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

On XX/XX/XXXX, I applied for a business checking account at a branch location in XXXX, XXXX  on XXXX XXXX. The account was officially opened on XX/XX/XXXX. 

On XX/XX/XXXX, a deposit of {$15000.00} posted to my account. I have left the amount in the account, untouched, through the date of this complaint, XX/XX/XXXX. That is, I have not made any withdrawals on the account, nor been charged any fees that would reduce my balance. 

Per the terms of their new business checking account bonus, I should have received a {$500.00} bonus for XXXX ) opening an account on or before XX/XX/XXXX, XXXX ) depositing {$15000.00} within 30 days of account opening, XXXX ) and maintaining the balance for 60 consecutive calendar days as of the date of deposit. The bonus will then be credited to my account within 90 days from the end of the month in which the requirements were completed. 

Based on this timeframe, I met the 60-day balance maintenance requirement on or around XX/XX/XXXX and the bonus should have been credited to my account within 90 days as of XX/XX/XXXX. This would mean the bonus should have been credited no later than XX/XX/XXXX. 

I contacted the branch XXXX, XXXX, at the XXXX XXXX Citibank in XXXX, CA on XX/XX/XXXX via phone call. She confirmed I met the requirements and said the bonus will be paid within XXXX business day. On XX/XX/XXXX, I contacted customer service who said to contact the branch XXXX again. On XX/XX/XXXX, I spoke with XXXX again via a phone call, and she recalled that I qualified and said she would call me back but never did.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX  # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Checking or savings account

I tried to open a Truist account about a year ago but for some reason I was told that I have an account with Suntrust which is false. I need this fixed immediately. Your customer service does not exist so every time I call Truist I get put on hold and no one answers.
Product: Debt collection

I should not have been charged, according to XXXX lease terms. A XXXX  limited my XXXX XXXX XXXX XXXX and they could not provide living accommodations that I financially qualified to obtain. I do not owe this debt. No affordable accommodations could be made. There is an income requirement to reside at this property. I qualified for the rental amount on the XXXX XXXX, but not the XXXX floor ( which is the only XXXX  my XXXX would allow me to access ).
Product: Credit card

I had a Security system placed in y home 5 years ago with XXXX XXXX security. I told sales rep I was not wanting a Credit card he was trying to sell. He told me that fine, however sign her for alarm system. Apparently a Credit Card with a limit of {$7500.00} was opened under my name with Wells Fargo. I never used it and it still shows on my Credit Report. I think XXXX XXXX XXXX should also be looked at for opening fraudulent credit cards.
Product: Mortgage

My home was in foreclosure process XX/XX/2022. I applied for XXXX Assistance XXXX ( XXXX ) and was in loss mitigation stage ; the XXXX was it was accepted XX/XX/2022. At this time, I was told the foreclosure process would cease due to being in the loss mitigation stage. The home went to sale XX/XX/2022, and I was unable to fully exercise my right to loss mitigation. I contacted the servicer, Planet Home Lending, and told the home had went to sell. I spoke with the XXXX of foreclosure prevention department and she explained there was nothing they could do on their end to reverse the sale because it already went through and that I needed to contact the courts to exercise my redemption rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX are reporting the wrong balance to credit bureau and I was denied credit as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion and XXXX to dispute all hard credit inquiries on my credit report due to fraud and the XXXX  data breach and was told that it did not affect me when in fact it did as i have several inquiries that i did not initiate. they were unwilling to help
Product: Checking or savings account

I noticed on XX/XX/28 that First Citizens bank has been charging me {$10.00} for last 9 months like I didn't have above {$1000.00} in my account. It is a small money market account that I don't really touch or look at much but I tried cashing a check today and I noticed balance was {$910.00} and when I called the bank they explained the fees and they admitted they were errors but they said it is my responsibility to keep up with those and they can only credit back {$10.00} for this month. I got upset as this is not right and to avoid more incorrect fees I went to the branch and when they didn't offer the solution I closed the account. Hoping to recover {$90.00} they stole from me.
Product: Debt collection

Ive been receiving repeated emails and phone calls from this company alleging that I responsible for a {$950.00} debt. Ive never entered into a contract with this company and theyre in violation of 15 U.S. Code 1692e - False or misleading representations U.S. Code Notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

15 U.S. Code 1692e - False or misleading representations U.S. Code notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.

This company is committing fraud by attempting to collect a debt thats been charged off which is a Federal Offense by law.

Duties of person taking certain actions based on information provided by affiliate ( A ) Duties, generally ii ) does not include ( I ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint due to TransUnion not responding to have credit inquiries removed due to them not being authorized. I did not authorize numerous inquiries that are showing on my credit report and I have disputed them 4 time and I get the same response days later. Which further tells me that they have not verified these inquiries and keep sending me a generic response. I have just submitted another dispute and if this XXXX  Complaint does not work, I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someone credit is for a firm offer of credit, insurance, employment or court order. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance Owed : {$920.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} EOS CCA XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX, XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX Balance Owed : {$620.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit card or prepaid card

I have had this credit card since XXXX, all payments made on time. I was informed by B of A my credit card account was cancelled on XX/XX/XXXX, supposedly.the letter was mailed to me, I have not received the letter. I have a credit score 0f XXXX. I do not know why the account was closed, I think it is discrimination. B of A previously cancelled another account in XXXX due to fraudulent activities, I was not responsible for the fraudulent activities to that account. I feel am being discriminated against due to activities I had not part of.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by various ( seemingly interconnected ) brands such as XXXXXXXX and XXXX ( Now it was changed to XXXX ) ( collectively : the Companies ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via bank wire and debit card, and through intermediaries named XXXX and XXXX in the total amount of XXXX USD. 
( Full details is in the attached file )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX ExperianXXXX XXXXXXXX XXXX XXXX Re : Dispute of Charge-Off on Account # XXXX Dear ExperianXXXX XXXX XXXXXXXX XXXX XXXX I am writing to formally dispute the charge-off reported by XXXX XXXXXXXXXXXX XXXX on my credit report . This dispute is made pursuant to the Fair Debt Collection Practices Act ( 12 CFR 1006.34 ( b ) ( 5 ) ) and the Fair Credit Reporting Act ( 15 USC 1681 ). 

Upon reviewing my credit report, I found that XXXX XXXX XXXX has inaccurately reported a charge-off on my account with the account number [ XXXX ]. I assert that this charge-off is erroneous for the following reasons : 1. **Lack of Proper Validation ( 12 CFR 1006.34 ( b ) ( 5 ) ) ** : According to 12 CFR 1006.34 ( b ) ( 5 ), debt collectors are required to provide a clear and accurate validation of debt. XXXX XXXX XXXX has failed to provide sufficient documentation validating this debt and its amount as accurately owed.

2. **Inaccurate Reporting and Lack of Verification ( 15 USC 1681 ) ** : Under 15 USC 1681, the Fair Credit Reporting Act requires that information provided to credit bureaus be accurate and verifiable. I have not received any verification or documentation from XXXX XXXX XXXX substantiating the charge-off status of this account. Without proper verification, this charge-off should not be reflected on my credit report. 

Given these points, I request the following actions : - **Immediate Removal of the Charge-Off** : Remove the charge-off related to XXXX XXXXXXXX XXXX from my credit report to reflect accurate and verified information. 
- **Verification Documentation** : Provide all documentation used to verify and validate this debt, including any correspondence from XXXX XXXX XXXX substantiating the claim. 

I appreciate your prompt attention to this matter and expect a resolution within the 30 days required by law. Please inform me of the results of your investigation in writing. 

Thank you for your cooperation. 

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

Equifax, XXXX and XXXX are in violation of the Fair Credit Reporting Act 15 U.S.C 1681
Product: Credit reporting

I have several accounts the equifax worker deleted that was active on my account so since they deleted it off my credit profile equifax blocking it from reporting i sent all letters from creditors to them stating that they are reporting to all XXXX bureaus and equifax still fail to add XXXX, XXXX XXXX XXXX, XXXX bank, i need help getting these items
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I wrote to you requesting an investigation into items that I believed were INACCURATE. To Date, I have not received a reply from you or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my Second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations for credit reporting agencies are regulated by the federal trade commission ( see 15 USC 41 et seq ). I am maintaining careful records of my communication with you on the matter for the purpose of filing a complaint with the FTC should you continue in noncompliance. 
Pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act requires that the consumer disputes the debt or requests identification of the original creditor in writing and that the collector must cease collection until he verifies the debt and mails a response. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts have hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Please remove all non-account holding inquiries over 30 days old Please add a Promotional Suppression to my credit file Please remove all accounts that are not Metro 2 Compliance
Product: Debt collection

In or about late XXXX, I closed my account with XXXX XXXX XXXX ( XXXX ) after I suspended my service ( I had XXXX and was not able to live on my own ). XXXX billed my XXXX XXXX credit card for approx {$140.00}, which I contested through XXXX as not owed. XXXX reversed the charge/instructed me not to pay the amount in dispute. Thereafter, my recollection is the dispute was settled in my favor. In early XX/XX/XXXX, I received a collection notice from Southwest Credit ( Reference No. XXXX ) dated XX/XX/XXXX, seeking to collect {$170.00} allegedly owed for final billing to XXXX XXXX XXXX ( now XXXX ) from XXXX, with a {$25.00} fee added for the " returned charge ''. The letter gave payment options, included an " offered amount '' to accept {$100.00} as payment, and said I had 30 days from receiving the notice to dispute the amount with Southwest " or they would assume the amount was valid ''. I contacted Southwest Credit immediately and have spoken to them on several subsequent occasions, each time reiterating that I was disputing the debt. Their response each time has been to recite my payment alternatives, tell me to submit any supporting documentation to a PO Box ( Given the passage of time, I have no records relating to this dispute. ) and refer me back to XXXX since Southwest purportedly has no records. When I contacted XXXX, they told me that all the records were sent to Southwest Credit ( so I was getting a runaround ) and was told by a supervisor that " nobody here is going to help you ''. I subsequently spoke to someone in XXXX Customer Service and put the matter in dispute approximately two weeks ago ; I have not heard anything back. Today ( XX/XX/XXXX ) I contacted XXXX and was advised there was no record of my prior dispute. They confirmed that they entered a dispute today, Ticket XXXX, requesting action to get Southwest to remove negative credit report, remove amount for " charge back '' and either cancel collection or reduce settlement amount. I also contacted XXXX, but XXXX changed its credit card carrier to XXXX Visa in XXXX and no longer had any records, and XXXX Visa said they had no records extending back that far. Today, XXXX XXXX, which monitors my credit, notified me I had a negative report. Upon review, I see that Southwest Credit has reported that I am in collections on my credit report. Southwest Credit 's response is that once they have had the account for 30 days, they are obligated to file a negative credit report, and that since they received the account from XXXX on XX/XX/XXXX, it has been 30 days ( regardless of not sending a letter to me until XX/XX/XXXX ). They also advise that once they file a negative report they can not remove it. 

I feel like I am in a position where I have no options regarding the payment and now have a negative report on my credit. It is amazing to me that after all these years and without providing me with any records, they can take this kind of action. 

I have now spent hours trying to address this issue with both Southwest Credit and XXXX to no avail.