23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received a Visa Platinum Card in the mail today. I did not apply for the card and there is no indication of an application number. Regardless, I did not apply for or want this or any card from First National Bank. A scan of the letter ( with card ) is attached ( XXXX XXXX - First National Bank.pdf ). It appears that XXXX XXXX XXXX XX/XX/2018 may be the source of the application.
Product: Credit reporting

I submitted an online dispute to Experian to address some discrepancies I found on my report. They responded on XXXX XXXX, 2015 with information to log-in to retrieve the results of their investigation within 4 days. I have been attempting to log in via the link they provided with my report number they provided and all I receive is a system error and a message to try again later. This has been an ongoing issue with Experian and the only option they have given me ( that I can tell ) for receiving my dispute results is via the online link.
Product: Debt collection

Plaza service called me on the phone in XXXX of XXXX wanting my personal information to verify a debt from XXXX XXXX XXXX XXXX. They stated XXXX XXXX hired them to collect the debt. I refused to give my personal information to them. A week later plaza services put the debt on my XXXX XXXX report for {$3600.00}. They never validated the date. I sent them a certified validation letter on XX/XX/XXXX asking them to validate the debt. In XX/XX/XXXX plaza services had a company to call me and threatened to file a judgement against me. I never received anything in writing from them. They only called me on the phone. XXXX XXXX XXXX  is also on my XXXX  report. If you look at what plaza service is reporting and XXXX is reporting the dates of when the account was opened do not match and when the last payment was made do not match. I have also been disputing this account for a while with XXXX  because I am a victim of identity theft. Plaza services did not list on the credit report that I have disputed the account with them as well. I hired a credit repair company XXXX XXXX to dispute the account. Ive never made a payment on the account. On the credit report it reads that the account was paid on but it was not by me. In the validated letter mailed to plaza service I asked them to provide what bank account was used because it definitely isnt my bank account. The account is from XXXX which is when I misplaced my social security card and driver license. I would like you to help me to get this account removed from my credit and stop plaza services from harassment/threatening me to file a judgement.
Product: Money transfer, virtual currency, or money service

I HAVE WIRED AMOUNT OF XXXX US DOLLARS TO A PERSON VIA MONEYGRAM FOR THE PURPOSE OF BUYING A LAPTOP FROM HIM. 
HE RECEIVED THE MONEY FROM THE MONEYGRAM, AND WHEN ASKED HIM TO SHIP ME THE LAPTOP, HE STARTED MANIPULATING ME AND DECEIVING BY ASKING FOR MORE MONEY. 

I REALISED THAT HE IS MAKING A FRAUD, SO I CONTACTED THE COMPANY ( MONEYGRAM ) AND ASKED THEM TO FILE A COMPLAINT, AGAINST THEIR CLIENT ( BLACKLIST HIM OR TRACE HIM OR TRACK HIS TRANSACTIONS OR RLAY THESE INFORMATIONS TO THE CONCERNED AUTHORITY ). 

I REALISED THAT THEY WILL NOT DO ANY SERIOUS ACTIONS TO HELP AUTHORITIES CATCH THESE POEPLE AND PROTECT INNOCENT POEPLE FROM BEING TRAPPED BY THEM BEING MANIPULATED AND LOSE THEIR MONEY.. 

I ALSO MADE A COMPLAIN IN THE FBI SECTION AND I WILL INFORM THE LOCAL STATE FEDERAL AGENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX a company by the name of " Bayview Solution LLC '' pulled my credit report without my  authorization. I have a hard inquiry on my report and they illegally obtained my credit file by stating that the purpose of their inquiry was " installment loan inquiry ''. I contacted the credit bureaus and Bayview Solutions LLC directly to place a complaint and ask them to remove this fraudulent inquiry from my report. They did not help and Bayview Solutions LLC customer service agent cursed at me and hung up the phone on me. They will not say why I have a hard inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX 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: Checking or savings account

I got a charge about my XXXX bucks service fee because I did not meet their minimum balance XXXX. But I deposit back over XXXX next 2 days. I called Bank of America representative on XX/XX/XXXX.  He promised me can waive XXXX bucks monthly service fee this time because this is my first time. I was waiting for couple days, but I did not see any fee refund. So I called another day to see what's happen on it. But their manager XXXX changed their story. She is very rude with her bad attitude to me. She said her employee said wrong to me. Then she declined my request. I think bank of America should honor their promise what they said. They can not play a trick with customer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to an inaccurate customer service in unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive. As they did not comply with error resolution requirements Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I see appropriate redress for these actions.
Product: Debt collection

Collection Associates has XXXX accounts open in my name. The most recent XXXX XXXX XXXX XXXX, I do owe. The prior XXXX accounts date around XXXX. They are from xrays and labs performed within my providers building. It is standard practice that you provide your insurance at the counter when you check in. Even according to the website of these services, they state they obtain the information from the hospital or doctor. The collection company will verify that I stated in every phone call that the company needed to properly submit the insurance. I had verified insurance, my other doctors from the same dates of service had done this just fine. By the time this was brought to my attention by the collection company, even if I had submit the insurance myself it would have been denied due to timely filing. The collection company has known I dispute this amount since everytime I have spoke with them, I explain the responsibility of the office and the issue. They have directed me to the providers, or even said " there is nothing we can do because that company is n't our client anymore ''. The providers say the account is in collections and there is nothing they can do. As a manager of a providers office, I know that you have a responsibility when you work with insurance or are in network with them. You also have these situations in your payment agreement. I have requested the collection company verify that the debt they are trying to collect on is collectable based on the agreement with the providers and myself. I also asked that they provide proof that they had actually obtained my insurance information as they state they do, since other providers submit these claims successfully. This has not been done. The collection company asked me to provide proof the claim was submit to my insurance or denied timely. I asked what that would show, and I was told it would show " I actually gave my information ''. I asked what proof they have when they go to the doctor that they gave them a copy of their card. The response was " well I actually do it. '' I am shocked at the level of irresponsibility and unprofessionalism. I was told initially there was nothing I could do but in my professional roles over the last few years I learned how wrong these practices are. Here is the link to the web site of XXXX of the providers I am referencing with their practices, where they even state they may have a delay and rely on the information of others, or they will contact you. By the time it was brought to my attention it was too late. I had previously thought it was processed, or being resubmit, since my other providers they get information from had no problem. XXXX
Product: Checking or savings account

Balances is not correct on my account causing Overdraft and fees, declined payments.
Product: Checking or savings account

I have been a customer of Citibank since 1997 when I became an attorney. I have a client trust account and a business account with a debit card. 
On or about XXXX XXXX, I was charged {$2300.00} by XXXX  for a mens jacket which was not placed by me and I never received it. 
After hours of staying on hold with XXXX, informing them this was fraudulent, XXXX finally agreed and intercepted the delivery, only later to then allow the fraudster to pick up the package from a XXXX. Since then I have spent over 40 hours on hold with Citibank ; made three visits to the bank and was told a case was opened. 
Last week I visited the bank again and was told nothing has happened to my case. 
Again I called the bank and after many transfers to various departments, was hung up on. 
I will attach the letter I received from Citi as well as my response and attachments to my response. We have also tried escalating with XXXX for 20+ hours and have been told Citi will handle it.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting ITEMS as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I sent Bank of America a letter XXXX XXXX, XXXX which I got from the Credit Card Agency stating that I have no money to pay and that I 've become totally & permanent XXXX. My XXXX income are totally used up covering my minimal expenses. I asked to close my account, cease and desist from all future attempts to collect on my balance. Do not attempt to contact me by phone and do not discuss or contact anyone regarding m account. I received a letter XXXX XXXX saying they 'll stop communicating and updated their records. Said collection calls & letters have been suspended as I requested. I sent in a complaint XXXX/XXXX/XXXX to submit a complaint about contacting the credit card and consumer reports. In their response they also said my card was still valid. Said credit was extended to me, and this constitutes an extension of credit under federal law and is governed by federal and applicable state law. I did go over my limit when I had to pay for gas. I did n't ask them to up it. I was paying minimal to get it paid off. The interest rates were going up slowly and slowly. Said I was a customer since XXXX. I 've been a customer since XXXX XXXX.
Product: Checking or savings account

I've encountered persistent denials in my attempts to open various accounts, spanning brokerage, checking, and savings accounts. The rejections are causing frustration, particularly because Wells Fargo has consistently canceled or closed my accounts based on an incident that occurred a few years ago. I want to emphasize that I have been wrongly accused in this matter, and it's crucial to rectify this situation promptly, as it's affecting my ability to establish and maintain financial accounts. I am actively working to address the underlying issues causing these denials and believe that resolving the misunderstanding regarding the Wells Fargo incident is a key step in finding a fair resolution to this ongoing problem
Product: Checking or savings account

Suddenly Chase decided to close my business bank account, without any notice.

I always paid my bills on time and had enough money on the account.

One day they just decided to close the account. All my recurring income streams were cut off, and no support from Chase.

After calling they would send me a cheque. Now 3 months later still no cheque, and they promised it 3 times in between, as I contacted them in between. Zero support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over a copy of my report and seen it contained address and accounts that I do not recognize. I am requesting that you promptly update and delete addresses that I never resided and may possibly be family members address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 
My current address is XXXX XXXX XXXX, XXXX, IL XXXX pleased delete the following address they are not mine : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX my current and ONLY NUMBER IS ( XXXX ) XXXX I have never even had the following phone numbers please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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: Credit card or prepaid card

I closed card XX/XX/XXXX. Chase continues to place a charge on the account, which I dispute, which they issue a refund for. This has happened at least four times. When I last called, I was transferred 8 times and spent 90 minutes on the phone. I am being told it is an internal problem and I would receive a call back within 3 days. That was XX/XX/XXXX. I've requested, and been told the charges would not go through again but they continue. A dispute for this same problem was filed on XX/XX/XXXX, claim # XXXX. I want the last charge removed and the card permanently closed.
Product: Credit card or prepaid card

Company discharged debt ( per 1099C dated XX/XX/2017 and their letter dated XX/XX/2017 ) and provided a 1099C for the 2017 tax year. With these 2 actions, the debt is no longer owed to the creditor. 

The creditor reported to the IRS that it has cancelled the debt, thus creating taxable income to the consumer. By definition of the tax form itself, the 1099-C says : Cancelation of Debt. As the consumer I can not be forced to both pay a debt and show the debt as income. The debt can not be considered both cancelled/discharged and still due. 

This account should have a XXXX balance and no reported history after XX/XX/2017. Any negligence in failing to correct the discrepancy or continuing to report both a balance due and negative payment history will be construed as failure to comply with the FCRA and tax fraud. Combined with the letter provided and the 1099C this is sustained proof that the creditor has CANCELLED the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a fraudulent XXXX XXXX open in my name. I have Disputed this multiple times as well as File a complaint with the police department and I also submitted a FTC to the credit bureaus XXXX  & Transunion. XXXX  has removed the account but XXXX  & transunion have not.
Product: Bank account or service

On the same day debits were presented for payment a deposit for double that amount was made ; but somehow TD Bank believes it is justified to charge my account XXXX on my business account and another {$270.00} on my bank account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts. According to the Fair Credit Reporting Act, 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. These accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , are fraudulent. Also, according to 15 USC 1681s-2, 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 DID NOT AUTHORIZE THIS ACCOUNT.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

This company security finance is reporting this as a charge off, I explained this is not my account yet thru never sent out a 1099 -c form regarding this debt its showing as a tax write off for this company this company has committed fraud they have written this debt off and its being reported as a charge off but yet they are telling me I still owe them on my credit report
Product: Checking or savings account

On XX/XX/2020, I reported fraudulent activity on my Bank of America checking account by a scammer. I was assured I would receive a refund in 45 days. Now it has been nearly 2.5 months and still no refund! I have spent time and money in faxing and mailing documents to B of A no avail! This caused me to run short of money for my family in this Covid-19 pandemic-during Christmas-with a bank that refused to rectify this problem!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion instructed me if a letter of deletion could not be provided to include FTC report to remove unauthorized hard inquiries per FCRA XXXX XXXX  and XXXX stated they dont responded to inquiry notification from TransUnion XXXX
Product: Credit card or prepaid card

Goldman Sachs Bank , U.S.A. has erroneously accessed an interest charge to my account and has given me the run around in removing.it from my current account balance. I have called multiple times to no avail. I have also initiated a dispute of this charge via chat, to no avail. It is a clear error if you review the credit card statements which state on the upper left side of the statement ( underneath the monthly balance ) that " If you pay your monthly balance in full every month, you will avoid being charged interest ''. My monthly balance due in XX/XX/XXXX was {$1000.00}. That amount was OVERPAID ( in full ) by the due date XX/XX/XXXX as I submitted a payment in the amount of {$1100.00}, yet I was still charged {$15.00} in interest on XX/XX/XXXX at XXXX ET. Payment was processed and payment confirmation email was rec 'd ( by me ) at XXXX ET. 

The representative via chat quoted the above was as a result of " trailing interest ''. However, that does NOT apply in this instance as for XXXX ) I was not accessed ANY interest on this card in the ENTIRE Year XXXX ( see page XXXX of XXXX of the XX/XX/XXXX statement which shows interest paid in the Year XXXX = {$0.00} ) and XXXX ) I paid the XXXX XXXX monthly balance of {$1500.00} in FULL by XX/XX/XXXX ( I was also still accessed an interest charge for XX/XX/XXXX, but the cc issuer ( Goldman Sachs XXXX has since credited that amount back to my account. 

The remaining amount of {$930.00} owed on this account was sent & processed on XX/XX/XXXX. The correct, current monthly balance should be + {$1.00} and needs to be adjusted accordingly and expediently. 

Attached are copies of all impacted statements along w/ a full account summary, in table format, which outlines ALL transactions, remaining balances, payments, etc.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Ive tried calling these places and downloading my report, to see if the information is accurate, they are not willing to do this because I cant verify all the information. 
Like the XXXX XXXX XXXX XXXX I tried calling to get the profile so I can verify if it was me or not, and I know it wasnt, they couldnt access the account. If XXXX  is not able to verify me and send me the profile, how can they accurately put this collection on my report. I dont think a proper investigation was done and is therefore for inaccurate. I am victim of identity theft, my information was exposed through a data breach with experian and Im sure that these accounts on my credit report are products of the data breach. The Fair Credit Reporting Act ( FCRA ) sets guidelines for how credit bureaus must handle consumer credit information. Experian has failed to follow the guidelines.