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

Contract with XXXX Citibank XXXX Current Account No.- XXXX and The Product XXXX Check N.- XXXX XXXX and XXXX Citibank Visa Credit Card XXXX XXXX, I XXXX XXXX XXXX XXXX XXXX Serious Illness, I Was Hospitalized, Respectfully Request XXXX Citibank XXXX The Protection for Illness Grave and XXXX XXXX XXXX XXXX Balance of the debt of The Two ( 2 ) Products, of the Product XXXX Check N.- XXXX, and of the Citibank Visa Credit Card XXXX XXXX, XXXX Citibank XXXX Did Not Cover XXXX XXXX XXXX XXXX XXXX Such Arbitrariness, File Before XXXX XXXX XXXX XXXX XXXX The Respectful Request For Coverage And Protection Of The Two ( 2 ) XXXX XXXX The Insurer XXXX XXXX XXXX Only Covered A Single Product : The Citibank Visa Credit Card No XXXX.- XXXX, remaining at Peace and Safe, Arbitrarily did not want to Cover the Product XXXX Check N.- XXXX, Arguing more Document Demands, I have been persecuting XXXX ( XXXX ) houses for XXXX ( XXXX ) of collection, I have again requested the XXXX bank XXXX XXXX and XXXX insurer Definitely cover the Product XXXX Check N.- XXXX XXXX to make matters worse, they arbitrarily report that they sold the Bank to XXXX XXXX. I send as proof XXXX extract where the Products are observed.
Product: Credit reporting or other personal consumer reports

After taking a look at my credit report, I am very concerned. I have been a victim of identity theft. There are numerous inquiries on my credit report that are not associated with me nor did I authorize them. I am at a point in my life where I am looking to do more through acquiring a home and vehicle to help provide for those around me. Please remove these fraudulent inquiries from my credit report immediately. The fraudulent inquiries reporting are below : XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments on the mortgage have been current since XX/XX/2021. Company acknowledged this but has still not sent updated correction to Credit Bureaus.
Product: Credit reporting or other personal consumer reports

My information was in the data breach and I noticed that I had this fraudulent account on my account. XXXX delete this account from my credit report Equifax and TransUnion also Im looking for monetary damage of {$1000.00} from Equifax and TransUnion
Product: Money transfer, virtual currency, or money service

My contractor 's email was hacked and was not notified until after I sent a wire transfer of {$14000.00} as the deposit for the work being done on my home. I verified the email, signature line, etc. was correct before I sent my {$14000.00} wire transfer on XX/XX/2023. The following bank information was provided. The beneficiary for my wire transfer was XXXX XXXX XXXX XXXX. 

Bank Name : Chase Bank Account Name : XXXX XXXX XXXX XXXX  Account number : XXXX Routing number : XXXX Unfortunately, Chase Bank accepted my wire transfer even though the account name was not XXXX XXXX XXXX XXXX. My bank, XXXX XXXX, was able to recover {$4900.00}, but I'm still out {$9000.00}. Chase Bank should not have accepted the wire transfer since the account name did not match the account number. 

A report was filed with the XXXX XXXX Sheriffs Department : Case XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Jefferson Capital System indicates I have debt with them. I have never had any dealings with Jeftferson Capital. I have asked them to provide me verification that I in fact signed anything indicating I owe them. I have asked on numerous letters in the US. mail for verification of a signature or anything stating I would owe them the debt.
Product: Credit reporting or other personal consumer reports

Specialized Loan Services a XXXX old account that was payed off and closed in good standard was removed from my credit report XXXX XXXX & XXXX XXXXXXXX  and have affected my credit score tremendously. These remarks have caused me very offending harm with all credit bureaus on my report, dropping my credit score.
Product: Credit reporting or other personal consumer reports

I am extremely disappointed with Experians handling of my credit dispute. They were reporting incorrect information on my account, with details that did not match up and numerous inaccuracies. I exercised my right to dispute these errors, expecting a thorough investigation as required under the Fair Credit Reporting Act. However, instead of conducting a proper review within the 30-day period, they prematurely closed the investigation in just five days without making a single correction. 

When I checked my credit report, I was shocked to see that nothing had changed. The same inaccurate information remains, which is not only an insult but also a clear violation of consumer rights. If they can not provide evidence to support their reporting, then they should not be allowed to continue displaying false information that negatively impacts consumers. 

This experience has been frustrating, unfair, and completely unacceptable. Experian needs to be held accountable for failing to conduct proper investigations and for disregarding the rights of consumers. I would advise anyone dealing with them to be extremely cautious and to document everything, as they do not seem to take disputes seriously.
Product: Checking or savings account

There was a refund is listed to me account for over 2 weeks abd I have bern calling and calling and chatting to no avail. They've bern escalating it every time I call. I have yet ro receive my funds
Product: Checking or savings account

Over the past few months I have been charged numerous overdraft fees due to pending deposits. On XX/XX/XXXX I was charged {$100.00} in overdraft fees but I had money in my account and would not have been negative had it not been for fees,. When this fee posted it brought my account negative and then I was charged {$100.00} the next day on XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX 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: Mortgage

I have a mortgage with Chase Bank and every year I get a statement of Escrow Shortage, thus making my payments higher if I do n't pay the full amount. The shortage varies each year from over {$600.00} to {$900.00}. I am current on all my payments since two years ago. My home insurance only went up {$24.00} and property taxes {$8.00}. Also, Chase calculates or predicts what my shortage is going to be for the next year. Hopefully the attachments of documents I sent can be retrieve. As I was looking at my statements it seems like I am constantly being double charged. This has be going own with me every since my mortgage was turned over to Chase. I have had different mortgage companies and do not remember any escrow shortage. Sincerely, " Sick of the shortage!!! ''
Product: Debt collection

Today, XX/XX/XXXX, I received a medical collection letter via XXXX, by SCHEER, GREEN, & BURKE CO. L.P.A. with my wife 's last maiden name and my first name. They claim the debt occurred XX/XX/XXXX for the amount of {$18.00}, account number they give is, XXXX. I have never used XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have also filed a complaint with the Ohio Attorney Generals Office. I couldnt understand how a XXXX could get a bill wrong with a fraudulent last name if this debt was ever true to begin with. XXXX XXXX debt does Not include or have anything to do with Medical debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to with the Fair Credit Reporting Act, the follow companies have violated my rights : XXXX XXXX XXXX Account Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX, XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00} for a Pell Overpayment from XXXX University, and it was closed XX/XX/2017. However, upon speaking with XXXX University 's billing department and Financial Aid Department, they have both informed that I do not have a balance with them. However, the Department of Education is saying it has been transferred to Debt Collection Service of the Department of Education. All of this information is incorrect, and I do not owe a balance and they're continuing to report negative information on my report, and I am unable to obtain funding for school due to these inaccurate allegations. Additionally, Great Lakes was contacted and provided proof that there is a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts and inquiries appear on my credit report that are unverified and unauthorized
Product: Credit reporting or other personal consumer reports

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Product: Credit card or prepaid card

I made a credit card payment to Barclays Bank for my XXXX Credit Card with 2 checks in the same envelope, one from my business account {$4100.00} and another check from my personal account for {$1000.00}. Both checks cleared my Bank on XX/XX/2020. Barclays only credited the {$1000.00} to my account balance. I did not find the mistake until I received my next bank Statement XX/XX/2020. After much frustration and several calls, I demanded a number in the United States and only then was I directed to their Resolution Department in the United States, XXXX. I faxed in a copy of both checks, front and back showing the date the checks were processed and a bank statement showing both checks cleared my account, The Resolution Department has confirmed my check was cashed by Barclays but they can not locate my funds. I was told it will take 25 business days for them to investigate. I was told they can not send me my money back or credit the {$4100.00} to my account, even though they acknowledge they have proof they received and cashed my check. I was told they can not send me anything in writing guaranteeing my money will be credited to my account. I told XXXX employee ID XXXX, I consider my money stolen. I consider this fraud. Barclays Bank is trying to make their problem of misallocating my money, my problem. Barclays Case # XXXX
Product: Credit reporting or other personal consumer reports

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.

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX ======================================= UNAUTHORIZED INQUIRIES : XXXX XX/XX/2021 XXXX XX/XX/2021 ======================================== 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been living in my home for the last 20 years and when the owner decided he was going to sell I had to pull my credit apartment search when I saw all these inquiries and credit cards medical bills ect on my credit profile and a XXXX Florida address come up I have never ever lived in XXXX Florida but my ex boyfriend does so I did a XXXX search on the address and XXXX image and his XXXX XXXX XXXX XXXX came up so I think he rented his house in my name and gave my info to others he hates me and has been tounting me for years I have no actual proof but I did contact police.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having a collection on my credit report the agency name is XXXX XXXX  XXXX reporting for XXXX XXXX. I paid {$110.00} in return for them to report the collection from my report. It is on my XXXX  and Transunion credit report. The collection has been on there since I put in a dispute in XXXX and I keep getting transferred to departments that can't help me. I received a letter from XXXX XXXX  XXXX on XX/XX/XXXX stating they would have the collection deleted from both reporting agencies. This is stopping me from getting approved for a house and it should be removed already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a letter from the United States District Court District of Minnesota Bankruptcy Court for proof that I never filed for Chapter XXXX Bankruptcy and the public record of Bankruptcy Discharged Chapter XXXX, XX/XX/2020 thats currently listed on my XXXX and Experian credit report, is inaccurate, incorrect, and not my public record. The bankruptcy court do not report bankruptcy cases to XXXX XXXX, Experian, XXXX or XXXX XXXX. The public record is not my public record.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX spoke to an agent about inquires that where removed and placed back on they stated it was accurate which it was not called multiple times and they kept giving me the run around. I 've sent in the proper documents and still no results.
Product: Credit reporting or other personal consumer reports

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX  XXXX XXXX Account number : # XXXX and # XXXX Balance : {$2200.00} Date opened : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX  ONE Date of inquiry : XX/XX/XXXX Account name XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXXXXXXXXXX Date of inquiry : XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

On XX/XX/2021 I submitted a debt validation letter to Santander Consumer USA. This company is reporting on my credit report for a balance of XXXX. I requested they provide me with the original contract and balance for what they are reporting on my credit report but they have not validated anything.
Product: Credit reporting or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX
Product: Credit reporting or other personal consumer reports

I have unauthorized credit inquires on my credit reports for XXXX and XXXX. I called both bureaus as and creditors and they said to file report with FTC and the FTC directed me to CFPB. consumer protection 15 USC 1682 ( b ). Please remove immediately! These are fraudulent XXXX inquiries XXXX XXXX XX/XX/2023 XXXX XXXX XXXX. XX/XX/2023 XXXXXX/XX/2023 XXXX Elan Financial XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of XXXX XXXX The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX  I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I tried to initiate a transfer to my bank from my available funds in Robinhood. I was given an account transaction error. No other information was provided. I tried to transfer smaller amounts ; same problem. Ive been emailing them daily since that day. Last week I tried reaching out numerous times on their AskRobinhood page on XXXX. Zero response! I even tried initiating a transfer to XXXX. Initially I received a message saying I couldnt do it because I own cryptocurrency. I sold all of that ( at a loss! ) to proceed with the transfer. Then the transfer was denied, again because of this mystery account restrIction. Ive looked on their FAQs and I dont seem to fit any of the scenarios ( not a day trader, funds transferred always cleared, etc. ) so I have NO idea why they will not release my money! Beyond frustrated. This seems criminal!
Product: Debt collection

I am getting harrassing calls, multiple times a day, XXXX times a day. I even get voicemails, and they still call anyways.