23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Hey I received my taxes income check on XX/XX/22. And I also tried to cash it at Regions banks the same day. I gave it to one of the bank tellers XXXX. And she verified my check by going on the website that is on the check. But she wouldn't cash it and never gave me an explanation and was rude when I asked why. But since Regions already verified the check and the 1 time code was already sent out Now I can't cash my check anywhere because the one time code was used by Regions to verify it. If you can please respond quickly I would appreciate it this is going to cause a lot of pain and suffering for my family if I don't get my tax income check.
Product: Money transfer, virtual currency, or money service

I sent a certified notice to Foursight capital requesting transaction documents that were not disclosed to me when the deal took place, when I called about the notice and asked the questions all over again, wanting them to prove their position they refused and now they are trying to take my vehicle which is how I get to work
Product: Credit card

I have submitted a complaint against Citibank for an identity theft a few years ago. The bank has done nothing at all, but the cost to me is about {$40000.00} now. I am sure that XXXX rules were violated by the bank and have written this to them on this website, but I have no response. What more should I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a free subscription to XXXX XXXX as part of the XXXX   breach. I get the emails, so I know I have an account. However, when trying to login to view the account, it does not recognize any username/password. When checking " dont remember username/password '' it requires that I submit social security and name. I do this, and it returns back to the same screen. Each time. I have looked for any contact information on the site and there is none. Frankly, this makes me more nervous than the actual breach. This company knows everything about me, and I can't get in touch with them.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX  ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consuner information to the best of their ability with Maximum Accuracy. 

I contacted XXXX, XXXX, Transunion and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 



contacted XXXX, XXXX, Transunion and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Agt. and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Comenity Bank/XXXX  Visa The Account Opened is Comenity Bank/XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Student loan

need help with my XXXX XXXX / Navient loans please help constant harassing me company will not give me balance.
Product: Money transfer, virtual currency, or money service

I have saving, checking, equity line of credit ( LOC ), and mortgage accounts with Bank of America. 

On XX/XX/2020, I want to pay off the balance on my LOC account and transferred {$140000.00} ( the balance at the time - see the 1st attached file ) from my saving account to my LOC account. Both accounts are in BoA. After the fund transfer is done, I can see the amount of fund was taken out from my saving account, but not fund was transferred into my LOC account. I though it was on-line banking delay. After two days, the fund was still not showed up in my LOC account. I called BoA customer service and I was told it would take 5-7 business day to process it. 

However, the LOC balance remained the same after two week passed. I tried to get help from BoA customer service, I was on-line for hours and transferred from one department to another, equity line of credit dept, on line service dept, customer protection dept, etc. Unfortunately, none of them could provide me a real help. Then, I have to visit my local branch and asked for help from the branch managers XXXX and XXXX. They have to call the back end office to help. Of course, we spent hours there to wait the service lines in the branch. 

First, XXXX helped us to create a case to locate the missing fund. After another two weeks, the fund was located and added into my LOC. However, the fund was not applied to my account ( dated on XX/XX/2020 see the 2nd attached file ) and the balance remains the same. I am not sure why the fund was located and not applied to my LOC account. 

I have to visit the branch again and create another case to request applying the fund to my LOC account. It is XX/XX/2020 today and the transferred fund is still not applied to my LOC account. I have to visit the local branch every week to find out the progress on handling my case because I did not receive any email or phone call to inform me the progress. 

So far, I have visited the local branch 4 times and called the customer service 3 times on this problem. I spent so may hours and efforts for such unexpected transfer results. 
Now, there are total 6 weeks passed and the fund transfer problem is still not resolved. For the meantime, my checking account was still charged with the interest plus principle.
Product: Debt collection

On XX/XX/XXXX a credit card was opened in my name from my phone, I did not open this account nor was it authorized to be open. My wallet came up missing a few times but always came up my truck window was broke around that time I forget being a soccer dad a lot of moving parts leave my wallet on the seat a few times. I think someone stole my information because I had no cash either time but my social and driver license. I had no knowledge of the until recently I joined XXXX XXXX. For over two decades my brother has use my name his aka is me. Please help with this manner I have had a lot of fraud on my account over the years. Also on XX/XX/XXXX fraudulent charges occurred from XXXX. On the date this card was open from my phone there were many people over at where I live visiting friends and family many people used my phone all my personal info has been compromised etc. People have stolen my money wallet phone etc. over the years. I have XXXX XXXX. and XXXX   from all the abuse. I have been XXXX twice from him using my name and stealing my identity mailing court paperwork to his home address. I have given you possibilities please help me with this manner this is not my account. My information has been out there for a while. I disputed with all agencies and then XXXX deleted it but then it came back as a collection. Didn't understand that? 

Sincerely
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accountings XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my right. 15USC 1681 Section 602 States that I have right to privacy. 15USC 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 15USC 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.

This letter is a dispute of the completeness and/or accuracy of an item of information contained in the consumer file that you maintain about me, pursuant to the provisions of 15 U.S.C. 1681i. The item of information below that you maintain in a consumer file about me and report is inaccurate and/or incomplete and I request that you promptly delete the late payments from the file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681g ( a ), I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ). I have enclosed proof of my identity and current mailing address. Please be advised, this dispute letter contains sufficient information for you to legally act on it. Any delay tactics or needless requests for information will not avoid your legal obligations to me. If you fail to comply, I will seek damages, costs, and attorneys fees. See 15 U.S.C. 1681n-o
Product: Money transfer, virtual currency, or money service

Back in early XXXX I sent funds ( {$2000.00} ) from coinbase to contribute in an ICO. The ICO sent the corresponding transaction back to my Ethereum wallet on coinbase ( Its an XXXX token so they can be sent to ethereum wallets and help along with any XXXX token ) but coinbase does not recognize the token and refuses to assist in anyway to send to tokens to a seperate wallet address for me. It took them over two months to even reply to my request for assistance and when they did they flat out refused to help. The process to do this is simple and would take maybe 5 minutes. I have emailed support and opened several cases, every time I am told they can not and will not help resolve the situation. This happens rather often and this company is holding my currency XXXX in my wallet.
Product: Debt collection

Called Med Data Sys on XX/XX/15 to pay a balance they claimed I owe. I requested that the debt be deleted from my report once paid, the agent I spoke to XXXX ( ph XXXX x XXXX ) and she advised that they would delete it from my file. I paid the outstanding balance in full of nearly {$4000.00}. I called back to confirm that this had been requested and was advised that " they do not do that. '' I asked if calls were recorded, I was advised they were. I asked if the call could be pulled. XXXX ( ph XXXX x XXXX ) advised they are not doing that. 
I was mislead and lied to.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are 4 accounts that do not belong to me and needs to be remove from MY XXXX credit report also 4 inquries XXXX DATE OPEN : XX/XX/XXXX BALANCE IS {$940.00} 2.XXXX XXXX DATE OPEN : XXXX XXXX BALANCE IS XXXX XXXX. XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX BALANCE XXXX XXXX. XXXX XXXX XXXX : DATE OPEN XXXX XXXX XXXX BALANCE INQURIES 1. XXXX XXXX XXXX XX/XX/XXXX XXXX 2.XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and still find unauthorized inquires that I have not given written consent for Experian to furnish. This is identity theft and should be deleted.
Product: Credit reporting

For the last 20 yrs I have been working on my credit report trying to build it to a XXXX or above unfortunately all methods dont work if I pay a bill or write them regarding the statutes of limiations or pay several bills the credit score wont go no higher than a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a recent credit report after being charged high interest on a car loan for over 2 years and realized from the report that the information reported was wrong and not going back to the date I was issued the social security number and started having credit which was in the year XXXX. I went online printed my Social Security statement showing issue date of my history going back to XXXX, mailed them a copy with a copy of my drivers license Social security card, proof of mailing and a letter with a copy of the credit report sand all I got was a new copy of the credit report with the same information. I wrote back with the threat of the complaint and never heard from them, I guess this department dose n't mean a thing to them. 
My credit file shows my history only going back 3 years making it new credit with no experience thus opening the door to get charged higher interest, higher insurance rates, inability to purchase a home or get a mortgage. 
This is all a scam to get kickbacks by reporting wrong information then avoiding the issue. Furthermore all my payments are on time I have a 32 % usage of my credit limit, worked at the same job for 31 years lived at the same place for 18 years, have the same phone number for 15 years yet my score is below than a person who has a recent bankruptcy. Why?
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY CREDIT REPORT THERE WERE SEVERAL ERROR ACCOUNTS THAT DID NOT BELONG TO ME. I BEGAN MY PROCESS OF DISPUTE WITH ALL 3 CREDIT REPORTING AGENCIES. 
I SENT A SERIES OF 4 CERTIFIED LETTERS RETURN RECEIPT TO THEM LISTING THE ACCOUNTS AND REQUESTING THAT THEY BE VALIDATED OR REMOVED. IN FACT WHEN THE CRA'S DID IN FACT REMOVE A FEW OF THE ACCOUNTS IN QUESTION, MY SCORE ACTUALLY WENT DOWN XXXX = POINTS! THIS IS UNACCAPTABLE, I AM FULLY AWARE THAT THESE CRA'S CAN MANIUPLATE CREDIT SCORES AT THEIR WILL, ( I HAVE SEVERAL YEARS IN CREDOT AND COLLECTIONS) AS OF THIS DATE XX/XX/2018, 
THERE ARE STILL 2 ACCOUNTS ON XXXX AND NOW 3 ON TRANSUNION. 
THE THIRD ONE IS A COLLECTION AGENCY FOR ONE OF THE ERRONEOUS ACCOUNTS XXXX XXXX XXXX. THE COLLECTION AGAENCY IS XXXX XXXX. I SENT THEM A CERTIFIED LETTER AS WELL INFORMING THEM THAT THIS IS NOT MY ACCOUNT, I HAD REQUESTED 4 TIMES PREVIOUSLY THAT XXXX XXXX REMOVE THIS ACCOUNT SINCE THEY REFUSE TO SHOW ME MY SIGNATURE ON A CONTRACT, AND THAT THEY MUST IMMEDIATLY REMOVE THIS FROM MY REPORT.  THEY STILL HAVE NOT DONE SO. 
THE ITEMS THAT REMAIN ARE : 
TRANSUNION                                                 XXXX                        
1. XXXX XXXX XXXX                                   1.XXXX XXXX XXXX
 2. XXXX XXXX XXXX,                            2. XXXX XXXX
3. XXXX XXXX.  

AFTER EVERY ONE OF THESE CERTIFIED LETTERS, THE RESPONSE I RECEIVED FROM BOTH CREDIT REPORTING AGENCIES WAS " ACCOUNT VERIFIED BY CREDIT GRANTOR"  THIS VAGUE RESPONSE IS A DIRECT VIOLATION OF SECTION 611 (5) (A) OF FCRA. 
I AM REQUESTING THAT YOU INTERVENE ON MY BEHALF AND ENFORCE MY RIGHTS TO HAVE THESE UNVALIDATED ACCOUNTS REMOVED IMMEDIATLY. 
ADDITTIONALLY, XXXX XXXX IS IN VIOLATION OF FCRA AS THEY HAVE DELIBERATLY NOT COMPLIED AFTER THEY RECEIVED THE CERTIFIED LETTER ADVISING THAT THIS IS NOT MY ACCOUNT AND THEY MUST DELETE IT IF THEY CANNOT VALIDATE IT. ( IT IS XXXX XXXX ) DULICATE ACCOUNT , ANOTHER VIOLATION. 

IF I DO NOT OBTAIN RELIEF FROM THIS LAST EFFORT TO HAVE MY CREDIT RESTORED BY REMOVING THESE ACCOUNTS AND MY SCORE BEING INCREASED BY THE CRA'S (AGAIN THEY LOWERED MY SCORE AFTER REMOVING SOME OF THE ACCOUNTS) MY NEXT COURSE OF ACTION WILL BE LEGAL. CITING CASES XXXX  vs. Transunion,LLC    and XXXX, et al v. XXXX XXXX

I APPRECIATE YOUR ASSISTANCE IN THIS MATTER AND AWAIT YOUR REPLY.  

XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  has been reporting inaccurate information INTENTIONALLY on my report. I have sent them numerous request to remove the inaccurate information under the FRCA fair credit reporting act and they it has not been fixed, under 15usc 1681 accurate and correct information has to be reported. This has been reported XX/XX/year> on my report of " paid closed, {$870.00} written off. '' where XXXXXXXX XXXX has been paid in full and the credit bureau is not reporting the status correctly. 

I do not owe XXXXXXXX XXXX and They have been reporting incorrect status which is showing my account as still " {$870.00} written off '' in the status
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans reporting from 2004 which are repeating twice and should be off my report.Totals are XXXX for one and I have many XXXX tried calling and have written letters no reply .This loan are over 10 years old still reporting repeatedly to account.Please help me remove them.XXXX XXXX XXXX and XXXX XXXX XXXX.My loans were transferred which they should be removed for that purpose XXXX check was deleted off and they reported it back with a new starting date account was never mine and disputed it
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that there is incorrect account on my credit report when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reported account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$670.00}
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.

Accounts : XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( TRANSUNION ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police 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, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX  XXXX XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Product: Checking or savings account

I have filed numerous complaints against Capital One bank for stolen customer 's deposit back to XX/XX/XXXX. Most recently on XX/XX/XXXX I filed police report with XXXX Police Department to ask stolen funds to be back. As I stated before I do NOT know Theft XXXX XXXX. I never authorized her to do anything on my behalf. Attached please find police department letter and my numerous times contact with Capital One to ask stolen funds to be back plus criminal prosecution against XXXX XXXX. Capital One did NOT respond for my most recent complaint. I am asking {$45000.00} principle including 20 % interest starting XX/XX/XXXX and XX/XX/XXXX. Personal time {$5000.00}. Travel expense {$200.00}. Pain & Suffering XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : XXXX XXXX at XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as Equifax, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.