23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and i am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without my consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX. XXXX, XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have a Checking account with Citibank ( Gold Status ) and have made international Wire Transfer of the amount {$5000.00} on XX/XX/2021 and have received Confirmation on this action next day ( XX/XX/2021 ) from Citi Gold via E-Mail. However, this wire transferred {$5000.00} is not received by Payee 's bank account ( at my savings account with Bank name : " XXXX XXXXXXXX XXXX  '' ) even after 2 weeks past. I therefore requested Citibank to pull this amount of {$5000.00} back to my checking account at Citibank. But Citibank never came back to me with any answer till today ( XX/XX/2021 ) and this Wire Transferred {$5000.00} remains disappeared. Kindly help me to get this disappeared {$5000.00} back to me account at Citibank, thank. you.
Product: Checking or savings account

I have been with XXXX XXXX for Years! I have been hit with overdraft fees XXXX  daily! Also transactions take a very long time to process. So you never know if the balance is accurate in your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681Collection Agency XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Collection Agency XXXX. XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Collection Agency XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Collection Agency XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a 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 items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven ) 7 ) years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I got the card in XXXX and have carried a balance much of the time, paying their usurious 24.74 % interest that I agreed to. ( {$320.00} in interest in XXXX alone ) On XX/XX/XXXX, when my balance was {$3000.00}, I made an electronic payment of the same amount, which should have brought my balance to XXXX. 

When I received my next statement on XX/XX/XXXX, it showed that I had paid the balance in full, but added an additional {$33.00} in interest. 

I called the company and asked them to retract this charge on the basis of customer goodwill and my tenure with them. They told me that they would not and there isnt anyone that I can talk to or write a letter to. They would not provide a name or phone for anyone, including the VP of customer service or the CEO. I WAS TOLD THERE IS NO ONE ELSE IN THE ENTIRE COMPANY THAT CAN TALK TO ME OR HELP ME. 

I understand capitalism and the desire of large corporations to make a fair return on their investments. However, when companies are this arrogant there is typically some other dynamic going on. 

Thank you
Product: Credit reporting or other personal consumer reports

I needed a loan and just applied for one, unfortunately it was denied from the bank. After obtaining a copy of my credit report there are some major issues that need to be addressed. 

In accordance with the Fair Credit Reporting act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, XXXX and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts to be removed immediately : I found the following accounts to be in error : Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, DE, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, NJ, XXXX XXXX XXXX - XXXX - Under 15 U.S.C 1681 ( a ) ( 4 ) consumer rights to privacy - This is a violation of my consumer rights, please delete immediately XXXX XXXX  - XX/XX/XXXX - Under 15 U.S.C 1681 ( a ) ( 4 ) consumer rights to privacy - Please Delete Immediately XXXX XXXX XXXX XXXX  - XX/XX/XXXX - Under 15 U.S.C 1681 ( a ) ( 4 ) consumer rights to privacy - Please Delete Immediately XXXX XXXX XXXX  - XX/XX/XXXX - Under 15 U.S.C 1681 ( a ) ( 4 ) consumer rights to privacy - Please Delete Immediately XXXX XXXX  XXXX - XX/XX/XXXX - Under 15 U.S.C 1681 ( a ) ( 4 ) consumer rights to privacy - Please Delete Immediately XXXX. XXXX  - XXXX - Under 15 U.S. Code 1681i ( 7 ) Description of reinvestigation procedure - If you can not provide proof that I was ever late, then please update to paid as agreed, never late 2. XXXX  - XXXX - Under 15 U.S. Code 1681i ( 7 ) Description of reinvestigation procedure - If you can not provide proof that I was ever late, then please update to paid as agreed, never late XXXX. XXXX - XXXX - Under 15 U.S. Code 1681i ( 7 ) Description of reinvestigation procedure - If you can not provide proof that I was ever late, then please update to paid as agreed, never late
Product: Money transfer, virtual currency, or money service

I ( XXXX ) sent XXXX dollars ( {$75.00} ) to my friend ( XXXX ) on Monday XX/XX/2020. I have sent 11 emails back and forth trying to get it resolved. I have followed all of their suggestions but it turns into a loop of unhelpful support. 

They said if I provided proof that my friend ( XXXX ) can not access the account then they could refund me. When i provided proof, they said they are unable to help and that i need to request a refund ( I had already requested a refund, thats how the emails started ). I told them i already requested a refund and they told me they are unable to help. 

She has not had access to this account, therefore has not accepted the funds and can not be considered a completed payment. Per section 7 of their Terms and Service Agreement " P2P Payments not claimed by a Recipient for fifteen ( 15 ) days after the processing has begun will be canceled automatically. We will attempt to return any unclaimed, refused, refunded, prohibited, or denied P2P Payment to your Eligible Transaction Account or Eligible Credit Account, as applicable. If we are not able to do so, we may use other reasonable means to return the P2P Payment to you, as permitted by applicable law. '' They have not confirmed the funds will be returned to me after 15 days and I've asked multiple times. Nor have they provided any solution using other reasonable means to return my payment to me, as permitted by applicable law She has also given them permission to move the funds ( to her active account or back to me ). Per Section 8 of their Terms and Service Agreement " If you receive a P2P Payment and we later determine in our sole discretion that the P2P Payment was invalid for any reason, you hereby authorize us to move funds from the applicable Eligible Transaction Account or Eligible Credit Account in an amount equal to the P2P Payment. '' But they wont do anything to help. My money is in limbo and its just a matter of not being scammed at this point. i HATE this company and will not do business with them ever again. 

Ive attached both mine ( XXXX ) and my friends ( XXXX ) email conversations with support.
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> MY ACCOUNT WITH XXXX XXXX  OF {$1400.00} PAYMENT STATUS WAS CHARGED OFF AS BAD DEBT, HOWEVER THIS IS ACTUALLY CONSIDERED INCOME BECAUSE I SHOULD HAVE RECEIVED A 1099 C IN ORDER TO ACCOUNT FOR THIS AS INCOME. THIS IS NOT A CHARGE OFF AND I'M REQUESTING THAT THIS IS REMOVED BECAUSE IT IS NOT DEBT. THIS IS CONSIDERED INCOME AND INCOME SHOULD NOT BE REPORTING ON MY CREDIT REPORT.
Product: Checking or savings account

I opened an checking and saving account with fifth third bank on XX/XX/XXXX. I received an email with confirmation that my account was opened successfully and was giving an account and Routing number, I Created an username and password the same day. Unfortunately the next business day I tried logging into my account and was denied access to my accounts, when I contacted Customer support they provided details about an old account from XXXX ( way pass the statue of limitations for debt collections in Ohio ) that I never knew existed, and said due to the findings with that old erroneous account that they no longer wanted to move forward with the relationship, I was in total disbelief and wanted answers so I had the manger assist me with opening up an investigation on XX/XX/XXXX so this matter can be resulted and I was told an dispute will be placed in progress and the time frame is XXXX days, however I received an letter on XX/XX/XXXX for a dispute resolution and the letter never gave any details upon the facts finding in fact the only information that was giving was the information I provided them with. They even have contradicted themselves by saying this information does not appear on XXXX  ( XXXX XXXX XXXX  ) or XXXX. Which is both reporting agencies for consumer! I feel discriminated against, i feel profiled! I dont feel it was an intensive investigation done on my behalf because of it! and this discrepancy still remains, this is a clear violation of regulation b and my consumer rights, I need this to be resolved expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or agree to XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

was involved in a accident at work and employer agreed to pay all medical bills. This a bill from the accident.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have set up the auto pay two months in a row and it is not taking the payment either month I am sick and tired of this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, and XXXX XXXXXXXX account number XXXX have 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: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX | XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} NOTICE, this letter is a follow-up to the original letter I sent to your company. It seems that you are being willfully noncompliant. Specifically about the following unauthorized, false and fraudulent credit inquiries that were made by the following companies : Inquiries in Dispute : XXXX. XXXX  Delete this Inquiry for fraudulent reporting becuase XXXX XXXX was reported on XXXX XXXX. XXXX Delete this XXXX for fraudulent reporting becuase XXXX XXXX was reported on XXXX My first request was simple. And you failed. Miserably. You provided absolutely no documentation or proof that the inquiries in question were obtained pursuant to the Fair Credit Reporting Act. Once again, you gave an entirely inappropriate response by encouraging me to deal directly with the furnisher. 

I have maintained the previous record of my communication with your company. If your company Fails to remove these fraudulent inquiries within 30 days of receipt of this certified letter. I am strongly considering filing a small claims action against your company, seeking {$1000.00} per violation for knowingly and purposefully furnishing deceptive forms, knowingly enabling Identity Fraud and sharing my personal information without my written permission or my consent. 


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

This account is in violation Credit acceptance is willfully civil liable for continuing to report incorrect data on my consumer report. 

15 USC 1681e ( b ) ( b ) Accuracy of report 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. 

The number of terms is reporting incorrectly the date last reported is also reporting inaccurately DELETE THIS ACCOUNT
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Section 604 A Section 2 : it also States a consumer reporting agency can not furnish account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Petition Ref # XXXXXXXX XXXX 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No Consumer Reporting agency may make any consumer report containing any of the following items of information.Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

delete hard inquiries accordance with the Far Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Jection 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 items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have been fighting with this company for a year trying to resolve this matter, Last I have sent a letter and email to the CEO of the company to resolve this issue! 


Its a big clear mistake thats a violation of the law : 15 Us Code 1666b Timing of Payments I will include in my proof in my images below! This is a big violation and against the law this is not fare at all for them to continue to do this just because they are big company and im just one person I Can not get this resolve and I have 100 % CLEAR proof of the company 's big mistake but they wont resolve it and update my account as paid on time! And remove the inaccurate remark of my auto being late as I have never been late on anything in my life with none of my accounts!
Product: Debt collection

I am writing to formally dispute the inaccurate reporting practices of SUNRISECRED as reflected in my credit reports from the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ). I have identified several discrepancies which raise concerns about the accuracy and integrity of the information being reported. The details of my complaint are as follows : 1. Inconsistent Account Dates : The date opened and last activity dates for my account with SUNRISECRED differ significantly across the credit bureaus. This inconsistency undermines the credibility of the accounts history and negatively impacts my credit profile. 
2. Missing Payment History Data : The account fails to display any payment history, making it impossible to verify whether payments have been made as agreed. The absence of payment data does not allow a clear and fair assessment of my credit behavior.

3. Charge-Off Reporting with Unpaid Balance : Despite being reported as a charge-off, the account still shows an unpaid balance. Generally, once a charge-off is determined, the balance should either reflect accurate collection or settlement information. This discrepancy creates confusion regarding the status of the debt. 
4. Conflicting Bureau Comments : The comments attached to the account vary across credit bureaus. Some reports label the account as refinanced, others as charged off, and some even indicate collection. Such conflicting descriptions contribute to the misinformation being disseminated to creditors and negatively affect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis claims they cant send me my results due to not being able to verify my identity. This is my second attempt to verify my identity. I would like for them to immediately send their method of Verification on how they verified the inaccurate reporting of bankruptcy
Product: Checking or savings account

I've been denied Power of Attorney after multiple attempts, with a legitimate document, Friday, XX/XX/2022 The manager tried to assist me with my POA which included a full stop affidavit recommended by my lawyer. The legal team responded that I needed a note from the court, which I assumed was guardianship. All Im trying to do is the required minimum distribution for her IRA so my mom can maintain her pooled income XXXX  trust. I have been stopped at every turn and met with suspicion. I dont want other people going through this challenging situation to have to deal with this on top of everything else XX/XX/2022 The employee ( name ) at the XXXX XXXX XXXX XXXX branch was unhelpful and suspicious of me. My mom was in XXXX  and couldnt come into the branch. He stated that I didnt have the original copy. I went home and found the original and returned. Then the legal department wrote a note saying it was denied because the POA wasnt valid with no explanation.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was alerted of a charge to my Capital One credit card account made on XX/XX/XXXX. When I checked the account activity, I saw a fraudulent purchase was made on my credit card ( my account, husband 's card ) in the amount of {$510.00} at a XXXX XXXX XXXX in XXXXXXXX XXXX XXXX I live in XXXX, XXXX  ). I immediately called the fraud line at Cap One to dispute the charge and they said it was made with the chip card ( I had cut up the card when I received it in the mail so how this can occur is beyond me ) but they would investigate. Not 24 hours later, I received an email stating there was " insufficient evidence '' that I did not make the purchase and I was responsible fir the charge. I called the fraud line again and spoke with a manager on XX/XX/XXXX who called the XXXX XXXX XXXX XXXX and spoke with a staff member there ( while I was on the phone as well ) who looked up my account ( I do have a business account at XXXX 'XXXX XXXX in XXXXXXXX XXXX XXXX  and the staff member told the Cap One manager the only activity I had for XXXX was a purchase I made on XX/XX/XXXX in the amount of {$21.00}. Despite this, because the staff member was unable to look up the credit card information, the Cap One manager told me the case closed, " her hands were tied '' and " there is nothing else I can do. '' Not satisfied with this as I am not willing to pay for criminal activity and fraudulent charges I didn't make in a state I'm not even close to, I called again on XX/XX/XXXX asking for further assistance with the matter. They sent me an email to send any documents I could to provide any evidence to make my case ( basically investigate my own situation, something they should have done for me as their customer! ). I called the XXXX XXXX XXXXXXXX in XXXX ( the store here the purchase was made ) and asked if they were able to bring up footage of that date and they said they would need a police report. I called the non-emergency line at the XXXX Police Department and filed a report for fraudulent charges and explained the situation which is now under investigation. I sent these documents to the email provided by Cap One. I am awaiting reply by the XXXX.
Product: Credit reporting

Pinnacle Credit Services collected {$100.00} from me on a XXXX account in 2013. 
There is no balance due on the account but Pinnacle Credit Services keeps reporting the account as open and not closed.