23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

An account was opened in my name apparently and is showing up on my credit report. Someone opened a Home Depot Citi Bank card on XX/XX/XXXX. There is a total of {$1500.00} charged to the card and possibly XXXX payment made of {$29.00} from what I can see on my credit report. I attempted to call CitiBank and could not get through to a human beause their system says that there is no record of a credit card under my SSN. When I spoke to XXXX, they said the account beginning XXXX digits belonged to a XXXX XXXX XXXX XXXXXXXX. I also tried to reach out to them via email today, XX/XX/XXXX, the same day that I realized this new account was showing on my credit report. XXXX XXXX XXXX XXXXXXXX had no idea what I was talking about and stated that they do not have Home Depot brand cards. I have frozen my accounts with all XXXX credit bureaus and disputed the entire account as of today, XX/XX/XXXX ( the day that I also found out about this ). CitiBank has no email listed that I can see on their website and I have yet to speak to a human being as I can not get through the automated service without a full account number or SSN attached to a card.
Product: Checking or savings account

I opened a Citi checking account XX/XX/2022 and deposited {$13000.00} on XX/XX/XXXX through XX/XX/2022. On XX/XX/2022 Citi blocked access to my account and they are not letting me withdraw any money, nor make any more deposits. Citi told me my account would be closed in XXXX days and funds would then be mailed to me, but this is unacceptable. In the account agreement documents that were given to me when I opened the account, under Funds Availability, the longest hold time mentioned for deposits is XXXX business days, and it has now been XXXX business days. 

Additionally, the account was opened under a bonus offer that said I would receive {$400.00} after deposting {$15000.00} ( or {$200.00} if depositing {$5000.00} to {$14000.00} ) within XXXX days and maintaining the balance for 60 days after that. Citi 's actions have made it impossible to meet those requirements.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be removed immediately. 



Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

My biggest issue is they closed my checking account of 25 years messing up my bank credit..! And there business practices and illegals mortgage foreclosed on my properties.. and I want retribution for the illegal foreclosure
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am refiling this complaint to BANK OF AMERICA. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX  XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have violated my rights. 

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 an 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I would get calls from Midland Credit Management around XXXX. The representative on the phone never told me they were debt collectors. The representative mislead me to believe I opened an account with Midland Credit Management. I did not jnow they were debt collectors until I receive a summons to court. I contacted Midland Credit Management attorney XXXX XXXX to provide me the original documents with my signature in order to provr this debt is mine.
Product: Debt collection

XXXX has XXXX so many different amounts to collect and I have already submitted this complaint to the CFPB it was resolved through another company in which they were attempting to collect XXXX dollars and that amount was not reflected on any bill. Now XXXX is attempting to collect XXXX dollars from another debt collector XXXX. They have never provided a bill that makes sense to me. As they bill XXXX  month in advance and I ended services with them on XX/XX/year>. They said they would provide me a prorated bill but each bill has been ridiculous and doesnt make sense. The amounts keep changing. 

I am attaching the previous complaint ; along with the response as you will see the previous debt collection company was trying to collect a different amount. Now this company is trying to collect XXXX dollars. They keep making up amounts ; I am also submitting the previous bills the previous debt collection sent with no bill amounts matching anything not even these collection amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, [ CARMAX AUTO FINANCE XXXX ] has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be the 4th complaint I have filed via CFPB against Experian for their negligent practices. I have also written them 3 letters disputing the item on my report marked US BKPT CT PA XXXX. I have requested on each inquiry/complaint that they provide proof of their method of verification, which they have FAILED to do. I have also sent them proof that they indeed could NOT have verified this item via XXXX XXXX as they CLAIM. I sent a copy of a letter that I received from XXXX XXXX stating that I do not exist in their database. Their refusal to provide supporting documentation to disclose their method of verification is willful con-compliance of FCRA Section 611. I have also notified them that they have FAILED to abide by FCRA because they did not mark this item as being disputed by me on my report within 30 days of receiving my initial complaint back in midXXXX of 2020. It is now XX/XX/2020, 3 months and 14 days later and it is still not noted on my report that this item is disputed by me, the consumer. I have also attached to this 5th complaint a copy of a letter directly from the clerk of courts stating that the courts do NOT verify public records to CRA 's. So if the claim is that they " verified '' with the court - that is a lie. I want PROOF!
Product: Credit card or prepaid card

In addition to my previous complaints regarding fraudulent unauthorized transactions on my credit and debit cards with BofA ; I was also informed that on XX/XX/2022 someone tried to open up a new BofA credit card in my name. I was informed of this when I called in one of the times regarding the unauthorized transactions. I was told the application had been denied and that they would mark it as fraudulent. So, it is VERY DISTURBING to know that despite BofA being aware of all of the fraudulent transactions plus a fraudulent credit card application that Bank of America is trying to pin the responsibility of these actions on me, I am the victim.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Social Security Number ( last 4 ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX D.CXXXX XXXX Formal Dispute of Inaccurate Collection Account Request for CFPB Assistance, Including Identity Theft Concerns To Whom It May Concern, I am writing to file a formal complaint regarding an inaccurate and unverifiable collection account reported on my credit report by Equifax. The collection account was reported on XX/XX/XXXX, stemming from XX/XX/XXXX. Additionally, I am concerned this may be a case of identity theft and seek your assistance in resolving this matter.

Violations of the Fair Credit Reporting Act ( FCRA ) I believe the credit bureau, Equifax, has violated the Fair Credit Reporting Act under the following provisions : 15 U.S.C. 1681i ( 5 ) ( A ) Failure to provide adequate verification or delete the disputed collection account after being unable to verify the accuracy of the reported information. The law requires that information that can not be verified within 30 days must be deleted from the credit report.

15 U.S.C. 1681i ( 7 ) ( A ) Failure to notify me of the results of the reinvestigation process. I have not received any formal documentation from Equifax confirming the verification or outcome of their investigation.

Identity Theft Concern 15 U.S.C. 1681c-2 I am concerned that the reported collection account may be related to identity theft. Under 15 U.S.C. 1681c-2, if the information being reported results from identity theft, I am entitled to dispute it and request that Equifax take appropriate action to remove it.

Given this concern, I am requesting that Equifax verify the legitimacy of the account, investigate any potential identity theft, and ensure that no unauthorized accounts are being reported under my name.

Request for CFPB Assistance I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene on my behalf to ensure the compliance of Equifax with these FCRA provisions and identity theft laws. I am requesting that the disputed account be immediately investigated, verified, and removed from my credit report if it can not be proven accurate. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Social Security Number ( last 4 ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with several Transunion representatives explaining that the inquiries that are listed are a result of my car being broken into & my information was stolen. I have attached the ID theft report they requested to have these removed.
Product: Debt collection

I have contacted the CFPB on the same attempt from another collectiron agency and at that time you were able to resolve the issue and you closed your case as the XXXX agree to remove the item from my credit report. 

Today, XX/XX/21 I received the request for the same amount {$230.00} purportedly from another collection agency. I immediately contacted the agency the same day first spoke to XXXX XXXX that abruptly closed the phone call as soon as she found out I was calling to dispute the amount being requested. I called back and this time a certain XXXX answered my call I told him the the correct amount should be {$79.00} not {$230.00}, XXXX did not even made an attempt to understand my request immediately forcefully requested that I pay the full amount. Stating ; " THIS AMOUNT IS ALREADY UNDER COLLECTION IN XXXX CREDIT REPORT ''. 
I drew his attention to to their letter that states : Unless you notify this office within 30 days after receiving this notice that you disputed the validity of this debt, or any portion thereof, this office will assume this debt is valid ''. 

It is clear that this agency does not even make an attempt to get feed back from the consumer prior to proceeding to report a debt on the credit report. My XXXX XXXX went down from XXXX to XXXX and I assume it will go down ever further once all agencies capture this collection attempt. You can see how much damage these agencies can cause to a consumer. 

Obviously these type of entities, that engage in debt collection, despite the efforts of the CFPB continue, without any controls, to engage in very Unfair Deceptive Acts and Practices. 

I informed XXXX of my intention to contact the CFPB on this matter he did not seem much concerned seems the only concern they have is to abuse consumers.
Product: Checking or savings account

I had a positive balance on Friday and they used transactions from Thursday starting from highest to lowest to charge me 5 late fees. They had delayed transactions that resulted in me over drafting 5 XXXX dollar fees. I was then XXXX and I deposited XXXX dollars on Monday and they did not rebate fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been committing identity theft and has been violating claimant rights.This alleged debt has already paid off in full, and yet XXXX XXXX has been reporting to the credit bureaus when claimant instructed them to remove all information from the credit reporting agencies. This has been costing me a lot of distress and has been taking a toll on my mental XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

XXXX XXXX Debt Collection  harassment of the debtor for credit card charge-offs issued by Comenity Bank such as Victoria 's Secrets. I am a divorced XXXX  XXXX XXXX XXXX living on social security. I have a difficult time paying for XXXX  and the prescription XXXX  to minimize the complications of XXXX. I was XXXX  for complications  of XXXX for several weeks and spent six weeks in a XXXX XXXX. When I returned home my apartment was ransacked. Social security card, passport, and driver 's license were among the items missing. A Victoria 's Secrets account was opened and merchandise purchased. I don't remember opening up this account. Comenity Bank informed me the account was in collections. I began to receive multiple robocalls each day on my cellphone from different phone numbers. I answered the phone the call on my cellphone and immediately the call would terminate. Unless the number matched a contact in cellphone I just blocked the number. As a result of this continued harassment, I missed an important call from XXXX XXXX XXXX provider to inform me they had not received payment for the month. Within a week XXXX XXXX XXXX provider canceled the XXXX  coverage. I would have to wait until open enrollment for coverage.
Product: Student loan

In XXXX XXXX XXXX, I obtained a loan in the amount of {$18000.00} from XXXX XXXX ( now Navient ). They ended my interim period ( non-repayment period ) in XXXX despite still attending school. I was not advised of the repayment options I had at the time, and instead put me into deferment/forbearance until I began repaying in XXXX XXXX XXXX. I graduated in XXXX XXXX Steering me into exploding my debt through deferment/forbearance is, at the very least, unethical. XXXX XXXX used South Dakota as an usury haven to allow unfettered interest accumulation. I have paid nearly {$40000.00} for this loan, and have another {$43000.00} or so remaining. My loan term will end around XXXX XXXX at which point I will have paid over {$100000.00} for an {$18000.00} loan. This is extortion, and given the other crimes NavientXXXX XXXX has committed over the years, this appears to qualify for XXXX consideration. They refuse to allow me to settle for less than I currently owe, even though I was recently more than 3 months past due ( I am unemployed ), and even though I have already repaid more than I borrowed a couple times over. I was told over the phone that they won't do that, " because it doesn't make good business sense. '' It is their intention to extort money from me at the cost of future financial opportunity, and at the cost of my reputation and credit score. Had I been made aware of my options at the start of the repayment period, I would not be on track to pay more than 500 % of the money I borrowed. This is debt bondage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accessed Trans Unions website to obtain a free annual credit report was billed an unauthorized charge of {$24.00} to my credit card without my consent. There was absolutely no disclosure of a charge. Also, I tried to contact Transunion customer service and I reached a offshore Call Center outside the United States. I refuse to do business with any representative in a foreign country and provide them with my Social Security number. I called numerous times and asked to speak to someone in the United States and got no response they just hit the mute button and ignored my request to cancel or reverse the charge. I called and asked for a supervisor and requested to be transferred to the United States representative and they would not transfer me and I was unable to speak to somebody there. This is not resolved to my satisfaction. Trans Union made a bad business decision and as a consumer I do not want my social security number and credit information in a foreign country!
Product: Mortgage

Company is deliberately trying to take my house by not responding to my correspondence in a timely manner. There my mortgage payment keep getting hire and hiring.
Product: Checking or savings account

XX/XX/2021 denied to help hanged up in my face told me they can not get no information too me
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX BANK XXXX XXXX : {$1100.00}, XXXX XXXX Balance : {$1400.00}
Product: Checking or savings account

On many occasions my checking account was overdrawn. Im absolutely sure that I track every penny I have and when my account started over drafting it just didnt make sense. My purchases will be pending for up to a week. Im pretty sure on at least 10 occasions my accounts was put into the negative. When I did call I was basically dismissed and told Im not understanding my banking app properly. To say the least it was highly offensive. Now that I see this class action lawsuit I totally understand. Your customer service representatives told me to basically deal with it and keep closer track of my money. With all due respect Im XXXX years old and I know banking better than most of your customer service representatives. It would be greatly appreciated if this situation could be further investigated and I be treated with respect.