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

We have had numerous problems with US BANK. For instance, I was at the bank on XXXX XXXX one day and I left. Later that day I went to look for my debit card and could not find it. I knew the last place I was at with it was the bank so I called the bank. They said they would look for it. 
All of a sudden 4 days later I got a new card in the mail and I called and I was told that a bank employee called and had my card re issued, and so we called the bank and they said yes a teller found this on the floor on her side and called it in and had it cancelled instead of calling me and telling me. 
We also have had checks LOST after we deposited them and my mom even had to take in PROOF that she deposited this after the fact ( the black and white back that you get on the statement online ) to show that YES she did have a check deposited for them to put the money in the account. : XXXX XXXX and XXXX XXXX XXXX Then I put a check in for deposit and the next thing I knew it was listed as a " Credit misc '' when I called I was told the teller did not put the check in for deposit but it was there so they put it in later as a misc credit. I said ok so where is the check and they said we dont know but its ok the money is there.XXXX XXXX XXXX XXXX They acted like it was no big deal that it happens ALL the time. 
One day my mom took a XXXX dollar check into a bank on XXXX XXXX In XXXX XXXX and it took the bank 3 weeks to FIND the check and deposit it to the account And for some reason when you report a company for taking money out of your account without your permission they for some reason refuse to do it as fraud IF you have made a purchase with the company before. I had money taken from the account and when I called the lady said " have you ever purchased from them before or was this new and I said no I have purchased from them before but I did not make any new purchases '' and she said well then we can not put it under fraud. I said why not it is fraud and she said well no because you shopped with them before. 
Thats NOT even the point, the point is, I did not make a purchase therefore they took money fraudulently from the account. 
THEN there was a person who somehow got ahold of my debit card number and made a purchase at a store online that I never even heard of and when I called they made ME jump through HOOPS to prove I never heard of the store and I said well if you do NOT see any other purchases then yeah that means I never shopped there before and I even called the store and told them they took money from the wrong person. USBANK for some reason gave them back the XXXX dollars they gave me as a provisional credit and said " company refunded the money so we gave them back their money '' and I kept telling USBank..NO they did not refund any money and USBANK refused to give the money back to me.

USBANK seems to feel they can do whatever they want with peoples money. OUR statement can say we have ONE amount and their online statement says we have LESS and they just say " we will walk you through all the purchases so you can see that OUR numbers are right ''. Its an insult.
Product: Credit reporting or other personal consumer reports

On initiating a dispute in reference to XXXX corporations for an account that should have been removed from my credit report, or marked as closed and satisfied. Transunion, despite the dispute being approved and the investigation forms, they lowered my score by XXXX points. When I contacted Transunion to question why this happened, all the responses I received did not make any sense nor did I receive any resolution. Transunion did not give me the opportunity to submit any documents in order to support my dispute to prove this account should not be on my credit report. This has been listed on my report since 2020, I need this account removed immediately this was an unlawful repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXXXXXX XXXX XXXX has violated my rights. 

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.
Product: Debt collection

I received letter from a collection company, XXXX, saying that I owed {$5800.00} to Velocity Investments. I have never had dealings with this company nor do I owe any debt to them or anyone that I am even late on.

The letter says they will " settle '' for {$1400.00}.

I do not owe this company.

I want them to stop sending me letters and to stop phoning me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX opened in XX/XX/2010 for XXXX as a charge off should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus claim they verified this inaccurate bankruptcy thru 3 party vendor XXXX..which I contacted them for verification of this bankruptcy in which they couldnt verify the accuracy of this bankruptcy and its no longer in there system. They are in violation of the federal reporting laws, they reporting this outdated inaccurate bankruptcy on my credit report and again im requesting there method of verification of this bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had an account with US Bank, I have never had this credit card. 
Contact with the bank shows the borrowing person used an address that I do not live at. 

I have not lived at the address on the account. 

I do not have this account US BANK XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX I XXXX {$13000.00} {$410.00} {$18000.00} XXXX PAYS 61-90 DAYS {$5100.00}
Product: Checking or savings account

In XXXX XXXX, I asked XXXX XXXX XXXX of XXXX XXXX, preside on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas to represent me in a divorce case against my now ex-husband. I signed a contract with her, with her promise to do accordingly. But by XXXX, when the final decree was submitted into the court from my ex-husband, XXXX XXXX had not noticed nor notified me because she had failed to keep track of my case at all. Every time I texted or called, it took at least 3 days or a week before I got her answer, and that was because she was my client at the XXXX I worked at, so when I saw her at her appointment time, and cornered her, i got your case is fine. This had been the face of our working relationship on this whole case the whole time. In XXXX XXXX, the case was finalized without her knowledge and mine. When i pressed her, asking that i wanted my case to be done by XXXX, she said my ex-husband had never responded to her. Turned out, she had never sent anything to him per court log. I pressed and she sent in a jacked up decree which she plastered my name on the front page, and someone elses information in the back, and called it work. So she did not send me a copy like she promised, and at this point, the case was already done! In XXXX, i had another attorney looked into it and discovered this whole scam. I texted and called which she did not answer. I even asked her daughter to tell her to contact me, at which, she did not even answer. I asked Chase bank to get my money back, which I paid with check and debit cards. They said they could not because on the contract said all fees are non-refundable. So i ask you, even when i signed a contract, but if the person refused to do the work, I would still have to pay her? Chase did not have their customers interest at their heart, and did not even try, especially when I have all the proofs that she did not deserve the money. It is my hard-earned money, and my wrongly placed trust. In a million year, I would never thought a person I knew for almost 10 years would do such a thing to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, Experian has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

ACCOUNTS FST PREMIE XXXX paid in full XXXX  XXXX never late INQUIRIES XXXX  XXXX XXXX  XX/XX/2017 unauthorized XXXX   XXXX  XX/XX/2017 unauthorized COLLECTIONS XXXX XXXX XXXX {$1200.00} not mine XXXX {$4600.00} not mine XXXX {$4000.00} not mine XXXX  XXXX XXXX XXXX XXXX  XXXX {$830.00} not mine XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.
Product: Debt collection

XXXX from Direct Capital called me ( an unrelated party to the obligation ) in an attempt to locate their debtor. When I told him I was not the person they were looking for, he proceeded to tell me that they were attempting to collect on a bad check for this 3rd party that I am not on an account for ( although I am sure they found me via skiptracing as I do know the 3rd party ) I then explained that he was violating privacy laws by telling me this persons business as it was not mine at which he stated that 'he could have his attorney contact him as well ' The number they called me from was XXXX. 

Had he simply asked me to relay a message without disclosing personal information, I would have done so.
Product: Checking or savings account

I made a {$3000.00} check deposit using my mobile app. At 1st it was indicated that the funds would be available for payments next business day then cash withdrawal 2nd business day. Then I  notification that hold had been placed on the deposit until XX/XX/XXXX which is a 10 day hold. I made the deposit Saturday XX/XX/XXXX. The funds were withdrawn from the account I wrote the check from on XX/XX/XXXX. 

Bank of America is the institution that placed the hold. The funds came from my XXXX XXXX money market account.
Product: Vehicle loan or lease

I leased a vehicle through Ally Financial and a lease returned was done on XX/XX/2020. I received a letter from Ally Financial dated XX/XX/XXXX stating that the inspection was completed and there was an Excess Wear Charge of {$710.00} plus tax for a Windshield Crack greater than 1/2 '' diameter. Upon reviewing the inspection photos, I found that the starburst was in fact less than 1/2 '' in diameter which per the lease agreement should have been a non-chargeable item. I immediately reached out to customer service and advised them that I wanted to dispute this charge. I then received the final statement stating that the charge was still included in the final accounting. Upon contacting Ally Financial by phone, I was advised that although the windshield crack was smaller than 1/2 '' in diameter, because the vehicle is a " premium '' vehicle they still needed to charge in full for the windshield. This information is not listed anywhere in regards to returning the vehicle and seems to be a ploy to take advantage of consumers. The vehicle was said to be already sold which would have been in lightening speed, a matter of 1-2 days which means that I was not even allowed to utilize my comprehensive insurance coverage for the damage which would have only been a {$50.00} deductible. I am an XXXX XXXX military XXXX and my wife is currently affected by the Covid-19 pandemic and this has caused an extreme and unnecessary hardship on my family.
Product: Debt collection

I receive preventative medical services from XXXX XXXX ( XXXX ) every three months as part of my XXXX XXXX ( or XXXX  ) medication. XXXX uses XXXX for XXXX XXXX. I have XXXX XXXX XXXX XXXX health insurance. Every three months after I receive XXXX XXXX through XXXX, I receive a bill. The bill is never the same amount. It has been less than {$100.00} or more than {$250.00}. The last lab services I received, I was made to sign a piece of paper as I was getting my XXXX  XXXX   agreeing that I would pay any medical costs not covered by my insurance. The letter stated that my deductible matched the amount for XXXX 's services. What is the chance of their services matching my deductible exactly and then they send me a bill. It seems shady, and it is wrong that I am forced to sign a piece of paper as I am going to get my XXXX  XXXX. Also, I am getting needed testing and preventative services. XXXX XXXX Services are supposedly covered under the Affordable Care Act : https : //www.cdc.govXXXX   They report random amounts to my credit reports under their collection company " CREDIT COLLECTION SVCS. '' I believe they have used " XXXX XXXX XXXX  '' as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax compromised all my personal information. There current offer of 1 year protection is ridiculous. My information will not change even when I XXXX and it is now out there for someone to use. This is unacceptable and their response is laughable. Something needs to be done to a company that I have no control over my data with.
Product: Checking or savings account

On XX/XX/2024 I noticed charges from a company XXXX XXXX XXXX dating back to late XXXX and upon checking realized I did not have a relationship with this merchant, nor had I authorized any charges. I immediately froze my account, and called chase to begin the dispute process. After having to open 7 disputes ( because of the amount of transactions and their system not allowing all to be in one ) 6 of the disputes were closed in less than 24 hours before I could provide any evidence to support my claim. Later the last was closed as well, none in my favor. I called chase on 6 occasions speaking to 11 people. There was 0 consistency as to why the dispute was denied. Finally, after asking several times, I was connected to a domestic supervisor who was able to explain that because I didnt report them quicker ( even though you have 60 days and I was within this window ) that this was somehow my fault and thats why the disputes were denied. They didnt take into consideration a police report, email from the merchant confirming no account was affiliated with my email or name, and an email from Chase informing me that my information was part of a data breach. I was also informed at one point that Crypto purchases are not protected and at no point was this disclosed to me, nor is it in Chases deposit agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FCRA XXXX ACCT INQUIRIES HAVE VIOLATED MY RIGHTS NUMBERS 1-12 15 USC 1681 SECTION 602A -I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A - STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH WITHOUT WRITTEN INSTRUCTION 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX  XXXX XXXX 4. XXXX XXXX XXXX 5. TRANSUNION XXXX XXXX XXXX 6. XXXX XXXX TRANSUNION XXXX XXXX 7. US DEPT OF HOUSING XXXX 8. XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX XXXX 12. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  {$630.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor XXXX XXXX   XXXX XXXXXXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$630.00} High Balance {$630.00} Remarks Medical Consumer disputes after resolution XXXX XXXX XXXX {$370.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$370.00} High Balance {$370.00} Remarks Consumer disputes this account information Medical XXXX XXXX {$190.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX   Original Creditor XXXX XXXX XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$190.00} Remarks Consumer disputes this account information Last Reported XX/XX/XXXX Creditor Name XXXX  Account Type Rental Agreement Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 36 Months Monthly Payment {$0.00} Responsibility Individual Balance {$4200.00} Highest Balance {$4700.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX  Times 30/60/90 Days Late XXXX Remarks Charged off as bad debt Profit and loss write-offXX/XX/XXXXCreditor Name XXXX Account Type Automobile Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 49 Months Monthly Payment {$420.00} Responsibility Individual Balance {$0.00} Highest Balance {$12000.00} Payment Status XXXX0-59 Days Late Worst Payment Status 60-89 Days Late Date of Last Payment XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$440.00} High Balance {$330.00} Remarks Placed for collection XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$330.00} High Balance {$220.00} Remarks Placed for collectionAccount Details Last Reported XX/XX/XXXX Collection Agency XXXX  XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$190.00} High Balance {$190.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.
Product: Credit card

Hello. I am hoping that you can please help me with this issue. Long story short. On XX/XX/2023 at XXXX pm my XXXX account was hacked. Hacker stated that prior orders were not received. Hacker requested {$100.00} worth of gift cards. Hacker than purchased XXXX on XXXX XXXX XXXX. XX/XX/2023 Hacker purchased a computer monitor amount {$150.00} on my credit card to be shipped to my previous address where my mother currently lives. On XX/XX/2023 Hacker purchased {$190.00} worth of batteries on my card to once again be shipped to my previous address. Each time there was suspicious activity I called XXXX to report the situation and also called Chase to report the situation. I did everything they asked of me. I thought everything was taken care of until the fraudulent charges amounts {$150.00} and {$190.00} showed up on my bank statement again. Sense than I have spend hours on the phone between Chase and XXXX. I have provided chase with everything theyve asked including my phone records with XXXX and Chase, an XXXX complaint form with the FBI, all of my recorded calls with XXXX, a XXXX page document of fraudulent statements in which the hacker was impersonating me and messaging the XXXX bot about the fraudulent orders they made, and all of purchases made with XXXX in the past 2 years. This has been a complete nightmare that Ive been dealing with for almost three months. I even went into a Chase branch to back on XX/XX/2023 to talk to someone and they still didnt seem to have an solution. Today XX/XX/2023 I was finally able to talk to a Chase representative who seemed to be able to help and during a XXXX way call with the Chase representative and XXXX representative the Chase representative hung up in the middle of the call and didnt call back. I feel like these two companies are spinning me in circles always leading back to me being responsible something I didnt do. I wish they would do whatever research thats involved in a hacking situation correctly. I dont know how many more times I can tell them I was hacked. With 3 months going by and these amounts still being on my account it is now also impacting my credit scorXXXX. I really dont know what else I can do.
Product: Debt collection

XXXX XXXX is showing up on my credit report. I have called them several times in regards to this matter. This bill is not mine and I do not owe them no money. Please remove this from my credit report thank you
Product: Credit card or prepaid card

In early XXXX 2019 I received a recorded message and e-mails that someone had used my credit card number on or about XX/XX/2019. charge about {$600.00} on my CitiBank express card. I never used that card and don't know how they got the number. Whoever did this charged things at XXXX XXXX XXXX and places in XXXX XXXX, Puerto Rico. CitiCards sent me a statement with all the places where the card was used, and I cancelled it and foolishly got a new card. They removed all but one charge, the most expensive, XXXX  XXXX XXXX XXXX, XXXX XXXX. CitiBank sent me a form to fill out and return stating that I never authorized this transaction, which I signed, kept a copy of, and sent the original to them. The {$180.00} was on my next statement. I was told it was under investigation by their fraud dept. I paid the {$410.00} that I actually owed them but not the fraudulent charge. Every month I got a bill with that amount on it ; called and was told it was still under investigation. I called and spoke to dozens of people who said they would take care of it and remove it but no one did. I cancelled the card but am still getting phone messages and e-mails from CitiBank that I owe them that money. They have added late charges to my closed account and say this is still being investigated by their fraud dept. No one can seem to get through to their fraud dept. I ignore their calls and bills. This has been going on for almost 10 months. Sounds like an inside job to me. I plan to contact the Federal Trade Commission about this. They are definitely not getting paid by me for money some crooks spent. Don't ever get involved with CitiBank. 

XXXX XXXX XXXX XXXX, FL XXXX