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

Received letter XX/XX/2021 stating my account was to be debited {$500.00} for two checks my wife cashed on XX/XX/2021. Letter states these 2 checks were cashed twice at two different branches by my wife XXXX XXXX, who is on the account. These are her payroll checks received weekly @ {$250.00}. I have gone to 3 different in-person appointments at 3 different branches. I had also opened a case with U.S. Bank corporate to investigate how this could have happened. My wife could not have cashed these checks, then have the clerk hand them back to her. If by chance it did happen, she would have immediately asked why they were handed back to her. I have worked with XXXX at my local branch in XXXX, Ca. She worked on it for appx 3 weeks. Then told to work with the XXXX, Ca branch manager XXXX XXXX. Who then told us to work with XXXX at the XXXX XXXX, Ca branch. No one can explain where or why the {$500.00} has gone. Local branch personnel say its a common error and keep fighting. ( of the record of course ) I have all correspondence copied as well as phone records
Product: Debt collection

I CANT STAND WHEN COMPANIES HAVE THE WRONG PERSON, AND THIS ONE DOES YET THEY KEEP CALLING AND SENDING ME JUNK. THEY KEEP SAYING THAT THEY WILL OUT IT ON MY CREDIT REPORT IF I DONT TAKE CARE OF IT. WHY SHOULD I IF IT ISNT MINE?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following o XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXX  Balance : {$100.00} o XXXXXXXX XXXX XXXX Balance : {$4500.00}
Product: Prepaid card

I have tried to use the prepaid gift card many times. The website says there is no such card and when you call the ( XXXX ) number it doesn't allow you to speak to anyone and makes you go to the website to find information. The website no longer available
Product: Mortgage

I filed a loan application of home purchase to PNC Bank on XX/XX/XXXX, borrowing {$230000.00} ( 80 % of the home purchase ). 
The employee of PNC XXXX XXXX was handling the case. She was impatient answering my questions about the loan application and pushed me to the following steps, where I was stepping in troubles. 
She gave me the quote of the loan rate and credit based on the loan amount {$230000.00} on the phone and said would send the information we talked on the phone in an email. But she changed the loan amount from {$230000.00} to {$220000.00} ( 75 % of the home purchase ), which is hardly to find out because everything else like the rate, credit are the same as we talked on the phone. 
Things were getting worse when I tried to sign the loan contract, I found everything related to money is changed : down pay, rate, credit ( changed from {$6600.00} to {$6000.00} ). 
when I tried to reach out to her and understand what's going on, she refused to answer about this asking me contact her assistant XXXX XXXX, who hadn't involved in the quote and just simply told me to either accept everything in the contract or change loan amount from 80 % to 75 % of the whole purchase amount with different credit than the quote. 
I withdrew the loan application from PNC and ask them to keep my private information confidential. And I told XXXX XXXX I would complain to CFPB. 
She texted me blackmailing me in XXXX, still not answering why money related information in the contract is different from the quote.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXXXXXX # XXXX - Date opened XX/XX/XXXX - Balance {$1500.00} XXXX XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$7000.00} XXXX, XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$1400.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

So I went into my bank account to check my transactions my card was used by someone in the XXXX XXXX to order XXXX Now thats somewhere I dont eat my card stays home at all times XXXX XXXX XXXX every where I go Being my card was charged the payment was reversed back to me But this caused my to not trust the banks because why is my account being used when I never went to XXXX XXXX privacy is being invaded this caused me some XXXX  and made me uncomfortable
Product: Money transfer, virtual currency, or money service

Instructions on how to file for the lawsuit against Cash app for breach of information in the year XXXX. It says that the last day to file for the lawsuit is on XXXX
Product: Credit reporting or other personal consumer reports

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX 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

Fedloan Account # : XXXX Wondering why you are reporting that I am 120 days late? Please also provide through this system the date of 1st delinquency, or the day/month/year I was 30 days late and never again came current? 

Why are you still reporting this account? Personally, this account seems to have aged out and can no longer legally be reported!! 

Furthermore, You have not supplied TransUnion with a date of last payment, you have left it blank, therefore another FCRA infraction.
Product: Credit reporting or other personal consumer reports

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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : 1 XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Collection Account Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account name : XXXX  Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  XX/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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had 2 capital one accounts in my name fraudulently. The account was opened XX/XX/XXXX. It was charged off XX/XX/XXXX. Disputed and won. Should have been removed from credit and public record XX/XX/XXXX. It was showing on my record til sometime this week or late last w week. XXXX and XXXX wouldn't allow me to have paperwork to say this was removed and I have document from capital one that says this was fraud and should be completely removed from my credit and public record. Capital one still hasn't sent any info stating that and XXXX and XXXX won't give me the letter stating they sent this to the court for discharge. I dealt with XXXX XXXX From Capital One 's  fraud team and they haven't sent current information that I requested. I hold both Capital One and  XXXX and XXXX fully responsible for all of this.
Product: Money transfer, virtual currency, or money service

I wired {$20000.00} from my XXXX account to below detailed recipient but their account has not been withdrawn. The request for the refund has been rejected by their bank. I need legal help. Wire transfer information Date : XX/XX/2023 Account Name : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, NY XXXX Recipient Account information Account Name : XXXX XXXX XXXX XXXX Account Number # XXXX XXXX Bank XXXX Bank of America XXXX Address : XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX I reported to XXXX XXXX where I sent the money from but they said Bank of America has nothing left. They claim the money was withdrawn by the recipient. My recipient was never able to access and withdraw it so Bank of America is lying and stole my money. Either provide the proof that recipient did withdraw or return my money. Otherwise I will report to FBI
Product: Payday loan

Received letter for easy loan, thru Big Picture Loans ... did online app and received phone call to verify shortly after. On call they advised me I would pay interest of XXXX on the XXXX dollar loan I was approved for, in which first payment would be on XX/XX/XXXX of XXXX. Now I am told the XXXX payment will be automatically withdrawn every 2 weeks for 58 payments totally almost XXXX!! I was never told of an interest rate being 780 % or I would have NEVER agreed! When I called to discuss the service rep was very rude. I do n't dispute the validity of the loan or the XXXX interest I was told, but no way will I pay 780 % interest on XXXX.
Product: Credit reporting or other personal consumer reports

To whom this may concern ; This is not a third party filing this report. I am a Natural person and I am being taken advantage of by XXXX, XXXX and Experian. These XXXX companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Product: Credit card

I called Curacao store to report, it is not my account so they stop reporting under my name to credit bureaus, that I have a police report and affidavit of identity and they did not help me. they only said to contact credit bureaus. 

Curacao furniture store, has a customer with name and birthday just as mine, but different social number. 
so they need to stop reporting under my name. 
I have made police report and affidavit of identity but they did not help me they just told me to contact credit bureaus. 

The other financial companies reporting under my name stopped reporting under my name as soon as I emailed them police report and affidavit of identity Curacao account info : XXXX XXXX account start with XXXX and I have disputed this with XXXX multiple times and that's what I explained to curacao representative, it has to start with you ( Curacao ) thank you and thanks a lot! 
XXXX.
Product: Money transfer, virtual currency, or money service

I own a Coinbase account. I send my salary to my account and suddenly, coinbase restricted my account, I'm not able to withdraw my money. This was without previous notice, without infringing any law, and without a cause nore explanation. They just decided I can't take my own money out of the site as I was doing in the previous months. I tried to solve it with their help desk but it's just a robot that repeats the same useless information. The mailing options is the same, just an automatic helpless response Withholding my money in this way is not only arbitrary but illegal and completely out of character. I demand a solution to this unjustified restriction under penalty of taking legal action in this regard They are violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX are reporting a bankruptcy on my credit reports and have put the data furnisher as the, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, which is not true. I have included a letter, from the XXXX XXXX XXXX XXXX XXXXXXXX, that states that they DO NOT furnish such information to the credit bureaus or ANY credit reporting and monitoring agencies. Nor do they validate or verify any information concerning bankruptcies. 
TransUnion, XXXX and XXXX are falsely reporting this information on my credit reports and have yet to remove it from my reports.
Product: Debt collection

Go Financial financed a XXXX XXXX for me in XXXX. In XXXX I fell behind on payments and when I tried to call and pay they told me the vehicle had already been charged off. I did not pay on the car for two years and then one day they came and got it and sold the vehicle. Go Financial then went on my credit report and changed the status from charged off to " In repossession ''. I want this removed off of my credit report due to erronous reporting and them already collecting money for the car in their charge off insurance and selling the car again.
Product: Credit reporting or other personal consumer reports

I incurred this debt over time, prior to the pandemic that began in XXXX. I do not remember when I opened the account, nor do I remember my account number. 

In XX/XX/XXXX, I was summoned to XXXX XXXX XXXX XXXX XXXX MA, in a small claims action filed by XXXX XXXX, the holders of XXXX Credit Card accounts. The attorneys they retained were : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appeared in court at the required time and place on XX/XX/XXXX. The case was continued to XX/XX/XXXX, however, a notice of dismissal was filed by XXXX XXXX XXXX attorneys on XX/XX/XXXX, and the case was disposed by agreement -- settled -- on XX/XX/XXXX. 

Therefore, there is currently no debt owed to them ; this is a matter of public record, docket number XXXX at XXXX XXXX XXXX ( XXXX ). 

this has been appearing on my credit report for nearly XXXX years now as a current debt, and it needs to be removed. It has affected my credit for far too long. I haven't gotten anywhere by filing disputes with the credit bureaus, and my attempt to contact XXXX directly resulted them asking for this information, but nothing being done about it. I have had no further contact from them. 

The attachment is a printout of the record found online, and includes all the information I described.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite XXXX written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I'm disputing the following accounts due to my identity being compromised years ago and it's still haunting to me when I see my credit report. My credit report is filled with unauthorized and unknown accounts. The following accounts I'm demanding to be removed from my credit report, ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) XXXX XXXX XXXX {$130.00}, {$370.00}, ( 5 ) XXXX XXXX XXXX {$1000.00}, ( 6 ) XXXX XXXX XXXX {$51.00}, {$240.00}, {$120.00}, please remove these accounts immediately.
Product: Credit reporting or other personal consumer reports

XXXX credit freeze placed. Multiple unauthorized uses of credit reports used
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have XXXX unauthorized charges on my debit card from fanatics sportsbook XXXX XXXX XXXX. And I called my bank Citibank to report the charges and they said from there investigation that I was responsible for the charges even though I didnt authorize them or approve them or anything. Citibank didnt even give me a text message or email to confirm the charges before they were allowed to be made. 

- {$170.00} - {$330.00} - {$500.00} dollars- {$1500.00} dollars Those were the amounts of the charges they were made on XX/XX/year> I made the dispute on XX/XX/year>
Product: Debt collection

Received phone calls for a debt for a lease in XXXX, XXXX. A place I've never visited or lived in. 

Asked for proof of debt. And received a leasing agreement with an electronic signature with my name for XXXX XXXX XXXX XXXX  dated XX/XX/year>. 

This is not me.
Product: Bank account or service

a charge was coming through off my debit card every month. I called in XX/XX/XXXX and set up a dispute. the chase representative coded it wrong, and " once they dispute a charge, they ca n't dispute it again '', even if Chase made the error. 
they credited my checking account the money, sent me a letter stating they would be taking it back, never gave me a date. took the XXXX back, caused me insufficient funds, told me I would n't be charged an insufficient fund fee, I was charged a fee. 
they told me when they disputed more claims, against the same merchant, that Chase only has a XXXX day liability. When I told them that in XX/XX/XXXX when I first filed a dispute, that was within the XXXX days. they agreed, but since the agent at chase coded it wrong there is nothing they can do. 
Was told on XX/XX/2016 by the XXXX at Chase claims to contact the consumer financial bureau to file a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

i checked my report and i seen an unauthorized credit check inquiry that i have not given consent to. I am demanding the inquiry be removed from my credit report within 4 days as they are fraudulent. Im trying to establish relationships with banks but continue to get declined because of these items on my report. I have attatched the items to my letter and notified the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes. Because Equifax has the outdated XXXX XXXX, I can't open the dispute letter results because the updated XXXX XXXX sees their pdf as corrupted. My daughter 's credit inquiry for a new car she purchased remains on my credit reports as an inquiry. They have not investigated or asked the banks whose name was on the inquiry. They will not even look at the information submitted. They will not do anything to get this matter corrected. My daughters information is now on my credit report. I can not provide information that I do not have for a car that I did not apply for as proof. How am I supposed to provide something that does not exist. All they had to do was look to see that the name did not match the social security number. The car company has acknowledged their mistake and is having the same problems working to get this corrected.
Product: Debt collection

I do not understand how they verified this account as being accurate when they have the wrong social security number noting in writing that I have sign with my social security number on it i talk to the original debtor because they inform me they had noting with my ssn on I they never report it on my credit report but also inform me if I paid the debt they would see that it is remove from the collection agency because I was in the process of buying a home and the debt was so low I agreed to pay for it and now I was unable to purchase the home because the collection agency would not remove this item from my credit report and they do not have my correct ssn number their paper work from the debtor they are still verifying as being accurate would like to get some help to have this remove from my credit report thank you
Product: Credit reporting or other personal consumer reports

I submitted several disputes to Experian about removal of items, which they failed to do. 
XXXX original request XX/XX/2024 ; I am writing to dispute the accuracy of information that is on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2014 i was a victim of identity theft and this was reported to the credit reporting agencies as well as other creditors. However, this account XXXX XXXX was removed from my report but somehow reinserted a year later without warning nor proof of their Method of Verification when it comes to this particular account. I'm demanding that the credit reporting agencies block and remove this account ( 1 ) XXXX XXXX, or provide me with signed documentation of my persons or a contract consenting to the above matter. If this request can not be met then you the credit bureaus should delete account immediately.
Product: Debt collection

The debt accrued from Acima is inaccurate and I want to dispute the {$2700.00}. It is causing hardships in my life to where I am unable to move forward in business.