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

This is not a duplicate complaint. I filed a complaint in regards to my Citibank XXXX XXXX XXXX ending # XXXX not a Home Depot account handled by Citibank. To date my complaint in regards To the Citi XXXX XXXX XXXX ending # XXXX, has not been acknowledged by all parties. 

On or around XX/XX/2022, I filed a complaint with the CFPB against, Citibank, XXXX and XXXX, XXXX for refusing to report my Citibank XXXX XXXX card ending account # XXXX. In my complaint I did not say Home Depot credit card handled by Citibank I specifically wrote in my complaint that Citibank is refusing on report Citi XXXX XXXX card ending account # XXXX. 

Instead of Citibank properly investigating the right account and acknowledging the core competences of my actual complaint file with CFPB in regards to my Citibank XXXX XXXX card, Citibank used another delay and fraudulent tactic by responding to CFPB with a different account with full knowledge this was the wrong in account in question further delaying reporting of a line of credit and history in good standing effectively lowering the credit scores of Americans of XXXX descent. 


On or round XX/XX/2022, I received my XXXX, XXXX and XXXX credit report and noticed they are inaccurately reporting my Citibank XXXX XXXX card ending account # XXXX current open line of credit with excellent payment history as an account in dispute without payment history I have never contacted Citibank or the XXXX credit bureaus and disputed Citibank XXXX XXXX card ending account # XXXX line of credit. In addition, XXXX/Citibank refused XXXX report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. 

I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practices and hold CitibankXXXX accountable. 

I want CFPB to investigate Citibank fraudulent responses CFPB consumer complaint and how using other wrong account information to respond to consumer complaint to deflect their deceptive business practices on the right account held by Citibank. 

I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am writing to formally request that the following accounts immediately cease and desist from any further communication or action on my credit. 

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 I dispute the validity and accuracy of these accounts and any associated claims or actions being taken by the companies. As per 15 U.S.C. 1681e, under the Fair Credit Reporting Act ( FCRA ), they are required to ensure that all information reported to the credit bureaus is accurate and verifiable. I believe the information in question is incorrect and should not be reported on my credit file.

Under 15 U.S.C. 1681i, I formally request that the accounts are removed from my credit report. If you are unable to verify the accuracy of the accounts or substantiate the information, I expect the accounts to be immediately deleted from my credit report.

Furthermore, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and request that the accounts immediately cease and desist from contacting me or taking any further action regarding these accounts, including all forms of communication such as phone calls, letters, emails, also reporting on my credit report, and any other form of correspondence. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there are inquiries on my account and i have spoken to the bureaus and still nothing happens
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Mortgage XXXX. XXXX XXXX XXXX XXXX IA XXXX I have asked numerous times for Wells Fargo to correct this false reporting. 
XXXX of XXXX through XX/XX/XXXX, I entered into a catch-up repayment plan that would keep the reporting up to date. Wells Fargo insisted that they would not report payments late because this is a catch-up plan that is fully sanctioned. I fulfilled my part and paid all as agreed, and then I resumed normal payments. 
These alleged late payments should not have been reported to the CRBs because I had entered into a plan. I ask that this be adjusted and corrected forthwith with all due respect. 
This error is causing hardship and damage to me. Wells Fargo breached their word and commitment. 
Hope you can rectify it.
Product: Credit reporting, credit repair services, or other personal consumer reports

****Hello, My name is " XXXX XXXX XXXX, I have been trying to correct my credit report over the past year but it seems no success. According to my recent credit report request from XXXX  there are several inaccurate accounts on my report. I notice that all of the name, addresses, employment information and all the hard inquiries are incorrect. There are also some derogatory accounts that are not belong to me or our association that I demand removal as they are in violation of the following applicable credit reporting laws : XXXX** 15 USC 1681623 ( a ) of FCRA/FACTA ****I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. Here are all of name, addresses and employment information  that need to be removed : **************************************************** _NAMES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX _EMPLOYMENT INFO XXXX XXXX XXXX % % % % % % % % % % % % % % % % % % % % % % % _ADDRESSES REPORTED XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX ************************************* _HARD INQUIRIES *XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX **XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  ( XXXX XXXX XXXX XXXX Inquiry :  XXXX. XXXX, XXXX + XXXX XXXX  ( XXXX ) XXXX _XXXX XXXX XXXX : XXXX XXXX XXXX Reported : XX/XX/XXXX {$400.00} XXXX XXXX Reported XXXX XX/XX/XXXX {$640.00} ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^
Product: Credit reporting or other personal consumer reports

a month ago i received a copy of my credit report and i noticed some accounts that not mine i never used
Product: Credit card

I had made a purchase XX/XX/XXXX from XXXX using my Barclays Credit Card, they offered me a 0.00 % promotion with deferred interest for 18 months. I saw XX/XX/XXXX they had charged me {$610.00} in interest on XX/XX/XXXX, {$30.00} on XX/XX/XXXX & {$29.00} on XX/XX/XXXX. I called Barclays and spoke to their customer service agent, he told me if I pay the outstanding balance he should be able to waive the interest fully and I did ask is it okay if I make the payment on XX/XX/XXXX, and he did say it was fine. So today Being XX/XX/XXXX, I called Barclays to schedule the payment and get my interest waived, they started playing games, told me its too late, and transferred me over to their security department to verify if it was really me because my name is XXXX & its a common name for a guy from XXXX. I even told them if I was someone else I would not be concerned about interest Barclays have charged me, I would not call to make a payment and get it waived. So now I am stuck, I had a balance of about {$900.00}, for which they charged me interest of almost {$700.00}. Please help me get it waived.
Product: Mortgage

Currently Wells Fargo is trying to foreclose on my home. I purchased a home from the XXXX XXXX XXXX in XXXX. I was incarcerated in XXXX of XXXX until XXXX of XXXX. A home equity loan was taken out without my permission and signed for sometime in the XX/XX/XXXX. I submitted a fraud complaint with Wells Fargo and provided proof of incarceration but somehow they still ruled against me. The home equity product is not even in my name so I can not even make an agreement with Wells Fargo. At this point I dont even understand what my options are or exactly where I go from here.
Product: Debt collection

The company by the name of TheAccord has repeatedly emailed me at all hours with a debt i know nothing about. Ive never even heard of this company. I have never done business with this company. I never provided my personal information to this company. They just emailed me again this evening XX/XX/2022 at XXXX. My email gives me immediate alerts. I never consented to any type of communications. How did they obtain my private contact information? 
According to 15 U.S. Code 1692c they are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting a collection/chargeoff in the amount of {$1600.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and I have never had a XXXX account. I filed a Police Report to show this account is fraudulent. ( I have attached a copy of the police report for reference. ) I called XXXX and spoke to a representative that informed me that this account was for four ( 4 ) XXXX. I never placed any order for XXXX nor did I give anyone permission to order these phones. The representative from XXXX would not investigate this false order and consequently told me regardless I was responsible for the debt. Again, this account does not belong to me. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

This is my 18th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the accounts corrected XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called equifax several times over the past couple of days trying to gain access to my myequifax account. The procedure that they was sending me through was not successful and the requirements that they had me following didn't work either, wait for thirty minutes and try again. They were not able to assist me in resetting my password so I could access my credit report online. Instead, they told me to wait 7-10 days so this situation could be sent to someone else.
Product: Credit reporting or other personal consumer reports

Trans union is inaccurately reporting that both XXXX and California accounts XXXX XXXX are both open. They have been charged off for years and now they are inaccurately reporting that Im missing payments. Both XXXX and XXXX have removed, now TransUnion needs to remove them completely too. 15 usc 1681. I will have to contact the law if these arent removed immediately. They are defaming me and need to be removed
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and TransUnion are reporting a debt that does not belong to me. This debt is for an address Ive never ever lived at. See attached copy of my id that reflects my current and complete correct address
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred despite having sufficient funds. When transactions were authorized, I was charged fees due to the lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds.I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

Synchrony Bank, an institution with whom we have a line of credit, has several times called our cell phones stating that there is a payment due when a payment has been made the previous week. Also we are getting robo-calls to our cell phones from this bank which are intended for other account holders of this bank. This seems to be a violation of both the FDCPA as well as the TCPA.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Use of Personal Information in Violation of Congressional Fair Credit Reporting Laws I am writing to formally dispute information on my credit report that I is the result of fraudulent use of my personal information without my verbal or written explicit authorization. I am deeply concerned that this issue is in violation of the Congressional Fair Credit Reporting Laws, specifically the Fair Credit Reporting Act ( FCRA ). 
The fraudulent information I dispute is as follows : XACTUS  I have never authorized any individual or entity to report this information on my consumer reporting file. I request an immediate removal. As the FCRA mandates, I am entitled to a fair and timely resolution of this dispute. 
According to the FCRA, you are required to : Conduct a reasonable investigation into the disputed account. 
Notify the creditor involved in the dispute. 
Correct or remove any inaccurate information from my credit report within 30 days. 
Thank you for your prompt attention to this matter. I expect a timely and thorough resolution of this dispute as required by law. 
Sincerely,
Product: Debt collection

1- On XX/XX/ I received a letter from Kimball , Tireny & St. John LLP 2- Amount is {$14000.00} 3- Threatened that a negative credit report reflecting on my credit record may be submitted to credit reporting agency 4- I contacted them to provide me with vital information for more that 4 times, they never replied 5- I retained an attorney
Product: Debt collection

On  XXXX   XXXX  of  XXXX   Afni pl aced a debt on my credit report. The amount owed was for {$56.00} from an account that was supposedly opened on  XXXX / XXXX / XXXX . That information is incorrect. The account was not open on that date and they are in fact trying to re-age an old debt. From my understanding,  Afni  is in violation of section  623 ( 5 ) A  of the FCRA. When I contacted the company to advise them of this, they completely ignored my concerns and attempt to send me an old bill as their response. I am filing a complaint because this matters needs to be handled and off my credit report.     Thank you
Product: Credit reporting or other personal consumer reports

These inquires were not authorized by me. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Account with Citi bank has been opened in my name. I have disputed the account with Citi bank and my dispute is being denied because of the address on file matching. I have not benefited or ever received and debit card or account opening documents in the mail regarding this account. I have attached documents showing that I m a victim of ID theft with other Finacial institutions. My address has also been compromised and used fraudulently.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX is in violation of Section 609 of the Fair Credit Reporting Act ( 15 USC 1681 ). 

XXXX XXXX XXXX XXXX is providing information to credit bureaus for account number XXXX. I have not provided written consent for the furnishing of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Falsely Reports These 5 Hard Inquiries XXXX XXXX XXXX On : XX/XX/21 XXXX XXXX, Made On : XX/XX/21 XXXX XXXX, Made On : XX/XX/21 XXXX XXXX, Made On : XX/XX/21 XXXX, Made On : XX/XX/21 On XX/XX/21 I had called TransUnion and had spoke to a Consumer Relations Representative named XXXX at XXXX. 
And had advised him of 5 Hard Inquiries that needed to be deleted from my credit report. 
After talking to XXXX for several minutes ( and going in circles ). XXXX then transferred me over to XXXX, at XXXX from the Specialized Fraud Team XXXX XXXX XXXX a supervisor ). Then after naming these 5 Hard Inquiries again. And after telling XXXX that I followed TransUnions Dispute Process already. XXXX transferred me over to XXXX at XXXX. A supervisor in The Special Handling Department.

Of which did not fix and remedy these 5 Hard Inquiries. 
I've already filed a police report dated back in XXXX in regards to these 5 Hard Inquiries. And TransUnion already contacted these Creditors in regards to a deletion letter. Of which resulted in no response ( Be Advised : The Burden Of Proof Is On The Reporting Credit Agency ).

These 5 Hard Inquiries DO NOT HAVE THE FOLLOWING : 1 ) A SIGNATURE. 2 ) ANY ACCOUNTS ATTACHED. 3 ) PROOF OF VERIFICATION THAT I MADE ; AND OR, AUTHORIZED SUCH HARD INQUIRY. AND 4 ) RELEVANTS TO ME.

But yet still remain on my credit report without these key elements of VERIFICATION.

I'm already preparing a small claims court lawsuit for Defamation of Character.

But in the mean time. And to prevent further damages. I would like these 5 Hard Inquiries. Deleted.

Also please note that a specialist from TransUnion had already deleted other Hard Inquiries before based on the police report. But forgot to delete these 5. Yet TransUnion/the 3 employees named wish to have to me go through this process again.
Product: Credit card

I have three Chase credit cards all in good standing and Ive been a customer with Chase for probably 6-8 years. I switched over to a new bank account for auto pay for all my business cards and unfortunately for my Chase sapphire I put in one wrong number of my bank account. So a {$140.00} payment was returned. That was the issue. The issue was taken care of within a matter of one day and I put in the correct bank account number the {$140.00} was paid immediately. Along with a {$6500.00} payment on my Chase Southwest card. They told me due to the {$140.00} return payment, All three of my cards have been revoked. I spoke with them XXXX or XXXX times they said they would run a credit check with the bureau to reinstate my credit cards. The person I spoke with said it shouldnt be a problem you pay your cards every month youve done a lot of business with us. XXXX days later I call and my credit cards are still revoked. They say we did not run a credit check And there is no option for you to open your cards back up. They also told me I have 30 days to redeem my points that I earned on my Chase sapphire and on my Chase Inc. card. So basically forced me to either cash my points or transfer them or use them someway with in 30 days Sorry if any of this is confusing this is through voice text if theres any extra info you need please email me or get in touch with me and I can provide whatever you guys need.