23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I called Citibank to obtain information on how to tell if a check is fake. I told the representative that I had a check sent to me through email from a freelance graphic design client and that they told me to take a picture of it on the screen to deposit it. I asked if there was a way to tell if it was fake since it seemed a bit sketchy to me. He said, " If the mobile deposit accepts the check then it's real. '' I then received an email that the funds had been received and two days later that the funds had been accepted. I called Citibank on XX/XX/XXXX again to verify that the funds were there and available. My client wanted me to forward some of the money to their printer, I realize that can be a scam tactic, so this was my way of double-checking. I was again told that the funds were there and the check was accepted. Because of this response, I accepted a second check from this client in the same format. Out of extreme caution, I called Citibank one more time two days after that, XX/XX/XXXX. For the third time, I was reassured that the check was valid and had been accepted. Due to this response, I went ahead and forwarded {$850.00} to the printer. Two days after that, my check was declined and the funds were withdrawn from my account. I am currently unemployed and have been sick with an as-yet-to-be-diagnosed illness for 2 1/2 months, so I was counting on the two checks to get me through the month. However, once the funds I was told three times were " there '' bounced, I ended up being overdrawn by {$230.00}, and this was before the second " accepted '' check bounced. When the first check bounced, I called Citibank and asked how that could be since I was told three times over six days that the funds were viable. The response was, " Well there's still a chance the check can change and be returned. '' I asked why I wasn't notified of this any of the times I called and was told, " Sorry for the inconvenience, that just happens sometimes. '' No matter what I asked or explained about the situation after that, I got the same response. I tried calling my local branch and was told they do not handle such situations, they told me to call the main number and get connected to the fraud department. I did that and after I explained the situation, I got the same response of " Sorry for the inconvenience, you should try bringing the check to your local branch. '' I had already explained that I didn't have a paper check and when I reminded her, she said the same thing. The whole situation is infuriating and I believe Citibank had an obligation to inform me that the check still had the potential to bounce.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX Balance Owed : {$110.00} XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

Genesis FS Card Services XXXX XXXX XXXX XXXX, OR XXXX is applying a 14-day hold to ALL of my payments under the pretense of ensuring the transaction clears my bank. This is 100 % a lie. The payments being made are coming out of my checking account directly in one or two days at the most. Additionally, this Credit Card has very POOR English-speaking customer service agents that make discussing this impossible. If I were mailing a check, I would understand. I also pay my balances off immediately as this is my only Credit Card and I rely on its liquidity to use for various reasons. Additionally, Truth In Lending should require Genesis to provide some written estimate of when the payment will be applied. Instead, I have to call a non-English speaking person and ask when. Many times the males tell me this is a service that is not performed. It is only when I speak with a female, my request is provided verbally and the hold is placed at a maximum.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Today I recieved a call from a debt collector XXXX XXXX saying they were going to collect a medical debt from XX/XX/2017. I have not lived in the state of ohio for years and this debt is not mine. They said it was submitted by XXXX XXXX XXXX for a XXXX XXXX ( NOT my dr ) and the address used was for a house that we have not lived at for years. This is a mistake. I emailed the billing department of XXXX XXXX XXXX to try to clarify, but I want this taken off my credit report and they need to remove the debt from my name ....
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM  data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}
Product: Debt collection

Ive requested a debt validation letter and they have ignored me. I requested in writing not to be contacted about this debt and theyve ignored me. They are calling multiple times in one day and often back to back. They refuse to validate debt and stop collecting efforts. DESIGNED RECEIVABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX '' HI opened a credit card with American Express on phone and was told that if I get approved I shall get the bonus points after fulfilling the requirements which I did. In course of fulfilling my requirements I asked few times if I shall get the bonus points and I was told yes by the representatives. After fulfilling my requirements I asked for the bonus points and I was forwarded to a supervisor who told me that as I previously had this card and even though I never got the bonus but I cancelled it I wo n't be getting the bonus. 
I humbly think that this is not right and not fare as the bank should not had issued me the card first place and the representatives should had warned me that I wo n't get the points. Doing so only after I fulfilled my requirements and being told by the representatives is misleading and leaves a very bitter taste and feelings. 
If I do n't get the promised bonus points I feel myself free to pursue other justice options
Product: Credit card or prepaid card

I applied at US BANK for a business credit card on Monday XX/XX/XXXX and received an email on Weds XX/XX/XXXX that I was approved for a credit limit of {$3000.00}. When you apply you can not request how much of a credit line you need. It's a random number that's given to you by the bank. 
I called to get a credit line increase today, XX/XX/XXXX, and I was told by the Analysts Dept. at US Bank that in order for them to process the request to try to increase my credit limit they will need to pull my credit, again, after not even 5 days have past. And they can not move forward with the request unless they pull credit, again. 
I don't see how is this ok, since that already have my credit report from when it was pulled on XX/XX/XXXX. I blindly apply for a random number they give you and then they have to pull credit, again, a 2nd time just for them to try to increase it. If I knew they will have to re pull credit for a credit line increase after I had just applied, not even a week passed, I would have never done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX and the Department of education. Listed on my consumer profile. The Accounts are all reportintg the same account numbers. 

There are multiple accounts with the department of education and Navient showing the same account number and reflecting different information. 

some accounts are saying paid and closed with late payments. I was not late on any payments. 

I want would like these accounts removed because it is harming me. And not accuractly showing my credit worthiness. I would like to buy a house in my future. 

I have tried contacting and disputing these accounts and they ignore me. I have tried calling and and both compaines point the finger at each other. Lately i just have been ignored. 

XXXX shows 4 accounts with the account number : XXXX showing two accounts for the same date of XX/XX/XXXX paid & closed with same orignal balance of XXXX, the second & third account for navient states they were opend on XX/XX/XXXX paid and closed with a orignal blance of XXXX, and the second one stating a orignal balance of XXXX. 

In addition i have the the Department of education showing the same account number as XXXX : XXXX with two accounts saying they were opened on XX/XX/XXXX paid and closed with orignal balance of XXXX and the second one showing a balance of XXXX claiming they recieved late payments which is false. 

Then there is a third account with the Departmet of education showing account number : XXXX saying it was opened XX/XX/XXXX and has a balance of XXXX. In good standing and no late payments. 

These compaines have violated the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They never sent me any proof of debt validated or contractual agreemnet between there company and I. I aslo requested for names and addresses of every person who they spoke with about these accounts. I never recieved any information. 

In addition they violated the 15 U.S.C. 1681b - Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report Im tired of being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It May Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that had discrepancies. Under the Fair Credit Reporting Act, I have the right to challenge anything I am not sure is accurate. Some of the companies reporting on me I have never heard of in my life. 

In accordance with the Fair Credit Reporting Act the companies listed below 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. Section 1681i ( a ) States that if proof can not be provided, the accounts must be deleted. 

XXXX XXXX XXXXXXXX Card Acct # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX I have reached out to all companies and all credit reporting bureaus.
Product: Checking or savings account

I did three purchases of {$52.00} on XXXX back in XXXX from the same seller and turned out he was a scammer. XXXX messaged me the next day saying the sellers account had been removed for fraudulent purposes. I filed a claim with bank ( Navy Federal Credit Union ) thinking they were above XXXX and XXXX. 

They gave me a temporary credit to my account in XXXX and on XX/XX/XXXX, I received an email from Navy Fed the claim was not resolved in my favor because the merchant had provided tracking numbers. Therefore, I would have to pay the credit back. 

All they had to do was realize those tracking numbers were not even going to my zip code and the weight was way off. All three XXXX tracking numbers were going to my city, BUT DIFFERENT ZIP CODES. The XXXX representative said all three were XXXX packages, not XXXX. To top it off, I had purchased three gallons of epoxy, yet all three packages weighed no more than 2 pounds. 1 gallon weighs around 8 pounds. 

All these red flags, proof from XXXX it was fraud, XXXX XXXX representative on the line with Navy Fed that corroborated my story and still Navy Federal did not want to reopen my case and I am stuck here scammed.
Product: Checking or savings account

On XX/XX/XXXX I paid my mortgage with XXXX using my Navy Federal Credit Union Checking Account. At the time of the transaction my available credit was more than enough to cover the {$970.00}. I was also tracking the pending transaction I had on my account because Navy Federal CU tends to hold pending transactions for 3 or more days which doesnt make sense. 
On XX/XX/XXXX I received an email my payment was returned. I had enough money in my account. I called the bank and they told me I didnt. I asked for a transaction list with time stamp which I have not received to date.The report would allow the customer to see how Navy Federal applied transactions to their account by date and exact time and would reflect an accurate available balance. And I was charged a {$29.00} fee. If the payment was paid why am I being charged a fee? The response was because the payment was returned. I expressed I can see TD Bank charging me a fee but what is Navy Federal charging me for? There was no action required. 
Due to this scam, XXXX XXXX reported my mortgage late 30 days and is reflecting a negative report on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian and XXXX  multiple times about a false account appearing on my credit report. Attached proof of letter sent along with pictures of certified mail, return requested proof.
Product: Debt collection

I was contacted by a  XXXX   XXXX   XXXX  at JJ legal processing via phone and left me a voicemail, stating if I do not contact them him immediately that this will be my final opportunity to resolve my issue, he proceeded to say that I have  XXXX  counts of financial fraud that is equivalent to check fraud, never in my life have I been accused of this, then he proceeded to call my place of employment and told them that he was an  officer of  some sort and I need to contact them immediately, left a number of  XXXX  and file number. I call the number ends up being a representative of the website mentioned above also goes by Texa s Acceptance, LLC an d he proceeded to say that he look up my records and shows that I have never be in trouble for the financial fraud, I proceeded to say I know  XXXX   XXXX  I have your badge number because you stated that you were an officer and he then said would you like me to call the  XXXX   county court house, I  said yes please, because I would like to know what 's going on. He proceeds, we wait on the line, no one answers, he hangs up, so Then he disclosed who is representing and that if I intend to pay, I was like due to my financial situation, I can not at the moment, then he stated something about my bank account and I stated that I closed it. Then that upset him and I told him I am going to contact a lawyer because I know my FDCPA rights and that is illegal to say he is an officer of some type at the beginning and threaten me and wrongful accuse me. I contacted a lawyer office and I was told next time they call for me to tell them I am reporting them to the FBI for impersonating an officer and against the law to keep harassing me
Product: Checking or savings account

In XXXX of XXXX my wallet and cellphone were stolen. In XXXX of XXXX I called cash app support to try gaining access to my account. I provided them with all the information I had. They pulled up my account and gave me the balance. I did everything they asked of me including verifying my identity and while they tried to get me in my acct I was hung up on after a 45 minute call. The next day I called again. I went through the process again and then was told they couldnt grant me access to the account. I asked if they had a supervisor I could speak with and the person hung up on me. After about a week I tried to call again. I asked them to unlock my card. The woman says it is unlocked. I tried to transfer the money to my XXXX because I have my cash app card connected to that already. It did not work. She said I would be granted a one time balance transfer. She also told me the balance was XXXX. After being on hold for about 10 minutes she said it was denied for security reasons. I dont understand how because every question she asked I was able to answer. The only information I can not provide are the card numbers because my card was stolen. I cant get in my account because my phone was stolen and I cant gain access to my email without a 2 step verification process. When she told me it was denied I asked what I needed to do to get my money. She said she couldnt help me any further. I asked who I needed to talk to then to which she replied the same response that she could not help me. I asked who her supervisor was and I was yet again hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The EQUIFAX Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XX/XX/2022.
Product: Bank account or service

Fifth Third bank but a hold on funds on my account for two weeks without informing me. IN the terms and condition it does say your funds are subject to a POSSIBLE hold of up to 10 days. I would think that the bank would be courteous enough to inform you if this hold is occurring on your account or not. They are not. They let me attempt to use the card and be forced to contact them to find out what was going on when the account did not work. I was given XXXX answers of why I got a hold by Fifth Third. 1 was that I was a new account and they had to verify the funds and the bank was the only ones who could do it. The second was that the account was overdrawn and that because the I made the deposit through the ATM that the atm automatically held it for XXXX days. The third was that since I deposit the check yesterday but it was dated for today they held it to make sure the funds would post. I left with complete confusion as to why my account was placed on hold. I still did not receive a answer and the staff in the mean time were extremely rude to me. I was hung up on twice and when I specifically requested a letter stating that their decision is preventing me from being able to pay creditors I have and they denied the request. My issues is not the policy my issue is the Bank not informing you when your account it put on hold and when asking not getting one clear answer.
Product: Debt collection

I never received early warning notice from collector. I called the collection agency and they I advised them that one of the bills was never sent to my health insurance, the young lady stated that they sent It to XXXX XXXX, I explained to her that I had XXXX at the time and provided the insurance information. She stated that they will not remove it from my credit report but will bill the insurance company and it may get denied for timely filing and if so then I will have to appeal it with the insurance company. I explained to her that they have 365 days from the date of service to send a claim and that at the time I went to the hospital I provided my insurance card and the hospital still submitted the claim to the wrong insurance company. I also told her that I never received and early warning notice in reference to neither of the bills, therefore not giving me a chance to validate the debt.
Product: Debt collection

I have requested for proof of licensing to collect in the state of Colorado. In the state of Colorado by law debt collectors must have a license to be able to collect in the state. This entity has no license in the state of Colorado to collect a debt which is illegal.
Product: Student loan

I do not understand the balance of my student loan, the amount is more than what was told to me and I an not seeing a decrease with my payments. Also I have been making payments, but I keeping getting late payments reports on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were was found in my reports. The XXXXExperian/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$200.00} TransUnion : XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Balance : {$200.00}