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

I sent money to a supposed dog breeder, XXXX XXXX, in XXXX, Washington, in two separate payments, one {$200.00} payment and one {$300.00} payment on XX/XX/2022, via XXXX from my US Bank account. This morning when I tried to contact the breeder to find out when I was going to pick him up today ( XX/XX/2022 ), he blocked me. I tried calling and no answer. I tried reaching out to my bank ( US Bank ) and they said they could not refund me the money because the transaction had already been completed. This is complete fraud/scam.
Product: Debt collection

This Company is reporting this debt as being late when its already been charged off. This Company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.I also never received a 1099c cancellation of debt form from the IRS.Not to mention they have violated code 15.U.S.C.1681s-2 ( a ) ( 1 ) ( a ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute a collection account that has appeared on my credit report. The account in question is not mine, and I have no legal binding contract with the entity reporting the collection. The following account is violating my rights in regard to XXXXSC 1681. 1681 section 604 A Section 2 : 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 XXXX 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.I have not authorized any entity to report this information on my behalf, nor have I received any goods or services from the entity in question. 

XXXX XXXX XXXX XXXX
Product: Debt collection

The debt, XXXX account was settled and paid with a collection Agency, in XX/XX/XXXX and XX/XX/XXXX, with confirmation numbers and check numbers. I have sent this information to another agency who is trying to collect on the debt, each time I call to verify it 's been taken care of and collection attempts to stop, I keep getting information that is incorrect. The original debt collection agency was XXXX XXXX. I was told on more than XXXX occasion that they could not give me any information because it was archived and they gave me other phone numbers to call. XXXX was the original credit card company and when I called their number the recording stated that they were not taking calls at this time. This was on a Thursday, before XXXX CST. Finally I was able to get in touch with their dispute department, via internet and email, I did get a response that the debt was paid in full along with the account number. I am still having issues with the NEW Collection Firm.
Product: Debt collection

Follow up to previous Complaint # XXXX filed on XXXX/XXXX/16, XXXX XXXX XXXX is attempting to obtain a Writ of Garnishment against my pay filed on XXXX/XXXX/16 ; after falsifying documentation as the creditor and continuing on a judgment obtained by lying to the Dist. Courts of XXXX XXXX stating that I moved and served docs to locations/addresses where I would never receive notification to defend/appear in court. Current creditor Peroutka is currently seeking a pre-judgment amount plus {$940.00} in legal fees. Peroutka has now provided legal documentation that the debt was transferred to his law offices and that the debt is not time barred that they are trying to collection upon. Peroutka law offices needs to stop the Writ of Garnishment obtained under false pretenses and fraudulent docs submitted to the courts. I am also seeking legal counsel to sue the law offices of Peroutka, Miller, Kilma & Peters, P.A.
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my Transunion credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting 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. 


Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/year> 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 reporting or other personal consumer reports

Checking my credit report, I noticed a series of accounts in the name of XXXX  ( XXXX, XXXX, XXXX, XXXX ), LVNV FUNDING ( XXXX, XXXX ), and XXXX XXXX ( XXXX, XXXX, XXXX, XXXX ) that are reporting collections in my name. However, none of my creditors or even the collection agencies themselves provided certified notifications informing me that my personal and credit information would be transferred to a third party. Based on this, I do not recognize these accounts as mine, and they are failing and violating my rights as a consumer, potentially leading to identity theft. Therefore, I am submitting this complaint to request validation and verification of the accounts, for which you can provide me with certified evidence. Where do I give consent for these accounts to be reported on my credit history? As well as the prior notifications regarding the transfer of the accounts by the creditor. Considering this information, the accounts in question would be violating Title 15 of the USC in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Debt collection

Pinnacle Credit Services is a collection agency that has multiple dba's/aka 's in multiple states. This collection agency has removed and reinserted the same account into my credit file multiple times for a debt that is well beyond the statute of limitations for the state of Georgia. They have dishonest tactics such as changing the last activity date in an attempt to re-age the time allowed for the negative information to remain in my credit file. They have changed the amount owed and reinserted the account into my credit file under one of their many dba 's after the account had already been removed from my credit file as shown in the attached files. This company is so bold and egregious in their tactics, they have listed one of their dba 's as the original creditor in my XXXX credit file and report ( as shown in the attached files ). You will notice that I have attached my XXXX  and XXXX credit reports that were pulled on XX/XX/XXXX as well as XX/XX/XXXX to provide a visual example of the unfair and deceptive tactics used by this organization. The name of the collection agency, Original Creditor, Balance and account numbers all changed from what they were in XX/XX/XXXX to what they are now in XX/XX/XXXX. [ Equifax Report XX/XX/XXXX ] |Collection Agency name : Pinnacle Credit Services LLC| |Original Creditor : XXXX XXXX |Balance/High Balance : $ XXXX| |Account number : XXXX [ XXXX Report XX/XX/XXXX ] |Collection Agency name is now : - ( blank ) | |Original Creditor is now : Pinnacle Credit Serv ( Yes ... They are now listed as the Original  Creditor!! ) | |Balance/High Balance is now : $ XXXX| |Account number is now : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- [ XXXX Report XX/XX/XXXX ] |Collection Agency name : Pinnacle Credit Services| |Original Creditor : XXXX XXXX XXXX| |Balance/High Balance : $ XXXX| |Account number : XXXX [ XXXX Report XX/XX/XXXX ] |Collection Agency name is now - Pinnacle Llc| |Original Creditor is : XXXX XXXX XXXX| |Balance/High Balance is now $ XXXX| |Account number is now : XXXX Not only is this alleged debt well beyond the statute of limitations for collections and beyond the statute of limitations for it to be reported in my credit file. The unfair and deceptive tactics used by this collection agency are in direct violation of the law, according to the Fair Debt Collection Practices Act ( FDCPA ). The many names, dba 's and aka 's under which this company operates are listed below : XXXX XXXX XXXX XXXX dba/aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX, SC XXXX XXXX XXXX XXXX aka/dba/XXXX XXXX aka/dba/ XXXX XXXX XXXX XXXX XXXX aka/dba/XXXX XXXX XXXX XXXX aka/dba/ XXXX XXXX XXXX XXXX   aka/dba/Pinnacle CS/Pinnacle Credit Serv/Pinnacle Llc 1XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following inquiries that I did not authorize from my credit report XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX i did not provide written permission or instructions for identification to be reported on my consumer report. I am requesting that the reporting of this information be block and deleted. My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of faxt by me relevant to the reuqest to block the information related to any transaction by me as a consumer. Please delete within 4 days of reciept of this information
Product: Checking or savings account

I went to transfer funds out of my account on XX/XX/year> and discovered that a hold had been put on my account due to suspected fraud. I asked the fraud team to contact me to discuss and release the hold since I need access to my funds to complete a time-sensitive large financial transaction. They did not contact me. The customer support agent I spoke with said it could take some weeks for the team to review my case and reach out to me but I need the funds immediately.
Product: Credit card or prepaid card

I didn't make these charges. If there is another government agency that would be better able to assist, I request my complaint be forwarded to them. Please advise. Thank you. Here is the list : XX/XX/XXXX XXXX XXXX TN Gasoline {$29.00} XX/XX/XXXX XXXX XXXX XXXX   TN Gasoline {$11.00} XX/XX/XXXX XXXX XXXX XXXX TN Gasoline {$27.00} XX/XX/XXXX XXXX XXXX XXXXTN Gasoline {$23.00} XX/XX/XXXX XXXX XXXX XXXXTN Gasoline {$82.00} XX/XX/XXXX XXXX XXXX XXXX XXXX AR Gasoline {$57.00} XX/XX/XXXX XXXX XXXX XXXX AR Restaurants {$22.00} XX/XX/XXXX XXXX XXXX XXXX   AR Gasoline {$50.00} XX/XX/XXXX XXXX XXXX XXXX TX Gasoline {$34.00} XX/XX/XXXX XXXX SC - # XXXX XXXX AR Merchandise {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX TX Gasoline {$31.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX TX Gasoline {$49.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX OK Gasoline {$58.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX   OK Gasoline {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX OK Gasoline {$51.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$18.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$27.00} XX/XX/XXXX XXXX SC - # XXXX XXXX CO Merchandise {$310.00} XX/XX/XXXX XXXX SC - # XXXX XXXX CO Merchandise {$310.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO 02653R Restaurants {$13.00} XX/XX/XXXX XXXX XXXX XXXX   CO Gasoline {$84.00} XX/XX/XXXX XXXX SC - # XXXX XXXX CO Merchandise {$53.00} XX/XX/XXXX XXXX XXXX XXXX NM Gasoline {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX NM Gasoline {$12.00} XX/XX/XXXX XXXX XXXX XXXX   CO Gasoline {$5.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$11.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$60.00} XX/XX/XXXX XXXX # XXXX XXXX OK Merchandise {$66.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Gasoline {$45.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX OK Gasoline {$79.00} XX/XX/XXXX XXXX XXXX XXXX OK Gasoline {$45.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX AR Gasoline {$11.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX GA Gasoline {$77.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX MS Gasoline {$79.00} XX/XX/XXXX XXXX XXXX XXXX AR Gasoline {$23.00} XX/XX/XXXX XXXX SC - # XXXX XXXX XXXX AL Merchandise {$10.00} XX/XX/XXXX XXXX SC - # XXXX XXXX XXXX AL Merchandise {$10.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Nj, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act ). I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I am aware that section 609 requires you to have verifiable proof of my signature. As is my right, I am requesting the validity of my signature or that the items that the items listed below be removed from my profile. 

ACCOUNT NAME : - ACCOUNT NUMBER : XXXX Balance : {$24.00} ACCOUNT NAME : - ACCOUNT NUMBER : XXXX Balance : {$60.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Additionally, I have highlighted these items on the attached copy of my uploaded statement. I request that all future correspondence be done through email. As stated in the FCRA, you are required to respond to my dispute within thirty days of receiving this letter. if you fail to offer a response all disputed information must be deleted. Thank you for your Prompt Attention to this matter.
Product: Mortgage

Date XX/XX/2020 I believed I was enter into a loan that I never signed the documentation. 

I believed I was taken advantage of by broker, XXXX, and escrow company. 

I never signed paperwork for a 2 year loan never realized it until I got Notification that my property taxes were behind. I have been under covid hardship since I was furlough. 

I have ask for help for 6months for a reduction and this company doesn't seem legit.
Product: Checking or savings account

I had received a settlement from a civil rights lawsuit in XX/XX/XXXX and I had a high-yield savings account from american express dated back to XXXX, upon receiving my settlement after being deposited into my XXXX XXXX XXXX  checking account I transfered {$100.00} into my high-yield savings with american express. American express fraud department closed my account and never sent me a check for the remaining balance of {$100.00} I tried to contact them via phone regarding this matter but I only got harassed and was told that I had to speak with the fraud department still no answer to where is my remaining balance. XXXX XXXX XXXX and American Express Savings Account is illigally withholding my funds.
Product: Credit card or prepaid card

My card was taken and charged under false pretenses, fraudulently, and without my permission. I immediately contested the charge, and have repeatedly explained the circumstances that occurred to American Express. In my most recent attempt, I provided a letter recounting the entire history of the dispute and my multiple attempts to resolve it with American Express ( see first attachment ). In response, American Express provided the same generic response, attaching the same illegible " supporting documents '' that in no way support the charge or contradict the circumstances that I have described in a sworn declaration ( see second attachment ). In short, this is a fraudulent charge that American Express has repeatedly failed to reverse or to meaningfully address.
Product: Credit reporting

In XXXX, XXXX charged an amount of XXXX with XXXX.  This collection company placed the account on my credit reports.  The account was disputed and removed XXXX.  Approximately XXXX, XXXX place the account with XXXX.  XXXX placed the account on my credit report again with a XXXX origination date and with an amount that differed by $1.  I informed Equifax that they already removed this disputed item and now it has been placed again.  They concluded the dispute and stated that it should remain.
Product: Checking or savings account

Thought account was opened after mailing a check for {$100.00} to ETrade weeks ago. It really is weird they decided to close my account. As I funded the account appropriately. It makes me wonder why such a bank exists if it won't let a person like myself have an account. Its America. Land of the Free supposedly. XXXX open bank accounts all the time. I am XXXX born citizen. I should be allowed to open an account.
Product: Checking or savings account

This is a follow up complaint to the previous complaint, XXXX. Attached is the solid evidence proving that Citi owes me {$700.00} bonus that was due on XX/XX/XXXX : 1 ) the letter from Citi XXXX to my wife, dated XX/XX/XXXX, acknowledging the eligibility of {$700.00} bonus for her account. I opened the same type of account, on the same day ( XX/XX/XXXX ), with the same Personal Banker ( XXXX XXXX XXXX, with the same bonus terms and conditions. In regards to the previous account that their XX/XX/XXXX denial letter mentioned ( account number ending in XXXX  that I closed on XX/XX/XXXX ), my wife and I, again, separately opened the same type of account, on the same day ( XX/XX/XXXX ) and closed them on the same day ( XX/XX/XXXX ), so they paid my wife but won't pay me, 2 ) four records of new funds I deposited and transferred to Citi, {$10000.00} from XXXX XXXX XXXX on XX/XX/XXXX, {$5000.00} from XXXX  XXXX XXXX  on XX/XX/XXXX, {$5000.00} from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and {$5000.00} from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. To avoid further delay, on XX/XX/XXXX, I went to Citi XXXX XXXX branch in XXXX XXXX Nevada and submitted another W-9. 
What my wife and I noticed through fighting for three unpaid bonuses is the Citi 's repeated pattern of dishonest, deceptive, bait-and-switch, and unfair business practice with their bonus promotions. The bonus denial letter I received on XX/XX/XXXX is the same template my wife received in XX/XX/XXXX. Their dishonest, deceptive, and unfair business practice follows the same pattern : a ) the branch offers a bonus, b ) Citi doesn't pay the bonus as agreed, c ) customer complains, d ) Executive Response Unit sends out a template letter with a fine print terms and conditions ( the same the branch 's Personal Banker follows to check for bonus eligibility ), e ) Citi requires the customers to keep the minimum of {$5000.00} daily account balance to avoid monthly maintenance fees, and f ) requires the account to be open to receive the bonus. Additionally, the ERU did not respond to me within the XXXX calendar days they mentioned in their email after I sent them a rebuttal email. So far, our experience shows that they keep our funds for additional 60 days on top of required timeline for the bonus. During that time, Citi deprived us of interest we can earn elsewhere and refuses to compensate. I am XXXX XXXX XXXX and heavily rely on the interest and bonuses to supplement my social security income. This dishonest, deceptive, bait-and-switch, and unfair business practice must be investigated to protect the consumers.
Product: Credit reporting or other personal consumer reports

Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX # XXXX, XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Inaccurate Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  Inaccurate Phone Numbers : XXXX XXXX
Product: Checking or savings account

I am in check system and not able to open no bank accounts my identity been stolen and use to fraudulent open a back account at XXXX XXXX XXXX XXXXXXXX i have no knowledge of that account and didnt open up the account ftc report number XXXX i like this fixed and removed from check system and all the bank inquiries and attempts to open up bank account that i didnt do
Product: Mortgage

We decided to refinance our home with Chase Bank in XXXX 2016. We still have yet to close on our refinance. We were immediately approved and submitted all info numerous times. Chase representatives repeatedly forgot to do things they were supposed to do. They did n't submit the request for tax returns on time. They did no send for IRS transcripts on time. On numerous occasions we were told that underwriting had our paperwork, when in fact they never did. They pulled our credit report numerous times because over the length of the refinance the score kept expiring, therefore we have multiple hits on our credit. The same went for income documentation because of the length of time it took to close. My employer received numerous calls to verify my employment. To the point where HR could n't understand that it was still going on. I called Chase Corporate of NY and they would not help, instead they kept transferring me back to the branch I was already having problems with. Our loan rep would ignore my husband 's calls, yet answer when he would call from another line. He would answer my calls with an attitude. No hello or greeting from Chase Bank at all. In XXXX we were told that our loan was being fast tracked, it is now XXXX and we are still waiting, 7 months later. Loan commitments were dated incorrectly or had information wrong, even thru XXXX. On XXXX XXXX, our loan guy said we could close the XXXX, XXXX, or XXXX. I picked the XXXX to only have us receive a call that we were not closing. I only received a phone call from the loan processor in Ohio on XXXX XXXX telling me that we were closing on XXXX XXXX, confirmed at XXXX at our home. Around XXXX on the XXXX we received a call that the appointment was being pushed back till XXXX because documents from Chase still were n't received. Around XXXX we received a call that we were no longer closing because Chase still did n't submit paperwork to a closer, therefore no one was assigned to the case. My husband canceled work in order to be home for a closing that never took place. Now he 's out wages over this. I managed to have a baby and go back to work, and we 're still dealing with this. No one at Chase seems to care enough to help at all.