23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/XXXX us bank focus transferred my money from one us bank focus pay card to another us bank focus pay card, both were in my name both were from my job at XXXX. They assured me this transfer would effect my account and they deactivated the card I transferred the money from, then my job kept depositing my payroll on the deactivated card. After learning I couldnt spend my money I called, they said it would cost me {$50.00} to over night new card ( even though I never requested my card be deactivated ) I informed the company that I had new address, that I had already changed address with both my job and on my us bank app. They still required either a five day from call to automatically verify address or I could fax in my driver license and mail with my name on it, so I did. This was on the XXXX of XXXX. I call next day, now they say my change of address mail from post office wasnt enough to to verify, so I resubmitted license and a signed lease. Called back they now having trouble locating my account and telling me to contact my employer, which I did. They said all they can do is remove card and add my direct deposit but as far as money in account that was my problem, called bank back, now they can find my account can see my documents but the signature page was missing from lease agreement, which I know it wasnt. Still us bank said after five days it would verify itself.. today surpasses the five days.. I call and still they refuse to send me another card now they are telling me that because they tried to verify on Saturday my five days starts over. And each time I call my five days starts over! The company is fraud. Ive done everything they ask of me and each time give me another excuse to why they refuse to give me my money my job has made three deposits since I requested new card. They say my account isnt good, yet money goes on card, I just cant use any of it. Im getting kicked out my house because I cant pay my rent.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Paypal gave unauthorized refunds to XXXX  and XXXX  on my behalf, and now is trying to charge me for it as a negative paypal balance. These are gambling companies that never asked for a refund, but was just issued by paypal without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried getting insurance for the XXXX  homes I own. The homes are XXXX miles apart and both suffered hail damage. My XXXX XXXX home has damage in XXXX while my XXXX XXXX home had damage in XXXX. Now I am ineligible for getting insurance because Ive had 2 claims. These homes are XXXX miles apart. The insurances, XXXX XXXX, says Ive had 2 hail events therefore I can o t be insured. In addition my identity was stolen in XXXX and Im still dealing with the fallout and damage to my credit score. I am way above average in net worth, yet I cant get insurance for my houses. I need help Thanks XXXX XXXX XXXX
Product: Debt collection

i have an acocunts from XXXX that were sent to RMS as a result of not initially sending bills to my health insurance carrier. i spoke with XXXX at XXXX on XX/XX/2017 and verified that i have had balances sent to a collections agency for bills that were not sent to my insurance carrier in error. she assured me that the bills in question for XXXX dates of service ( XXXX and XXXX ) would be sent to my health insurance and the accounts would be removed from collections. to date this has not happened. i have paid XXXX, XXXX, and XXXX in access. RMS currently reports a bill for XXXX ( XXXX submitted to my health insurance XX/XX/2017 and has been paid ). there are XXXX dollar fees and interest tagged onto all collections balances. i want a full refund for all clerical errors. today ( XX/XX/2017 ) i spoke with XXXX ( a supervisor ) and XXXX at this point they have resubmitted the claims correctly to my health insurance. i want all of my money back including the fees and interest from RMS. i also want all balances take off of my credit report ( XXXX and XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX DOB : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern : The items below were previously deleted from my credit file, yet they have been reinserted without proper notification as required by 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). I did not receive any notification of these reinsertions.

Please delete these items immediately or I will be forced to take legal action. The items in question are : XXXX XXXX Account Number : XXXX Date of Deletion : XX/XX/XXXX CFPB Complaint Number : XXXX XXXX XXXX XXXX Account Number : XXXX Dates of Deletion and CFPB Complaint Numbers : XX/XX/XXXX, CFPB Complaint Number XXXX XX/XX/XXXX, CFPB Complaint Numbers XXXX and XXXX XX/XX/XXXX, CFPB Complaint Number XXXX XX/XX/XXXX, CFPB Complaint Number XXXX These CFPB complaint numbers correspond to Equifax 's responses confirming the deletion of these items from my credit XXXX. 

Please send your written response to my address at XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX submitted XXXX inquiries which were meant to be for a XXXX XXXX application and not personally. They kindly accepted their error while processing it wrongly as a personal credit application, which I rejected due to changes needed on a title with high costs. 
XXXXXXXX XXXX  XXXX submitted the request to Transunion to remove the inquiries, and Transunion has omitted the request and has not removed them as instructed. 
Attached is the evidence from the XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I got instructions from roofing company to wire them {$6400.00}. I went to US bank branch and did so. 
After transaction, called the company and they told me it was fraud. Immediately, I came to branch and let them know. They called wiring department and let them know to not approve the transaction. The teller told me that, they were able to cancel it ( everything happened less than 10 minutes after transaction ). 
Afternoon around XXXX, I called wiring department to confirm as well, I was in line for a long time and finally a customer service answered and they told me money has gone. The customer service was rude and he hung up on me. 
Again I had to call again, be in the line for someone to respond, while time is essence. Finally someone helped me to file a swift back request for the receiving bank with no guarantee. 
US bank could stop this fraudulent wire, from the beginning that bank teller let them know within 10 minutes, from the wrong assurance that the transaction is stopped and then bad customer service representative who hung up on me, instead of acting fast. Very disappointed at US bank
Product: Checking or savings account

On Tuesday, XX/XX/year> I was expecting and waiting for my direct deposit to come into my account. After work, I tried logging in and was told that my account was blocked. I called Bank of America and inquired as to what was going on. They advised me that they had closed my account because of suspicious fraud. I did have fraud activity on my account, and the bank sent me a new card and account number. I inquired as to why they couldn't contact me to advise me of this. They claim that I should read the bank agreements. 

This morning I called the XXXX department XXXX at XXXX XXXX on XX/XX/year> and inquired as to when can I get my funds out and that I was a XXXX  and needed my funds to get XXXX ( I am XXXX XXXX XXXX, and went back to work to be able to afford my medications ). They obviously doesn't care, because he advised me that I would have to wait until XXXX weeks to receive a check. I can not wait XXXX weeks for my funds, This is a life and death situation. I can not believe that they have that much power over people 's money. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been disputing incorrect items on my credit report for months with Equifax. They have my birth date wrong in which i have sent them proff several times. Therefore nothing has been reported to my credit report. Which has affected my score tremendously Equifax has refused to respond to my complaint in this matter.
Product: Payday loan, title loan, personal loan, or advance loan

I am a new customer with Good Leap, a loan company. I opted in for auto-pay using my savings account. After receiving a missed call, I was informed that my bank account must be verified. I confirmed with the agent that I was using a savings account and asked if that would be an issue. The agent informed me that I could not use a savings account for auto-pay. I provided a different account, a checking account, for a one-time payment and stated I would call back later to set up a different account for auto-pay. The agent assured me that everything was resolved and that the payment would come from my checking account only.

However, a few days later, I noticed that payments were taken from both my checking and savings accounts. I called for a refund and was told by a supervisor that I would receive a refund, and it would be expedited due to the misleading information I was given. Now, over 10 days later, I have still not received the refund. A second manager I spoke with said there is no way to expedite the refund, contradicting what the first supervisor promised.
Product: Credit reporting or other personal consumer reports

I disputed this account with Experian on XX/XX/XXXX stating that the last payment date is inaccurate. I provided proof by sending a copy of my credit report from all three bureaus. XXXX is reporting last payment date XX/XX/XXXX, XXXX is reporting last payment date XX/XX/XXXX and Experian is reporting last payment date XX/XX/XXXX, it should be the same throughout the bureaus. Experian stated it's accurate, and they will not remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I purchased a brand new Jet ski and my Loan was thru XXXX XXXX XXXX the company is very unhelpful I have been trying to get this resolved for a year now. When I called them last XXXX they told me I owed {$50.00} for XXXX and XXXX when I called I paid the balance. It was only {$50.00} as I often paid them ahead. When I returned from Vacation they said I was behind on my payments I have never paid any of my loans late ever! I pride myself in paying my loans on time. I have 7 loans all on my credit report with perfect payment history. This company applied monies that were for Paymebts to the principle only if you review the historical payment history it is a cut and dry case. Just asking them if I paid on time is hardly an investigation as a hard working tax payer you are supposed to investigate these sistuations not just go off there misinformation and lies! Please do something about this! XXXX XXXX XXXX in XXXX XXXX!
Product: Mortgage

On XXXX XXXX, 2015, XXXX XXXX requested an Owners and Encumbrance report from our office. We ordered the necessary title search and prepared the O & E and sent it, along with our invoice, to him on XXXX XXXX, 2015. On XXXX XXXX, 2015, I sent an email requesting the status of payment for the invoice. He responded and said that the transaction had closed prior to receiving our report and that he had no way to collect the funds from his client. On XXXX XXXX, 2015 our on staff attorney sent him an email stating that he had ordered the product and was therefore responsible for payment. In the initial request, we were never provided with a due date that he needed this back by. The invoice is for {$220.00}.
Product: Credit reporting or other personal consumer reports

As I was reviewing my credit report I came account fraudulent accounts that are not mine. 

XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$340.00} XXXX XXXX  {$180.00} XXXX XXXX {$2200.00} XXXX XXXX {$2300.00} XXXX XXXX XXXXXXXX XXXX {$160.00} XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00}
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

Listed below are the Personal Information that are being challenged Incorrect XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXXXXXX XXXX XXXXXXXX Employer - XXXX EMP Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 Your agency is in breach of the law!

Under 15 U.S.C. 1681 Section 602 A, I am entitled to privacy. According to 15 U.S.C. 1681 Section 604 A ( 2 ), a consumer reporting agency is prohibited from providing an account without my explicit written permission. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) stipulates that no consumer reporting agency may include in a consumer report any negative information, other than criminal convictions, that predates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or should reasonably suspect that the information is inaccurate.
Product: Credit card or prepaid card

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XX/XX/2023.
Product: Credit reporting

I am a victim of identity theft. While incarcerated from XX/XX/XXXX to XX/XX/XXXX, someone stole my personal information and identity and applied and opened up the following unauthorized and fraudulent accounts in my name : XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX & # XXXX. I have attached supporting documentation for proof, I was incarcerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was open in XXXX of XXXX - I do not owe this debt as I was not a legal signer or co-signer of this auto loan. I did not have a valid Drivers licence or ID at that time even if I wanted to sign for it. Regardless of that the purchaser of the vehicle received documentation showing the repossessed vehicle was being sold at auction and he would be responsible for the remaining balance. The balance has not been reflected to show the purchased amount of the vehicle ( which cleared the {$2600.00} remaining amount that was owed on the vehicle that STILL shows on MY report ) - and was closed out XX/XX/XXXX which makes it over the legal amount of time this debt can be reported on my Credit report. It still shows on my Equifax credit report with a balance due, the wrong date opened, along with a whole slew of incorrect information which the XXXX XXXX nor XXXX XXXX has attempted to change or verify.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information on my credit report and they did not properly investigate. They all came back verified in less then 24 hours and they can not provide proof on how they verified.
Product: Credit card or prepaid card

Citi Cards, I.e. Citibank changed their policies and used their dominant market position to force their business customers to stop selling certain legal products protected by the 2nd amendment to the US Constitution. 

As a result I closed my credit account with them, but I feel I still have a right to redress as their market position is still being used as a weapon against legitimate businesss. 

As a taxpayer during the financial crisis my tax dollar underwrote their continued existence ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I notified Experian that there were inaccurate and/or erroneous items listed on my credit report. I received a computer generated response on XX/XX/2018 headed " Important Information ''. Moreover, the responds letter never answered my complaint or inquiry. 

I sent a second request on XX/XX/2018 restating my complaint or inquiry of the inaccurate and/or erroneous items. On XX/XX/2018 I received a response heading again " Important Information ''. In addition, to being nonresponsive to my complaint of inaccurate and/or erroneous items listed on my credit report. Experian mailed me a " dispute results '' letter stating all companies have responded and they have verified the accuracy plus they have updated their files. 

In retaliation for filing the complaint I've received numerous collection letters from collection agencies, stating they own the debt and are demanding the inaccurate or erroneous debt that I never had with them or whom they bought the debt from. I believe these retaliatory actions to be criminal and a direct threat to the laws as they are written for consumers called the Fair Credit Reporting Act. 

Experian has not done their due diligence with regards to my credit profile and it has cost me employment harm, financial harm and emotional stress.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I did a modification and my mortgage company said they assessed the home for XXXX and when I received my XXXX county tax assessor for my home my home was valued at XXXX and that is a big difference for what my mortgage company stated. I also reported that I had a drop in income and medical problems in which is causing financial distress and felt nothing was done about that problem. In addition, I felt that my loan mortgagor stated fraudulent reports about the value of my home to keep my mortgage payments up.
Product: Credit reporting, credit repair services, or other personal consumer reports

NELSON & KENNARD ( XXXX XXXX XXXX ) unlawfully and deliberately published my copyrighted name amongst court records and have unlawfully defamed my name without my consent. On or about XX/XX/XXXX, I sent out a Conditional acceptance claim for proof of claims. I also stated, each and every averment be answered with law and specificities of law. I was ignored. On or about XX/XX/XXXX, I sent out a default notice for failure to provide any information regarding my Conditional Acceptance contract XXXX. Nelson & Kennard ( XXXX XXXX XXXX ) ignored my lawful requests and decided to go ahead with suit filed by them to XXXX COUNTY COURTHOUSE case XXXX. Since an arbitration was set, all parties were notified, Arbitration occurred on XX/XX/XXXX. The Arbitration award in the amount of XXXX has been awarded to XXXX XXXX at XXXX XXXX XXXX  XXXX. XXXX WA. XXXX. I demand, my property ( credit ) be restored. There will be a XXXX dollar fee for the use of my copyrighted name starting XXXX XXXX. This will be legally binding on all parties.