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

On XX/XX/2022 there was an inquiry reported from SANTANDER CONSUMER USA that I did not authorize. 

On XXXX there was an inquiry reported from XXXX XXXXXXXX XXXX that wasnt authorized by me. 

On XXXX there was an inquiry report from XXXXXXXX XXXX XXXX that wasnt authorized by me. 

On XXXX there was another inquiry report pulled from XXXXXXXX XXXX XXXX that wasnt authorized by me. 

On XXXX another inquiry report was pulled by XXXXXXXX XXXX XXXX that wasnt authorized by me. 

On XXXX an inquiry was reported from XXXXXXXX XXXX XXXX that was not authorized by me. 

On XXXX there was an inquiry reported from XXXX XXXXXXXX XXXX that wasnt authorized by me. 

On XXXX there was an inquiry reported from XXXX XXXX XXXX XXXX  that was not authorized by me. 

Ive contacted each of these financial institutions explaining that it was not me and the reports are still on my report.
Product: Debt collection

XX/XX/2014, I was accused of living in an apartment in XXXX, GA. While attending college my wallet was stolen, in my wallet included my ID, credit and debit cards, and my social security card. I assume that this took place in the duration of my Junior year. I was living on campus at XXXX XXXX and never had a need to live off campus.
Product: Money transfer, virtual currency, or money service

Transaction reference # XXXX Amount {$11000.00} Date : XX/XX/2018Transaction reference # XXXX Amount {$100.00} Date : XX/XX/2018 The promise on the Xoom website is to transfer money instantly. When I called them they did talk about the limits which should be less than {$10000.00}. But in one of the above cases it is only $ XXXX.Then they told me about bank providers taking time to clear the amount. If that is true then that should be the same process and same time for all the bank account related transfers. My question was " How can they commit instant transfer, when they do not have any control on that? '' The advertisement on their website misled me in believing that it would be an instant transfer and my plans were hinged on that. I have suffered severe losses for not being able to get the money on time.

Attached are 3 different transaction of 3 different amount which were all delayed for unforeseen reasons not mentioned in the website.
Product: Checking or savings account

Cash app account has been hacked by some unknown person and have many unauthorized transactions on account from XXXX tell now
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX have 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
Product: Bank account or service

Citizen 's Bank employee by name XXXX called us on XX/XX/XXXX and offered apply for refinancing of our home equity loan with a lower interest rate ( 2.5 % ). She asked for the last year tax return and my husband 's last XXXX pay stubs. The next day we provided those documents. Now, we are harassed by a woman by name XXXX XXXX XXXX, who tells us what to do ( to pay XXXX amount of money which is disputed because XXXX charged us fees for internet services which we did no use and which came from third parties ). Eventually there was a class action lawsuits filed and XXXX settled. In our case XXXX demanded some of disputed amounts and we refused to pay. Eventually XXXX cut off all services except for XXXX telephone line. at that point it was discovered that XXXX switched our telephone lines making primate line a secondary and the secondary as a primary. At that point our XXXX started to show error message on control panel and we discovered for the previous two years we had a security system for which we paid but which did not have connection to the XXXX. We demanded charges to be reimbursed and complained through FCC but although XXXX committed perjury FCC did not satisfy our request. We switched to XXXX and for the last 7 years do not respond to XXXX offers to switch back to them. No money would be paid out of the disputed amount. XXXX XXXX started to harass us demanded the payment of the disputed amount, additional documents ( XX/XX/XXXX tax return and proof of home owner 's insurance ) which we provided. Now she started to ask about companies we have no idea about and again for documents that we had already submitted. It appears that she does not know what she is doing and we refused to deal with her. She said she would withdraw our application. It appears that because we are foreign born we are systematically are harassed, intimidated, insulted and humiliated by banks in the US.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am contacting you regarding accounts on my XXXX, TRANSUNION and XXXX credit report. 

I have already contacted THEM but they have done nothing to resolve the issue. There are 6 student loans accounts that not belong to me. 

I would like them removed because they are fraud and do not belong to me. 
Please make THEM delete these fraudulent accounts ; this inaccurate information has directly affected my chances of getting approved for any type of loan or job or ability to get a license which requires a good credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX Date XXXX
Product: Checking or savings account

This refers to the attached letter fro m Citibank.      In the letter it is stated " You opened your account online on  XXXX   XXXX ,  2016  ... '' This statement is false fo r two reasons 1. The accounts are never opened by clients. The accounts are opened by Citibank after app roving their applications.      2. I sub mitted my application on  XXXX   XXXX ,  2016 .  Citibank approved my application and sent my account documents via U.S.Mail on   XXXX   XXXX ,  2016 . I received these documents on  XXXX   XXXX ,  2016 . Hence, the account was effectively opened on  XXXX   XXXX ,  2016 , not on  XXXX   XXXX ,  2016  as claimed  by Citibank Acco rdingly, all requirements of Promotion  XXXX  were met and I am entitled to the Promotion cred it. Citibank is attempting to mislead me and the CFPB. Clients can not be held responsible for any delay on the part of Citibank in openin g the accounts.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

I do not understand why the CFPB closed Complaint ID XXXX. The issue was not resolved, Chase only answered that they have a right to close an account for any reason. They have not returned my funds that was deposited with them. They closed my account in XXXX 2020, and still have not returned my funds over two months later, as of this date XXXX XXXX, 2020. The letter dated XXXX XXXX,2020, referenced in their response to you, was never mailed to me, and promised phone calls to me not made. Why did I not receive any correspondence from Chase after my account was closed with instructions on when, and how my funds would be returned? The only correspondence is the letter, response, they gave to CFPB. After contacting the CFPB, XXXX XXXX, XXXX Ext XXXX, did phone me and assured me they wanted to resolve this. He informed me he was going on vacation and was referring my case to his associate XXXX XXXX. XXXX XXXX said he would follow up when he returned from vacation, which he never did. Repeated phone calls to not only the persons listed in my original complaint, but since to XXXX XXXX at XXXX Ext XXXX have gone unanswered. 
I followed up, and went to a local branch on Monday XXXX XXXX, 2020, with the verification Chase asked for in the letter dated XXXX XXXX, 2020, which I read as an attachment on the CFPB website, and my funds were still not returned. The branch manager, XXXX XXXX, XXXX of Chase located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX, took all of my information providing the proof of the funds I deposited with Chase came from an account I owned. She called Chase executive offices while I was present, informing them I had the verification they requested, and they still would not return my funds. She said she would email them all the information they requested, along with a copy of my drivers license. XXXX XXXX said she would follow up with a phone call to them on Tuesday morning XXXX XXXX,2020 and call me also with the outcome, which she never did. I believe the original XXXX ID XXXX should not have been closed because there still is no resolve. I believe in my original complaint it asked how can this issue be resolved, and I listed return my money! Chase is illegally holding my funds, and not returning them to me.
Product: Debt collection

In XX/XX/XXXX I had phone service with XXXX XXXX. I had my bluetooth left open and my data was charged for excessive charges. The account was closed and a debt buyer bought the account named XXXX XXXX XXXX. 
I still have XXXX XXXX as my carrier. Always have. I tried to dispute this debt with XXXX XXXX XXXX but they bought this debt in XX/XX/XXXX and refuse to acknowledge its past 6 years from when account was last charged or recieved any payments. They are wrongfully reporting this on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX  fraudulently had me fill-out a credit application stating that's the only way they legally could sell me a car ( I had declined to fill it out five minutes earlier ) and so your institution illegally accessed my credit via a hard inquiry with Transunion. I had declined XXXX  XXXX XXXX credit and offer to match the financing through XXXX  of 60 months at 2.64 % and XXXX XXXX XXXX XXXX at XXXX XXXX submitted them anyway.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/year> {$5500.00} I RECENTLY REVIEW MY CREDIT REPORT AND NOTICE I HAD A FRAUDULENT ACCOUNTS ON MY REPORT.PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT
Product: Debt collection

I spoke with Collection Bureau Inc on today XX/XX/2020 @ XXXX XXXX and spoke with XXXX ( one of the managers ) and another manager who didn't want to provide her name. I've been asking for over 6 months for this company to dispute the amount is due with the original client which is XXXX XXXX  and they fail to do so. I reached out to XXXX XXXX ( XXXX XXXX XXXX  to be exact ) and spoke with the property manager. She informed me she never received any type of dispute from Collection Bureau Inc. At this point the CFPB should investigate and shut this company down by responding with false and fraudulent  information. The managers admitted via phone they don't have any documentation stating they reached out to the property. I would like for this company to provide a response with the current date XX/XX/2020 documentation. My next step will be contacting an attorney and taking this company to court and letting the judge listen to the phone call from today XX/XX/2020 in which the supervisor admitted they don't have any documentation from XXXX XXXX. Also, I did not sign a lease with this company I would like to SEE MY SIGNATURE ON THE LEASE that signature on the lease does not belong to me. Its a computer generated signature its not my signature. I would love to take this case and file to court. I wasn't even in town when this lease was generated I was in XXXX, MN at the XXXX XXXX having XXXX. Please provide to the CFPB a copy of the lease and a copy of my drivers license which shows my signature. It does not match because I did not sign a lease with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERM S AND CONDITIONS OF AGREEMENT And ADEQUATE ASSURANCE OF DUE PERFORMANCE THAT XXXX XXXX  DID NOT BREACH AGREEMENT From : I, hereinafter " Borrower '' To : XXXX XXXX, hereinafter " Alleged Lender '' Notice to the Principal is Notice to the Agent. Notice to the Agent is Notice to the Principal.

I, Borrower, hereby give notice to Alleged Lender for a request of confirmation of terms and conditions of the agreement and adequate assurance of due performance that Alleged Lender did not breach the agreement.

Alleged Lender agreed to the following general terms and conditions of the credit card alleged agreement : 1 ) Alleged Lender must use their money or credit as adequate consideration to purchase the agreement from Borrower to repay the loan.

2 ) Alleged Lender involved in the alleged loan did not accept anything of value from Borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan.

3 ) Alleged Lender must follow generally accepted accounting principles as required by CPA audit opinions.

4 ) The intent of the agreement is that the party who funded the loan is to be repaid the money.

5 ) All material facts are to be disclosed in the written agreement.

6 ) The cardholder must repay the loan in the same specie of money or credit or thing of value the financial institution involved in the loan used to fund the loan check or similar instrument, thus ending all interest and liens.

7 ) The loan transaction does not create the economics similar to stealing, counterfeiting and swindling.

The agreement that I entered into has the above seven elements in it.

According to the bookkeeping entries, Alleged Lender breached all seven basic elements of the alleged agreement and then Alleged Lender concealed material facts of the alleged agreement. I am demanding adequate assurance of due performance that the above seven elements are part of the alleged loan agreement or I demand that Alleged Lender return a zero loan balance. The proof that Alleged Lender breached the agreement is that both your assets and liabilities increased, proving that Alleged Lender recorded a loan from Borrower to Alleged Lender and then returned the loaned money from Alleged Lender back to Borrower, falsely claiming the money returned to Borrower is a loan from Alleged Lender to Borrower. Alleged Lender did the opposite of what was advertised and agreed to and then concealed the fact that Alleged Lender accepted money or credit or thing of value from Borrower that funded a check or similar instrument in the amount of the alleged loan.

This notice will remain as fact of the elements of the alleged agreement and the breach of Alleged Lender unless Alleged Lender disputes this notice within 10 days. According to 15 USC 1602 only a natural person can extend credit. Banks do not extend credit. " Credit Card '' is defined as a license plate, ID, or social security card account number to extend credit. 

Signed, Authorized Representative/ XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I mailed a certified letter with supporting documents to XXXX  disputing the account status of two accounts that were included in bankruptcy. Both accounts are currently reported at Charge Off which is inaccurate, since the two account were included in my bankruptcy. ( USPS tracking # XXXX shows that the letter was delivered on XX/XX/2019 ). Ive disputed the accounts twice, and XXXX   refused to correct the account information. Instead, XXXX  entered a comment on both accounts that states " consumer disputes account ''. 

On XX/XX/2019, I mailed a certified letter with supporting documents to Experian disputing the account status of two accounts that were included in bankruptcy. Both accounts are currently reported at Charge Off which is inaccurate, since the two account were included in my bankruptcy. ( USPS tracking # XXXX shows that the letter was delivered on XX/XX/2019 ). Ive disputed the accounts twice, and Experian refused to correct the account information. 

XXXX  is the only credit bureau that is accurately reporting the two accounts at issue. My XXXX  credit report shows that the XXXX and XXXX accounts were both included in bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Phoenix Financial SE added a derogatory mark on my credit report per XXXX XXXX, XXXX  app and annualcreditreport.com. Upon further research this account was transferred/sold and I am and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA Phoenix Financial has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Vehicle loan or lease

XX/XX/XXXX loan amount {$100000.00} I was approved for the loan The dealership wanted me to put down $ XXXX as a finance charge to me who is the consumer buyer I explained law 15 us code 1611 Truth in lending statement and by them taking my information makes makes this a consumer transaction I also reference law 15 us code 1611 they also violated : failure to disclose, misleading saying false information, making cash part of a consumer transaction and I am not the one getting paid cash, also threats about them taking back the loan, I asked to see truth in lending statement he handed me a paper I took a picture of it then I asked to speak to finance manager to find out what my APR will be couple minutes later he came back and out of nowhere they said they denied me and they dont care what type of money I make to put down on the vehicle it wasnt giving it to me I would like to file : c & d, revoke of signature, affidavit of truth, debt validation I also like ownership of the property XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Plus finance charge {$80000.00}, {$1000.00} Per violation at least three, {$5000.00} for my time
Product: Consumer Loan

During my time in XXXX XXXX, the company I worked for forced its employees to take out loans for housing. Unfortunately, the workplace was abusive and I quit to move back to the States. The loan company there sent the loan to a collection agency in the states. After speaking with the collection agency here, I told them I was n't working. They continued to call me. Recently, they called my daughter. I have no idea how they got her numbers, but I called the collection agency and told them to stop calling me and my daughter. When I spoke to the collection agency, they said they had no record of me or my daughter. Recently, my daughter told me they called my mother. 
I told them more than once I was forced to take out the loan and they need to speak the with company that forced me to do so because I 'm not responsible for the loan, the company that forced me is responsible. They continue to harass me. When they call now the number comes up on my caller ID as unknown. They call sometime two or three times a week or more. They have called my daughter twice and my mother once. When they called my daughter and mother the number on the caller ID came up as unknown too. 
If they do n't have a record of me, why are they continually calling and harassing me? 
Their employees tried to bully me : one employee suggested I take out loans to pay this loan, borrow money from family, and go back to an old job from about ten years ago while asking me what I planned to do about this loan. I reiterated the loan was the problem of the company who forced me to take out the loan and that 's who they need to speak with.
Product: Checking or savings account

XX/XX/XXXX - I opened a Priority checking account ( account # XXXX ) with Hancock Whitney using promo code XXXX. The opening deposit for the account was {$55.00}. 
XXXX - I send a XXXX transaction of {$2500.00} to work towards the minimum balance of {$5000.00} to avoid fees on the new account. 
XXXX - I send another {$2500.00} via XXXX to meet the {$5000.00} minimum balance to avoid account maintenance fees. 
XXXX - I am able to verify my trial deposits with Hancock Whitney for my XXXX XXXX and XXXX accounts so I can make external transfers between the accounts. 
XX/XX/XXXX - I am no longer able to access my account or online banking and I am not provided notice from Hancock Whitney either by call or email on what happened to my account and why I can not access it. 
XX/XX/XXXX - I receive notification via email that my direct deposit of {$550.00} has been deposited into my checking account. I call Hancock Whitney regarding my account and I am eventually transferred to XXXX XXXX, Assistant Vice President, Digital Relationship Banker. XXXX tells me my account has not been closed, but it is on hold due to the XXXX transactions. She asks me to send her the corresponding bank statements from where the XXXX transactions originated. We hang up and I immediately email her my bank statements from these accounts that have been open for over XXXX years. She emails me back and says she will reach out once she has an update. I still do not have access to my funds or online banking. 
XX/XX/XXXX - XXXX email XXXX again regarding my account and she notifies me she is still waiting on a response, even though I am given no means to access or manage my account or my funds. 
XX/XX/XXXX - I receive an email from Hancock Whitney to " rate my experience '' regarding my account closure even though I never initiated such a thing XX/XX/XXXX - I reach out to XXXX again regarding gaining access to my account and have not received a response. I am still not able to access my funds or online banking. I still have not received a notice from Hancock Whitney regarding this incident.