to provide us with a signed contract showing they legally purchased any accounts with our SSN. They refuse to provide any information except an old statement from an account that isn't related to them. We demand to see contracts which they can't provide since they don't have them. We also demand that all information regarding this company and their fraudulent activities be removed from all credit reports. We also demand monetary payment for the damage they continue doing to our excellent reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports i noticed unfamiliar accounts and information on my credit report... i may have been subject to fraud and my information compromised. The following accounts are unfamiliar... 

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

This is my first 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 XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX  XXXX Balance : {$430.00} XXXX  Inquired on XX/XX/XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$430.00} ''
Product: Debt collection

I have been attempting to get a debt validation letter from Spring Oaks Capital , LLC for {$4800.00} since XX/XX/2023. That is the date that I sent a request for debt validation letter via email. I also have sent three letters by mail via the U.S Postal Service. I received a package from XXXX XXXX XXXX that was dated XX/XX/2023 at my address. However the documentation that was included in the package was for a person named XXXX XXXX XXXX for an amount of {$2100.00} from XXXX XXXX. So I am unsure if I am being scammed at this point. 
I have been receiving letters in the mail from local debt attorneys that have stated there is some type of lawsuit against me from Spring Oaks Capital , LLC but I have not received any paper work from them stating as such and as XX/XX/2023, I still have not received a debt validation letter with my signature that states that I owe Spring Oaks Capital anything. 

I have reached out to the company by their customer service email stating that I never received a debt validation letter but the information I received was for someone else and I still have yet to get a response back yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I tried to negotiate this matter with XXXX XXXX and couldnt get a good english speaking agent to assist me. Ive spoke to collector in which this account was sold and they assured me the deletion upon payment from all parties. in XXXX of 2017 however still harassed by XXXX XXXX legal team to make payments months later although payments was made in full in XXXX 2017. XXXX   XXXX is very disorganized and harmed my credit and failed to understand my situation with identity theft. my personal information was used to open an accounts as well as gain employment with Companies. after learning my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize the opening and charges on this accounts, and I therefore request that it be delete This account immediately. I also request that XXXX XXXX absolve the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies
Product: Debt collection

In XX/XX/XXXX my car was totaled as a result of a hit by a drunk driver. XXXX XXXX offered a settlement value for my car and deducted {$500.00} ( my deductible ) from the offered value.I have disputed the settlement value offered since XXXX XXXX did not calculate the repairs conducted two weeks prior to the accident : new tires, new brakes front and back, new shock absorbers, etc. In a letter dated XX/XX/XXXX, XXXX XXXX from the Presidential team, agreed to pay me an extra {$500.00}, based on the Invoices received for the upgrades/repairs and the comparables from the area. I have received only one check from XXXX XXXX in the value of {$500.00}, and this was towards the settlement value of my car based on the invoices that were not fully considered. As stated, XXXX XXXX already deducted the {$500.00} deductible from the settlement value proposed, hence that deductible was already paid as per my contractual agreement. The drunk driver did not have a license, however, the truck he was driving was insured under XXXX XXXX. XXXX XXXX reimbursed me the deductible. Initially I got contacted by XXXX XXXX XXXX from XXXX XXXX, NY to claim that I owe XXXX {$500.00} for deductible. I sent all the evidence and they closed the debt. In XX/XX/XXXX I got another debt collector AFNI , Inc, claiming the same debt. I responded to them by fax on XX/XX/XXXX to dispute the debt and to provide the evidence that I do not owe this debt. 
AFNI Inc failed to validate the debt and prove that I actually owe it.XXXX sold them a debt that has no legal basis or factual evidence and AFNI is employing unorthodox procedures of harassment and intimidation to coerce me to pay this debt, when in fact they have no evidence to prove the debt owed is accurate or valid. I have notified them in writing within the 30-day period and provided evidence the debt is not valid I also requested them you cease collection of the debt, based on the evidence submitted.I asked them to stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. They continue to call me, claiming they are attorneys and will file a legal action against me, send me letters and emails asking for the same evidence I sent them multiple times and they confirmed the receival. 
I feel I ca n't get anywhere with these people and their threats. What can I do?
Product: Checking or savings account

Note : I already filled this out but used an incorrect email address. 
On or about XX/XX/19 my coworker and I unknowingly ended up with eachother 's Wells Fargo Debit cards. We believe we picked up eachothers cards after splitting a bill at a restaurant. On XX/XX/19 my coworker tried with withdrawal funds with what he thought was his debit card but the pin didn't work. He went inside the bank, to a teller to withdrawal cash. The teller asked for ID, but didn't look at it and see that the ID and debit card did not match. The teller pulled up my account, revealed my account balances in checking and savings and asked which account he wanted to pull from and proceeded to give him {$200.00} out of my checking account. Coworker then went to a banker to get a new card and then realized that he had my card when the banker asked for ID and realized they didn't match. My coworker told the banker that it was his friends card. The banker let my coworker leave with my card and {$200.00} from my account without any verification that we were in fact " friends. '' My coworker has since revealed to employees of our company including my boss how much money I have in the bank and have called me asking for loans. I am VERY uncomfortable that my coworkers are aware of my finances. This is without a doubt a violation of my financial privacy. The teller and banker were wreakless and careless with my personal financial information. My account showed the {$200.00} withdrawal and credit, those transactions have since disappeared from my on-line account. The {$200.00} was ultimately taken from my coworkers account. If it weren't for the fact that my coworker had my card, not a stranger/thief my account could have been wiped out completely at the hands of a careless Wells Fargo teller. My financial information spread throughout my company within minutes. I don't think it's a joke nor funny at all.
Product: Debt collection

They call several times back to back. When I answer they do not talk they hang up and call back. Have called family saying my family member is involved in a credit issue with me and called employer looking for me but they will not talk to me
Product: Credit reporting, credit repair services, or other personal consumer reports

[Letter # 4]  Experian plc XXXX XXXX XXXX XXXX XXXX XXXX 
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently became interested in building my credit but when I received my credit I realized that someone has been using my information for several years to set up multiple fraudulent accounts which includes XXXX XXXX XXXX  XXXX XXXX, XXXX also there are several hard inquiries on my report that I have no knowledge of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Bank account or service

I went to deposit a check for {$200.00} at the ATM at the  US Bank Branch  at  XXXX   XXXX   XXXX   XXXX , MN on my way out to dinner and a  XXXX  game with friends. I inserted my debit card and was prompted to insert the check. When I put the check into the ATM it seemed to malfunction and kept pulling the check in and out. Then it took the check in and kept it. The screen informed me that the machine had malfunctioned and that my deposit was NOT completed and it could not return my check. The ATM then asked me for the deposit amount of the check and printed out a receipt that says deposit attempt also telling me that an error had occurred. I went into the branch and told a teller who then said I would have to wait for banker and that I should take a seat. I told him I was with a group and did not have time as I did not want them to wait for me. I called the  XXXX  number on the so called receipt and I was told that there was nothing they could do and that I would have to wait a few days to see what had happened. I checked my account online and it showed a deposit and a debit both for {$200.00}. The next morning both of those lines were gone with no mention of either on my online account. I called the  XXXX  line again and spoke to  XXXX  who said she would help and took some information. I was not satisfied with that and went back down to the US Bank Branch, paid {$8.00} to park. I then spoke to a  XXXX   XXXX  who claimed to be a manager. When he checked on his computer there was no record of my calls to customer service on my account. He was n't very friendly or helpful but did file a tracking number which is #  XXXX  and told me that they would have someone check the ATM. He mentioned a provisional deposit for the check but I have not seen anything on my account. I thought banks had a fiduciary responsibility for a deposit no matter if it 's a ATM or a teller. They took my money, lost it and do n't seem very interested in resolving the matter.
Product: Credit card

On XX/XX/year> my phone and credit card were stolen. There was an unauthorized charge of XXXX on my credit card I immediately deactivated my card and called ChimeXXXX XXXX XXXX XXXXk XXXX help me retrieve my funds back. Not even 2 days later I received a notice saying my claim was denied with no real explanation. This was very upsetting because these were the funds for my kids school clothes and shoes. I called Chime and asked for my claim to be reopened so I can provide the police report. I sent the police report. I am reaching out because I am diagnosed with XXXX and anxiety this has caused my anxiety to take a toll on me causing XXXX panic attacks. I hate that I can't depend on my bank when situations like this occur. Please help
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a rollover procedure of my XXXX from XXXX XXXX Citi Website ( Citigroup ) to XXXX. When I completed the Rollover instructions, I was then directed to a new website managed by XXXX XXXX XXXX ( XXXX ) to complete nearly identical information requested by Citi with the exception of the address of XXXX which took me a little time to find out from XXXX. Once I successfully completed XXXX inquiries, I was then redirected to Citi Web page at which time a notice that my session with Citi had expired. At that point I truly believed that the entire procedure was completed. There was no indication thru the various inquiries that were completed that a confirmation was required otherwise Citi session should not have expired. 
On the same day, there was another department titled Rollover Central of which I was unfamiliar of its role, so I called XXXX back and XXXX XXXX XXXX informed me that my request was processed. 
On the XX/XX/XXXX, I telephoned Citi Benefits Center to determine progress on my Rollover and I was informed that the request was not processed because it was not confirmed and that my value of my XXXX would be based on the closing day of the XX/XX/XXXX. 
As a result of the delay the XXXX value diminished approximately {$7400.00}. 
There were other telephone calls to XXXX XXXX Citi during XX/XX/XXXXregarding our complaint ; one telephone responders indicated that this was not an isolated incident. One of the managers named XXXX stated to file an appeal with Citi which denied my claim. A final appeal to Citi also denied my case. In essence, CitiGroup told me that I failed to confirm on the XX/XX/XXXX the rollover and would require me to go to court. 
All paper work regarding this case is available by request.
Product: Checking or savings account

From chase there was a {$520.00} charge that was zelled to the wrong person. Same with XXXX and XXXX just different amounts.
Product: Checking or savings account

I, XXXX & my wife XXXX XXXX have a family trust A/C. In response to a Written Offer ( Attachment -1 ) from CapitalOne 360 Money Market A/C, we opened an account with CapitalOne & completed the required money ( $ XXXX or more ) deposit on XX/XX/XXXX. ( Attachment-2 ). 

We have spent several hours talking to this Bank XXXX XXXX ) before & after opening this A/C. Depending on who picks up the phone, we get different & varying answers & it is frustrating in the least. I have complained to them both in phone calls & written notes on their web site but none cares or reads customer complaints. They think they are immune from all U.S laws & they are in some foreign land. We have requested the people including Managers that we need something in WRITING from the Bank that we have met all the requirements of 360 MM A/C & tell us when they will credit this A/C with {$500.00} Bonus. If they don't want to send an e-mail to us at least post that info on our A/C page. They are refusing both. When I wrote to them online, the person who picked up said that we are NOT eligible for {$500.00} since we did not include the Promotion Code ( XXXX ), which info have been provided multiple times to those morons over the phone. The offer expires only on XX/XX/XXXX. 

Today again we called Capital One & after spending lot of time they allowed a Manager to come on line. He confirmed that he can see a NOTE on our A/C that we are eligible for {$500.00} ( this info, the customer service who answers the phone CAN NOT see!!?? ).

We have bitter experience with CapitalOne since they refused to give me {$500.00} after 90 days had passed ( XX/XX/XXXX ) & gave me a consolation bonus of {$50.00} only. This is their dirty game plan. Wait 90 days & then show their crooked, ugly face. This is UNACCEPTABLE. If they don't want to send an e-mail to us at least post that confirmation {$500.00} info on our A/C page. 

We are requesting your office to bring this Bank in line with banking norms. Thank you XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX
Product: Checking or savings account

About XXXX  months ago i believe it was XX/XX/ I deposited a check for the amount of {$2700.00} on the outside atm, the check was under my moms name but we unfortunately both forgot to sign the back which caused my account to be restricted after calling the bank to figure out what had happened they informed me that due to the check not being signed the account had to be restricted while they figured something out, after 10 days of not having access to my account they closed it, I got a check of XXXX mailed which I had on my savings but not the {$2700.00} I physically went in person to see how to get that money back they told me the only way to get it back was having the maker, the person whos name is on the check and owner of account which was me there we physically all went XXXX  times in separate occasions, I went in multi times myself I even went to the main branch where they had me go just to tell me I cant get the check back because my moms number isnt verified we dont understand why if she has an account t with her phone carrier and its under her name but thats aside the point Im now finding out that because her phone cant be verify we cant get OUR money back. This has been a big inconvenience they want to make it seem like we did fraud for forgetting to sign the back but right now chase is doing fraud for trying to keep something that doesnt belong to them. Chase ignores us we have spoken to about XXXX different employees including the executives and until now we are still being ignored and they are still keeping something that doesnt belong to them. I have called multiple times the number I was provided with and every time I ask for the lady Im charge of my case she is never there and always busy I leave messages to have her call me back she has not once called me back but through other employees we are being told she has called in various occasions which is a lie she has not even tried to reach out to me and always has other employees tell me shes away from her desk. When does this lady actually work because it seems like she doesnt.