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

On Friday, XX/XX/2019, I gave XXXX XXXX /XXXX XXXX   XXXX permission to use my debit card to pay a payment of {$540.00}. Within a hour I checked my account and discovered I was {$1100.00} over drawn because the XXXX XXXX/XXXX XXXX XXXX had tried to take {$540.00} and {$1500.00}. I immediately called my local Chase Branch to inform them I did authorize the {$1500.00}. I was advised by a man there to call the XXXX credit to let them know I would be stopping that payment at a cost of {$30.00} to me. I called and talked to XXXX XXXX. She informed me there had " been a glitch in the system and it was immediately voided and recalled ''. I called the local branch back and spoke with a woman. She explained that stop payment was not allowed because I had used my debit card however if it was recalled " it would be batched at midnight '' allowing the money to be returned to my account. On Saturday, XX/XX/XXXX, the money had not been returned. I called the 1800 number for assistance. A woman there said that this is considered fraud. She stated that would receive " a partial refund on the next business day pending review ''. On Monday, XX/XX/XXXX, nothing happened and I continued to be overdrawn. Today, Tuesday XX/XX/2019, I called the bank branch and was sent elsewhere.I believe it was the fraud department. I spoke with several people there. I was transferred from one supervisor to the next. One person said it wasn't fraud and I would have to wait for the XXXX credit to remove the charge.I was told by one person it would 3-5 days. Another told me 3-4 days. Finally another one told me 2-5 days. I was on the phone with a man named XXXX. He said to me " you cant wait another two days? ". I was very upset and demanded to talk to his supervisor. XXXX stated " hes gon na tell you same thing I did. I have told him everything ''. Again I demanded to talk to his supervisor. XXXX said " is it gon na make a difference? ". I explained that it would. I needed to know why after 5 days of knowing that it was an inappropriate charge and that it was overdrawing me was no one doing anything. XXXX said " well its a computer and we just have to wait ''. I asked if there were not people controlling these computers and I was told " no ''. He finally transferred to XXXX. XXXX said he was really sorry to have this happened and that he " would temporarily fix it ''. He put the {$1500.00} back in my account and had me check while we were on the phone. This had been " temporarily been resolved ''. XXXX then said " I'm gon na ask you a question but you don't have to answer it ''. I said " OK whats the question ''. XXXX asked " what do you need to spend the money on? ". I him it was for " gas and groceries ''. I feel that I was discriminated and demeaned by the question and his attitude. I felt forced to answer as I needed my money and that if I declined to answer he would undo the " temporary fix ''.
Product: Credit card or prepaid card

My card was stolen they provided me provisional credit and a letter stating that the provisional credit check could be removed if dispute not found in my favor but prior to doing so as the XXXX required they are to tell me in writing of their findings then removing the provisional credit there yet to conclude the investigation but remove the provisional credit without providing me in writing that they were doing cell and caused me hardship because I wasnt planning on this money being removed to the investigation was completed as they stated in their letter they would do so also I had a refund of {$410.00} that they can not account for or tell me where it went although the company that refund it showed me the money was sent and they refused to investigate every time I speak to a supervisor or somebody they say that they have the right to remove the provisional credit whenever they want without notifying me and that is incorrect and against the law also about the refund from XXXX for XXXX they just continue to ignore the fact that its missing and not give me any proper information as to where my money is an locked me out of the account and every time I call they just hang up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with XXXX XXXX XXXX XXXX XXXX ) ( B ) of the Fair Credit Reporting Act. 

Pursuant to XXXX XXXX XXXX ( XXXX ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. 

The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 I request that you review this information and make the necessary corrections to my credit report. 

Additionally, I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a mortgage. My loan officer emailed me today ( XXXX XXXX ) to let me know that she was unable to pull my credit from XXXX because my credit report was 'blocked ' and XXXX because 'they were not reporting a score '. I called both companies today. XXXX was unable to verify my identity over the phone. They asked me identity questions about home/car/other loans ; however, I have never taken out a loan as of this mortgage application process. This makes me concerned that my identity has been stolen ; however I can't access my credit report to verify if it has been stolen. XXXX   requested that I mail or fax them photo copies of my driver 's license and social security card to verify my identity, but the idea of sending copies of my IDs through the mail makes me uncomfortable. XXXX said that a credit report exists for me ; however there is no way that my loan officer can access it independently of me giving her a copy of a report that I request myself ( which is invalid by her bank 's standards, obviously ). 

I am concerned as a result of these difficulties that my identity has been stolen. I went to XXXX to pull my credit from all three CRAs. I was unable to do so for all three. They all asked me identity questions pertaining to loans that I have never heard of. Some also asked me about credit cards that I have never had. As a result I am concerned that my identity has been stolen. 

I have yet to contact Experian but I don't anticipate that it will be fruitful.
Product: Credit card or prepaid card

On XX/XX/2023, I was charged by XXXX XXXX for a service I did not receive. 
On XX/XX/XXXX, the original charge was voided. 
XXXX XX/XX/XXXX, I was charged again for the service I did not receive. The Citi representative understood there were two charges and one voided charge. The Citi representative determined which charge to contest. 

On XX/XX/XXXX, I contacted Citi and disputed the charge. 
Citi issued me a conditional credit. 

On XX/XX/XXXX, Citi ruled not in my favor, because the XX/XX/XXXX charge had been XXXX XX/XX/XXXX, Citi reversed the conditional credit. 

I called Citi again and re-opened the dispute. I explained again there were two charges and only XXXX was voided. Citi ammended the claim so that now the dispute was for the second charge, not the first charge. 

On XX/XX/XXXX, Citi issued a letter saying that the dispute had been resolved in my favor, and that the conditional credit was permanent. The letter stated that no further action was needed on my part. However, The conditional credit had been reversed on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted Citi to re-open the dispute. The representative said that they could see that the dispute had been resolved in my favor, that the conditional credit was permanent, and that the conditional credit was cancelled. The request had to be forwarded to a department that was closed. Since it was late Friday, he said that someone would call me on Monday. 

On XX/XX/XXXX, I called Citi. The representative did not have a record of the call. She said that the audit department did not call people. She said they would typically address the request in XXXX days. 

On XX/XX/XXXX, there is no update from Citi. I will call them and inform them that I have issued a complaint. The most troubling thing is that Citi issued a letter saying " There's nothing else you need to do. '' Since this is just plain false, and since Citi has all of the information needed, I see this as evidence of Citi deliberately misleading a customer with a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint request. 

An identity theft report was filed with the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Pinnacle as they do with so many consumers fail to address the issue at hand and think that simply proof that a debt accures is sufficient evidence to ruin people lives. Pinnacle has an F rating with the XXXX and they no longer except rebukes from Pinnacle for this reason
Product: Debt collection

SYNDICATED OFFICE SYSTEMS ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify SYNDICATED OFFICE SYSTEMS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNDICATED OFFICE SYSTEMSor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

I didn't authorize this hard inquiries and didn't receive the service expected. This took place on XX/XX/year>2023 2023
Product: Credit reporting

On " XXXX '' website there are several HARD inquiries into my credit by " XXXX ' that are bogus. I was told that they are " AGING '' my accounts fraudulently & do not belong to me because I never asked them for money. PLEASE TELL THEM TO DELETE THIS CROOKED DATA. Thanks for any help. XXXX. 

PS : If they have any documents from the internet those are fakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these two addresses ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ) with Experian. I am a victim of identity theft ... thus they refused to correct an error. I've attached documents that XXXX  deleted these two unverified addresses but Experian STLL are reporting these two fraudulent addresses.

They refuse to correct information after being provided proof of inaccuracy.

Violation : Defamation, willful injury. 


LEGAL JURISDICTION : FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220 June 9, 1997, Filed ( D.C.

No. 95-cv-01743 ).
Product: Prepaid card

XXXX XXXX XXXX XXXX and XXXX  my claim keep getting denied I went and got a police report and it still was denied
Product: Credit reporting or other personal consumer reports

This is a complaint to XXXX, Equifax, and XXXX for the completeness and/or accuracy of information contained in the consumer file that you maintain about me, pursuant to the provisions of 15 U.S.C. 1681i.

After reviewing my credit reports I noticed that your company are violating the Fair credit reporting act by improperly using my credit reports for the following accounts ; [ XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ] XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ] The furnishers of information are also in violation for reporting these accounts pursuant to 15 USC 1681s-2. And the reason goes as follows.

These accounts are charged off/canceled debt in which I have not been provided a 1099c form. Because it is canceled/charged off, this is now considered a certificate of indebtedness per the IRS Publication . The IRS Clearly defines a charge off/cancelled debt as Gross or Ordinary income, and income does not get reported on a consumer report which in fact makes the reporting of this information inaccurate. I provided a screenshot from the IRS website for further evidence. As your company know it is against the law to report any information not proven accurate. 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 ).
Product: Debt collection

Collection company Southwest credit systems keeps reporting an account that is not mine and reporting it as new debt on my credit report. keeps reporting new open dates on debt they purchased that is not mine. reporting it as a loan. reported that i opened an account with them om XX/XX/XXXX 2019. this is not true.. and account is not mine.
Product: Debt collection

I was affected by a national disaster that resulted in me losing my apartment with XXXX XXXX. An XXXX came and cause damage. I had a deposit and insurance that was covered by XXXX XXXX 

I experience homelessness after this and was forced to relocate to another city. I've attempted to dispute and validate the debt, but I dont get a response. 

Per FCRA I have every right to this information
Product: Debt collection

I am not exactly sure what type of debt this is because the person is never clear about what I owe and what for. This company has contacted my employer several times and I have since moved to another department with the same company and they leave messages the people in that department. My coworkers clearly know this is a debt by them repeatedly calling. They also called my boyfriend 's number, and I am unsure how they received his number as I do not provide it for anything. His number is XXXX XXXX XXXX and they called him on XXXX XXXX. They have repeatedly called him XXXX  and left a voicemail with mine and his name on it saying that it is an urgent matter. He was at work and had to take a break as he thought I was in danger. My number is XXXX XXXX XXXX. They called my new job on XX/XX/XXXX. This is the main number they call from XXXX. This number is unable to be traced through XXXX. I don't know these people and wish they stop harassing me. They call from various spam numbers throughout the day from all over Mississippi. Please tell them to stop calling my job as I have informed them a few months back about that matter. They definitely do not need to try and find someone associated to me and call and harass them as they are not responsible for my bills. I don't know what these people want but they are going to make me get suspended from my job with a possible bill collector calling harassing all the time to each department I have ever worked.
Product: Bank account or service

The bank is continuously charging me fees - whereas the overdraft protection was to thwart such activity. I am being told my savings account is closed, yet a {$500.00} deposit was made on XXXX XXXX, 2015 and retained by the bank. there are still monies in the savings account which was used to assist with possible overdrafts ; needless to say the bank is telling me I have to come in and close the account. I was charged {$140.00} for returned item fee and I am not sure what the expense was causing further financial chaos -personally. Refer to Case number : XXXX
Product: Debt collection

i got a call from an asset recovery associates claiming i owe XXXX dollars for a credit card i had back in 2003 for a XXXX ive never had a credit card thru a XXXX that i can remember i asked them for bank information to contact bank but they refused to give me that they told me if i didnt pay it or make arrangements to pay it they was gon na file a judgement against me i talked to someone about this and they told me to contact you
Product: Debt collection

Portfolio Recovery Associates has 3 accounts listed on my credit report that have not been verified. Also Portfolio Recovery Associates is not licensed in the state in which I reside in which is Michigan. It is illegal for Portfolio Recovery Associates to collect in a state that they are not licensed in. I have attached proof. I would like the 3 accounts with Portfolio Associates to be removed from my XXXX, XXXX and XXXX report.
Product: Debt collection

On XX/XX/2020 I received a notice stating that I owed XXXX XXXX XXXX from a collections agency called " Credit Collection Services '' ( XXXX XXXX XXXX XXXX MA XXXX ). I called XXXX on XX/XX/XXXX as I suspected a scam. XXXX reassured me that my account was in good standing, they have never sent anything of mine to collections, and the notice must be fraudulent. 

I'm not sure how this credit collections company got my information such as my name, address, and the fact I have a XXXX Cable account.
Product: Credit reporting or other personal consumer reports

I asked this company to stop communicating with me, specifically by reporting on my consumer report an alleged debt that has been deemed unverified as per Federal law Pursuant 12 CFR 1006.34 ( c ) due to the fact that you did not follow ( are still are not following ) federal law. Once again You are reporting a debt tht can not be verified plz stop. Due to the deceptive practice With your pre-generated answer to my cfpb complaint its evident you will not comply to my request, and you will continue to violate and circumvent the FCRA with these prefabricated responses but still ignoring consumers requests.