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

I did not authorize anyone employed by XXXX XXXX  OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. Equifax is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the Equifax data breach publicly known.
Product: Credit card or prepaid card

Discovered closed acct with out my consent and for no reason. After attempting to make pmnt thru bank. Pmnt returned due to funds not avail yet. I tried to remake payment they stated acct closed!. I asked why?. They said over limit! 
I said thats no reason to when ive made several pymnts since i received card.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. Please verify or remove immediately the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX  Inquires are incorrect and I didnt apply for any cards : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Correct address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Address is incorrect I never lived at this address : XXXX XXXX XXXX XXXX, XXXX, XXXX I ask to see the original contract Please remove this inaccurate information from my credit report. 

Key inconsistencies are found in total accounts, open/closed accounts, debt in collections, and hard inquiries. Experian is missing a significant amount of account data, especially for revolving, installment, and collection accounts. Additionally, name and address formatting is inconsistent across the bureaus, and Experian lacks crucial personal and account information compared to Equifax and TransUnion. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation immediately and delete Significant inconsistencies exist in the payment status, responsibility, and times late categories. Experian is missing almost all relevant information, which further creates discrepancies across the bureaus. Additionally, TransUnion reports missed payments while Equifax reports charged off status, creating conflicting data.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. per section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

The account XXXX XXXX XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - Statement of dispute required by CRA after 30 days following a reinvestigation. No statement was issued that this account was in dispute so how can it even be verified if it's not listed as disputed? Its been way over 30 days and still no results on any investigation. Cleary my dispute wasn't taken seriously and my rights as a consumer have been played with like a child. This has been causing my family stress that we can't move due to these accounts. I thought a CRA had 30 days to complete a full investigation please detail me on why the law has been violated? 

This has been an ongoing issue with no resolution. How is this account even reporting while the United States Bankruptcy Court reports to no one? If you are unable to explain how you obtained this information, please delete it. If you can not provide a letter from the court, or any form of communication showing they validated this, then please delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit rating went from XXXX to XXXX. Upon requesting a copy of my credit report, I discovered 7 accounts on my report that I did not open and was unaware of. Six ( 6 ) of which were opened within a 3-month period in XXXX between XXXX and XXXX An adult relative received promotional pre-approved offerings via email and postal, and in each instance the offer was personally addressed to them. The recipient applied for the offers based on an acceptance code in several instances, providing their personal info, not knowing or expecting any connection to my credit report or SS #. 

XX/XX/XXXX - My low interest rate credit card was cancelled due to my credit report. I requested copies of my credit report from credit reporting agencies and found 7 accounts that I did not open or request. 


XX/XX/XXXX - After receiving and reviewing my credit reports, I contacted XXXX  by phone to dispute accounts and explained what I believe transpired. 

XX/XX/XXXX - XXXX  completed dispute XXXX  XXXX was removed from my report {$1000.00} XXXX XXXX removed from my report -- they were also contacted directly by me prior to contacting XXXX  {$6800.00} XXXX/XXXX XXXX - they said they reported accurately {$1000.00} XXXX/XXXX  XXXX - they said they reported accurately {$540.00} XXXX/XXXX  XXXX  - Closed but referred to collections so I initiated new dispute against the collection agency XX/XX/XXXX {$800.00} XXXX XXXX  XXXX XXXX - Initiated another dispute XX/XX/XXXX {$510.00} XXXX/XXXX  XXXX  - This was previously closed for inactivity and no late payment activity, but not removed from my credit report. {$0.00} ( I also called XXXX XX/XX/XXXX but was not able to get it resolved and removed from my credit report since it technically isn't in my name, but the relative 's name! ) XX/XX/XXXX XXXX/XXXX  -- I contacted them to explain the discrepancy and to ask them to remove from my report, but although they have my Soc Sec # tied to the account, they won't talk to me because it's not in my name. They will not tell me ( or may not know ) how my name got tied to the account and who was the database source of the promotional offering that they solicited the relative with. 

XX/XX/XXXX - Attempted to remove the relative 's name, addresses and phone # 's from my credit report under " known as '' or " other addresses '' or " other phone # 's '' but apparently I can't do that either.
Product: Debt collection

In XX/XX/2018, I pulled my credit report and was shocked. There were several collections accounts from a company called Transworld. I wrote them a letter in efforts to try to validate this alleged debt. To date I have not received any response. The letter was delivered to Transworld on XX/XX/2018 and signed for by XXXX XXXX. 

There was not A RESPONSE IN 30 DAYS after XX/XX/2018, therefore this needs to be deleted. 

The account was not validated within 30 days of requesting validation. See postal documentation showing when the request was signed for in XX/XX/2018! 

Delete from all credit bureaus
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I filed XXXX  XXXX bankruptcy. The bankruptcy included a credit card from Revvi. In the months following the bankruptcy, I continually checked the balance on the card and contacted Revvi via phone, email, and even sent a direct email to the CEO. Besides the runaround on phone calls, nothing was done. I disputed the negative reporting on my credit reports. XXXX and XXXX removed the remarks from my credit report for Revvi, who at that point was reporting my payment 120 days past due. XXXX responded saying the credit card company was correct in their reported information. This went on for at least two requests with XXXX and over 10 contact attempts to Revvi. Nobody would help me. 

This complaint is for both XXXX for their lack of investigation into Revvi 's reporting and Revvi for their incompetence of removing the balance of the credit card and falsely reporting late payments to CRAs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a complaint with CFPB in reference to a tradeline on Equifax which was reporting on my file multiple times ( 4X ) with XXXX XXXX XXXX Account number XXXX. Equifax responded to my complaint on XX/XX/2020. According to my Equifax report this tradeline was deleted from my equifax report as of XX/XX/2020 as you can see from my equifax credit report attached to this file and my XXXX XXXX report on XX/XX/2020 and my XXXX XXXX report on XX/XX/2020. As of XX/XX/2020 Equifax reinstated this tradeline without sending me a 5 day notification. This is clearly a violation of FCRA section 611 : ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 credit reporting agencies on XX/XX/XXXX and XX/XX/XXXX to inform them that numerous inquiries on my report were due to an error. I called the company which was a car dealership by the name of XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX, NC that was responsible for having my report pulled by numerous finance companies. I spoke with the Finance Manager by the name of XXXX XXXX that searched their systems and confirmed that they did not contain any information on my name or social security number. He confirmed that my information had been pulled in error and that I did not give permission for my credit to be pulled by his company. He stated that he would send in a letter to the 3 credit bureaus but when I tried to check the status of that process being completed a few days later with XXXX XXXX I was informed that he had a family emergency and would be out of work for some time. Each time I spoke with representatives at each credit bureaus they read me the same statement about " inquiries being factual data ''. I understand that but it means nothing if I did not authorize my credit to be pulled by this company which results in many inquiries being reported on my credit reports. I requested by verbally disputing, written disputes sent by certified mail, also online with each credit bureaus dispute option. After the dispute is completed I am getting the status as " verified '' which is impossible if the company has already confirmed that my information was used to pull my credit reports in error. I believe that the credit bureaus are not investigating my concern and I would like these inaccuracies removed immediately from my credit report.
Product: Debt collection

I was contacted very a voice mail on XX/XX/22. I was notified by a process servers office that I needed to contact a company about a a lawsuit regarding a credit card debt. I do not have any credit card debt!!! I was told the amount is XXXX. If I would negotiate to pay XXXX they would accept that and asked to be paid immediately over the phone and I could pay with a credit card. I told them I didnt have the money and was told that I could use more then XXXX credit card to pay the XXXX. They threatened to put a lien on my car. They threatened to take me to court and it would cost me XXXX or more. 
I have reported this to the police!!! 
I have called all of the credit reporting companies and I have been told this debt allegation should be showing up on my credit report however, no debts!!! 
Case # XXXX and Credit card number provided by XXXX XXXX XXXX. Allegedly Citibank XXXX XXXX. 
Citibank collection dept doesnt have any record of this number or a record of me having a card.
Product: Bank account or service

I am writing this complaint to get help with the most bizarre banking experience I have even had. Two weeks ago my online account with Wells Fargo bank was suspended for no apparent reasons. I have been contacting various Wells Fargo departments including Loss prevention to find out about the reasons for such suspension. I stayed hours and hours over the phone to get detailed information about the issue but I was only told that my account is under review for 10 business days for suspicious activities. I kept calling during the two week period but received no explanation on the whole issue. Today I went to my branch in the city of XXXX, CA ( XXXX XXXX ) to get things straighten out and find out about the whole issue. To my surprise. I was told that my accounts with the bank are being closed including my credit card account which has been in excellent status. Again, I tried to get information and details about the whole weird issue but no information was given. I e mailed Wells Fargo asking about : - What is considered suspicious? 
- What activities were considered suspicious? 
- Who did these activities? 
- Why are my banking accounts being closed? 
- Why is my credit card account being closed despite my excellent payment history and responsible use of my account? 
It is worth noting that during my two week contacts with the bank, they kept verifying my information to make sure that it was me who is calling and my accounts has not been hacked and I assumed that the suspension issue was for my protection! It ended up that I was punished with no reasons given what so ever for the decision or the nature of the problem. 
I think I have a legitimate right to know the details of what is going on. The whole issue is frustrating and weird especially since no one in the bank is willing to provide information about what is going on. I request that my XXXX accounts ( checking + saving + credit card ) be closely reviewed by a senior specialist and full explanation is given on the issue. If the bank needs any explanation or have concerns on any activity, I am more than willing to provide all the details. Adopting a tight lip policy with no information given to me is really weird and unacceptable. The activities on my accounts are really limited and I find it very perplexing to stay on the dark on issue related to my own accounts, activities, and transactions. 
I expect Wells Fargo to officially notify me of all the circumstances surrounding this mysterious issue and decisions. Given the recent scandal and turmoil in Wells Fargo bank regarding fraudulent activities by its employee and possible identity thefts, I am entitled to know all the details regarding the nature of the suspicious activities on my account and the circumstances behind the decision made by the bank. I guess it does not make any sense to be a victim twice! The issue here is far beyond closing accounts : It is all about my rights to know the facts regarding my accounts with a bank that is struggling with suspicious activities and identity thefts acts by its employees.
Product: Money transfer, virtual currency, or money service

My father and mother are both died .my mom passed away XX/XX/XXXX and my father XX/XX/XXXX. They never asked for help, and I'm not a student.they where both gone.someone is acting as if they are my mom and dad.even at my father 's work place.succussers and assignings are the ones that are taking out lease or loan under my dad 's house.my father paid off the house Wright before he'd passed away.these people took a loan out under my father 's estate.i don't have the money to pay off this new loan.so know they are trying to take my father 's estate away from me.im my father 's executer of his estate.
Product: Debt collection

Nationwide Credit INC. called to say if i paid of my debt within a certain time frame that XXXX XXXX would reinstate my credit card and that my credit would show an active account. They took my money and my credit report states my XXXX XXXX account was charged off negatively effecting my credit. They lied from the very XXXX time they called and now when i call they cant access my account and the managers are always on break.
Product: Checking or savings account

Date : XX/XX/2023 Initial Issue : On XX/XX/2023 I got notification that I am not able to login to my account via mobile or using browser. It was giving me generic error. 

Background : On XX/XX/2023 after creating account I transferred {$3500.00} total from my XXXX XXXX XXXX XXXX account. 
On XX/XX/2023 I deposited XXXX checks in my saving account from my new tenants as a part of my rental income. 

Conversation with CITI Bank support center : I checked with CITI bank support center regarding why I am not able to access my account. They first denied to give any information about the blocked account and told me to dial another number. XXXX. 

After talking to the associative they told me that there is issue with the check and thus they have blocked my account. " The checks were totally valid ''. 

I asked them to unblock my account as I can't access it anymore and need that money as it's my hard earned salary. They told me that the only way would be either to go to nearby branch or wait for 60 days to get my money through mail. There was no resolution of falsely blocking and closing my bank account with my funds stuck is a unknown state. 

" There has been no official communication or notification with details regarding why account was closed or next steps. They didn't communicate anything ''. 

Current Situation : There has been no communication and help from CITI bank. My money which is {$3500.00} is locked in their account and they take no responsibility of helping me get my funds. They told me to visit nearby CITI office but there is none in XXXX miles near where I live. 

Regarding Check : I later deposited the same Check with XXXX  XXXX XXXX and it was cleared with no issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that there are multiple addresses associated with my credit history that are inaccurate and should be removed immediately. I demand that all addresses, except the following legitimate and current address, be expunged from my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information contained in my credit report is accurate, fair, and substantiated. Section 1681i ( a ) of the FCRA mandates that credit reporting agencies investigate disputes and correct any inaccurate or incomplete information within 30 days of receiving a written dispute. 

Accordingly, I am formally disputing the inclusion of any addresses on my credit report that differ from the aforementioned address. Please take immediate action to rectify this discrepancy by removing all incorrect addresses associated with my credit history. 

Failure to comply with this request within the legally mandated timeframe would be a clear violation of the FCRA. I want to emphasize that the inclusion of inaccurate address information on my credit report can have detrimental effects on my financial standing, including the possibility of impacting my ability to secure credit, obtain loans, or establish favorable financial relationships. 

ATTACHED IS A COPY OF MY MOST RECENT ELECTRIC BILL, A PHOTO COPY OF MY PASSPORT AND BIRTH CERTIFICATE
Product: Credit reporting or other personal consumer reports

TransUnion, TransUnion LLC, TransUnion XXXX XXXX XXXX and TransUnion XXXX XXXX has been listing fake accounts and inquiries on my credit report that I have never authorized. They have been listing fake credit scores ( XXXX and XXXX ) on my credit report that has caused extreme harm to my financial reputation and has caused me to lose job opportunities with some of the greatest companies in the world. The fake information that has been reported to TransUnion, TransUnion LLC, TransUnion XXXX XXXX XXXX and TransUnion Consumer Services by these creditors is listed below : XXXX  - Account number XXXX, XXXX XXXX - Account number XXXXXXXX XXXX XXXX - Account number XXXX, INQUIRIES XXXX  / Inquiry date XX/XX/2023 I have requested contractual agreements from these so called creditors that bear my name saying I agreed to any terms and they have not produced and/or sent me any documentation, so how has TransUnion, TransUnion LLC, TransUnion XXXX XXXX XXXX and TransUnion Consumer Services been able to verify and validate that this fake information listed on my credit report is 100 % true and authentic?
Product: Credit card or prepaid card

I have no idea if this is about a credit card but I had to choose an option. 

TD Bank is fraudulently withdrawing funds from my XXXX XXXX  account. 

I do not have any accounts with TD Bank - no bank account, no credit card, no debit card, no loan, nothing. 

On XX/XX/20 there was a fraudulent withdrawal from TD Bank for {$3.00} from my XXXX XXXX  account. I informed both TD Bank and XXXX XXXX  that these charges are fraudulent and should not be permitted, as I do not have any accounts with TD Bank. Now there is another fraudulent charge from TD Bank, of {$6.00}, on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX  : Account number : XXXX, XXXX XXXX  : Account number : XXXX, XXXX XXXX  : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.