23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I met a man who claimed to be XXXX XXXX XXXX. He was selling tickets to a XXXX XXXX game and wanted transfer via zelle. I was standing there when he gave me his name and multiple email addresses “XXXX” and “XXXXXXXX” also gave his phone number XXXX XXXX XXXX and said once the transfer was complete he’d forward tickets. He stood next to me we made the transfer and he ran off. I instantly called my bank XXXX XXXX to cancel and they haven’t done anything. Please help prevent this again
Product: Credit reporting or other personal consumer reports

Title 15-COMMERCE AND TRADE XXXX XXXX-CONSUMER CREDIT PROTECTION FTC Identity Theft Affidavit to report XXXX separate fraudulent hard inquiries on my consumer FICO report. These fraudulent accounts are under the name of XXXX XXXX Bank XXXX XXXX XXXX XXXX, and XXXX XXXX  ( Bank ), XXXX XXXX XXXXXXXX, and XXXX XXXX ( Bank ) on XXXX XXXX. 

Consumer demands that the aforementioned fraudulent items be removed from each of my consumer reports pursuant to my rights within FCRA and FDCPA laws It is ILLEGAL to retain or report misleading or unproven info, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally divulged allegation ( s ) here and now.

15 U.S. Code 1681s - Administrative enforcement : Consumer reporting agencies, furnishers, and other entities subject to the FCRA must maintain robust compliance programs to avoid regulatory action.

Violations can result in investigations, penalties, and reputational damage.

15 U.S. Code 1681e - Compliance procedures The FCRA imposes several obligations on Consumer Reporting Agencies, including obligations to : ( 1 ) follow reasonable procedures to assure the maximum possible accuracy of the information in Consumer Reports, 15 U.S.C. 1681e ( b ) 15 U.S. Code 45 - Unfair methods of competition unlawful ; prevention by Commission Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Removal Of All Inquires Listed Below : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. XXXX, Approved XX/XX/year> ( 82 Stat. 146 ) Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency )
Product: Credit card or prepaid card

I received two Citi custom cash cards in the mail. One with my name and one with the person of the XXXX XXXX on it. I did not apply for this card. I contacted citi and they stoped it immediately and reported it as fraud
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts, and I have no knowledge of their origin. In compliance with USC 1681g, I am requesting their removal within 15 days. Attached are the relevant documents for your review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done several complaints regarding a debt t hru Pinnacle Credit Services a nd theservicer of the account  XXXX   XXXX   XXXX . They have the opened date as  XXXX   XXXX  but that is the date they bought the debt. My original creditor  XXXX  charged it off  XXXX   XXXX   XXXX  and my last payment on this account  XXXX   XXXX ,  XXXX  as they have clearly stated in the letter I have attached but they will not change the date in  XXXX  an d two years makes a difference. I thought the date on the credit report was the last date of payment not when the debt collector purchased the debt almost 2 years later. The date needs to be corrected
Product: Mortgage

During the transfer of my home loan to new lender, the Escrow amounts were partially transferred and the new lender asking to pay penalty because of shortage in funds.

So why the customer is responsible for the shortage of funds, which was not done by customer.

And I have already paid the Escrow as part of taxes and insurance, but the statement is misguiding and even Customer Representatives are not FULLY aware of it and simply hung up on me, instead to explain where the Escrow balance funds are gone.

I was so frustrated with calls and not understanding why the customer is responsible for their mistakes.
Product: Credit reporting or other personal consumer reports

There is an incorrect name listed on my credit profile. I would like to have XXXX, XXXX, and Transunion remove it immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding several disputed accounts that continue to appear inaccurately on my credit report. Despite my previous attempts to address these inaccuracies and my repeated requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and causing significant hardship in my daily life. The negative impact on my financial standing has been overwhelming, and I am left with no option but to ask for your urgent assistance in rectifying this situation. 

I kindly request that you conduct a thorough investigation into the reporting of each disputed account and take immediate steps to update and correct my credit report. It is critical that this issue is resolved without further delay so that the accuracy of my credit report can be restored, enabling me to regain control over my financial well-being. 

I sincerely urge you to prioritize this matter and take swift action. Your prompt attention and support in resolving this issue would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had fraud account have sent in police report to company and they still have failed to get this issue resolved. If this matter is resolved I will pursue litigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C 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. 
TransUnion Addresses : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA Inquiries : XXXX XXXX XXXX  XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Addresses : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Employers : XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XX/XX/XXXX Collecons : XXXX  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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$91000.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$86000.00}
Product: Credit card

I have a Kroger 1-2-3 Rewards Visa card, issued on XXXX/XXXX/16 by U.S. Bank. Points are assigned, based on a XXXXcategory, XXXXpoint system : XXXX point per dollar of net purchase outside Kroger XXXX ; XXXX points per dollar of net purchase inside Kroger XXXX ; XXXX points per dollar of net purchase of Kroger brand products. 

On my Visa account, XXXX purchases made inside Kroger Store # XXXX XXXX {$59.00}, posted XXXX/XXXX/16 and {$12.00}, posted XXXX/XXXX/16 ) were designated incorrectly, as though the purchases were made outside a Kroger store, in spite of the fact that the statement shows the purchases were made inside the Kroger store. These place-of-purchase errors resulted in an understatement of reward points. Specifically, the first error, on XXXX/XXXX/16, resulted in an understatement of XXXX points ( Correct : {$59.00} x XXXX points = XXXX points ) ( Wrong : {$59.00} x XXXX point = XXXX points ) [ Net Understatement : XXXX points ]. The second error, on XXXX/XXXX/16, resulted in an understatement of XXXX points ( Correct : {$12.00} x XXXX points = XXXX points ) ( Wrong : {$12.00} x XXXX point = XXXX points ) [ NET Understatement : XXXX points ]. In total, U.S. Bank/Kroger owes me XXXX more points. 

Since my account opened on XXXX/XXXX/16, I visited the website ( XXXX ) every day and therefore know when U.S. Bank/Kroger posted a purchase transaction ( on the Account Activity screen ) and whether the purchase was designated as inside Kroger or outside Kroger, by seeing a change in the accumulated points in each of the XXXX categories ( on the Rewards Center screen ). When I saw the first place-of-purchase error, I ( a ) printed the Account Activity screen and the Reward Center screen, ( b ) began documenting the actions I took to try to have the errors corrected, and ( c ) printed the XXXX screens thereafter when the next transaction posted. Therefore, I have proof of these errors, and XXXX continue to visit the website daily in hopes that the errors I reported have been corrected. To date, I have spoken to XXXX people at U.S. Bank ( on XXXX/XXXX/16 ; XXXX/XXXX/16 ; XXXX/XXXX/16 ; XXXX/XXXX/16 ) and XXXX person at Kroger ( on XXXX/XXXX/16 ). All have passed my issues to someone else, thereby thwarting my efforts to speak directly to someone who has the authority to correct the errors and who can tell me when the errors will be corrected. The errors have not been corrected. Furthermore, I was given conflicting information about who assigns points. I asked XXXX different people at U.S. Bank : " Which company -- U.S. Bank of Kroger -- assigns points to a category? '' I was told, " U.S. Bank '' by XXXX person, but told " Kroger '' by the other person. When I spoke to a representative at Kroger, the answer was " U.S. Bank ''. It seems as though I am getting the run around. To date, the errors have not been corrected and I have not received a phone call, an email, a text, or a letter regarding the errors and when they will be corrected.
Product: Credit card or prepaid card

I tried to purchase a pair of sneakers on line from a company ( billed as XXXX ) for {$85.00} on XX/XX/22. I was notified that the sneakers were out of stock on XX/XX/22 by email. I responded to the email that I would not be interested in another pair of sneakers, and directed the merchant to issue a credit. They responded on XX/XX/22, that they would issue the credit within 7-30 days. Although this seemed long, I waited for the credit and on XX/XX/22, I contacted Barclays Bank. Their customer service has been awful, and this should be easily rectified. After receiving no help on the phone, I filed a dispute of this charge for {$85.00} on their website. I have followed up with multiple calls, and I keep getting various answers. I do not want to pay the {$85.00}, but although they have gone back and forth with me multiple times, telling me that I would have to pay, and other representatives telling me that I would not have to pay. Over the course of 30 plus years of dealing with different credit card companies, once a dispute is files, the charge should come off once the dispute is file, and until it is resolved. I have been told that someone would be reaching out to help resolve this dispute, and no one has reached out, and I am concerned that no one will investigate the integrity of the dispute. 
I also said that i want to cancel this card as the customer service has been awful, and even offered to pay the {$85.00}, and receive a check once the dispute has been resolved, but to no avail. Also, the rep said that I could not speak to a supervisor, as they were busy.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Request for Legal Assistance To Whom It May Concern, I have been engaged in a prolonged struggle against these creditors for over many years. Throughout this time, I have identified and documented numerous illegal practices associated with criminal organizations operating within this sector. I will be providing detailed notices of these unlawful activities in the coming weeks. 

I have consistently requested the issuance of a corrected XXXX to address the inaccuracies present in my records. It is imperative to recognize that no dispute should ever be categorized as a duplicate. Each dispute is unique and warrants its own distinct resolution. The notion of duplicate disputes undermines the integrity of the complaint process and prevents the possibility of a fair resolution. 

Furthermore, I am deeply concerned about the apparent complicity of the Consumer Financial Protection Bureau ( CFPB ) in these matters. The lack of adequate support from the CFPB in addressing these issues is unacceptable. I am prepared to pursue legal action against the CFPB for their inaction and failure to assist consumers like myself. 

I hereby formally request legal aid and assistance, as I have substantial evidence of wrongdoing. The activities I have documented may constitute violations under the Fair Credit Reporting Act ( FCRA ), specifically regarding improper handling of disputes and potential racketeering under the XXXX XXXX 

I am exhausted by the continuous evasion tactics employed by these corporations, which not only ignore my requests but also engage in fraudulent tax practices without consequence. It is imperative that the CFPB reevaluates their processes to eliminate the option for categorizing disputes as duplicates, which only serves to enable further evasion. 

Thank you for your attention to this pressing matter. I look forward to your prompt response. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX, XXXX 15 US code 1681c-2 a consumer reporting agenvy 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, no later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items immediately!

These accounts should not be furnished on my consumer report as they are in violation! Under 15 US code 1681b- permissible purposes of consumer reports a. in general subject to subsection c. any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2. In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer I am demanding the deletion of the accounts listed immediately. 

Thanks, XXXX XXXX
Product: Debt collection

I have not entered into any contract with Midland Funding LLC. I DO NOT OWE THIS ALLEDGE DEBT!!!!!! An unlawful judgment was entered against me in XXXXXXXX XXXX XXXX I filed a XXXX  with a motion to dismiss that the Judge presiding over my case completely ignored and the XXXX XXXX took XXXX extra weeks to enforce a signed order to stay. A XXXXXXXX XXXX XXXX judge forced me into a stipulation with the plaintiff Midland Funding LLC. Midland Funding LLC has been unjustly enriched. Midland Funding LLC has been sued by XXXX ATTORNEY GENERALS OFFICES for this very practice. In addition XXXX XXXX XXXX XXXX XXXX MIDLAND FUNIDING LLC AKA MIDLAND CREDIT MANAGEMENT INC. The XXXX case further proves midland funding llc despicable unfair and unjust business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$950.00}
Product: Credit card or prepaid card

HSBC premier Credit Card. 

I receive monthly statement hard copy almost always less than two weeks before DUE DATE. I have to online check payment every month before receiving the hard copy of the statement and send a check to HSBC. 

However, starting XX/XX/2021, HSBC website does not allow to review monthly statement, including current payment and previous monthly statements if a customer chooses receiving hard copy of monthly statement. 

Only person who chooses E-Statement-Only can online review monthly statements. 

HSBC is trying to force costumers to choose E-Statement-only by providing better and convenient services to them. It is a discrimination against people who would not choose E-services only. 

XXXX XXXX, MD XXXX XXXX
Product: Checking or savings account

Feed back to existing complaint ID ; XXXX ( XXXX XXXX Account # ... ... XXXX 
The Fargo Bank notified your department that all the issue with my complain is : Problem caused by my founds being low. 


I opened this platinum savings in XXXX of XXXX with XXXX $ on it. Frankly the Fargo Bank manager said, if I bring another XXXX $ they will give me this return rate of XX/XX/XXXX %.. 

So I brought it ( XXXX $ ) from another institution and then in XXXX of XXXX I had all together invested in Fargo Bank bit over XXXX XXXX And I kept that amount until XXXX of XXXX. Despite calling the Fargo Bank and going in person to them monthly, acquiring about why I am not receiving my XX/XX/XXXX % profit As we signed it. Each time Fargo Bank gave me different excuse. Just to get rid of me and to misguide me with theirs lies. 
After waiting about six months the Fargo bank kept promising that all will be fixed soon and I will get my profit of XX/XX/XXXX % .Until XXXX of XXXX I have received nothing from Fargo bank no profit XXXX. Then in XXXX of XXXX I withdrew the XXXX $ from Fargo bank since I was loosing my money from my previous bank and in Fargo Bank. So Again the money of XXXX $ was in Fargo in the Platinum saving from XX/XX/XXXX to XX/XX/XXXX. The Fargo Bank keep lying your Department and myself that the issue is : Low funds. I want Fargo Bank pay me back my profit from XXXX to XXXX of XXXX, XX/XX/XXXX % out of XXXX $ as We both signed for it. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX & XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX