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

I wish to add to my complaint # XXXX, to which the bank answered it will research it and get back to me within 10 days. Which it did. So now begins my new compaint : 1. The bank 's new answer was they were going on with their research. This time, there was no deadline mentioned. Meaning they could research as long as they saw fit, while I have no access to my funds in these Corona days. 
2. About the transfer order I faxed the bank and they refused to execute ( see original complaint ) - since they have my signature, what's there to research? 
3. About not ID-ing me online - there are ways to ID a customer who's overseas. Here too there's no reason for indefinite " research ''. 
4. I suggested the bank write me at the adress they have on file and detail their problem. It never happened. 
5. Remembering this is the bank that opened XXXX XXXX ( or was it XXXX? ) unauthorized accounts, I hope we all wouldn't wake up one morning finding out there are millions of bank customers in my situation, their funds frozen.
Product: Credit reporting or other personal consumer reports

Since XXXX I have been experiencing unresolved issues with TransUnion. I believe XXXX of the pertinent reasons that my issues with TransUnion has gone unresolved, is due to the fact that TransUnion 's customer service agents and supervisors are all across seas in other countries besides the United States. They speak broken XXXX, therefore, they lack some of the basic XXXX comprehension. It has been made obvious to me, that TransUnion values retaining profits by hiring cheap labor across seas opposed to solving consumer concerns and issues pertaining to the consumers credit file and consumer report, as required by law. I have been unable to manage my credit freeze online, monitor my credit or generate a credit report online for the past at least 3 years. I have reported this in writing, to TransUnion more times than I can count. I am a victim of identity theft. By law, I am " supposed '' to be allowed to receive multiple consumer reports per year ; however, TransUnion has failed to give me access to at least one per year since XXXX even when I have called to request one be mailed to me. I have spoken to numerous TransUnion supervisors regarding the matter. Also, I discovered back in XXXX that TransUnion had another individuals social security number and personal information attached to my consumer file and report. I was asked by TransUnion to mail in documents to prove my identity, etc, then the other individuals social security number and contact information would be removed. I have mailed the information in on multiple occasions, certified mail. I was notified back in XXXX that the information had been removed ; however, I recently learned that the other person 's social security number and contact information is till attached to my consumer file. I spoke with a supervisor whom requested AGAIN, that TransUnion " support '' remove the information after she discovered and deleted multiple online TransUnion accounts setup that were somehow linked to my information. Instead of the TransUnion support department doing as instructed by the supervisor whom provided support with a copy of my drivers license and ss card, TransUnion support suppressed my consumer report. As previously stated, this has been an ongoing unresolved issue with TransUnion for at least three years now. I have three years worth certified mail receipt proofs, FTC identity theft reports and letters to support my case. TransUnion has not only broken the law, but this has also cost me time, money, and the lack to obtain credit via my TransUnion consumer report. I recently mailed TransUnion another letter with tracking, requesting that the suppression be removed and the issues be resolved immediately as they should have been.
Product: Credit reporting or other personal consumer reports

Writing To address an issue regarding my rental history with XXXX XXXX. Upon reviewing the records, I have noticed discrepancies that need immediate attention. 

The rental history report indicates that there is an outstanding balance, along with a write-off, which is causing confusion on my end. I would like to clarify that any outstanding balance mentioned is related to a claim that was included in my bankruptcy proceedings. As such, it should not be reflected negatively on my rental history.
Product: Credit card or prepaid card

On XX/XX/2021, I logged into my XXXX account at United Airlines and opened a link at their site to apply for a new United XXXX XXXX Personal credit card. The credit card I chose was the United XXXX Card offering XXXX XXXX miles after {$2000.00} on purchases in the first 3 months. I was approved for this card, received the credit card on XX/XX/2021 and completed {$2000.00} purchases on XX/XX/2021. I paid the statement balance {$2000.00} in full on XXXX XXXX. 
On XX/XX/2021 I called XXXX United Customer Service and spoke with a person named XXXX and asked why I had not received my XXXX United miles. She told me that I had made a mistake and did not apply for the correct credit card, She said I applied for XXXX miles after spending {$3000.00} in the first 3 months. At no time was I informed that I had received a different card than what I had applied for. 
I received a letter dated XX/XX/2021 from Chase Cardmember Service again stating that I had applied for the XXXX miles, {$3000.00} in the first 3 months and that I failed to spend the {$3000.00} first 3 months and there was nothing they could do. 
On XXXX XXXX I received a call from a lady named XXXX who said she worked for Chase and they would be in touch regarding my request to giving me the XXXX miles. 
On XX/XX/2021, I again wrote a letter to Chase Cardmember Service stating that as of this date I have not received any reply from Chase and would they please contact me to solve this problem. 
When my XXXX XXXX United credit card statement arrived I noticed that they had posted XXXX Enrollment Bonus miles to my account. 
As of today, XX/XX/2021 I have never had any contact from Chase, nor have I received the XXXX miles as per their credit card offer that I applied for,
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have had problems with my account for a while now that included overdraft fees, account fees, ect. I have had to close an account and open another one be cause of fraud and bank fees. I like to be compensated as a loyal and long time customer of Well Fargo.
Product: Debt collection

On about XX/XX/XXXX I received a document in my mailbox. It was from a debt collection agency, Frontline Asset Strategies. It stated I owed them {$810.00} a XXXX  debt in my name. I disputed the debt and checked the box, and asked for a verification letter. I also included a letter explaining I had my bank statements going back to XXXX, showing all my monthly phone payments. And letting them know I have been with my current cell phone provider for over 7 years. I never heard anything back from them, they never sent the verification letter... nothing! 
Then shortly afterward ( around 5 days ) another debt collector showed up on my credit report. Their name is XXXX XXXX XXXX, and they never sent me anything. Now they, XXXX XXXX XXXX, are all over my credit report. I think they are in some sort of partnership with each other. All I can say is these two debt collectors have made my life miserable, just because they could. I have spent many hours trying to figure out what to do. Shouldn't they have to provide at least some sort of proof? I can not imagine how I ended up in this situation. Thank you for taking the time to read this.
Product: Prepaid card

They told me all they cab say is keep trying it until u fond a store that will accept your gift card
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. As I stated, I have already given your company quite enough time to investigate the items in question, but I am willing to give you one more chance. If I do not receive results of your investigation within 15 days of receipt of this letter, I will be forced to file suit against your company. I will also be contacting the XXXX XXXX XXXX and the Federal Trade Commission.
Product: Credit reporting, credit repair services, 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 report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is 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 XXXX, XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX , MS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$53000.00}, XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information 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: 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 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

Capital One Issues Outline 1 ) On XX/XX/2020, a transaction was made on my credit card for {$200.00} at an ATM in XXXX XXXX at XXXX XXXX. This transaction was fraudulent and not made by me or anyone associated with me. 
2 ) On XX/XX/2020, a credit in the amount of {$1500.00} was applied to my credit card account. This transaction was fraudulent and not made by me or anyone associated with me. The source of the funds was from Valley National Bank where I have never had an account. 
3 ) On XX/XX/2020, I reported both of these transactions to Capital One, cancelled my card and changed my user ID and password. They also sent me a new card. 
4 ) On XX/XX/2020, Capital One reversed both transactions and indicated that the debit would be investigated with the fraud department. 
5 ) On XX/XX/2020, Capital One mailed me a letter that the fraud investigation was complete and that there was no evidence of fraud. When I called for an explanation, the representative said that it had to be me because it was from the chip on my card. 
6 ) In the time after this, I followed up with XXXX XXXX to see what needed to be done to get the evidence from the ATM ( both physical and visual ) and they indicated I needed to file a police report. After checking with the local authorities as to proper process, I filed a report with the XXXX Police on XX/XX/2020. After many follow up emails and calls, it seemed like the process for getting a subpoena was finally started around XX/XX/XXXX. 
7 ) On XX/XX/XXXX, Capital notified me by email that a payment of {$1500.00} had been returned and directly correlated it the same transaction of XX/XX/XXXX earlier in the year. They debited my credit card for that amount, which put it over the limit. I called Capital One to let them know that this occurred and after having gone through multiple representatives, I finally got them to understand that someone in their back office had made a mistake. 
8 ) The repercussions of this was that I then received 3 letters from Capital One on XX/XX/XXXX letting me know that this account, another personal account and one business account were being closed due to this last payment being returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've spoken with Experian Credit Bureau on a number occasion regarding their reporting practices regarding information should have been deleted or incorrect there response they get their information directly from the creditor. I contact creditor directly and they state something differently. One example is XXXX XXXX who deleted an inquiry from my XXXX XXXX and XXXX  credit reports. So why is Experian showing a inquiry after XXXX XXXX submit paperwork informing them they were removing the inquiry. Why is Experian credit report showing also most two months difference in reporting on my report Why is there XXXX point difference on my XXXX  credit and XXXX point difference on my XXXX report?
Product: Prepaid card

I had a bank of America prepaid debit card issued by the state of Az for pandemic unemployment assistance. I filed a complaint under case number XXXX which in fact is not resolved but bofa has since sent unrelated correspondence to me in regards to my complaint. The bank is circumventing the issue and covering up my issue of the multiple double charges that I have proof of. The original compliant was filed on XX/XX/2023. Nothing has been done to resolve the problem. I want my statements.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX XXXX Balance Owed : {$740.00} XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXXXXXX XXXX Balance Owed : {$830.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$44.00} XXXX XXXX XXXX Balance Owed : {$16.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged XXXX XXXX, no later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX I am sending these dispute letters to you to solve my existing issues in the credit reports. Here no other company or person sending out my letters to you. I am personally sending these letters. I became a victim of Identity Theft on ( XXXX, 2023 ) and after that these accounts were added to my credit report which were never opened by me. My personal information may have been stolen through any online platform. I have no idea who was behind this crime. That's why I filed a police report. But now it has been a serious situation for me. That's why I want to remove these accounts ASAP. As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.PLEASE NOTE THAT I DO NOT AUTHORIZE YOU TO PUT A FRAUD ALERT ON MY CREDIT REPORT WITHOUT MY CONSENT.Please investigate these matters and remove the disputed items as soon as possible.ACCOUNTS I WANT TO REMOVE:1. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXXThe name of the documents I am attaching here for your better judgment:1.FTC report 2.FCRA 605B, 3.My ID and Social Security copy 4.A notarized letter which proves I am personally sending my letters and complaints.5 Police Report
Product: Debt collection

I am filing this dispute against XXXX XXXX. I opened a credit card with them and they closed it before I could pay the final amount of {$120.00}. I have made multiple attempts both in person at the location I opened the account and over the phone to work with their customer service department about paying off this debt, and have been told over and over again that my account doesn't exist and they have no history of the the credit card account so they can not resolve the issue. 

XXXX XXXX made it extremely difficult to make payments on the credit card throughout the entirety of the card being open. They barred us from paying the card online or over the phone and forced us to come in person to make payments the exact day the payment was due or they would add a late fees. 

The last billing statement I have from them is from XX/XX/2019. I have been trying to resolve this issue ever since. I do not have a full account number for the credit card but I can provide the last 4 digits, a copy of the bill, as well as any other information needed to access the account and pay this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$3800.00} unauthorized account reporting to my credit report XXXX XXXX {$3400.00} unauthorized account reporting to my credit report XXXX XXXX XXXX {$530.00} unauthorized account reporting to my credit report.
Product: Checking or savings account

Bank Of America tried to pay off my credit card which had a greater balance then the debit account I use with them causing me to have a negative account balance and overdraft fee. I have called them multiple times and each time they say they will reverse the transaction and fee but they don't.
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts XXXX accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'm a Citi bank credit card holder for many years. On XX/XX/2021, I received the invitation to apply for the Citi gold checking account through Citi bank online banking. Since I just sold my house, so I decided to open the Citi gold and deposit XXXX. 
I received the debit card after a week, I went to a Citi bank branch to make a deposit. The teller told me my account was closed and I would receive a letter later. 
I finally got the letter today, the only thing mentioned in the letter is : Based on your previous Citibank application/or Citibank account activity, we are unable to approve any current or future applications. I call the number on the letter since I want to figure out what is my previous activity lead to the close of my account. I call the New Account Serving, they transferred me to the fraud department, and the fraud department transferred me to another department. I spent one hour and I had been transferred 4 times. Nobody would like to help me out. I'm so disappointed with Citi Bank Customer Service. 
I have 5 Citi bank credit cards for many years, and they sent me the invitation to apply the Citi gold checking through my online bank, the turnout is they shut down the new checking account for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing inaccuracies on my personal credit report via mail and phone. I have not been responded to. Anytime I reach out via phone, Im asked to identify myself but given very vague questions, not multiple choice, and fail the identity verification. Ive sent in my ID and social security card. I spoke with XXXX at Equifax agent ID is XXXX, whom I asked for help but was unwilling to assist, XXXX also could not assist me. No other manager was available. I have tried to access and dispute this information without success from Equifax. 

I have asked how do I know that the agent is typing the correct answers I give into the computer correctly? Its very hard to understand them in XXXX. This has been a complete disregard for assistance in correcting my personal information.