23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that TransUnion ( TU ) update the bankruptcy reporting file date in my credit report. I have submitted documentation supporting the inaccuracy. TU is reporting a incorrect file date for the case number XXXX. XX/XX/XXXX, TU stated that case number XXXX Chapter XXXX bankruptcy has been verified as accurate and the file date is XX/XX/XXXX. XXXX ( XXXX ) third party vendor states that the public record information obtained has been resold to TU. XX/XX/XXXX XXXX reported that case number XXXX filing date for Chapter XXXX is XX/XX/XXXX. 
TU filing date conflicts with XXXX their third party vendor. The US Bankruptcy Court states that they do not report to credit bureaus/agencies. TU states if after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results. The U.S. Bankruptcy Court has been contacted and states the U.S. Bankruptcy Court dp not report to credit bureaus. 
TU continues to report a collection without a date of last activity or date of last payment for XXXX XXXX ( XXXX ). XXXX does not have a date of last activity. XXXX only show the date the account opened and the last activity are the same XX/XX/XXXX. Please update my file. XX/XX/XXXX the account was in the file for 7 years. TU continues to re age the account due to not showing the last date of activity. 
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Product: Checking or savings account

I disputed an atm amount transactions for the amount of XXXX $ on XX/XX/year>. Then received a letter on the mail stating they have completed there research of the inquiry about charges of {$6000.00} on your account. 
Because we have been unable to reach you or we did not receive the information we requested from you, we based our decision on the information available. We have determined the transaction was authorized or that a processing error did not occur. As a result, please consider your claim closed. If you would like us to reopen your claim, please provide details of the reason for your dispute. I then called and asked what additional information I can provide. The investigator then stated it closed and there is no additional information or anyway to reopen this claim.
Product: Credit reporting or other personal consumer reports

After checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : Delete and remove unauthorized/fraudulent inquiries. 
Inquiries : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S. Code 1681c2 - Block of information resulting from identity theft, you are required to block this information within 4 business days of receiving the following : -Appropriate proof of my identity -A copy of my identity theft report, which I have provided -Identification of the fraudulent information, listed below This needs to be resolved immediately. Under the FCRA, each violation of my rights entitles me to damages of {$1000.00}. Im willing to settle for that amount {$1000.00} per violation. If I dont receive payment within 4 days, I will pursue actual damages, which could be much higher.
Product: Debt collection

XXXX XXXX XXXX XXXX representing XXXX, XXXX is trying to collect on debt not owed. Debt collectors keep sending repeated offers to settle this debt to incorrect addresses and with repeated calls followed by questions about filing taxes and paying off Federal Loans. I am at risk for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

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. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 





XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

This is my 10th requests 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, remove 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 Balance Owed {$0.00} XXXX XXXX XXXX XXXX XXXX Owed {$0.00}
Product: Credit card or prepaid card

XX/XX/22 - Called Citibank and was given a promotional offer for " spend {$1000.00} or more in the next XXXX billing cycles, get {$95.00} statement credit and XXXX bonus points '' I have then met this necessary spend, but have not gotten the credit. 
On XX/XX/22 I called them about this and was told it will take a few more weeks. 
Then on XX/XX/22 I called again and was promised it will arrive by the end of the year. 

A week or XXXX later I received a letter ( see attached ) saying I have earned the credit on XX/XX/22 and to wait 1-2 billing cycles for it to show up on my account. 
It has been XXXX billing cycles since I received the letter, and nearly 3 months since that XX/XX/XXXX date, but I have not yet received the credit and bonus points
Product: Checking or savings account

I went to the atm on XX/XX/23 to deposit XXXX in my new account with chase for my bills I have been calling them about my deposit. The receipt shows card last XXXX of XXXX sequence # XXXX and advised me to call XXXX to see if money was available I need my money today is my payday and I thought using this account except for XXXX would be better Im trying to build credit to buy a house. Chase is constantly giving me the run around
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Darte of Birth XXXX this Cfb complaint has been filed pursuant to to FCRA - 605 B ( 15 U.S. C - 1681 c-2 ) that you Exerian credit reporting agency, XXXX XXXX XXXX XXXX agency and XXXX XXXX XXXX XXXX block any information appearing in my consumer credit report that is a result of identity theft and fraud with in 4 business days if you receiving this complaint This Fraudulent, inaccurate and false information consist of a personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX XXXX in the private account XXXX, XXXX on XXXX XXXX, in the private account XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX in the private account XXXX, XXXX XXXX on XXXX XXXX, in the private account XXXX and a cell phone in the company XXXX on XXXX XXXX in the private account XXXX and an Auto Loan in XXXX XXXX XXXX on XXXX XXXX in the private account XXXX.These accounts have resulted in several hard inquiries and fraudulent collections appearing in my consumer XXXX credit report. I do not recognize these accounts and they were not insisted by me. I have attached a copy of the FtC criminal report that List all these fraudulent accounts ftc XXXX I am requesting that pursuant to FCRA - 605 B ( 15 U.S. C - 1681 c-2 ) that Experian Credit Reporting Agency block all of the accounts, collections and hard inquiries identified in this XXXX complaint from my consumer credit file with in 4 days of receiving said complaint. I request that all written confirmation regarding this XXXX complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

defamation of character. 
ftc violation transunion took of a loan and put it back on the XXXX lease also XXXX has done nothing to try to help
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax`s actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C . 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB`s recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccurate. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX.
Product: Debt collection

XXXX XXXX XXXX as assignee of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : Formal Dispute and Debt Validation Request - XXXX : ( XXXX XXXX XXXX ) Dear XXXX XXXX XXXX, This letter is to formally dispute the alleged debt you are attempting to collect, purportedly purchased from XXXX XXXX XXXX I am requesting full validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. 

I am aware that you have acquired this alleged debt from XXXX Bank. However, I have no contractual agreement, either verbal or written, with XXXX XXXX XXXX. Therefore, I consider this debt to be null and void. 

Pursuant to 15 U.S.C. 1692g, I am requesting the following documentation to validate this alleged debt : A complete and detailed payment history for this account. This must include all payments, credits, and debits from the original date of the account 's inception with XXXX XXXX. 
A copy of the original signed contract bearing my signature that I allegedly entered into with XXXX XXXX. This is necessary to verify the legitimacy of the debt and my agreement to its terms. 
Confirmation of whether any insurance claims have been filed or paid regarding this debt. If such claims exist, please provide documentation. 
A complete chain of title demonstrating your legal right to collect on this debt. This must include documentation showing the transfer of the debt from XXXX XXXX  to XXXX XXXX XXXX. 
In addition to the debt validation requests outlined above, I demand that XXXX XXXX XXXX immediately cease reporting this account to all credit reporting agencies. Furthermore, should you be unable to validate this debt as requested, I demand that you immediately notify all credit reporting agencies to which you have reported this account and request that they delete all information related to this account from my credit reports. 

Please be advised that under 15 U.S.C. 1692g, if you fail to provide the requested validation within 30 days of receipt of this letter, you must cease all collection activities. Furthermore, the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Additionally, pursuant to 15 U.S.C. 1692c, this letter serves as formal notification that I refuse to pay this alleged debt and demand that you cease all further communication with me regarding this matter. 

Please provide all requested documentation to the address listed above. 

I expect your prompt attention to this matter.
Product: Credit reporting 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. 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. I need the following accounts to be DELETED from my file right away XXXX XXXX XXXX XXXX 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 or other personal consumer reports

A loan was applied for in my name that I never applied for ; I have been trying to challenge the loan with great difficulty, and now a debt collector is taking me to court to try and attain payment of this loan.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a text message pretending to be J.P Morgan asking if I made an absurd purchase that I did not recognize. I responded to the text with " No ''. They proceeded to call me right away, pretending to be Chase bank agent. They already had some of my personal information to gain my trust, then proceeded to tell me that my debit card has been compromised and must make a new one. This happened in a very unfortunate timing, because a few weeks prior to this event, my debit card was ACTUALLY hacked and there were multiple attempts of using my funds in absurd places like XXXX. So I had a real Chase agent help me get a brand new debit card on XX/XX/2022. Also beginning of the same month, my XXXX account was also hacked where my card and personal information was compromised and I believe it was the beginning of this huge downfall. 

Fast forward back to XX/XX/2022, the scammer successfully pretended to fix my debit card issue. And then he recommended that I also create a new account to be more safe. At this point, from my perspective, this was my 3rd time getting hacked in less than a month! Therefore I was in a very vulnerable mental state. So I trusted everything he said and followed his directions. He texted me a FAKE Chase website link ( XXXX XXXX XXXX XXXX XXXX  ) where he made me log in and give him the security code so that he can access my account. Then basically I was fully manipulated into wire-transfer all my funds to this " new account '' he created for me- which obviously was a lie- it was to a 3rd party bank. Most likely the scammer 's alias bank account. 

On XX/XX/2022 I began suspecting that I might have gotten scammed since there was no " new account '' created under my Chase account nor the funds came back. After hours of speaking with actual Chase bank agents, I was able to at least submit an identity theft claim. They told me to wait at least 9 days as they investigate. 

As of XX/XX/2022, today, I just got off the phone with Chase telling me that their attempt to get my money back was futile and unsuccessful and that there is nothing else that they can do. So I am left with no help other than going to the police. So this is my attempt at bringing justice back into my life by writing this to whomever it may concern. Life has been tough, and I finally made some money doing good work just to lose them to a scammer... There must be a way to investigate further and track down this criminal.
Product: Checking or savings account

An international hacker got in my checking account and deposited a fraudulent check that resulted in my account being closed. I reported the incident on ic3.com and asked USAA if I could be given a new account but they ignored my request and sent me checks for the funds I had in my checking and savings accounts. I had just gotten my account back and I really needed to have it and didnt think it was fair I lost it when this individual was hacked into my bank accounts, social media, utility accounts, and ID me account stealing my money and getting my accounts closed unfairly.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681e ( b ) : Permissible Purpose : under no other circumstantial may consumer information be shared unless the consumer have given written consent. 

I have written letters to XXXX  XXXX, Equifax, XXXX and XXXX and have asked for documentation showing where I have given consent for XXXX XXXX to give my private information to the bureaus and I have asked each credit bureau for documentation where I have given them consent to obtain my private information. 

Furthermore, I DID NOT give XXXX  XXXX permission to give me personal information to a 3rd party collection agency. 

XXXXinal Liability ( CFRA 604 and 620 ) Imposes criminal liability of any officer or employer if they knowing and willfully obtain information on a consumer from a consumer reporting agency under false pretenses.

If someone in Transunion furnished information in your consumer report from someone who did not have permissible purpose, you can that employee liable under FCRA Section 620 or 15 U.S. Code 1681n.
Product: Credit card or prepaid card

Citibank will not print, display on line, or email a statement if there are no charges made on the card for the statement period. This is true even if there are payments made on the account during that statement period. 

This results in the inability to balance the account. The card holder must call the customer service, escalate the call to a manager, and then request a letter regarding the payment. But they will still not send a statement. This must be done every month.
Product: Mortgage

Fraud by US Bank NA ( USB ). USB claims to be Trustee for a XXXX ( XXXX ), XXXX XXXX XXXX XXXX, which was never created, never funded, and never populated with pooled mortgages. There is no record of this XXXX in the Securities and Exchange Commission 's ( SEC ) system of record, XXXX, or in the State of Delaware ( where USB originally claimed the XXXX was created and where it is domiciled. ) XXXX XXXX, US Bank, Corporate Trust Services, XXXX. XXXXXXXXXXXX, first told me the XXXX was incorporated in Delaware . When I sent the Certified Documents from the DE State Courts proving non-existence of the XXXX, XXXX stated it was not created in DE after all. Then, XXXX confirmed he could not find a record of the XXXX. The same day I spoke with XXXX, his supervisor, XXXX XXXX XXXX XXXX, Vice President, XXXX, US Bank Corporate Services, XXXX, XXXXXXXXXXXX, learned of my discussion with XXXX. In response, XXXX sent an Urgent letter to me via XXXX indicating that the " XXXX XXXX XXXX XXXX is an existing XXXX XXXX '' and that I am to not contact XXXX because he does not handle these matters ; although, XXXX was the key USB contact during the dissolution of XXXX, which included its subsidiary XXXX XXXX. While XXXX was on holiday, I contacted his back-up ( as indicated in his voice mail message ) and spoke with XXXX XXXX, Dispute Resolution Specialist, XXXX, XXXXXXXXXXXX. XXXX also confirmed that he could not locate the XXXX which XXXX continues to claim exists. XXXX has refused to research or provide evidence of XXXX existence for " XXXX XXXX XXXX XXXX. '' XXXX is aiding and abetting the continuation of USB 's fraud. XXXX only concern is USB Risk Management and covering up any wrong doing with complete and total disregard for multiple state and Federal laws. Attached are Certified Documents from the State of Delaware Courts which reflect " XXXX XXXX XXXX XXXX '' being created by XXXX XXXX but not " XXXX XXXX XXXX XXXX. ''
Product: Checking or savings account

For years, I previously had accounts for years with Wise ( previously TransferWise ) without substantial issue.

This year, however, Wise has for months failed to resolve and remedy several failings that have been both directly and indirectly damaging for me personally and for my business : 1 ) That Wise has repeatedly held business transfers for weeks without notice and with no responsive means to resolve these hold. In multiple cases these holds were well beyond the stated timeframes for release 2 ) That Wise has for months held one business account in a state of " sanctions review '' despite that business 's having already provided valid, unexpired, up-to-date documentation as required to open the account. Wise continues to exceed the completion times provided for its own internal review it states to undergo in connection with several unresolved complaints I've lodged through email and phone conversations with Wise.

3 ) That Wise has cancelled inbound transactions while also failing to provide timely response regarding this months-long purported internal review.

4 ) That during the years of my use of Wise as a verified account-holder, Wise has demonstrated absent public policy, absent documentation, conflicting documentation, and conflicting accounts between various Wise representatives regarding these matters : - How to create, join, or access a Wise business account when a Wise user already has a Wise personal or business account - How to access, own, or manage multiple business accounts when one or more of the businesses require ( per security & compliance requirements ) accounts be made using email account ( s ) and domain name ( s ) authorized by and specific to that company - To what extent and by what means Wise supports having multiple profiles ( user logins ) given the dearth of clear policy, clear user experience, and accordant systems design around supporting multiple account access that also meets extremely common compliance requirements of client businesses- Wise 's demonstrated inability and/or refusal to reflect validated, approved account changes consistently throughout its services and interactions with customers and third parties - Wise 's demonstrated inability and/or refusal to address customers by their verified legal name ( s ) and or expressed title ( s ) or means of address - Wise 's demonstrated and extended failure to address almost universal misgendering in its customer support operations- Wise 's demonstrated failure to acknowledge the above and other failings and related failure to protect customers from the time-consuming and financially devstating implications of the corporate gaslighting implicit in the failings taken together