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

I opened an account at Citi, i think its a brokerage account but i opened it at the branch. this account was opened in XX/XX/XXXX or around about that time. I have been trying to close the account since XX/XX/XXXX. I have gone back to the branch they have said they cant help me. I have gone to another branch they have said they cant help me. i think its their wealth management people that need to do this. but they will not tell me who to contact or where to go to get it. 
I have tried calling the number on the statement, i have tried calling the secondary broker they used that sent me a letter saying the account is considered abandoned. all the numbers they give me have gone back to the same auto attendant that has no human option and no option to help me. 
I called their other back up broker XXXX  multiple times and they finally gave me a number for Citi that went to a voicemail for which i have left at least 5 messages for.

I know this sounds rediculous and i sound crazy, but i have written FINRA as well, and no one seems to respond to me. 
My account number is XXXX and the value of the account is about {$5000.00} or {$5500.00}. I am not sure where to turn to, as no one will help me. I think spending ten years to try to get my money or stocks back from a bank like Citi is  excessive and the amount is not even that much. I have statements and letters but i dont have anything recent as they have stopped sending statements and i have changed my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : # XXXX, has violated my rights. 
Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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

I am submitting a complaint regarding inaccurate late payment reporting by XXXX XX/XX/XXXX Federal law requires creditors to notify consumers of late payments at least 21 days before the billing due date. My payment, due on XX/XX/scrub> 2020, was reported as late without proper notice. I have contacted the creditor and disputed with the credit reporting agencies, but the issue remains unresolved.
Product: Credit reporting or other personal consumer reports

I wrote formal letters to dispute the accuracy of the information being reported regarding XXXX XXXX XXXX account XXXX partial account number # XXXX. As of XX/XX/XXXX, this account is being inaccurately reported, despite my recent discharge from XXXX XXXX XXXX 

On XX/XX/XXXX, I filed for XXXX XXXX XXXX, case number XXXX, in federal court. The bankruptcy trustee notified all creditors, including XXXX XXXX , about the discharge of my debts. This notification was sent via email to all creditors, informing them of the discharge. 

I officially received the discharge on XX/XX/XXXX. Despite this, the information reported by XXXX XXXX continues to reflect inaccurate details. This incorrect reporting has been verified and marked as accurate by all three major credit reporting XXXX, TransUnion, and XXXX. The continued reporting of this account as active and outstanding, despite the discharge, constitutes a violation of the Fair Credit Reporting Act ( FCRA ). The statutory violations related to this inaccurate reporting over the past 12 months could amount to {$36000.00} in statutory damages. Furthermore, this disregard is causing significant emotional stress and severely hindering my ability to obtain credit and support my family. 

Credit Reporting Agencies that I sent disputes letters to XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX TransUnion TransUnion LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already disputed this inaccurate information with each of the credit reporting agencies, but XXXX XXXX XXXX reporting has continued to be verified as accurate, which is incorrect. The account should reflect that it has been discharged as part of the bankruptcy proceeding, and the erroneous reporting must be corrected immediately. 

I have kindly request that XXXX XXXX review remove this account and pay the statutory damages of {$36000.00} FOR ALL 3 CREDIT REPORTING AGENCY. The account information to accurately reflect the discharge status. Please provide written confirmation of the correction to both myself and the credit reporting agencies as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to your cooperation in resolving this issue.
Product: Money transfer, virtual currency, or money service

I called cash app and gave my personal information over the phone to the person that answered the phone number cash app supplied and now I find out they are being sued because the person I talked to apparently didn't work for cash app because they Admitted to never having a support line and giving out another places number so they could steal our information!
Product: Debt collection

I have a debt against me under XXXX XXXX. I have no clue why or what for, as I have not had an account with them in over a year. I have not been contacted in regards to this. I believe my account was not closed and I have been charged for utilities under my name.
Product: Credit reporting or other personal consumer reports

Failed to remove collection account that never belonged to myself. Account was opened without my permission and or does not belong to me. Credit burea failed to provide method of verification of information of proof account belongs to myself. Please remove account and updated my credit report asap. 

XXXX XXXX XXXX Original creditor : XXXX Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any inaccurate address and inquiries that was 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX XXXX XXXX GA XX/XX/XXXX XXXX XXXX GA XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all inaccuracies on my credit report with Experian.
Product: Debt collection

On XX/XX/2023, AWA Collections continued to report a medical debt of {$100.00} and adding interest of {$120.00} on my XXXX credit report from XXXX XXXX XXXX and I live in California. This was immediately disputed, as it violates the new law prohibiting medical debt under {$500.00} to be reported to a credit bureau and it was paid by health insurance. AWA Collections advised me they were going to leave it on my XXXX credit report until I paid it because it damages my credit. AWA Collections should not be reporting any medical debt whatsoever under {$500.00}. They are violating the provisions congress put in place to protect consumers under the Medical Debt Relief Act of 2023. I disputed this with them and XXXX electronically and verbally twice. They said they would continue reporting it to damage my credit until they were told to removed it. AWA collections should immediately stop reporting medical debt under {$500.00} and delete this medical debt paid by my insurance from my XXXX consumer credit file. This is unacceptable and they should be removing this type of information immediately when it is brought to their attention to protect consumers,
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

I am unlawfully being billed/ sent to collections for a debt I did not authorize from XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX. My social security was never used in said agreement sent to me and the original email sent had the incorrect address addressed to my name. I have reported identity theft with XXXX XXXX Police department in XXXX as the result of a car theft which is also on record. Ive also reported identity theft with my bank with FTC ( XXXX ) in XXXX which could also be a reason why my information is being illegally used.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has asked that I pay a debt I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, they keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM.

All of these companies need to UPDATE MAILING ADDRESS TO XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX DONT SEND ANY MAIL TO XXXX XXXX XXXX XXXX XXXX CA XXXX  this address is not a good address remove this address from all accounts and update with new address.

XXXX XXXX {$3300.00} XXXX XXXX   {$670.00} XXXX {$53.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow up complaint as an assurance that the XXXX, XXXX and TRANSUNION Credit Bureaus will take their responsibility seriously and will NOT be inattentive in my request for inquiry removal in my credit reports. Once more according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Again, here is the list of inquiries which do not belong to me or were opened without my authorization : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/year> These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Checking or savings account

2 weeks after I was laid off from a disgruntled employer on XX/XX/20, she called Bank of America & made a false fraud claim stating all reimbursement, tip & side job checks were stolen which then froze my account on XX/XX/20. 
After multiple calls lasting 2+ hours I finally got someone on the phone that informed me the situation & gave me a claim # & fax # to send my supporting documents which I did, however without any due diligence the claim was closed in the others favor when I called to inquire again on the phone for 2+ hours was told by even the fraud department supervisor that something was off because it was closed without anybody even going through the 150+ page fax so I was told I should open a new claim which I did, then once again I had faxed in supporting documents this time 175+ pages once again claim closed without anybody going through & even looking at fax sent for the second time so I contact the FDIC which forwarded my claim to this branch. 
I was informed my accounts were closed XX/XX/20 by not only tellers & bankers at the branch but over the phone as well. 
On XX/XX/20 a previous claim closed in my favor totaling {$410.00} & change was deposited into my " closed '' accounts along with my tax return of {$2700.00} that the bank excepted after my account was supposedly closed When I went in the branch to inquire nobody could give me an answer except they have 11 days after account close to accept deposits but the time frame was past Once the bank was contacted in regards to my claim a lady by the name of XXXX XXXX to confirm I made the claim & she instructed me to file yet another claim which i did on XX/XX/20 & spoke with a lady that was just as baffled as I was & notated my file a bunch then once again got the run around then when I called in last week XX/XX/20 I was fortunate to get the same lady I had spoke with in the beginning of the month whom informed me my account was closed without anybody even looking at any fax or notations pertaining to the claim that was fraudulently made out of retaliation. 
In the fine print from bank of America it states anybody that has any problems or questions regarding your account/ bank statements you have 30 days & in some cases 60 days yet bank of America went back 4 months Regardless the fact they initiated a claim past the  allotted stated time frame nobody did any kind of due diligence and compared other employees checks with the ones in question even to payroll but never happened. 
So in the last 4 months my accounts were wrongly frozen over {$10000.00} taken out & awarded to the disgruntled employer nobody actually doing their job & investigating Then my account was i guess oxidant closed as of XX/XX/20 & was told no matter how many claims I open they weren't going to reopen/ relinquish about it because they already made a decision ( without even looking at evidence in the first place ) I want my money back that the bank stole from me
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Department I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$16000.00} from XXXX XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. Given XXXX conclusion and deletion of the account, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) ( 611 and 623 ), which mandates that all information on my credit reports be accurate and verifiable. Since this account has been deemed unverifiable and deleted by XXXX, I trust that you would do the same. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that Credit reporting agencys does the same and remove this unverifiable account from my credit report. 


I trust this matter will be resolved promptly. Thank you for your cooperation, and I look forward to your response within the next 30 days.
Product: Debt collection

I was getting proofed number calls ( local TN numbers ) where i was being asked personal information and was not told where they were calling from and all they would provide is a first name so i would hang up because i thought it was fraudulent / fake. 
I received a letter in the mail from a debt collector to call them since i was under the impression all my debt was resolved. The person told me they were the ones that were spoof calling and not letting me know who they were. I said i didn't recall this debt and how i didn't recognize it and asked they send me paperwork validating the debt. Which they had not and i was unaware of what this was. He then decided to start getting aggressive and say how i was playing games to not pay and kept on being abusive and aggressive. I was so upset i asked to speak to the supervisor and actually was so upset i used improper language. They can not use deceptive practices to talk to you, not validate the debt and they SHOULD NOT harass or insult people. I asked they stop calling me and stop all harassment and deceitful practices. If they think insulting people will male them pay they are wrong. Don't we have rights to know what the debt is they are trying to collect? Shouldn't they have to validate the debt instead of harass us and make us admit to a debt we know nothing about? They kept trying to force me to admit to a debt i had no idea existed. 
We need fair and respectful treatment from these debt collectors. Consumers need better options than what is out there. they fail to abide by the rules and they continue to call and harass and use abusive practices. 
XX/XX/2020 I called them around XXXX XXXX ET. The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX
Product: Checking or savings account

My cell phone was hacked on XXXX. The hacker got into my bank account and an unauthorized wire transfer was made for {$48000.00} on XXXX. The funds were sent to a private individual at XXXX XXXX XXXX XXXX. 
On XXXX at XXXX, I called the Chase Fraud Dept XXXX regarding the fraudulent wire transfer that happened around XXXX on XXXX While speaking to the fraud dept. another fraudulent wire transfer of {$50000.00} was about to be debited to my account, so I stopped it and decline the fraudulent transaction. 
I immediately told the fraud dept. to freeze my online account. 
The fraud dept. should have flagged my account especially when 2 fraudulent wire transfers were made within a few minutes of each other on the same day of XXXX. 
The first fraudulent wire transfer had already gone out of my account and was released.. 
So I requested a hold on the funds to the XXXX XXXX XXXX XXXX, asking that they do not release the unauthorized funds to the hacker. 
On XXXX XXXX XXXX released the funds to the hacker on the assumption that he had plenty of funds to cover the amount taken from me, but once he received the funds in his account, he zeroed out the account and took all of his money out. 
Chase bank did not send a security notification to us regarding suspicious activity on XXXX, when a wire transfer was being done. 
If Chase bank had looked at our history of wire transfers, they would see that we only make wire transfers to companies, never to an individual person or credit union. 
.
Product: Checking or savings account

On Thursday, XX/XX/2023 my card was used for XXXX fraudulent transactions within XXXX minutes at a XXXX in XXXX XXXX. I reside in XXXX XXXX where I was at the time the transactions were made with my card in my possession. The charges equaled {$750.00}. I immediately filed a dispute on all charges with my banking institution where they say they investigated the issue and no error was found and my dispute was denied. Chime has since refused to return the money taken from my account after multiple phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX XX/XX/XXXX {$65000.00}. Inquiries : XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I called the company Caine and Weiner to resolve my account number is XXXX, i spoke to XXXX XXXX, she stated the company would have to take a payment first then send me a letter that states i paid, she also declined my request for proof in writing that i asked for a pay-for-delete, but she stated that the company doesnt provide anything in writing to prior to payment, she cdirected me to the comapnies cite, and told me to file out the conact form for management to call. I wnated to pay tyhe debt in full and she declined.