23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/XXXX or XXXX, XXXX, I noticed unauthorized charges on my prepaid debit card account. I immediately contacted my bank on XX/XX/XXXX, and attempted to contact the merchant where the charges allegedly occurred. On XX/XX/XXXX, I visited the merchant in person to resolve the issue directly. On XX/XX/XXXX, I submitted a formal dispute to the card issuer ( XXXX XXXX XXXX ) as recommended by the merchant. On XX/XX/XXXX, I was notified that the disputed charge of {$50.00} was actually declined, and a balance of {$50.00} appeared in my account. However, these funds were not made available to me. When I contacted the card issuer to request access to my funds, I was initially told they would be available in 3-4 days. After I complained about this delay, the card issuer extended the hold period to 7-14 days, seemingly as retaliation for my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting on my behalf with out my permission. I havent been able to contact them and they have still been charging me late fees. Every tine i try to contact support i can not get through. Since XX/XX/2021 till XX/XX/2021 they have taken money from me and i demand it all be sent back to me. Under 15 usc 1692 c i would like to cease and desist all communication from here on out. Under 15 usc 1681 ( the fair credit reporting act ) all reports need to be accurate and fair. And i am a victim of fraud because so gave no consents for anybody to report or have my information. Any paperwork like the pictures i showed attached are examples of false and deceptive paperwork which is a violation of the fair trade commission ( the ftc )
Product: Debt collection

Today ( XX/XX/2018 ) I received a call from ERC asking for XXXX XXXX. This is the first time they have called asking for this person. The calls have been going on for years now and I repeatedly keep asking them to remove me from their list but it continuously keeps happening. It may not be the same company each time since the numbers are always different and from different states occasionally. I am an XXXX XXXX military member and find it exceptionally aggravating getting calls throughout the day ongoing for several years now. Please help me remove my number forever since I am a XXXX and changing my phone number would be detrimental to achieving my XXXX mission.
Product: Debt collection

this issei is between XXXX XXXX XXXX  XXXX XXXX ct and XXXX XXXX and me, when i trade XXXX XXXX XXXX with over maileg and XXXX XXXX ADEED IT TO MY NEW MONTHLY PAYMENT IT WAS ABOUT XXXX DOLLAR but XXXX XXXX trying to force me for amount of XXXX that amount is over maileg and the rest is tax and this amount i already bay about 900.00 to XXXX XXXX XXXX and i have all decominte but they insist that balance of XXXX stel not bed tile naw. and toyota motor credit corporation sent me a letter on XX/XX/XXXX. XXXX. XXXX ACCT # XXXX, CREDITOR ACCT # XXXX, ACCOUNT BALANCE:XXXX. I HAVE ONE YEAR  GOING TO XXXX XXXX XXXX TO HELP ME BUT EVERY TIME I WENT THAR THEY NOT GIVE ME ANSWER THEY SED DO NOT WORRY WE WILL TECAR OF THAT. WHAT I CAN DO I NEED HELP PLEAS, THANKS XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CT
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME:XXXX XXXX XXXX
DOB XXXX
SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

SOMEONE OPEN FRAUDULENT ACCOUNTS IN MY NAME AND THE CREDIT REPORTING AGENCIES ARE IGNORING MY DISPUTES THE ACCOUNTS BELOW ARE

1.XXXX XXXX XXXX open XXXX XXXX XXXX balance XXXX  dollars
2 XXXX XXXX XXXX XXXX open XXXX XXXX XXXX XXXX
3 XXXX XXXX XXXX  dollars open XXXX XXXX XXXX XXXX 
4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I got XXXX Checking Account with the KeyBank NA. I found errors in the statements and wrote a notification about their correction.The bank corrected the errors and closed my account as charged off. When I log into an account, I see that you have closed your account, but I didnt. The branch manager ignores me without answering my notification, without answering my email or phone call.
Product: Credit card or prepaid card

Clearly citi card us refusing to review the provided evidence. I have communicated the same information multi times and send the required pdf docs. 

Citi XXXX XXXX XXXX XXXX XXXX - online i disbuted a charge XX/XX/XXXX - called and talked to citi XX/XX/XXXX - sent request info to citi and XXXX confirmation email XX/XX/XXXX - citi deny dispute because I did not send in the info. 
XX/XX/XXXX - re-opene disbute and resent the required info XX/XX/XXXX - citi emails me asking for the same information
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX Cease reporting this immediately under 15 us code 6852 This not my debit I have been writing you over a year now Please stop reporting
Product: Debt collection

I received a call from what seems to be a debt collector group called Capital Accounts. They claimed that they were attempting to collect on a debt I owed to XXXX XXXX XXXX in XXXX, Idaho. I did rent a house for a year through this company but never knew of any debt or had ever been notified. My rental was closed in 2014. I was not going to pay this Capital Accounts over the phone and I certainly wanted to know what I supposedly owed for if anything. I immediately got off the phone with Capital Accounts and called XXXX XXXX. I spoke with a lady named XXXX and she seemed to both remember me and assured me that I did not owe anything. Capital Accounts called me again today trying to collect and I told them that I find this to appear fraudulent and I would report the incident. The amount was odd ( {$88.00} ) and maybe they thought I'd be a sucker and cough up credit information. Their web site given is : http : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA. XXXX
Product: Debt collection

I have been fighting identity theft since the day I turned 18 years of age, and it's almost a nightmare that never stops recurring. Since I was 18 years old I have had all three credit companies flag me for identity theft due to being a victim. I can not file income taxes online because I have to get an IP pin addressed to me every year that goes straight to the IRS headquarters in Texas. XXXX XXXX XXXX has recently placed two collections against me and on my credit report, one of which being for XXXX XXXX in the amount of XXXX $ and the other being XXXX XXXX in the amount of XXXX . Neither of these accounts belong to me nor have they ever been mine, I have been a XXXX XXXX subscriber since I was 18 years of age and have had the same phone number since I was 18 years of age, with no late or past due payments to this very date in time. I'm requesting complete removal and deletion for these two listed accounts as they are both fraud. 

My step-mother has been placed in jail on three different occasions for using my identity before finally getting a credit freeze placed on my account along with the IRS freezing my social and requiring a paper w2 to be mailed in leading to further my struggle in life because I have yet to receive one stimulus check because my identity can not be verified. This is absurd. 

Thank you for your understanding, this is a very hard day and age we live in. I didn't know being a victim of identity theft would haunt me for what seems like forever.
Product: Mortgage

Closed the XXXX line of credit in XXXX. Overpaid and requested a refund. Followed up using the XXXX number and obtained no satisfaction after multiple calls, through XXXX. 2022. Started filing complaints with the CFPB to get the organization to address my concern. After the first complaint filed with the CFPB, USBank provided a copy of the cashiers check that was supposedly issued to me, refunding the amount expected. I examined the check and noticed that the signature was not my signature and I could not determine where the check was cashed or deposited. I filed another complaint with the CFPB noting this discrepancy/information ( Compliant # 2 ). USBank responded " confirming the funds were deposited into an account which did not list us as the owner ''. Still no resolution to the funds owed. Instead I have been asked to file an Unauthorized Paper Debit affidavit with their fraud investigations area. 
- Why am I required to file a fraud form when the fraud was perpetrated on USBank? 
- Why have I still not received the refund, over 90 days later for the overpayment? 
- Why is USBank allowed to have a complaints process that does not allow for clear communication and properly trained personnel to deal with customer concerns?
Product: Debt collection

Collection I received a dunning letter signed by XXXX, an attorney. I sent a timely response disputing the alleged debt and demanding that he cease and desist from any further collection activities until he validated the alleged debt. 
The attorney filed a lawsuit against me within the thirty ( 30 ) days. I have had to defend in court while another attorney continued to send dunning letters without validating the alleged debt. 
In court, XXXX, the attorney for plaintiff is shifting the burden of proof onto myself, the defendant.
Product: Credit card or prepaid card

I purchased product from a handbag merchant called XXXX and used my American Express Card going through XXXX for {$180.00}. I never received my purchase. I filed a dispute with American Express, they withheld payment. The merchant finally mailed my product so I closed the dispute and American Express advised they would chargeback. I contacted XXXX who adv they are waiting for the chargeback information from American Express. When I contact American Express they advised they have completed the chargeback, but the many XXXX Representatives I have spoken with advised there is no communication from American Express. I have placed numerous calls to American Express and XXXX, but continue to get the runaround. I wound up paying XXXX {$180.00}, since I did receive the product. I need the XXXXAmex to be rectified so XXXX can credit the original charge. This has been going on for over a month.
Product: Credit reporting or other personal consumer reports

I am enclosing a copy of a letter that I mailed to your company via certified mail requesting that you verify the alleged debt your company claims I owe. The tracking from the XXXX shows the letter was delivered on XX/XX/XXXX. It has been more than 30 days, and I have not received any proof that your company validated the debt. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed. 

XXXX XXXX Account XXXX Account type : Business Card Responsibility : Joint Date opened : XX/XX/XXXX Status : Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Account type : XXXX XXXX XXXX : Individual Date opened : XX/XX/XXXX Status : Paid, Closed. 
Status updated : XX/XX/XXXX XXXX XXXX XXXX Account XXXX Account type : XXXX XXXX  Responsibility : Individual Date opened : XX/XX/XXXX Status : Account charged off. {$35.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Balance : {$35000.00} XXXX XXXX XXXX Account number : XXXX Account type : XXXX XXXX Responsibility : Individual Date opened : XX/XX/XXXX Status ; Account charged off. {$20.00}, XXXX written off. {$10.00}, XXXX past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Balance : {$10000.00} Balance updated : XX/XX/XXXX Recent payment : {$2100.00} as of XX/XX/XXXX XXXX XXXX AUTO Account number : XXXX Account type : XXXX XXXX XXXX : Individual Date opened : XX/XX/XXXX Status : Account charged off. {$6.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Balance : {$6000.00} Balance updated : XX/XX/XXXX XXXX XXXX BANK XXXX Account number : XXXX Account type : XXXX XXXX  Responsibility : Individual Date opened : XX/XX/XXXX Status : XXXX Closed. 
XXXX updated : XX/XX/XXXX 2023
Product: Credit card or prepaid card

Could not get this resolved as the representative did not understand the charges was put on hold XX/XX/XXXX I paid off the balance on my XXXX XXXX credit card. After that I was charged {$2.00} for fees that are unexplainable. Those were attached after I paid the balance. Sounds like a type of fraud to me credit card companies got way too much leeway to do as they please to the consumers. I would like a viable explanation thank you very much
Product: Mortgage

I received correspondence from Wells Fargo in regards to a complaint that I filed and much of the information Wells Fargo mentioned was and is inaccurate. For Example : wells Fargo stated that my loan was not in Foreclosure when they received the loan. However, I have a letter from ASC stating that the loan was in foreclosure. Secondly, Wells Fargo has yet to address the claims mentioned by the XXXX XXXX XXXX   which stated that my loan was intentionally denied a modification from XXXX XX/XX/XXXX because of intentional computer glitch which created and/or created inaccurate NPV calculations which denied me an modification. Wells Fargo attached hundreds of thousands of Dollars to the arrears once they did offer a modification in XX/XX/XXXX. Also, upon not completing modification I applied for a tier 2 modification and I was informed by ASC that I did not qualify in XXXX. However, that was inaccurate according to XXXX XXXX /HAMP because I provided evidence that I converted my home to a 2 family which increased the Hamp guidelines from {$720000.00} to {$920000.00}. I also provided rental income to substantiate a tier 2 modification. It is blatant discrimination according to the Justice Department, XXXX XXXX and XXXX XXXX XXXX. I was informed by Congresswoman XXXX and Congresswoman XXXX that if I foreclose and the property is sold my case will be discussed dealt with because of the 10 plus years of neglect and abuse. It's unheard of .... I am asking Wells Fargo to offer me a modification. In conclusion MERS does not have legal claim because Wells Fargo does not Possess the ACTUAL ORIGINAL NOTE OR SETTLEMENT DOCUMENTS BECAUSE XXXX DESTROYED ALL RECORDS. THEY FORWARDED ME THE LETTER STATING THAT THEY DO NOT HAVE ORIGINAL DOCUMENTS. I FOUND THE LETTER THIS WEEK AND WILL FORWARD THE LETTER TO THE JUSTICE DEPARTMENT AND LOCAL CONGRESSWOMAN. THE SETTLEMENT DOCUMENTS ARE DIFFERENT THAN THE ORIGINAL NOTE AND DOCUMENTS.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and this account looks weird to me. The last date of activity, the last date of payment, the account number, the balance etc. Everything on my credit repot looks to be incorrect. Can you please delete these items from my credit report because they are not accurate, and it is not complete. 

I sent letters on XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I have attached that letter that I sent last that clearly tells them that the information you are reporting is not accurate and its also not complete. It is incorrect, please delete this Immediately. I want you to reinvestigate this because the way its looking on my credit report, it does not look accurate or complete yet. 

I have also attached my tracking information from USPS. 

Please look into the following attributes and you will see that they are incorrect. I have also highlighted them on the pages included from the last letter I sent. 
First Date of Activity Last Date of Activity Last Date of Payment Account Number Balance Current Status
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries that appear on my credit report, as well as to assert my rights concerning the documenta on you may request from me in relation to this dispute. Upon reviewing my credit report, I have identified the following unauthorized inquiries :
Product: Debt collection

The account was paid off by XXXX XXXX  When Home was sold on XXXX XXXXShortly after started receiving late payment noticed ... .Tried on several occasions to talk to there agent but they refused to listen and only had a one track mind saying that I still owe the money ... .Fully executed Termination/Release of UCC Financing statement as recorded in Official Records Book XXXX, Page 353 of the Public Records of XXXX XXXX, Fl.XXXX XXXX XXXX XXXX Fl, XXXX, ,Even after sending copies of the cancelled check they refuse to correct there error ... .....
Product: Credit reporting or other personal consumer reports

I just got my credit report on XX/XX/year>, and noticed some accounts on my credit report are incomplete and inaccurate. Which is a violation of 15 USC 1681e ( b ). They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point, I believe they are doing this purpose. According to 15 USC 1681e ( b ). 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. 
XXXX XXXX # XXXX Delete this account immediately, because of violations of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ). 
Possible Financial # XXXX Delete this account immediately, because of violations of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ). 
XXXX ; XXXX # XXXX Delete this account immediately, because of violations 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ). 
XXXX & XXXX # XXXX Delete this account immediately, because of violations 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC1681e ( b ). 
XXXX # XXXX Delete this account immediately, because of violations 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) and 15 USC 1681e ( b ) . 
Once you have deleted these accounts from my credit report, please send me a copy of my updated report.
Product: Credit reporting or other personal consumer reports

I have been disputing the names that are used on credit reporting as names I never used, incorrect addresses and jobs. I have been involved in several security breaches over the years. I don't know if the variations of my name is used in fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous accounts. The XXXX credit bureaus must verify 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 be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have received a cashiers check from fifth third bank. 
My bank. XXXX XXXX  says the check is not good and i need to call fith third bank to get this resolved. 
fifth third bank will not help or call me back because they say they paid the money to XXXX XXXX. 
Again XXXX XXXX says they did not receive the funds. 
I am out XXXX $
Product: Debt collection

I had a balance of {$1800.00} and change. I was given options to pay in full or settlement. I asked what would be better for credit reporting and was advised paying in full by a US representative with Conns. So i chose to pay the full amount and not take the settlement. They have no updated the credit bureau incorrectly stating paid as settlement. This needs to be be correctly immediately to updated as paid in full not a settlement as i did not take a settlement. I have called multiple times but my calls get routed overseas and i get no where with them.
Product: Credit card

I was scammed for an on-line purchase. Then the scammer used my Discover card to The order items from XXXX XXXX XXXX, {$130.00}. The delivery order that I got from XXXX shows my name, my address, and an address in XXXX, The XXXX  tracking shows these items were delivered to XXXX. I live in XXXX  and have for the last XXXX  years. XXXX said they would issue a refund, but they needed Discover to reopen the dispute. I talked to Discover and finally after several calls opened a new dispute, then within days I got the notice that the dispute was closed and the charge was put back on my card. I can't seem to get Discover to resolve this problem and I am NOT paying for this order and I am NOT paying a late charge for not paying that amount on my last bill I just paid. I have copies of all this information and have shared it with Discover and can provide to you if needed. I need help
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestisgate the completenesss and accuracy of the list of accounts below : 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  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 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following itemsof information other than records of convictionsof crimeswhich antedates the report bureau more than 7 years 15U.S.C 1681s-2 ( a ) ( 1 ) A person shall not not furnish any info relating to a cusumer an person knows or has reasonable cause to belive that the information is inaccurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 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 XXXXXX/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 XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.