23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Over the past several months I have been going back and forth with Experian in regards to inaccurate information on my credit report. Throughout this time I have suffered sleepless nights, XXXX XXXX XXXX because of this situation. Experian has been reporting inaccurate, invalidated and unverifiable items on my credit report. I have requested a reinvestigation in regards to these items but here we are 6 months later and the information still is inaccurate. At this time, I am again asking the CFPB to help me get this inaccurate information removed from my credit report. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681 e ( B ) and 15 U.S Code 1681 these accounts are in violation of not reporting 100 % accurate. Listed below are two egregious examples that I have noted on my credit report. There are several other incorrect accounts but these two are the most notable ones. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This should be against my HIPPA rights! 

XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX It is not possible to open a account on two different days. This account is inaccurate and has been inaccurate since I discovered it back in XXXX. XXXX and Experian CONTINUE to report this inaccurate account. It should be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX  Once again this disputed account is inaccurate. But XXXX and Experian CONTINUE to violate my rights and report it inaccurately. The credit reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( & ) Method of verification- Description of reinvestigation procedure.
Product: Credit reporting or other personal consumer reports

Someone use my info to obtain credit or money or financing vehicle in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

I have been trying to correct information on my credit report for almost a year now. I wrote all three bureaus and XXXX failed to respond while Trans Union and XXXX disagreed.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received an email from PayPal describing a transaction charged to my checking account. I closed this email and accessed my PayPal account directly. I saw on my PayPal account a transaction for {$680.00} which I did not recognize. I then accessed my checking account and saw that the charge for {$680.00} had been posted to my checking account. I opened the transaction in my PayPal Activity tab ; I called the customer support number indicated within the posted transaction on the PayPal web site. This customer support number was a scam. I was told that the transaction had already been completed, and that PayPal would need to transfer money to my checking account. Ultimately I was led through a series of steps which I foolishly followed which ended up in my giving access to my computer and to my checking account to the scammers. I was then told to withdraw {$19000.00} in cash from my bank and deposit it in an ATM, which turned out to be a bitcoin ATM. One {$100.00} bill was not accepted by the ATM, so I was defrauded of {$19000.00}. I was told by the scammers not to access my bank account until banks opened on XX/XX/XXXX, since the PayPal account and my checking account had been linked until banks opened on XXXX. After thinking over night about what happened, I called PayPal customer support the next day. I was told that the number on the transaction on the PayPal web site was a scam ; if I hadn't called PayPal customer service, there was nothing they could do. PayPal did return the original {$680.00} that had been charged to my checking account. I sent individual emails to 4 top PayPal execs on XXXX, I have not received a response. I had a second conversation with PayPal customer support which ended in a shouting match ; I'm not sure who hung up first. I should point out that I was not thinking clearly during this process since I had lost my wife of XXXX years in XXXX, and my XXXX wedding anniversary was the week before this scam happened. Since then I have had to close 2 checking accounts and one credit card at XXXX XXXX. NONE OF THIS WOULD HAVE HAPPENED IF THE SCAM TRANSACTION HAD NOT APPEARED IN MY TRANSACTION LIST ON PAYPAL 'S WEB SITE. WHAT IS WRONG WITH THEIR SECURITY??
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ALLY credit company calls Monday through Friday between XXXX times a day to collect a credit card debt I owe. They also call on weekends, although not as often. I have requested they stop. I acknowledge the debt and when a payment can be made, it will be. The amount of phone calls that they make to me daily is harassment.
Product: Mortgage

XX/XX/year> I filed the companies paperwork to remove Escrow from my loan as I pay my taxes directly as well as my insurance. Loandepot had paid an insurance company that I did not sign up with. Loandepot refused to review the paperwork saying the account was overdrawn ( due to their error ). I had already paid the overdrawn amount, but they had not processed it yet. They then took 7 months and repeated calls to process paperwork, at which time they claimed it was too late. After this LoanDepot then claimed to have paid my insurance to my correct carrier. This is interesting as I had already paid my insurance ( I don't escrow ). When I asked for proof of this payment or even an invoice, Loandepot said they had none and that they would not provide any if they did. They did however add over {$6000.00} to my account, again with no proof. Now they claim my account is delinquent for money they are not supposed to be collecting.
Product: Checking or savings account

I bank at ServisFirst. I am missing {$6800.00} from my account. They're located on XXXX XXXX XXXX XXXX XXXX Alabama XXXX. I just learned about it today
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the creditors below, has 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bankruptcy dismissed XXXXXXXX XXXX  XXXX bankruptcy discharged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX CO XXXX {$980.00} Open Date XX/XX/XXXX Inquiries XXXX  XXXX AUTO FIN Date XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XX/XX/XXXXDate XX/XX/XXXX CAP XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

The business I was working for " XXXX XXXX XXXX XXXX '' purchased a property via XXXX XXXX. The business closed and XXXX incorrectly reported the file on my credit report. I filed a dispute with the credit bureau. They have yet to remove this information from my file. I also spoke with XXXX XXXX XXXX who advised me that the information would be updated. However, there hasn't been any changes to my report after disputing it 5 times.
Product: Bank account or service

I received a call stating my debit card had been locked and the automated call requested my card #, expiration date and # on the back. Half way through the call I realized it was not US Banks normal call when a card is locked and that I was being scammed. I immediately called US Bank and had my card shut off and ordered a new one. I was surprised this morning ( 3 days later ) that the number is still working and the recording says it is the " 24 hour security line '' and asks for the information. I want to pass the phone number along so some one can shut it down. I only answered the call because it came from a city that I have relatives in and I figured it was a call from them. The phone number - out of XXXX, TX is XXXX.
Product: Checking or savings account

Description of Issue : On XX/XX/year>, my XXXX  account went negative by {$10.00} due to a transaction that I supposedly did not have enough funds for. In an attempt to resolve this issue, I tried to add a payment method to cover the negative balance, but XXXX  prevented me from linking any card or bank account. 

After repeated unsuccessful attempts to correct this myself, I contacted XXXX  support. It took a full week before I was informed that my account had an error and that I should not have a negative balance at all. Despite this acknowledgment, my account remains frozen, and I have been given no resolution or timeline. 

For weeks, I have been passed around between different XXXX  representatives with no meaningful update. No one I have spoken to seems to have the authority to fix this issue, and I am simply told to wait indefinitely. It has now been nearly a month, and my access to my own funds is still restricted due to an error that XXXX  has admitted should not exist in the first place. 

This situation is extremely frustrating and seems legally questionable. XXXX  is effectively holding my money XXXX due to their own internal issue, with no clear resolution in sight. I am requesting immediate intervention to have my account unfrozen and this erroneous negative balance corrected.
Product: Debt collection

I received a court document that I was being sued by Slovin and Associates on behalf of XXXX XXXX XXXX XXXX, for the amount of {$4700.00}. There are 2 issues here in regards to them attempting to collect the incorrect amount. 

1. Not only is the documentation that they filed with XXXX XXXX XXXX almost entirely redacted/obfuscated, there are four pages that appear to be identical. In Exhibit A of the attached file, on pages 12 through 15, they are all identical ; same " Current Account Balance, '' and " Amount 's, '' all totaling {$100.00}. This is an attempt to collect money from me that is not due and the documents they sent to me are false. 

2. I have had health insurance for quite some time, and there is no way that the amount due was not covered by my insurance company. I have a low deductible on my insurance that would have covered that amount. But since all of the dates have been obfuscated, there is no way of confirming this with my insurance company, and there is no way I can protect myself against these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Where is my certificate XXXX, Transunion LLC, XXXX? I disputed the accounts in the attachments and you reported all of them as accurate so once again, where is my certificate? Pursuant to Mont. Admin. R. 17.8.1207 - CERTIFICATION OF TRUTH, ACCURACY, AND COMPLETENESS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance law with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXhas 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 a account without my written instructions
Product: Mortgage

In XXXX of 2024 our mortgage was sold to Select Portfolio Serving. We had just begun the process for mortgage assistance before the sale of our mortgage. Working with SPS has been a nightmare. I asked what all they needed and sent the information to them through the mail. Then the calls started coming. They needed another copy of paystubs, bank statements, ss benefits, etc. These have been sent to them numerous times. There has always been an excuse as to why the needed another copy. I would scan the documents and send them through their app. It is now XX/XX/XXXX, we started this process on XX/XX/year>. In XXXX of XXXXwe received a letter stating that all paperwork is in order and we should have an answer for assistance in 30 days. I called today, and spoke with XXXX who told me that everything is in order and we should have an answer in 3 days. This company has given us the run around for almost a year. My husband fell ill and was forced to retire. Our income dropped {$3000.00} a month. We are struggling financially and need the help.
Product: Checking or savings account

I sent two {$500.00} amounts on ~ XX/XX/XXXX and ~ XX/XX/XXXX to my savings account with Citi. However, I had not realized that I could not access the account after XXXX. The issue, they say, is that I need either a paper statement or a Citi ATM card to access my account. Previously I could just use the Android app or the web site, but I could no longer access either without the ATM card. This seemed to occur after I closed my credit card, which apparently gave me access, even though it was not the ATM card associated with my savings account. However, I never received my ATM card, and paper statements are not mailed to me ( I receive lots of spam from Citi, however ). I learned all this from the XXXX XXXX, XXXX XXXX, representatives who I was forced to deal with once I no longer had the credit card. When I had the credit card, I had full access to both accounts. There are no Citi offices in my state. 

I sent a certified letter to the address I was given on XXXX. This letter has not been delivered, but has been sitting in a XXXX XXXX mail hub for at least 14 days. Citi apparently does not allow certified mail to be delivered. Frankly, only crooks act this way. The postcard attached to the letter was put back into the mail, but it was not signed. 

Today ( XX/XX/XXXX ), I sent the same letter, with a new date and Postscript, via regular mail to that same address. 

I am staggered that this could possible occur. I could not imagine doing business with this company in the future.
Product: Checking or savings account

Dear Sir : Reference is made to an incomplete investigation under number XXXX ; I am XXXX XXXX XXXX and I have been trying to get thousands of dollars back from Brokerage Accounts and Retail Accounts respectively under numbers XXXX and XXXX and XXXX : I am temporarily living in XXXX due to a family emergency and expect to get back early in XXXX : Please note, just received a letter signed by XXXX XXXX XXXX Vice President and Senior Counsel of Citibank Personal Wealth Management dismissing all claims by me against Citibank N.A. ; she has ignored that she has refused to produce evidence that at any time I authorized the erratic buying and selling of Securities making me lose thousands of dollars : no Margin Account agreement was ever produced. Those transactions which had been forwarded to MsXXXX XXXX were clearly documented. However she said in her letter of of XX/XX/XXXX that I have no claim.Also earlier in another investigation I called the CFPB attention to letters to Citibank Chief Executive Officer Mr. XXXX XXXX on XX/XX/XXXX as well as a letter to Executive Response Unit, Ms. XXXX on XX/XX/XXXX detailing fraudulent debits to my Retail Accounts respectively. How can they ignore so blatantly my claims and sweep-up under the rug? Its plain outrageous. 
I commend the work of each and everyone of you at the CFPB in helping Senior Citizens like me from being robbed : I am XXXX years old today and I am pennyless because of Citibank 's neglect. Today I have sent you via Certified Mail correspondence and I beg you to keep me abreast of any developments. Please feel free to contact me at my email : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX My phone numbers are : Cell ( XXXX ) XXXX Home : ( XXXX ) XXXX Thank you very much! Friday XX/XX/XXXX c/c XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$210000.00} XXXX XXXX Balance : {$210000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XXXX XXXX and notice there were hard inquiries that don't have permission to be on there .These inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my right under 15USC 1681b. I also have attach the hard inquires that don't have no purpose to be on my credit report.
Product: Credit reporting

I have attempted to resolve multiple times an error with one of my accounts being reported to Experian. Every time they have failed to correct the mistake. One of my credit cards is incorrectly being reported as " previously in dispute, dispute resolved by grantor '' on my report. This was never true. I have contacted the bank in question ( XXXX XXXX XXXX ) and they have stated they sent the update to delete the " comments '' section of the tradeline to reflect no comments. Experian has denied my dispute request on multiple attempts. All comments should be removed from this tradeline to reflect the ACCURATE status as never have been disputed by me.
Product: Checking or savings account

On XX/XX/22 my chase account was hacked and credited these amounts {$970.00}, {$460.00} {$170.00}, {$130.00}, {$120.00} ( XXXX ), {$100.00} ( XXXX ), On XX/XX/22 {$970.00}, {$83.00} ( XXXX ), On XX/XX/22 {$190.00} ( XXXX ), {$860.00}, {$150.00} ( XXXX ). On the same day XX/XX/22 a XXXX withdrawal of {$990.00}, {$600.00}, {$300.00} and {$500.00}. On XX/XX/22 XXXX XXXX of {$500.00}. I called Chase and made a complaint and Chase said my account was hacked and they will look into it. I believe this is an inside job because the hacker got into my account and turned off all my alerts off so I would not know what's going on. So I opened up another account with Chase and was told nothing will happen. On XX/XX/22 my new account at XXXX was put into negative for {$1400.00} and hours later took my direct deposit of {$970.00}. On XX/XX/22 now its negative & XXXX for the total of {$5000.00}. On XX/XX/22 my direct deposit went in so now its negative {$4000.00}. On XX/XX/22 I spent 4 hours at Chase trying to get help and I was told I will be stuck paying this back.
Product: Checking or savings account

I opened an account with Truist and was able to deposit a small opening balance. I had difficulty creating an online account to manage the account and was informed via email and mail that the account was not opened due to fraud. The letter mentioned that any funds would be returned via check. 

I then received additional mailings suggesting the account was open, as well as additional mailing the account was closed. A couple of months later I was informed via mail that my account statement included a maintenance fee which prompted me to call. I was informed on that call that my account was closed and so nothing could be done and that my balance was sent via mail less the maintenance fee. 

Truist received an interest free loan and then tacked on a fee on top of it for an account they told me was not opened in the first place.
Product: Credit reporting or other personal consumer reports

I recently pulled up my credit report and I noticed a couple of inquiries that I don't recognized or approve. I need help remove them of my report they are as following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX