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

XXXX XXXX has lost and refuses to find {$940.00} missing from my XXXX. I made personal payroll contributions and my employer ( XXXX ) made contributions to my XXXX on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. My payroll contribution on each of the previous dates was {$110.00}, and XXXX ' contribution was {$19.00} on each of the previous dates. 

When I call XXXX XXXX ( and XXXX, who administered XXXX benefits for XXXX on the given dates ), representatives dismiss my complaints. The last two XXXX XXXX phone representatives I spoke with today, XXXX and her manager XXXX, were angry, argumentative, and rude. XXXX told me that XXXX ( my employer ) closed my XXXX with XXXX XXXX on XX/XX/20. This is false. I *did* transfer assets to XXXX on this date, but never requested my account to be closed, knowing full well that future payroll deductions would still be sent to XXXX XXXX XXXX Starting on XX/XX/20, XXXX changed to a different XXXX provider - XXXX - and my payroll deductions along with employer XXXX contributions were then sent directly to XXXX, BUT NOT BEFORE THAT DATE. 

Furthermore, when my XXXX XXXX XXXX  was closed on XX/XX/20, I was charged a {$25.00} account closing fee, despite the fact that I never requested for my account to be closed. I only ever requested that assets be transferred from XXXX XXXX to XXXX ( and that certain assets from my XXXX  investments be liquidated so that they could be transferred to XXXX as cash ). 

No one at XXXX XXXX ( or XXXX ) seems to know what they are doing, how to help, or to be willing to do anything except to argue with me.
Product: Checking or savings account

Around XXXX of XXXX  my information was stolen & my account was fraudulently accessed & funds were dispersed into the account & removed. I notified TD bank immediately within 2 business days of this fraudulent activity. I came in person to the XXXX, NJ branch to report this activity. They reported the activity, and also confirmed that it was not my signature on the check. I called for months seeking updates on this matter, however I was told to keep waiting. I recently got a letter stating that they sent the debt to collections which was around {$4000.00}. The debt collector is XXXX XXXX XXXX. TD still has failed to properly investigate the matter.
Product: Credit card or prepaid card

On XX/XX/23, used the way2go card app to locate ATM. Per cardholder agreement with state, there are no-fee withdrawal at XXXX ATMs XXXX Locator showed ATM inside the XXXX store that has also been used on XXXX other occasions with same card. After withdrawal of unemployment funds, see fee for XXXX cents. I contact the customer service number advise charged when shouldn't be and referenced the cardholder agreement and app locator. Told they would reverse fee. Now in XXXX week still not fixed and now unable to access funds as their network of ATMs has min withdrawal of {$20.00} however fee leaves balance as XXXX. Call customer service again told nothing they can do its pending. When asked how supposed to access my funds when they are in violation of cardholder agreement, get told can always use teller, for which there is am additional fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have collection account that are still showing on my XXXX report that have been deleted from other reporting bureaus. These accounts were deleted by using a third party agency and XXXX has yet to delete account from my credit reports. The 4 accounts could not be verified or validated. I would like XXXX to do as the other bureaus have and update my Credit report to reflect NO collection accounts. One account ( IC systems in the amount of XXXX ) on consumer report exceeded the 30 day to validate debt by accordance to FRCA requirements and is in violation but has failed to delete account. I am also submitting a complaint to the XXXX against XXXX and IC Systems for violation of FCRA.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Experian, XXXX, Experian are reporting in accurate information. The dates are wrong and amounts are inaccurate I request all three bureaus to furnish proof of XXXX if these accounts are certified.
Product: Bank account or service

I have had {$4000.00} in direct deposits on my account this week. 
XXXX XXXX XXXX XXXX My account has a hold on it for XXXX for a check I deposited XX/XX/XXXX. I filed a complaint regarding their banking error. A rep from USAA called me on XX/XX/2016 informed me that they do not accept XXXX party checks, the check would likely be returned back to the issuing bank and another XXXX would be taken from account. My complaint was the same, I never received a deposit of XXXX for this check a second time. I told the person i 'll let it be worked out with with my cfpb complaint. 
they have now put a fraud alert on my account. I can not access my funds to my account at all. I can not use my debit card, I can not pay my bills, I can not go into a bank to withdraw funds, I can not transfer money to another account I can not have the bank wire me money. I feel they have done this in retaliation to my complaint. there was no fraud on my account, the check I deposited belongs to my sister, that lives with me who lost her id. she endorsed the check and I endorsed it and deposited it. the check has not been reported as stolen or anything by the issuing bank. 
I have a mortgage to pay. I have a light bill to pay. if they reverse this deposit-i never received a XXXX time I still have XXXX in my account. If they fix their error I have XXXX in my account. either way I have money available to pay my light bill but they wo n't allow me to do so. so my lights are going to be cut off. I also have travel for work on sunday and no access to my funds to pay for a required business trip.
Product: Credit reporting or other personal consumer reports

I've had my identity stolen in the past and unauthorized use of my information even while spelling my name incorrectly. There are inquiries that I am not familiar with.
Product: Checking or savings account

On XX/XX/year> I received a substantial deposit into my NetSpend account, within XXXX hour, the said deposited funds was frozen, my account disabled, and my debit card no longer works. The deposit come from XXXX XXXX  from that was paid to XXXX by the Internal Revenue Service from my income tax return. Netspend said " that they needed to verify my identity. '' I've already I've had deposit ( s ) prior no problems ( {$690.00} from the State of Ohio Income Tax division ). I have responded accordingly to their demands through emails that they requested, of the documents they requested, including a letter from the INTERNAL REVENUE SERVICE for crystal clear verification. I was emailed back and NetSpend said " that the ID and/or documents was not good enough or they couldn't read them '' I have attached said emails and doc that XXXX sent, again crystal clear, and I went above and beyond their demands also I included ( for identity proof ) this year 's income tax return, w2s, last year 's income tax return, utility bill, id, birth certificate. now I have to resubmit everything again and it has been almost a week. my money has been held XXXX. I've spent over XXXX and XXXX hours on hold calling NetSpend at their request ; And each time that I finally got through, magically our calls got disconnected. Just seems to me that they would do this process prior before opening an account considering ( they did ) now do it again after someone receives a considerable deposit?
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports and I found items that do not belong to me. I requested proof of the account and did not receive a response from the credit bureaus. I also asked for a change of address and that was not done. I also did not receive notice 5 days prior to these accounts being placed on my credit report. According to the FTC and TCRA, I am supposed to receive a notification and I have not received a notification.
Product: Mortgage

On XX/XX/XXXX we started our loan process with the processor and underwriter through XXXX XXXX XXXX. The processor contacted us requesting documentation for the first initial credit approval. After reviewing the documented requested by the underwriter. We noticed that he or she was requesting documentation that had nothing to do with the purchase of the property. We tired to review it with the processor, explaining that they should be going by the XXXX declaration questions asking if there were any judgement against us and the answer by the processor was no, there were no judgements against us. They asked for a divorce degree from my husbands previous marriage, that asked for a last from HR for me stating that I went on XXXX XXXX and also proof that they house that I sold back in XX/XX/XXXX was not a short sale or foreclosure. When I spoke with the processor over the phone she told me that when they pulled the reports that the divorce degree did n't show any judgements and that the house did not show as a short sale or foreclosure but they still requested a settlement document or HUD showing proof of this. Then after I questioned the sale of the home in XX/XX/XXXX the processor then proceeded to ask why I resold the house in XX/XX/XXXX, which I had already sold in XX/XX/XXXX. On top of that they have requested all petitions that were included in the bankruptcy, which was only filed by my husband before we were even married, because they wanted proof that the house which was solely in my name was not in my husbands name and on that bankruptcy. We fill that that are over conditioning the whole process. We are filling that they are discriminating against us because my husband is XXXX. My husband works in the mortgage industry and he consulted an FHA underwriter to make sure if what they were asking was normal. The answer by that underwriter was NO, it was not normal and they have no business to ask you for your divorce degree and or a settlement for a property that was not my husbands. Especially because they did n't find a any judgment or leans against us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding XXXX XXXX XXXXXXXX. XXXX still shows 30 day late payment in XX/XX/XXXX. 
The payment was made via phone via auto bank account withdrawal. 
i personally called XXXX  via their XXXX XXXX # and made the payment via phone as i did every time. 
I had this credit card since XXXX and made every single payment on time for 12 years. 
i requested my phone XXXX and XX/XX/XXXX records from 6 years ago and they clearly show the XXXX XXXX # called timely. I do not why the payment did not go through is it that impossible to believe a computer error occurred.. i made timely payment for 12 years. 
This late payment is the only negative mark on my credit. 
I have sent XXXX he phone records. and even called multi times in vain. 
Instead of asking courteously and providing back up evidence, I should ask my 10 year nephew how to post on XXXX of my experience and how XXXX really treats the customers and let millions of person truly know how they treat hard working honest citizens.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a inorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

My Identity was included in the XXXX XXXX XXXX. in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my report, I discovered several unauthorized inquiries that are damaging my credit standing and could significantly harm my financial reputation. 
I have already reported these fraudulent inquiries to the Federal Trade Commission ( FTC ) and have enclosed a copy of the report for your reference. Despite this, these inquiries are still being reported by your bureau, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand that these inquiries be removed immediately. 

I kindly request that you conduct a thorough investigation into these fraudulent inquiries and take the necessary steps to remove them from my credit report. Additionally, I ask for written confirmation once these inquiries have been removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, So I applied for an XXXX card around XXXX of this year. My account with Chase was put on hold for review. I got a call and answered some security questions, they told me that I was going to get another call in the next 24 hours. Never got the call. Called several times after to get my account cleared, stayed on hold for over an hour many times. On three different occasions I was told by Chase representatives that I successfully completed the identity verification but they could not unlock my account, so I was supposed to get another call in the next 24 hours. They put all my accounts on hold, but that is not all. I also have a British Airways Visa card from Chase, I had put a few bill payments on it a couple months before this happened and I paid it in full. About two months ago I received an email from my bill payment service that I had disputed a few transactions, which I never did and I told them that. Long story short, my payment provider lost the claim and we lost over {$3000.00}. I called Chase several times but they do not want to speak, hold times for the fraud department are really long, when you do get a hold of someone they can not help. I do not care if I kept the accounts with Chase, but they crossed the line. They disputed a transaction on my behalf without my consent, right now I have to pay my payment provider over {$3100.00} for something that Chase stole from me. Please help me.
Product: Mortgage

This is with regards to an existing CFPB case # XXXX. As instructed by Citibank, I requested my lender, XXXX to pull a new credit report after XX/XX/XXXX. A new credit report was pulled on XX/XX/XXXX and does now reflect the correct report date of XX/XX/XXXX. However, the reporting credit bureau ( XXXX ) is is reporting a Code of " XXXX '' and my lender is not able to approve my loan through their automated underwriting system. According to XXXX XXXX, the 3rd party credit reporting company, XXXX is the only Bureau that would report this as an " XXXX ''. The other XXXX bureau 's would report as an " XXXX '', however, for reasons that could be explained neither XXXX nor XXXX are reporting this account. I have attached a copy of the credit bureau reporting codes. My account was approved and settled for less than the full balance and was not a charge off or collection.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of fraudulent accounts and inquiries from my credit report under the guidance provided by the Consumer Financial Protection Bureau ( CFPB ). I am a victim of XXXX XXXX specifically XXXX XXXX, which is recognized under the XXXX XXXX Rule 1002.142 ( b ) ( 4 ) -5 through 1002.142 ( b ) ( 7 ). As per section 605C of the Fair Credit Reporting Act, I kindly ask that you block and delete the following accounts and associated inquiries from my credit report within four ( 4 ) business days. These accounts and inquiries were not initiated by me and have resulted in fraudulent collections appearing on my consumer FICO credit report. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX These accounts and inquiries were not opened, made, or initiated by me, and I do not recognize them as my own. I am requesting that you take immediate action to remove, block, and delete these fraudulent accounts and inquiries from my credit report. Please consider this letter as my formal dispute of the listed accounts and inquiries. I have attached a letter from an advocacy group assisting me as a XXXX XXXX XXXX to support my claim. Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In 2019, I notified my apartment complex that I was vacating the apartment. I received a short term lease as a result. As well as being in constant communication in person and via email regarding the exact date in advance according to Washington state laws I would vacate the apartment therefore needed a checkout walkthrough. I received an alert in 2019 that a collection was placed on my credit report, called and emailed the company with no results. The apartment complex threatened a lawsuit for extra days and a few months as intimidation instead. I sent them and the credit bureaus supporting documentation and it had a status of resolved. I have now been notified that they've updated the disputed information with a higher amount for these charges. They are aware I don't owe anything. They are aware that it is affecting my credit scores. This is highly deceptive practices to update my credit reports years later. I am assuming in hopes that I don't have any documentation to support my claim is the reason for the new update. My access to my leases had a specific timeframe that would also allow me to access the communication between the leasing office as well. This update is happening now that the access has expired. Based on recent reviews on XXXX XXXX XXXX and other websites, this seems to be their standard deceptive practice to file collections for amount ranging around {$3000.00} upon move out. They did a walkthrough after I had left because they stated they were unavailable up until my last date to vacate even though I had moved days before to allow them time to review the apartment. I was told I owe for some carpet due to pet damage otherwise didn't owe anything.