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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear to whom this may concern, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized credit inquiry had been made. I am not aware of the inquiry sources name nor who conducted the inquiry, and I am asking for them to remove their credit inquiry from my credit report. I request that you investigate the inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

Name : XXXX  Date : XX/XX/XXXX ; XX/XX/XXXX Name XXXX XXXX XXXX Date : XX/XX/XXXX Note : This is on there twice with two different addresses. Was informed it was a soft inquiry not a hard inquiry conducted. 

Name : XXXX  Credit Date : XX/XX/XXXX. 

Name : XXXX XXXX Date : XX/XX/XXXX Note : Was informed it was a soft inquiry not a hard inquiry conducted. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 



Thank you for your assistance in this matter, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, has received my credit card utilization 3 times in the month of XXXX from XXXX XXXX and each time has reduced my XXXX  score significantly. I have no other conclusion but to feel harassed and that XXXX XXXX is feeding Equifax with such information. Dates my credit card purchases, payments were reported during XX/XX/2020, are : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, neither are in line with my billing cycle and both companies blame the other. 

In addition, Equifax has reported a 120 day late payment on an US Dept. Of Education loan as being 120 days late during the pandemic, reported from XX/XX/2020, when currently are payments to student loans are suspended and interest rate is at 0 %. why did it take them until XX/XX/2020, coincidentally when I started to try to repair my credit to report a 6 month old payment. 

Lastly, There are two accounts that I asked be VERIFIED, XXXX and an collection account in the amount of {$670.00}. Not only will they not provide information to validate these accounts to me directly, they keep reporting such information as accurate. Validation requires Equifiax to provide my signature on documents that show my agreement to pay both companies, when the account was sold to collection, the date, amount it was sold for and proof that I owe said company. Equifax failed to validate both accounts in 30 days.Validating both accounts and removing them would increase my XXXX score significantly and their failure to do so, would explain their reluctance. Also, they changed dates on both of thee accounts, so that they remain on my credit report longer. Equifax recently changed dates to XX/XX/2020, these dates enable them to keep negative items on your report longer than 7 years.
Product: Credit reporting or other personal consumer reports

I've attached proof of LCI inaccurate reporting their reporting and business practices is a violation of the FCRA, and I'll sue LCI and enforce my rights under the FCRA if this information attached isn't removed from my consumer report immediately. Data furnisher 's ARE NOT ALLOWED TO REPORT INACCUARTE INFORMATION! FCRA Section 623 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: Bank account or service

A thief stole almost {$10000.00} from our checking account at Citibank by impersonating my wife with a fake ID and cashing XXXX forged checks against our balance at XXXX different branches in late XXXX / early XXXX of this year. Citibank notified us about the fraud, so we went to a local branch where we signed an affidavit stating we were n't involved in this scheme and provided all the information required for Citibank to process this claim. The branch manager, with whom we met for about two hours that day, told us Citibank would credit the stolen funds in a matter of days. It 's now been almost a month since then and Citibank has n't restored the money to our account. Now they 're saying their investigation could take up to 90 days because of the nature of the fraud, with no ETA on when or even if we 're going to get our money back. We think it 's wrong that Citibank is withholding this money, which we need, when the only reason why it 's missing is due to their lax and negligent security safeguards and practices. For example, apparently Citibank made no effort to verify that information on the fake ID used by the thief, such as my wife 's date of birth, was correct. Citibank also instantly cashed the XXXX forged checks which apparently were checks from closed or non-existent businesses whose accounts either never existed or were no longer open. Citibank did n't bother to verify if these checks the thief presented to the tellers were valid and legitimate before handing over almost {$10000.00} in cash from our account to a criminal. In addition, Citibank should have flagged these transactions as suspect the moment the thief tried to pull them off because we 've had this checking account for almost 20 years, and we never conducted such a transaction, namely showing up with XXXX checks issued to us by XXXX third parties, and cashing them right then and there. We want Citibank to acknowledge its failure in protecting our money from this criminal and credit the stolen funds to our account immediately.
Product: Credit card

My Fidelity Investment credit card was compromised twice in the last two months. I have opened fraud investigations and I spent more than an hour on the phone with a representative and at the end of the call, I asked the representative how much I had to pay this month and was told that I did not have to pay anything because I had all these wacky charges on my card and I had already paid during this billing cycle. Several days later, I was charged interested and late fees on my card balance. 

1 ) I ask that the company remove the interest and late fees.

2 ) Help me sort out how much I owe on this card as I simply can not figure it out. Too many items are in dispute status, and some are not, and I can not figure out the calculations. 
3 ) Work out some interesting/penalty free way to finish all the disputes and get the credit card balance to XXXX. -- I can't figure out what is going on because there are thousands of dollars of fraudulent charges on this card.
Product: Debt collection

I contacted XXXX XXXX XXXX to discuss a account that was reporting on my credit report from an original creditor of XXXX XXXX XXXX. I was told I would need to speak with Randolph, Boyd, Cherry and Vaughn to discuss account. I called the law office of Randolph, Boyd, Cherry and Vaughn and was advised that the amount due was {$3700.00}. Which was different than the amount showing on my credit report which was {$6100.00}. I was told by XXXX, ext XXXX that they waived the administrative fees and I needed to pay {$3700.00}. They also mailed me a letter confirming this amount that was due. I paid that amount and received another letter stating they were going to close the account. That letter was dated XX/XX/XXXX. The balance updated on all three of my credit reports to open account with a balance of {$2400.00}. I called XXXX XXXX XXXX and they stated they could not update it needs to be done by Randolph, Boyd, Cherry and Vaughn. Then I called Randolph, Boyd, Cherry and Vaughn and they have said they do not report to the credit bureaus it needs to be fixed by XXXX XXXX XXXX. I am tired of going back and forth this has caused so much XXXX XXXX and health problems in my life dealing with this agency. On my credit report it says the balance is owed to XXXX XXXX XXXX and they are refusing to update my credit report to reflect the account is closed after I paid through the steps that they requested I go through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report from Transunion on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX XXXX XXXX in the file that Transunion maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Transunion challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Transunion Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.
Product: Money transfer, virtual currency, or money service

Paypal has targeted me as a XXXX and has engaged in a campaign of denying me access to my Paypal Wallet and the money that I have stored there.

Paypal first refuses to remove an old number so that now I can't complete id verification by Mobile Smartphone.

Paypal has now locked my account. They demand a document, but won't specify what document is required ( the email explaining what they want was not ever recieved at primary email address on record with Paypal. ) Paypal has purposly denied me access to my money and have omitted key required email necessary to complete id confirmation in a deliberate attempt of seperating me from my account for political reasons. 

XXXX XXXX XXXX ( former cell now disconnected. ) Please help. 

Sincerly, XXXX XXXX XXXX XXXX
Product: Credit card

The TJX Companies , Inc. 
XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX Dear sir, I have written a letter to your company on XX/XX/XXXX of XXXX regarding my reward certificates, # XXXX ( issued XX/XX/XXXX ) and # XXXX ( issued XX/XX/XXXX ), which arrived with XXXX bill from your credit company Synchrony. Since there was no answer regarding the inquiry, why I could not use these certificates, I would like to ask again the reason why I could not use them after the second try about the middle of XXXX. As far as I remember, your company re-issued my unused corticate. Therefore, I beseech your company reissue the usable certificates or send me a gift card, which was sent also in XXXX by mail. If there is any reason why I can not use them, I request proper written explanation on paper, not by the phone. Since I have received many unwanted calls and hacking activities last year, I do not want to receive any calls, even though your credit card company, Synchrony, continuously called me, even changed his/her voice. I will wait your proceedings regarding this matter. 

Sincerely,
Product: Checking or savings account

I've had my savings account with Citizens Bank since XXXX  with {$200.00} in it, and it was fine with no maintenance fees or anything. The {$200.00} I opened the account with was fine just sitting there collecting interest every month. All of a sudden, on XXXX XXXX XXXX they charged me a {$10.00} " dormant fee '' and a {$4.00} service fee, and they did not notify me of this. They then marked my account as dormant and they have been taking {$4.00} every month since XXXX XXXX XXXX  and no longer giving me the interest on the account. They have taken a total of {$69.00} from my account since that day. I contacted them and I was told that it was an error, that the interest I was earning every month counted as " activity '' that would make the " dormant fee '' that they charged me, as well as all of the following service charges for the balance being below {$200.00}, was an error on their part. I was issued a {$14.00} refund on XX/XX/XXXX for 3 of the service charges, and I was told that I would have go wait for the manager the next day to issue me the rest. I never heard back from them, nor was I refunded all of the money that they have been wrongly taking from me. I called them today, XX/XX/XXXX, and the customer service representative said that they would not return my money. The best he could do was refund me {$35.00} of the now {$54.00} that they have wrongly taken from me. 

Are banks now just able to charge you a random fee to get you below the amount where they start charging you service fees? I opened this account on XX/XX/XXXX with {$200.00}. I have never been charged any fees for anything, as that was the minimum to wave the service fee. All of a sudden, they charge me with a {$10.00} " dormant fee '' after 3.5 years of the account just earning interest, in order to get my balance below the point where they start charging a XXXX XXXX service fee. Every where I have see, interest that you earn and that is deposited into you SAVINGS account every month is " activity '' and that was confirmed by them. So they just stole some of my money. A horrible bank. How many other people have they done this to? Their business practices need to be investigated.
Product: Payday loan, title loan, or personal loan

I got a salary advance loan from The state employees credit union in XXXX North Carolina in XXXX being that I paid my old balance off from XXXX so they say. They are still reporting that I owe them {$140.00} but in XXXX I receive more than one advance which was paid in full every time they will not give you another loan if you owe them money. When I reached out to someone today at the bank he told me that he would direct me to XXXX the district manager of the bank but he never called me so I spoke to XXXX and emailed him to let him know whats going on he called me back saying that My loans were {$300.00} but that was incorrect my loans were only XXXX $ The bank took {$20.00} of the XXXX witch left me with {$180.00} I dont know where he got the extra XXXX $ from I feel that they are trying to scam me out of more money and I need someone else to look at this before I pay anything because they making my credit look bad on purpose and they know it
Product: Money transfer, virtual currency, or money service

XXXX, went to Chase bank in XXXX, XXXX, TX to cash my payroll check. Was told no, limit is {$2500.00}. XXXX XXXX, a mgr., came over and kept saying no no No without hearing the teller or me, and was very rude. I offered to open an account, XXXX XXXX cut me off and overruled the teller saying XXXX hold my check for up to 30 days if I do. I inquired why was he doing this, he replied its our policy and repeated it 4 times like he was a child having a tantrum. He never provided a copy of any policy to substantiate his claim, and never offered to. I reminded him my employer banks with them, he said so, you dont. His behavior was inappropriate, and unprofessional. He was personally belligerent and lacked even basic courtesy.
Product: Checking or savings account

XXXX XXXX  had 4 open debit card at one time I had one and one showing on statement
Product: Money transfer, virtual currency, or money service

I received a letter containing a debit card from Chime with banking services provide by XXXX XXXX, XXXX. I never created an account with Chime. When you call their customer service number there is no option for contacting their fraud department and I had to click around the automated system and press 0 for 10 mins until it finally getting in a que to speak to a customer service agent who then had to transfer me to their fraud department. The Chime representative said that they account had not been activated and that they closed it, and that another account would not be able to be opened with my information, but refused my request that they mail me confirmation that the account was closed. The only confirmation I have that the account was closed is a ticket number for my call ( ticket # XXXX ). The agent also started a fraud prevention speak about setting up notifications with the credit bureaus, but I have already done this and setup a freeze on my credit reports with the three major bureaus XXXX, XXXX, and XXXX. 

It is absurd that this " financial technology company '' seems to make it intentionally hard to reach their fraud department and will not mail me confirmation that they have closed this fraudulent account and that no more accounts will be opened using my information.
Product: Debt collection

The collection compan y of JH Portfolio Debt Equities is  " re aging '' the account to add time to when the account is supposed to be deleted from my credit reports. This is a violation of my rights and is illegal under FCRA sectio n 605 ( a ) ( 4 ) and 622 ( 5 ) ( b  ) ( i ) respectively.   The account is a  XXXX  credit card account that was reported and the " Date of First Delinquency '' as  XXXX . The account then was sold on  XXXX   XXXX  to  JH  Portfolio Debt Services and the the " Date of First Delinquency '' was changed to :  XXXX  to  XXXX   XXXX  to  XXXX   XXXX  to  XXXX   (  see attached second certified letter ) All of these dates are inaccurate. I have asked repeatedly by certified letter as to why the " DATES OF FIRST DELINQUENCY '' where changed after they received the account from  XXXX  bank  ( see handover letter ). JH  did not receive the account until  XXXX   XXXX ,  XXXX . Prior to that the " Date of First Delinquency '' was reported as  XXXX  ( see attached  XXXX  entry dated  XXXX  ) by the original creditor. The other  XXXX  credit reporting agencies did not report the account at all.     They have not responded, or in this case not deleted the account from my credit reports as they are required by law. The original creditor reported the " Date of First Delinquency '' as  XXXX  therefore the account should have been deleted in  XXXX   XXXX . I have tried to resolve this matter thru  XXXX ,  XXXX ,  XXXX ,  XXXX , as well as The State Attorney General Office of California and now your office.
Product: Debt collection

Sometime in XX/XX/2018, I started receiving phone calls from USI Solutions , Inc regarding a credit card from XXXX  XXXX XXXX that was in collections ( and also had a judgment against me ). In wanting to clean up my credit, I agreed to make a payment of {$2400.00} to settle the account. I received a letter stating the settlement agreement on XX/XX/2018. I made the payment. on XX/XX/2018 I received a letter stating the account was paid in full. 

in the process of applying for a loan, I was told the judgement was still on my record and was owned/initiated by another company. I contacted that company and was told the account was never settled and they didn't know who USI Solutions is. 

on XX/XX/2018 I contacted USI Solutions, Inc and spoke to a XXXX XXXX, who was very rude to me. He first told me he didn't know what company they had purchased my account from, so then I ask for a verification of debt letter, for which he told me the account was closed, and then told me it would take 30 - 90 days to get a verification letter, and then told me I would have to speak to the woman who handled my account but she wasn't there that day. 

So now, not only do I still owe over {$4000.00} for the judgement account, I can not get information on from USI Solutions as to how they have the account and to get my money back.
Product: Credit card or prepaid card

Chase Bank is in violation of the Equal Credit Opportunity Act for failing to respond to my credit application ( # XXXX ) within the federally mandated 30 days. On XXXX XXXX XXXX, I applied for a Chase Freedom Unlimited credit card. On XX/XX/, they mailed me a letter asking me to verify my identity within two weeks of my receipt of their verification letter. I called the phone number Chase provided ( XXXX ) on XX/XX/XXXX, and received an automated response telling me that my identity had been verified and that I should wait 7-10 business days to be approved or denied. I called multiple times to follow up with the status of my application and was informed that it was still pending. 

It is now XX/XX/, and upon another follow up call from me, I learned my application has now expired. I was informed that my application expired because Chase could not confirm my idenity. I explained that I called the number they provided within the appropriate amount of time, and they said that the number I called should have routed me to a live agent who could have verified my identity. The number they provided does not do so ; it only results in an automated response that provides false information to applicants telling them that their idenity has been verified when it, in fact, has not. Upon speaking with a supervisor in Chase 's credit identity verification department, she informed me that Chase is aware of the issue and that I'm not the first applicant to have been provided false information via the automated line that they provide to their customers. In other words, Chase Bank is knowingly providing credit applicants with false information about the status of their applications which is then leading Chase to violate the Equal Credit Opportunity Act by not responding to their credit applications within the mandated 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. 
Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 my realtor received this text : I am a field technician from the XXXX XXXX XXXX disconnection team believe you are a license real state agent and you have this property listed, which it is schedule for disconnection today. 

I wouldn't want to cause any inconvenience, may you please relate the message to the owner or the person in charge and have them call disconnection team at ( XXXX ) XXXX XXXX or Ext XXXX with the disconnections reference XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I called back and was told I need to pay for the deposit otherwise they are going to shut down the power. They said credit card would take five days to post and ask me to transfer thru XXXX, I did the first time, {$850.00}, and was told the number was not right so I did the second time {$850.00} and was told again Im not qualified for the discount so I did the third time, {$990.00}. They said the previous two payments will be back to my account in XXXXive days, and there was no answer when I called back. 

On XX/XX/XXXX, I called XXXX XXXX to report the case, and also called BoA to report a fraud, the claim number is XXXX. Never got any investigation report. I called BoA today and they told me my claim was denied because BoA is no liable for XXXX transfer.