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

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX BalanceOwed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/2022 XXXX
Product: Checking or savings account

US Bank closed my checking account in XX/XX/year>. There is a balance in my checking account that they refused to disburse to me directly. They told me the moneyi is in the account awaiting for the original company to process a Reversal/Recall of funds. The original company is XXXX XXXX XXXX. XXXX XXXX XXXX emailed me back in XX/XX/year> stating that they can not process Reversal/Recalls of funds. Therefore my funds are still stuck in US Bank. US Bank refuses to help me any further. I am frustrated because US Bank has my funds sitting in the closed account and no one will assist me.
Product: Credit card or prepaid card

Hi! 
Since I travel overseas a lot for my own safety I requested to have the paper statement sent to my address indicated on the card application which is also my residence/business address. 
I have called the Barclays USA twice. On the first approach I was told that despite my credit cards #, the card can not be located and that is the " glitch ''. 
When I was transferred to the supervisor I was then told that the credit card # is not enough and it has to be accompanies with variety of other info in order to pull out the info on the card. When I asked why since the each individual card has a distinct phone number and that alone should be sufficient to locate a customer I was then subsequently and without warning disconnected. 
On the second approach I again verified all the info on the account and I was informed that the account can not be located. When transferred to the account supervisor I was told that the CSR will not help me but he can help me get an online access so I can do it ... ... .myself. Mind you all I am asking for is to receive a paper statement, only.. 
I believe that this situation is also racially motivated as the manner of behavior of the CSRs listed fits standard racial stereotypes which are neither professional or respectful to the degree where the customer service function is not provided and the lack of thereof is blamed on the customer. 
So in other words can the Barclays USA be kind enough to send me a paper statement since its online system is not functioning due to " glitch. '' I also hope that this situation will help Barclays USA to institute a basic elements of customer care which would require a minimal customer service standards which need to be met : i.e. please respect the customers that give you business. Or perhaps since the bank has received a XXXX XXXX bailouts it now thinks that the institution is run for the benefits of its employees ( shareholders were already screwed so they don't matter ) and not customers. I hope this also helps the bank to rethink its US side corporate structure that allows this pathology to persist. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I applied for a Chase credit XXXX. I received a letter in the mail on XXXX stating that my application was denied due to suspected fraud. My credit has as a hard inquiry reflected on credit karma. My concern is that if Chase did not believe I was the applicant why was my credit ran? That should be the first step in the application process not running my credit then back tracking. I contacted Chase via telephone XXXX and answered security questions and submitted requested documents. The document I submitted was a copy of my current valid drivers license which has my current address on it. I received an additional letter on XXXX stated that my application was denied due to suspected fraud. I called Chase via telephone and Chase would not provide information on why Chase suspected fraud in an attempt to resolve the concern. Chase told me that my application was completely void and Chase was unable to view my application. Chase told me to go to a Chase bank in person to apply. I asked to speak with a supervisor and Chase said that they were the last person I could speak with. I ended the phone call. My credit score is lowered by XXXX points now on credit karma due to this inquiry. I was not provided my credit score from Chase. I was not provided information on which credit bureau ( bureaus ) my credit was ran from by Chase. I was not provided any information on how to obtain a copy of my credit score information. This is not in compliance with the Fair Credit Reporting Act.
Product: Debt collection

A debt collection agency has repeatedly called me first thing in the morning XXXX waking me up ( I work the late shift ) seeking a debt collection from a XXXX XXXX? I have tried several times to call the number they provide ( XXXX ) to remove my number from their list but it brings me to a dead end and disconnects. I have an old answering machine so do not have a caller ID. Please make them stop. 
Thank-you!
Product: Checking or savings account

On XXXX, an Incoming Wire of {$3100.00} was sent to my checking account at Truist Bank. This was sent using the historical SunTrust Wire instructions. The Sender ( XXXX XXXX  ) provided Wire Transfer Confirmation showing that the XXXX XXXX was successfully processed on their end on XXXX. 

On XXXX, I went to the Truist Branch in XXXX XXXX and spoke with Branch XXXX XXXX XXXX. I provided him a email from XXXX XXXX containing the {$3100.00} Wire Transfer confirmation on XXXX & he followed up with XXXX XXXX department & told me to check back the following week. 

The following week, I followed up with XXXX and was told that this domestic Wire could take until XX/XX/XXXX to hit my account. I asked him why so long & he said that was what the XXXX dept had told him. I told XXXX that it doesnt make sense for a domestic wire to take more than a week to clear. XXXX told me that there was nothing that he can do. 

I called the Truist Customer Service line & after waiting for 40 minutes on hold, was told that the Customer Service team can not provide information about Wires. I was given the phone number for the Truist XXXX XXXX XXXX when I spoke with the Wires Manager, she told me that she can not provide me any information about my Wire since Customers are not supposed to call the Wire desk. No help whatsoever! 

On XXXX, I went to the Truist Branch in XXXX XXXX, FL. After a XXXX hour Wait in line with other problem-riddled Truist Customers , the Branch Manager called the Truist Wire desk and enquired about the {$3100.00} Wire. After what seemed a half-hearted attempt, The XXXX desk says that it was unable to locate the XXXX & the Branch Manager suggested I make an appointment next weekNothing else she could do! 

At this point 2 weeks have gone by & my {$3100.00} incoming Wire is missing. I dont see anyone accountable/acting responsible to resolve any issues. I Banked withSunTrust for many years & their Bankers were always able to find solutionsbut within a short time after the Truist merger, I am missing money & have no confidence in this Bank.

Very dangerous to have unsupervised kids playing with my Money & no-one accountable to answer where is my {$3100.00} Incoming Wire
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These following late accounts should be corrected right away : XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX  XXXX Balance : {$28000.00} ; XXXX XXXX Balance : {$30000.00}.
Product: Credit reporting or other personal consumer reports

I have repeatedly tried to resolve this matter with LVNV FUNDING LLC c/o Resurgent Capital Services . They have willingly and knowingly commit fraud, and continue to violate my consumer rights. They are in clear violation of the FCRA & FDCPA totalling in over {$20000.00} in damages. Since reinvestigation has been completed, and indebtedness has not been proven I demand these accounts be removed within 5 days. I have attached my notarized estoppel letter as well as my notice of previous disputes of failure to validate debt, and now I will seek damages if this can not be corrected.
Product: Credit reporting or other personal consumer reports

I asked Transunion to fix issues with items on my credit report not reporting 100 % accurately and not having permissible purpose for reporting to my file. The FCRA requires all information be reporting with 100 % maximum possible accuracy and with permissible purpose. Their so called " investigation '' hasn't fix a single issue on my credit report. It's been well over 30 calendar days since my last attempt ( s ) to fix this issue. It has been very detrimental to my health, because I am an XXXX XXXX and lately the accounts have been taken a heavy toll on me XXXX, because the accounts are inaccurately reporting, and adversely affecting my financial well being in a major way. Please remove or correct these negative accounts at once.
Product: Money transfer, virtual currency, or money service

My son created me and my husband a Venmo account. He proceeded to send the account he made for me {$500.00} for XXXX  XXXX. A did not know how to withdraw the money from Venmo so he showed me how to add my card to my Venmo a few days later. When I attempted to withdraw my money, Venmo suspended my account and said I was fraudulent. I provided them my social security, Id, all the information they could need. They told me theres nothing they can do and my money is gone. I have been trying to fight this since. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC SXXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

At four times over the past two months and twice in the past week I have been totally shut out of accessing my funds in my NFCU accounts. 

I have several accounts and about {$300000.00} cash in these accounts. I need to move money to pay my tax returns and to meet other obligations. 

Over the past week I personally have on the phone with them literally three hours to no avail. They have recorded call data to substantiate my statements Further in XXXX my NFCU debit card was compromised and they use the same data to verify me ( DOB, SSN, etc! )
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ) XXXX XXXX XXXX - XXXX Has violated my rights. 

I looked at my Transunion Credit Report on XX/XX/year> and noticed this is incomplete and inaccurate. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ) they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general, after any investigation under paragraph ( 1 ) if any information disputed by a consumer an item of information is found to be inaccurate, or can not be verified, the consumer reporting agency shall ( 1 ) promptly DELETE THAT ITEM of information, based in the results of the investigation and notify the furnisher of that information has been modified or DELETED from the file of the consumer. 
And according to XXXX, they are not to furnish any info relating to a Consumer Reporting Agency if the information is innaccurate.
Product: Checking or savings account

The company I work for, XXXX XXXX XXXX XXXX XXXX, based in XXXX, NJ, sent via ACH a direct deposit in the amount of {$1200.00} from our company bank to my American Express Bluebird checking account on XX/XX/2018 at approximately XXXX XXXX The funds should have been available on Monday XX/XX/2018 XXXX the next day has always been customary with these types of transactions in the past ). It is now nearly XXXXXXXX XXXX on XX/XX/2018 and not only are the funds not available, but American Express, who has acknowledged the funds are there states that " your funds are safe '' and they are working with their partners to resolve the situation. They acknowledge " an interruption to direct deposits affecting Personal Savings,  Bluebird, and Serve customers ''. I need MY money ASAP - I have bills to pay. American Express being sorry for any inconvenience this may cause is not paying my bills. Please look into this immediately.
Product: Checking or savings account

At the HSBC website, I saw they had an offer for 3 % cashback of my payroll deposits up to {$100.00} bonus each month for 6 months ( {$600.00} total bonus ) when opening a new checking account. The website said that I'll be automatically eligible if I sign up using the link. I did everything exactly as instructed and deposited my paycheck directly from my employer to this account over {$5000.00} each month from XX/XX/XXXX to XX/XX/XXXX. 

I checked the status of this bonus with their customer service over 5 times starting in XX/XX/XXXX. The first time the agent told me I need to wait one more month to receive the bonus. After a month I contacted the customer support again and they asked me to wait another week and get back to them. I did that and they kept asking me to wait one more week again and again over 5 times.

They promised me each time they'll fix this issue which could be due to some technical glitch. And finally today after 6 months of wasting my time and effort, they said they will not give me any bonus because I did not use the correct promo link to open the account ( I did use the correct link from their website as instructed ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, sending you this complaint to seek your assistance in blocking this account from reporting on my Credit Report. This is also to inform you that I am working on my file personally and I have not hired any Credit Company to work on my files. 

I have a loan with XXXX. I have always made my payments on time yet there was a XXXXday late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX Equifax are in violation According to 15 U.S. Code 1681a - Definitions ; rules of construction states Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. The following accounts are in violations for reporting such information without consent. XXXX XXXX Bank Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX & XXXX, XXXX XXXX XXXX  Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 my vehicle loan with XXXX XXXX XXXX was paid off in full, after the loan was paid off. XXXX XXXX XXXX decided in bad faith to charge off without any balance the loan and immediately reporting to XXXX, Equifax and XXXX  the Charge off. 
On XX/XX/2020 I contacted XXXX XXXX XXXX of this discrepancy and told them the account has been paid in full, to please correct the information. On XX/XX/2020 they reported on the credit bureaus the loan as paid in full/Charge off which is still false information because it is paid in full the was no amount charged off. 
On XX/XX/2020 XXXX XXXX XXXX again put false information on my file again they put the Charge off again in the amount of {$12000.00}. When they were paid {$12000.00} on XX/XX/2020. 
Another false reporting on my credit file is the date of the last payment was XX/XX/2020 when it was actually XX/XX/2020. 
The damage the was done I applied for a loan and was denied because of XXXX XXXX XXXX misrepresentation reported to the bureaus.
Product: Debt collection

CAINE & WEINER Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in NYS but in the City of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices. 
Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY 140-1License required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''