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

For XXXX XXXX Citibank has waged a war against me trying to do some coercive information phising. Two accounts already closed, now the third under attack and seized after they promised me they wouldn't. 

In XXXX of 2017 they abruptly closed my credit card account of 37 years without warning, without explanation, without cause. This resulted in several complaints through the Consumer Finance Protection Bureau. Among the ongoing problems were an overpaid of nearly {$500.00} I had made and Citibank insisted they would not refund it. After months of refusing to tell me anything about closing it but continuing to insist on information phishing on nonCitibank accounts they suddenly made a false accusation of me doing " Fraudulent '' contesting of charges even though I had not contested a charge. ( Explain that one. ) Whether it was XXXX XXXX  who secured the refund or what I don't know, they did eventually issue the refund. But continued to harass me over the closed credit card account. This includes harassing phone calls and letters. 

Then they attacked a checking account attached to the account I am currently troubled over. Again it was about information phishing. Resulting in my closing the account. I asked specifically if I needed to close this remaining account because it's not safe from them, but they promised they'd cause no further trouble. I foolishly left the account open, because it's a bother to switch banks. 

Now they have blocked my access to this last account and stolen my money, using blackmail for their coercive information phishing as their excuse. 

Citibank wasn't always such a crooked company. I had my student loans through them, leading to my credit card. When they opened the XXXX branch I went there. Now they have chosen to be a criminal organization and I will need to shake their dust from my feet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$XXXX} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. I have contacted the bureau to remove this however, I have not been successful.
Product: Checking or savings account

On XXXX XXXX, 2022, I attempted to send money to my girlfriend for bills through XXXX ( as I do often ) using my connected Chime Account. When trying to send an amount of {$380.00} to her via XXXX, I received an error stating that the transaction was declined by my bank ( Chime ). I followed up with her to see if anything had happened on her end and nothing went through. She never received a notice that an XXXX transaction was taking place. I checked my XXXX XXXX wallet and nothing had gone through there either. When I checked my bank account with Chime and there was a pending withdrawal of {$380.00} from XXXX XXXX. I spoke with Chime regarding this error and advised them that after they DECLINED the transaction, they still proceeded to pull the funds. An investigation was opened and no updates have been provided after the 10-day turnaround time they promised. It has been almost 3 MONTHS and the " investigation '' is still pending.
Product: Credit reporting or other personal consumer reports

To assist you with filing a complaint regarding the inaccuracies in your credit report and the handling of your dispute by the credit bureau, I'll draft a letter that you can use. This letter will reference the relevant U.S. Code ( 15 USC 1681i ) which outlines the responsibilities of credit reporting agencies to conduct a reasonable reinvestigation upon dispute To Whom It May Concern, I am writing to express my dissatisfaction with the handling of my recent dispute, filed on XX/XX/XXXX, regarding inaccuracies in my credit report, specifically related to the XXXX XXXX account ( account number : XXXX ). Despite providing necessary documentation and utilizing certified mail ( tracking number : XXXX ) to ensure the delivery of my dispute letter, the inaccuracies remain unaddressed. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are mandated to conduct a " reasonable reinvestigation '' to determine whether the disputed information is inaccurate and to correct or delete any inaccuracies within a specific timeframe. The failure to perform such an investigation not only undermines my financial integrity but also violates my rights under the FCRA. 

Given the gravity of this matter and its potential impact on my financial health, I urge Experian to undertake a thorough and expedient reinvestigation of the disputed account. I expect the inaccuracies to be corrected, including any information that can not be verified as accurate, and to receive a written confirmation of these corrections. 

Please be aware that I am prepared to take further action, including seeking legal remedies, should there be continued non-compliance with the FCRA requirements. I trust that it will not come to this and that Experian will act promptly to rectify this situation. 

I look forward to your prompt response and a resolution to this matter. Please update me with any progress or additional information required from my end. 

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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 HAVE DISPUTED THIS ACCOUNT MANY TIMES THEY HAVE NOT PROVIDED ANY EVIDENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed credit inquiries, and accounts I do not recognize, they are unauthorized and NOT mine. I must have been a victim in a cyber hack or identity theft. These accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, As well as these NON-account holding inquiries with : XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX These accounts are NOT MINE. I do not recognize them and did not authorize them. These inquiries are fraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history your inquiry into my credit reports violates the 9FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. Please remove these effective IMMEDIATELY! Thank you in advance!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized credit inquiry XX/XX/year> that appears on my credit report from XXXX Credit. I did not authorize this inquiry, and its presence is affecting my credit standing. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and remove the inquiry from my credit report. I also file an FTC report
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ EQUIFAX Credit Bureau ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On [ Date of Credit Report XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX account number XXXX Account Name : XXXX  XXXX XXXX account number XXXX. 
Account Name : XXXX XXXX account number XXXX Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Debt collection

i asked for detailed information with my signature etc, i have still not received any documents, and company continues to call me and my job on a regular basis after i asked them to send me information about this and to stop calling my job, and send me the information to my home address
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

In accordance with the Fair Credit Reporting act. 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 XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Previous investigation conducted by CFPB ( previous complaint # XXXX ). XXXX XXXX XXXX has once again claimed that I opened up an account with them some time in XX/XX/year> with an outstanding balance of {$250.00} which is now in collections. I have NEVER had an account of any sort with XXXX XXXX XXXX. I just disputed 2 separate accounts from XXXX XXXX XXXX about 2-3 months ago and CFPB was able to track down the information on the party who opened the accounts. XXXX & XXXX should be held liable for their failure to verify consumers and just arbitrarily add collections to consumers credit reports without fully investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MA XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX there is some inaccurate information reporting. 
Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy reporting on XXXX of my credit reports ( Transunion and XXXX ). I have contacted both credit bureaus on more than XXXX occasion requesting this be investigated, the method of verification provided and for the account to be removed. I have also provided a letter from the court stating that they do not report public records to the credit reporting agencies, however I continue to receive letters stating that the debt has been verified but have failed to provide the method in which the debt was verified after several requests. In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 U.S Code 1681 Section 602A, states that I have a right to privacy.

15 U.S Code 1681E ( b ), states that a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of the account associated with XXXX XXXX XXXX ), which continues to appear on my credit report despite my repeated disputes. This account is unauthorized, as I am a victim of identity theft, and I have provided ample documentation and reports to substantiate my claim, including an FTC Identity Theft Report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ), creditors are required to block fraudulent information upon notification of identity theft, which includes this account that does not belong to me. Additionally, New Jersey law ( N.J. Stat. 56:11-46 ) protects consumers against identity theft and mandates reasonable actions by creditors to avoid further harm to victims. XXXX XXXXXXXX XXXX  Experian and XXXX 's failure to address this matter constitutes a disregard for my rights under both federal and state laws. Please consider this letter my final notice to resolve this matter by removing the disputed account entirely. If this account is not promptly removed, I am prepared to escalate this issue with additional regulatory authorities to ensure compliance.
Product: Vehicle loan or lease

i was the co-buyer to this car loan in XX/XX/XXXX to it was repossessed later that year to the buyer being incarcerated since then this repossessed car has been holding me back from furthering my credit and harder for me to get a car. my XXXX XXXX  account says it was closed on XX/XX/XXXX. i just want this off my credit so i can than better me and my family and get a decent family car
Product: Money transfer, virtual currency, or money service

Person impersonating myself was able to gain access to my bank account and send {$2000.00} to an unauthorized individual through Zelle.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to the car dealership applying for a car and they pulling my credit report over 20 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I have been paying this account since XXXX. Every month I log in and review the payment and check the balance and interest paid amounts. There has been no update on the account and after I called them the payoff amount they provided was {$400.00} more than what is displayed on the site. I downloaded the statements and none of them show a growing balance, or how the interest is getting paid towards the loan. It's as if my payments that are coming out of my checking account are going nowhere. I've reached out to them to explain this to me, but they only want to talk over the phone even after I've repeatedly asked for a breakdown of the monthly payment so I can see the interest and principal breakdown- you know, like every other loan/credit card company I have ever worked with, but this has been futile with this company.
Product: Mortgage

After a relatively smooth mortgage application process, the mortgage processors have been TERRIBLE. The first two service agents I was assigned have left the company, and I was not notified that no one was processing my application. I have been unable to get in contact with any processors to discuss my loan status, and the closing date is supposed to be in two days. Despite numerous phone calls over the past two weeks, prompt responses to all requests for information ( even duplicate requests ), I have not had any information from TD Bank. I have requested to talk to supervisors, or have someone contact me, but no one has made contact.
Product: Credit reporting or other personal consumer reports

This is my six 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$120.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a transfer of {$74.00} from my XXXX XXXX bank to my friend 's XXXX XXXX XXXX account in XXXX using Remitly. 
At the same day I received a notification that the transfer had been completed. As of XX/XX/XXXX I contacted my friend and was told she did not receive any money. After that she also showed me her bank statement showing that there was no transaction from Remitly from XX/XX/XXXX until now. 
I contacted Remitly customer service, and they requested me sending them my friend 's bank statement. They told me to wait 3 bussiness days for the investigation, and they would contact me later but they never did. 
I contacted them again on XX/XX/XXXX, and one representative told me they already contacted the banking partner and the money was transferred to my friend. I then messaged my friend but she showed me her bank statement there was no transaction from Remitly up til that day. 
I called Remitly on XX/XX/XXXX, and one rep told me they did not accept the bank statement because it did not have my friend 's name. So I sent them again her bank statement showing her name on it, and they told me to wait for the investigation. 
On XX/XX/XXXX, I called Remitly again to check on my case and this time one representative told me the file was not accepted because it was JPEG file. They wanted anl PDF file. Therefore, I sent them the bank statement in PDF file. 
Later that day, I called them and was being told that the PDF file was kind of screenshot. And they refused to solve the issue. As I spoke to my friend, she said Remitly never contacted her bank account at the first time. And XXXX never received any funds from them, so clearly Remitly is lying and refusing to provide any useful information. I have asked Remitly repeatedly to provide me with emails they claim to have received from XXXX mobile stating the funds was deposited but they can't and they won't.