23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Bill sent to us by CitiBank/XXXX during the month of XX/XX/XXXX9 ( Reference : XXXX ) There are a number of suspicious circumstances about this bill. 
1. The account was paid up and closed down in early XX/XX/XXXX. The account was on autopay. There was never an outstanding balance from previous months. 
2. The cards ending XXXX and XXXX were both cancelled in early XX/XX/XXXX and could not be used. 
3. There is no itemization of the purchases that motivate this new balance. 
4. The balance of {$4700.00} is unusually high. Our bills were usually half that amount or less. 
5. We received no bills for this account XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. This bill is said to cover expenses in XX/XX/XXXX. 

We have tried to contact billing at CitiBank regarding this issue. A weakness in the billing processes at CitiBank is being exploited we suspect intentionally. Instead of talking with us the bill has been sent on to the collection agency XXXX XXXX XXXX XXXX. 
Either someone in billing at CitiBank made a mistake or is attempting to fraudulently exploit a family in mourning. 
We are reporting this crime to both the police and the Federal Trade Commission.
Product: Checking or savings account

I attempted to schedule an external transfer from my Chase Business Complete checking account into my XXXX XXXX checking account. The payment was reversed when the balance was sufficient. It was reversed due to Chase, not due to XXXX XXXX, because they could not verify my transfer. It was my own money, and Im not sure what more verification is needed. I didnt get a text, email, etc, and the payment was just returned to Chase . I have since fixed this issue. However, due to Chase not verifying my information properly, I received 4x {$35.00} overdraft fees on my XXXX XXXX account. This is not XXXX XXXX issue, and it is Chases for not properly allowing the transaction to go through.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent {$200.00} from my bank account to this email XXXX. I sent it with XXXX with chase bank. It was supposed to be invested in a prebuilt store that i was going to have access to but he has not given me any information whatsoever. I will include his XXXX  in the screenshot. I want a full refund from him.
Product: Debt collection

I received an alert from XXXX yesterday XX/XX/ and again on XX/XX/2023 that Credit Collections Services applied {$93.00} to my credit report with no account number or information to contact them. I looked them up on XXXX and called them today XX/XX/ and spoke with XXXX XXXX. I explained to him this is not my debt as I have Car Insurance with another company and I have had it now for two years. XXXX gave the information he had which was the incorrect phone number and address that he had that supposedly belonged to me. This account was bought and sold to them and that's the information he stated he had from XXXX. XXXX proceeded to tell me I needed to let my debt collectors know my correct information. I told XXXX again not my debt and please have it removed or I would be filing a complaint because this debt was not validated and not mines and had I been contacted prior to this being put on my credit report since it was assigned to them in XXXX and it is now XXXX this incorrect and invalid information being put on my report could've been avoided. He again stated he called a XXXX telephone number which is not my number and the number I have I have had for over 2 years. He refused to have it removed and told me to go ahead and fie this complaint.
Product: Debt collection

XXXX XXXX added an extra line to my account in XX/XX/year> after receiving a call from someone that I do not know requesting for them to do this. They gave me the name of the person who called but did nothing about the incident. I was charged from XXXX XXXX XX/XX/year>. They just refunded me for the months they charged for the extra line and nothing else. I tried to resolve the issue with XXXX XXXX which they refused to do. I switched companies after getting the run around from them and now they've added a debt to my credit report.
Product: Credit reporting or other personal consumer reports

Credit acceptance has been falsely reporting XXXX past due each month. I demand this be changed immediately.
Product: Money transfer, virtual currency, or money service

Hello, I send money to the XXXX using sendwave to XXXX last XXXX XXXX. Usually money will be sent real time on my XXXX account. I called the next day because it was still pending and let them know to reverse the transaction. They said they filed the reversal but on XXXX XXXX XXXX an email the payment was delivered but when I checked my XXXX account, that XXXX dollars is not credited at all. I have been calling sendwave more than XXXX times already. I also contacted XXXX about this but XXXX also insisted that they did not received that money from sendwave. I called back sendwave and said that XXXX  did received it and if they can not refund the money sendwave cant do anything about it. Sendwave should be responsible in this because I used their portal to send money and now they are not taking full responsibility. All of the information were all correct. I did all correctly and now it feels like they leaving my problem not resolve. I need help in getting my money back.
Product: Credit reporting

I had a medical account from an ER visit. I am covered under the VA but the VA never paid, but I did not find out until I was checking my credit report. I paid it immediately with the intention of having the VA reimburse me. The collection company, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , PA told me they would remove the submission to ALL credit bureaus on XXXX/XXXX/2015. They also send me a letter to confirm that this was paid in full. But Experian keeps reinserting it and I have sent them proof. I call XXXX XXXX and they tell me that they have removed it from all XXXX bureaus, I call Experian and they say no that they keep receiving it for submission. I WANT IT REMOVED, IT IS PAID IN FULL!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I identified errors that do not align with my financial history. These inaccuracies have caused undue harm to my creditworthiness, and I believe they stem from negligent noncompliance with your duties under the FCRA. 

Specifically, collection agencies XXXX XXXX XXXX, Transworld Systems XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  are inaccurate for the following reasons : he debt does not belong to me or has been paid in full also missing documentation from the furnisher of the information, incomplete investigation, etc. 
Pursuant to 5 U.S. Code 1681o, you are liable for damages caused by negligent noncompliance if the errors in my credit report result from your failure to take reasonable steps to ensure the accuracy of the information provided. I believe this applies to my case because no information has been furnished to me proving the accuracy of reporting follwing request.

To resolve this matter, I am requesting the following : That you conduct a full investigation into the disputed items, as required under the FCRA. 
That you correct or remove the inaccurate information from my credit report. 
That you provide me with a written confirmation of the results of your investigation and any corrections made.
Product: Checking or savings account

After having a substantial relationship with  Iberia Ban k, I got a notice they have decided to close my account and gave me no reason whatsoever. I had  one issue  with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
Product: Debt collection

This account does not belong to me. I have no knowledge of this account.
Product: Credit card or prepaid card

Nordstrom claims on my credit report that I have an amount unpaid on the card, however I paid this amount and have the receipt of me doing so. Their claim on my credit report of this incorrect amount has resulted in a major drop in my credit score.
Product: Credit reporting or other personal consumer reports

I discovered that the transaction XXXX Card/Account # XXXX has been furnished to the Trans Union XXXX XXXX, and XXXX and is being reported on my credit report without my written consent. Using or attempting to use identifying information of another person without consent or authority is considered identity theft under Federal Law. The creditors who furnished this information to the credit reporting agencies failed to provide me with disclosures to opt out before disclosing any of my personal financial information to the credit reporting agencies.
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. 

Account name : XXXX XXXX XXXX Account Number XXXX, XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Account Number XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX Account Number 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.
Product: Debt collection

received letters from XXXX stating my auto insurance was cancelled for non payment, then received a letter from a collection agency wanting to collect the debt. I informed them that I had auto insurance with a different company for many years and never had insurance with XXXX. I filed a fraud report with the local police department and the XXXX called XXXX and talked to them about the issue. I sent XXXX the police complaint number.
Product: Checking or savings account

I have had hundreds of reports of fraud on this company. 
Debit fraud tons of it. This was just one of the companies that took part in my identity theft. I live in hiding now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written the credit Bureau to have my bankruptcy removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am victim of the data breach and now my rights have been further violated by EQUIFAX due to their submitting false and inaccurate information to lenders. This has adversely impacted my credit worthiness and hinders my natural right to credit. They are falsely reporting late payments and inquiries on my consumer report.

According to 15 USC1681a ( 3 ) EQUIFAX assumed the role in assembling and evaluating my consumer credit. I never consented for them to assume this role and I never instructed them to construct any report and I never consented for EQUIFAX to furnish anything. Pursuant 15 USC 1681b2 EQUIFAX is in violation by not having permissible purpose to do so. EQUIFAX is also in violation of my privacy pursusant 15 USC 1681a ( 4 ).
Product: Mortgage

My mortgage is through Carrington mortgage inc. Back in XXXX my local tax department had my property taxes coded wrong and was charging double taxes on my property for that tax period. I went to my local tax department on XX/XX/XXXX and had it corrected. I called my mortgage companies tax dept and sent a copy of the correction. They still charged me an extra {$300.00} for the month of XXXX I paid it. They said call back in XXXX weeks and the system would be updated. I've called every XXXX weeks and still have told me the same thing. I was charged an additional {$300.00} for the month of XXXX and now again for XXXX. My house payment should be XXXX a month not {$850.00} a month. They tell me they see where the correction has been made but saying the escrow hasn't been updated. I can not afford XXXX a month. That is why I bought a low value home within my budget and can not afford to make a 850 monthly mortgage payment that is over half of my family 's monthly income. I tried to make my regular {$550.00} payment and it will not go through. Says they will only accept a minimum payment of XXXX. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These below inquiries do not belongs to me 1. XXXX XXXX XXXX {$37000.00} ( XXXX XXXX ) 2. XXXX XXXX  {$2400.00} ( XX/XX/XXXX ) 3. XXXX  {$130.00} ( XX/XX/XXXX ) 4. XXXX XXXX XXXX {$0.00} ( XXXX XXXX ) 5. XXXXXXXX XXXX XXXX {$0.00} ( XXXX XXXX ) 6. XXXX XXXX XXXX {$0.00} ( XXXX XXXX ) 7. XXXX XXXX {$0.00} ( XXXX XXXX ) 8. XXXX XXXX ( XXXX XXXX ) 9. XXXX  ( XXXX XXXX ) and another date is ( XXXX XXXX )
Product: Credit card or prepaid card

Hello, I have changed my bank and have a new card. I can not add my new card to my old credit card account. It alway comes back with a problem and now I cant even add it. I hope that this makes sense. I can not even start making my payments because of this. I have tried to put in my other account about 4 times now. And I cant go to the bank because I week at night and I am only off on Sundays and sometimes Saturday.
Product: Debt collection

The credit card company sold the debt to multiple debt collectors. Now my wages is being garnished by two debt collector for the same debt. Other debts collectors continues to call me to call the same debt.
Product: Credit card or prepaid card

5/3 stole {$1000.00} from me and has been lying to me and XXXX  XXXX XXXX ALL YEAR When you see attached pictures of my online chats with 5/3 you will see I HAVE HAD SEVERAL ISSUES with this card spanning since last XXXX. Plus check my 1-2 other 5/3 CFPB complaints. JUST NON STOP NEGLIGENCE In the pictures you will see that this company lied to me and promised me that all future payments be canceled, yet they were not. NOW Ive been spending the last 3 hours talking to the Credit dept., then checking dept, then internet services dept. and now Credit again! The credit dept said the money came out of your checking so theyre the only ones that can reverse this payment, then checking said same about internet services and now internet services is pawning me off back onto the credit dept AND NO ONE WILL GIVE ME MY MONEY BACK! 

As soon as I can get away from the monsters and close all accounts I will
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX
Product: Checking or savings account

This complaint is against Bank of America. My home is in  XXXX , FL. I opened both a checking and savings account with Bank of America in   XXXX  . A person from the Bank of America called me about 5 days from    XXXX   XXXX   info rming me that the bank was in the process of closing my account. I assumed that the account was being closed that day. I have no knowledge of what state the person was calling from. On   XXXX   XXXX   my federal income tax c heck ( {$4300.00} ) was  directly deposited into my checking account.   However, this is the problem. I have no idea what or how this happened, but my savings account got to be overdrawn by over  XXXX  dollars. This happened long before because Bank of America had been calling me about that overdraft. I told them before that I did not try and cash any checks totaling that amount of money. I just learned that it was  XXXX  checks cashed. Bank of America stated that they were investigating this, but they refuse to allow me to withdraw my tax refund. This compliant was set into motion before   XXXX   XXXX  . They ask that I give them 45 days to have this investigated. It has been over 45 days and now they are telling me that they need 60 days.   This is not fair nor is this right. I need my money and Bank of America has been hedging and hesitating.   Can this office do anything about this situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX. ) XXXX Balance : {$90.00} XXXX XXXX XXXX : {$90.00} XXXX XXXX XXXX : {$8500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act : XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank # XXXX and XXXX XXXX Bankruptcy 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 instruction
Product: Credit card or prepaid card

For months, Navy Federal has been sending me a remittance coupon statement, as the payment for which is owed. I have recently found out that these detachable coupons sent to me as a bill, are a way of payment. I've been paying them via online because they want you to feel like it's quicker, but it's actually to distract us and not notice that these are actually checks/money orders. I mailed out my remittance coupon certified, which they received with a notarized letter attached with a list of Consumer Law codes that states a coupon is worth whatever the face value it has printed on it. Banks are redeeming the coupon with the government and receiving another payment from my trust. They are double dipping and getting paid twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$630.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX United States XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX Clerk of court XXXX XXXX Please provide required and requested information that has been asked of you on the last 7 dispute. I have provided you with address and phone number of whom you need to contact. 

XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, the founder and XXXX of XXXX XXXX XXXX an XXXX assisting all victims of human trafficking. My XXXX is accredited by the North Carolina Attorney General and my XXXX was given authorization to make Determinations under the Debt Bondage Repair Act. XXXX XXXX XXXX assisted multiple victims/survivors of human trafficking with self-attestation letters to block information associated with human trafficking. Experian is refusing to block information from human trafficking victims files after submission of all required documentation. Experian is being negligent and taking discriminatory actions against these victims which are causing further harm to the victims/survivors. 

Experian is also denying due process to victims after the submission to block information by never giving the required notices to rectify the block request and never sending the stated notices to the victims within the required time frame. 

The Experian consumer affairs department has been very negligent with the investigation by XXXX XXXX and XXXX XXXX. 

Experian is depriving the rights of human trafficking victims. These victims are looking to pursue legal action through the Attorney General because the XXXX does not have a private cause of action. Although, there are state laws and FCRA violations that these victims can pursue. I am requesting that the CFPB take action. 

Please see the attached authorization letter by the Attorney General. I have also attached email communication from another agency who Experian is complying with.