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

This is a unique problem and none of the options offered exactly covered it ... 

In autumn XXXX, deposited a check into my checking account at Citibank in the XXXX CT branch. The machine did not take the deposit and I got a strange message that something was wrong. I went to the teller who put me in touch on the phone with someone at Citi who said that an investigation would have to be done, which would take some time ( 45 days I remember, but I am not sure ). It took at least two months, but finally I received a call from someone at Citi who said that the check was there and my account had been credited. 

However, during some part of that period, the account was somehow frozen, and automatic payments such as ones to my mortgage company and an insurance company were not made. When they got the first failure, they were not able to debit funds from that point onward. I only found out in early XXXX when the mortgage company called and asked if something was wrong. I believe 5 months or so of unpaid mortgage payments had accumulated by that point. I paid the entire accumulated balance right away. However, there have been some lasting effects. First, my FICO score suffered greatly, which raised my mortgage payments ( it is a floating rate mortgage ), and even today there is a record of " serious delinquency ''. Second, an insurance policy that was paid out of this account was cancelled for nonpayment of premiums and there was no way to resolve this. 

My mortgage company said that they would happily tell the credit bureaus that this was an error if they got a " credit update '' from Citi acknowledging that the failure to make the payments was through an error on their part. I have talked to many people at Citi and it has not been resolved. They basically don't even call back.
Product: Checking or savings account

Bank of America open an account in my name and refused to tell me what location. I found out through XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently pulled my annual credit report to review after applying for new products issued by my bank. 

I discovered that my credit was pulled XXXX different times on XX/XX/ 2023, which resulted in XXXX hard inquiries showing on my report. 

To the best of my knowledge, there was never meant to be that a hard pull taken place while i was exploring the products. I was concerned to learn my report is showing my credit was pulled without my consent. The companies are listed in XXXX as capital one bank USA, XXXX XXXX XXXX, and in XXXX capital one ( bank ), and XXXX  XXXX XXXX ( bank ). They pulled my score under false pretenses using deceptive practices, which is a violation of my rights, as outlined in title 15 of the US Code, chapter 41, subchapter v, 1692e.
Product: Credit reporting, credit repair services, or other personal consumer reports

About the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Below is the list of the fraudulent items I found on my Credit report and I need you to have these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX  Balance {$400.00} XXXX XXXX XXXX XXXX  Balance {$910.00} XXXX XXXX XXXX Balance {$820.00} XXXX XXXX XXXX XXXX Balance {$310.00} XXXX XXXX XXXX XXXX XXXX  Balance {$12000.00} XXXX XXXX XXXX XXXX  Balance {$330.00} XXXX XXXX XXXX XXXX  Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Balance {$840.00} XXXXXXXX XXXX XXXX XXXX Balance {$580.00} Medical XXXX Balance {$190.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$3900.00} XXXX XXXX Inquired on XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX. Please comply with the Fair Credit reporting Act section 605b, and have the disputed items removed from my Credit File as soon as possible.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance Owed : {$220.00} XXXXXXXX XXXX XXXX XXXX OH XXXXXXXX XXXX XXXX XXXXXXXX XXXX OH XXXX
Product: Credit card or prepaid card

I submitted my application for a credit card on XX/XX/XXXX and heard nothing from Bank of America. I called on XX/XX/XXXX and they advised that my application was held for review because they needed to confirm my identity to prevent fraud. I confirmed my identity and then sent me to credit. They advised that they would approve and issue a credit card, but then I never received anything. I called again on XX/XX/XXXX but they had not approved. In addition, they advised that they couldn't now decision because my credit was pulled over 30 days ago. I unfroze my credit and called back on XX/XX/XXXX to advise that my credit was unfrozen. I spoke with an analyst and they advised they pulled my credit and once again sent me to confirm my identity to prevent fraud. A few weeks past and again I heard nothing. I called back on XX/XX/XXXX and confirmed my identity yet again and was sent to the credit department AGAIN... only to learn that I was not approved. They requested that they do a hard inquiry AGAIN on my credit to review the application. At this point, after calling in 4x and given the run-around, I no longer trust their customer service AT ALL. I was appalled that this is how they would treat a long time customer at the only bank I have ever banked with. I am a Preferred Customer with a superior credit score and they couldn't approve my application in over 2 months. I am now debating on leaving BofA for XXXX. I will suggest to all of my colleagues in the financial services industry that I work in to utilize any credit card BUT the BofA credit card due to their horrendous customer service.
Product: Credit reporting or other personal consumer reports

I was involved in the XXXX XXXX breach they did nothing I received no compensation even though I filed three separate claims I have disputed things on XXXX and XXXX XXXX because my whole identity was stolen to the point that someone has filed income tax in my name they have used my health insurance they have open bank accounts I have asked experience XXXX and XXXX XXXX all to open disputes Only to find out that none of them did anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX XXXX account on my Chexsystems report and they didnt remove it off my file and I paid that balance in full. And Im requesting they reopen the investigation.. I never applied for this bank but I Did paid off the balance I dont owe {$400.00} I owe the bank XXXX and I need this corrected and remove I dont owe this balance at all
Product: Credit card

on going messages I known charges from one specific company XXXX is an unauthurized charge there were multiple charges from thos company but they want the charge to thru first then dispute it the XXXX is not going thru but still this company wants it to go thru I try cancelling but they threatened if I don't pay the unauthorized charge they will report to credit bureaus as non payment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received an alert from Equifax that credit card from XXXX was inquired an or opened under my name and SS number. I did not try to open one.
Product: Money transfer, virtual currency, or money service

XXXX advertised an offer where both the referral and the referrer were to get {$21.00} for a new referral. I made a refrrral to XXXX and this was made during the time the offer was active. XXXX delayed the payment from the referral qualifying for the referral and then have just {$7.00} instead of {$21.00} promised for the referral. In addition the company provides no way to contact them regarding this offer providing dead end links that go nowhere.
Product: Debt collection

When applying for a refinance mortgage, I found that I had an adverse account listed as Shellpoint Mortgage. I knew that I had never been late with my mortgage payments and never heard of nor was contacted by Shellpoint. I called on XX/XX/XXXX and was advised that the account was referred to them, but had a XXXX  balance listed when it was received and that it never had an amount due. I was advised that the account was attached to the home I sold in XXXX of XXXX. Ditech, the mortgage company, was paid in full at closing. I was told that Shellpoint would remove the account from credit reporting and that it could take up to 30 days. I also received an email of a printout from their system indicating what I was told. I called to follow up on XX/XX/XXXX and was told that the first person opened the wrong ticket and that I would have to write in to make this request. After some pushing back on my part, I was told that a Team Leader, XXXX XXXX, would put the request in today. I will be writing the letter they say I need to send them asking them to fix their mistake as well, but was told that I should send it certified because they are behind on mail and I can't assume they received it! 
It is beyond me how a XXXX  balance can reported to a collection agency in the first place. However, it happened. The response received from them is just not acceptable. Any assistance you can provide in expediting this would be greatly appreciated. I will also be writing the XXXX  in hopes that others will not go through this with Shellpoint in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and my consumer ID is XXXX. Chexsystems has been sending me letters stating that my disputes have been verified and that they will not remove the credit inquiries from my chexsystems report even though I never attempted to open a bank account with those companies. I want Chexsystems to send verifiable proof that it was me who opened those accounts or to remove the inquiry immediately. 

Remove the following inquiries off my report immediately as I have never attempted to to open an account with them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to you again regarding the fraudulent accounts that have appeared on my credit report without my authorization. These illegitimate entries are severely damaging my credit standing and ability to make major financial decisions for my family 's well-being. Despite previously contacting your organization about this serious identity theft issue, the improper accounts remain on my report. 

I am formally demanding that you remove and block these fraudulent items from my credit file within XXXX days of receiving this notice. I have included copies of my social security card and driver 's license to verify my identity, per legal requirements. If you fail to promptly rectify this misleading reporting of my credit history, I will have no recourse but to pursue legal measures to resolve this matter and defend my rights.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX XXXX, XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
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 a FRAUD yet I have an Items passed on that should be taken out or Blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. I sent a certified letter to Transunion asking them to remove the 2 accounts for a tax lien reporting on my credit file. 1st off they come back and tell me they verified the accounts but when I asked them to furnish me the information they received from the courts verifying that these accounts were accurate they told me they did not have anything to show me. I did n't ask them to remove this from my credit since they had no proof that these accounts were valid nor accurate they told me they were not going to do so. I am requesting the TransUnion remove these accounts from my credit immediately
Product: Student loan

I had a loan from XXXX Student Loans which I was making monthly payments via direct deposit. I received notification that my loan would be serviced by American Education Services starting in XXXX XXXX. American Education Services would continue to withdraw money via direct deposit until XXXX XXXX, when I would have to set up a direct deposit with AES directly. AES continued to withdrawal money from my account until XXXX XXXX, without any noticed or notification they stopped withdrawing money from my account. They also stopped contacting me by mail. I received no communication from AES via mail that they stopped withdrawing money from my account or that I was past due. On XXXX XXXX XXXX, I was notified that I was in default and referred to a collection agency. They will give me no explanation as to why they stopped withdrawing money despite their promises to do so until XXXX XXXX. I was making monthly payments on time, and then they stopped their commitment and am holding me at fault. I feel that this has been a predatory action, and I do not agree that I was at fault here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disptued this with all 3 bureaus already, twice each and not only does this still report exactly the same, but I am not receiving the proof of their alleged investigations. First of all, there shoud n't even be an investigation - these are blatantly obvious errors and second, I asked for these to be removed due to the knowledge that these would be veriifed.
See my disputes below : XXXX  XXXX balance : XXXX and TransUnion $ XXXX/XXXX {$20000.00} ; late payments : alleged late on XX/XX/XXXXis reported as paid as agreed on with XXXX, which is correct I was never late XXXX XXXX TransUnion has me listed as currently 60 days late on both of these accounts - # 1 I was never late on this account and # 2 I can not be currently 60 days late on a paid off account that was always paid on time account! They have not updated this account sinceXX/XX/XXXX on the first andXX/XX/XXXXon the 2nd! If I was in fact late on these accounts, they would have continued to be late instead of showing a late payment status on a closed and paid account! These can not possibly report on my credit file any longer considering the fact that ( once again ) I was never late and I can not be late on accounts that have not been updated for 1-2 years!
XXXX XXXX XXXX I paid on time XX/XX/XXXXand XX/XX/XXXX and all 3 bureaus are reporting that I was late without any proof
Product: Student loan

My loans came due for repayment and I contacted my servicer to consolidate my loans so that I could make one payment to XXXX servicer. Logged in at nslds.ed.gov to get a run down of what I actually owed, $ XXXX completed the necessary application on XXXX/XXXX/2016 with FedLoan Servicing since I already had some of my loans with them. So finally on XXXX/XXXX/2016 they sent me notice that my consolidation was complete and that payment was due. I log in, excited to have it all in one place, and then HORROR! I now owe {$120000.00}. I called them immediately. The customer service representative had little explanation and quickly got me off the phone. While I understand that interest compounds daily on student loans, I do n't think the debt can grow by {$50000.00} in one month. I am not a math genius, but I 'm also not an XXXX. I logged back on to nslds.ed.gov to check what they show and they clearly show {$78000.00}. That sounds more logical. How and what can I do to make this nightmare go away. I already get sick each time I look at this debt but to think that I just got charged for graduate school without attending is a bit sickening.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$60000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit score of XXXX or better. A charge to a forgotten XXXX credit card was never billed for 3 months. My husband found the charge while making payments on another account. We were never notified about the original charge of {$10.00}, that ballooned to {$23.00} in 3 months. The charges were eventually dropped with XXXX, but the damage is done with my credit. 
I now have a XXXX score. That is not fair. I've worked very hard to maintain any and all of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've handwritten letters and called the 3 major credit reporting agencies to remove any and all fraud alerts and statements from my credit file. At the time they said they will but did not. So now I'm filing a complaint on here, Demanding that the 3 major credit reporting agencies, XXXX, Equifax, and XXXX  all REMOVE any and all fraud alerts and statements from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   2017 I  pulled my credit report for all three bureaus to find an ope n CNBA Be st Buy account that was not mine on my credit report I sent a certified letter on  XXXX   XXXX ,    2017 (  signed for o n  XX/XX/2017  )  to the provided address on the report asking the company to please send me information that bearing this was indeed my account and to provide me with documentation that contained my signature and that the information they were reporting is being disputed. On  XXXX   XXXX  , 2017 the co mpany sent me a billing statement stating this was there proof. On  XXXX   XXXX ,    2017 after 31 d ays I did not receive anything bearing my signature so I rechecked my credit report to find the company had not placed the disclosure " notice of dispute '' on my account. I resent another certified letter on  XXXX   XXXX ,    2017 (  see attached ) signed for on   XX/XX/2017   asking them to remove this from my report since they had not provided me sufficient evidence showing this account belongs to me nor did they place the notice of dispute on my account within 30 days of my original letter  therefor v iolating the Fair Credit Reporting Act and the Fair Debt Collection Practices.. It has been almost 60 days and the notice still does not appear on my consumer report nor has the company responded to my lette r s  to provide evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my personal information to try to open up credit cards and loans. I have put a freeze on XXXX, XXXX and experian. I received alert of hard inquiries that I did not apply for. Also received letters from companies. I have called them to resolve. I need help making sure whoever is doing this to stop trying to apply for credit cards and loans. Very scary.