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

On XX/XX/XXXX of XX/XX/XXXX I visited the Citi Bank Branch located in XXXX XXXX XXXX XXXX XXXX XXXX CA i attempted to withdraw funds from my bank account and I was told by the clerk that he needed manager override for the transaction. After speaking to the floor manager and still unable to accomplish my transaction, I was then transferred to speak to the branch manager. After a long time of trying to get this done, he then told me that there was a fraud alert in the account placed by the fraud department, to call him directly to the branch in 2 hours and XXXX  be able to help me. After waiting for 2 hours I called back and my calls werent answered by anyone so I was transferred to customer service, who advised me to return to the branch and have the manager call back because the fraud alert was placed by the branch manager. I was given a phone number to have the manager call, so I returned to the branch waited an hour to speak to the branch manager, and when I spoke to him he lied again and said he didnt place the fraud alert. After telling him multiple times to call the number I was told to have him call, he refused in many ovations until I started recording him with my cellular device, he then proceeded to call the number however I saw him call a different number. He called a different branch who I heard them refer him back to the number I was given originally and for some reason he kept trying to avoid calling, the number is XXXX option XXXX. After hours of arguing and complaining he told me he was going to override the fraud alert which than he denied cause he said he couldnt do it it was out of his reach, nothing was able to be done for me I had to leave with no money all he told me was that I will have to wait for 30 to 60 days but most likely in 2 weeks Ill have my money he said. I left and been waiting since than after two weeks I called Citi bank again, I was told by a rep to visit my local Citi bank and have them call the same number. After multiple calls and attempts to resolve both in person and on the phone today Friday XX/XX/XXXX I visited the XXXX NJ branch and was something else by the branch manager at this location. Now he said my account was closed the XX/XX/XXXX so I would have to wait 60 days to get my funds out of the account, these almost all my funds and they have been frozen for over a month now there is a pandemic going on I had to move and I was delayed due to this situation. I need some answer I need my money back as soon as possible this is not right.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and inconsistent information reported regarding the XXXX account ( account number XXXX ) on my credit report. After communicating with XXXX XXXX Executive Office, I have been provided details that contradict what is currently reported by the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681s2, furnishers of credit information are required to report accurate and consistent information to credit bureaus.

Here are the specific discrepancies between what XXXX XXXX alleges and what is reflected in my credit report : Date Opened : XXXX XXXX  alleges the account was opened on XX/XX/XXXX, but there are discrepancies in the credit report where it shows different dates across bureaus. 
Date Reported : XXXX lists the " Date Reported '' as XX/XX/XXXX, while Experian shows XXXX and XXXX  reflects XX/XX/XXXX. These inconsistencies must be corrected for uniformity. 

Date of Last Activity : XXXX XXXX alleges that the last purchase on this account was on XX/XX/XXXX, and the last payment made was on XX/XX/XXXX. However, the credit bureaus are reporting varying dates of last activity, which leads to confusion and potential negative impact on my creditworthiness. 

Charge-Off Date XXXX XXXX XXXX  alleges that the charge-off occurred on XX/XX/XXXX, but this information differs across credit bureaus, leading to inaccurate reporting of the account status. 
Last Payment Date : According to XXXX XXXX, the last payment on this account was made on XX/XX/XXXX, but my credit report lists differing last payment dates. 

These discrepancies are causing harm to my credit score and standing. As outlined under 15 U.S. Code 1681s2, furnishers are required to provide accurate and complete information. I am requesting that you investigate these inaccuracies, update the account information across all three bureaus, and ensure that the data is consistent with the details alleged by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXXXXXX BALANCED {$5700.00} XXXX XXXX XXXX BALANCED {$220.00} XXXX XXXX XXXX BALANCED {$200.00} XXXX XXXX XXXX XXXX BALANCED {$200.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX BALANCED {$260.00} XXXX XXXX XXXX XXXX BALANCED {$10000.00} XXXX XXXX XXXX XXXX BALANCED {$3000.00} XXXX XXXX  XXXX BALANCED {$3000.00} XXXX XXXX BALANCED {$910.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX BALANCED {$2700.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year> These Items 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

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission : 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I also would like my address updated to the following, and ALL OTHER ADDRESSES REMOVED from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX concerned about an alleged public record listed on my consumer report on XX/XX/2022, couple of months later received an envelope containing a link and PIN number to access my updated report which allegedly showed the bankruptcy being unverifiable and therefore removed, I contacted them shortly after and they told me they were to communicate to the mayor credit bureaus of the changes and today XX/XX/2022 just found out that they still havent reached to XXXX, XXXX and Transunion further more I learned that they are still housing the XXXX XXXX XXXX in a unverified account department. This company continues to violate the laws, my rights as a consumer and not being held accountable for the inconvenience and damages being inflicted.
Product: Debt collection

The letter that was sent to me states this was for VyStar credit union. I dont owe them a dime me and my husband walked into the establishment and close the accounts. Anything that was owed we paid at that time I have not had an account any other time with this company the only time Ive done business with VyStar is back in XXXX I have never done business with XXXX XXXX XXXX. The correspondence they sent had my maiden name on it. Ive been married for over XXXX years and wouldnt have anything with my maiden name on it. The claim they are coming after me with would be over XXXX XXXX XXXX at this point.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and request the removal of inaccurate and obsolete personal identifiers from my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Upon reviewing my credit report, I noticed the following personal identifiers that are either incorrect or outdated : 1. Old or incorrect names : XXXX XXXX 2. Incorrect addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I have an American Express prepaid gift card valued at {$50.00}. I used it to make a purchase online at XXXX  on XXXX  for {$49.00}, however the payment was declined. I called the support number for American Express gift cards which directed me to a XXXX XXXX  which told me that due to increased security measures, my payment may have been declined. There was no way to resolve this issue or speak to a human regarding this.
Product: Credit reporting or other personal consumer reports

account # XXXX has been paid of in good standings before pay off date. also the dates are wrong on my report. it shows no history of payments
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They Informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amsher collection company for XXXX XXXX XXXX. I have had and kept insurance that pays my hospital bills. Year XXXX I had 2 insurance that pay medical bills. Collection disputed removed but disputed allowed back on credit report without reaching out to me. Removed XXXX put back on account XX/XX/XXXX In addition in past2 years sought to resolve collection which okayed and clears through XXXX but collection company has kept account despite the fact. I have 2 primary physician at XXXX. That I see every 3 to 6 month.,, Co pay are paid at the time visit .Never able to get full explanation over billing mostly for routine visit .I am disputing neg reporting amsher collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a legal name change a while ago and Ive been trying to get it corrected on my Equifax credit report as its affecting my borrowing power. Ive already reached out and corrected my name with XXXX and XXXX without issues. 

My credit score is significantly lower in Equifax than it is in the other bureaus, and my report hasnt been updated since XXXX. 

Ive tried submitting 3 disputes and Im still waiting.

1st dispute - XX/XX/2023 - online their website shows that its still under investigation, but when I call in the agents say that it was closed due to needing more information. I was not notified by email, or by mail about this. I had to proactively call. 

2nd dispute - XX/XX/2023 - mail I opened a second dispute, this time by certified mail, so I could send my documents so there would be no confusion, but Equifax claims they never received my mail. They lost my sensitive documents. 

3rd dispute - XX/XX/2023 - online This is my third dispute to try and get my name fixed on my report. 

I just want Equifax to fix my name so that any reporting is done against the correct file. Lenders cant find me when they query Equifax with my new name.
Product: Debt collection

CREDIT COLLECTION SERVICES IS REPORTING A BALANCE OF {$670.00} ONTO MY CREDIT FILE THAT I AM NOT RESPONSIBLE FOR. THIS ACCOUNT IS A RESULT OF IDENTITY THEFT AND DO NOT BELONG TO ME. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Product: Mortgage

I had a lot of hail damage from a storm in XXXX and called both my first lien holder, then my second lien holder to let them know. I spoke to a rep at my first lien company. They gave me tracking numbers to use and said that they 're located in the same building as my second lien holder, so to put a cover sheet with my checks that states that once they endorse the checks, to please forward to my second lien holder to endorse as well. I asked if I should sign the checks and was told no, that it 's dangerous to put a check in the mail that 's already endorsed. With this package, I also mailed in a {$30.00} check so the checks could be rushed back to me. This was on XXXX/XXXX/16. On XXXX, I receive the checks back with a letter stating that the checks have to be endorsed before the mortgage company can endorse, and this was the exact opposite of what I was told on the phone. I really need these funds, as I 've already spent over {$30000.00} out of pocket, so I signed the checks and sent them back. I also called in stating I was including another insurance check that I recently received. I sent out the 2nd package on XXXX and also uploaded the contractor 's waiver of lien and XXXX to my claims for both mortgage companies. On XXXX, I receive a letter from my first lien holder stating that the " final disbursement check '' is enclosed. There was a check in the amount of {$3600.00} in the envelope, and not a word about my other checks. On XXXX, I received a letter from my second lien holder, asking for the XXXX and contractor 's waiver of lien again, when I had already confirmed weeks ago that they were already received by both mortgage companies. This letter is also requesting that I pay {$30.00} again to have my funds rushed back to me. I called my second lien holder about this letter and they had no idea how to help me and kept putting me on hold to " gather more information. '' Then the rep told me to call my first lien holder & ask for their monitoring procedures and to fax it to them once I receive it. The hail damage occurred on XXXX/XXXX/16 and today is XXXX/XXXX/16. I have paid over {$30000.00} out of pocket and I 've only received {$3600.00} labeled as a " final disbursement '' out of a total of {$23000.00} in checks that I sent to both mortgage companies. I have n't gotten a call or received a letter to explain the process to me. I spoke to someone again this morning, and the rep spoke to me like he had no idea what was going on with my loan, cleared up absolutely nothing and left me clueless once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXform will not allow submission of : State : Massachusetts Zip Code : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on ARS ACCOUNT RESOLUTION XXXX Balance {$300.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

This debt does not belong to me and I have expressed this on may occasion however, it is still being reported on my credit report.
Product: Credit reporting or other personal consumer reports

Our XX/XX/year> statement from American Express reflected {$65000.00} and {$32000.00} both of which we reported to American Express as being fraudulent charges and were not ours. The {$65000.00} charge was removed but not the {$32000.00}. We have reported this to them as being fraudulent every month since XXXX of 2023 and they to bill us for this amount. They have ruined our credit report rating and continued charge interest every month for something that is not ours and we notified them of the fraud the same day we got the statement.
Product: Mortgage

After requesting PMI removal in XXXX 2016 and fighting for months to obtain a fair appraisal of our property, two separate customer service representatives from Seneca Mortgage told me ( in a recorded call that both agents agreed to ) that my request for PMI cancellation probably was n't being taken seriously because " my property was n't worth anything. '' The customer service agents then proceeded to argue this " fact '' based on their own assessment of the land using the property taxes that my husband and I paid on the farm land. Neither agent understood what a " farm deferral '' was and that we pay a large reduction in property taxes, as we 're currently XXXX this land that is zoned for a subdivision of XXXX houses. Over the course of 5 months, Seneca failed, refused or was unable to complete this appraisal and transferred our loan to a different carrier. 
My husband and I feel that agents with Seneca conducted their own unofficial and unprofessional appraisal of our land and our request for PMI removal was ignored, despite the value of our property being appraised by our county at XXXX times our loan amount and us being current on all requirements of PMI removal via the Homeowners Protection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a second complaint against Equifax because incorrect information continues to show up on my credit report. As a result, this is causing me a great deal of anguish and frustration. Furthermore, it's causing me to have a low credit score which impacts my ability to get credit. I reported the same complaint on XX/XX/XXXX and the information with regards to XXXX XXXX remains on my credit report as being 120 days past due. The mortgage was modified XX/XX/XXXX which brought the account current and placed the account under my ex name. Despite my continued efforts to get Equifax to update their information they continue to reinsert incorrect information on my credit report. I would appreciate any help in getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon thorough examination of my credit report, I have discovered erroneous information concerning an account ( Original Creditor : XXXX XXXX, Account # : XXXX, Balance : {$2200.00} ). I respectfully urge the bureau to adhere to the directives outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the relevant legislation. Specifically, my request pertains to the accurate validation and timely presentation of necessary substantiating proof, as opposed to the inclusion of unverified data in the report.
Product: Credit card

This is an update to my complaint against State Farm Bank, case number XXXX. Thanks to the CFPB, SFB responded and finally seemed willing to resolve my issue. I heard from XXXX and XXXX from corporate on XX/XX/XXXX and XX/XX/XXXX respectively. On XX/XX/XXXX I also reached out to XXXX Escalation Specialist, XXXX, who conferenced me with SFB rep, XXXX. XXXX, XXXX, and XXXX all saw something in my account and wanted to either " research '' it or in XXXX case -- refer my case to Corporate. I agreed to continue speaking with XXXX today, XX/XX/XXXX at XXXX Pacific to thoroughly examine my case, but XXXX XXXX did not call. I reached out to XXXX XXXX and XXXX this morning, requesting assistance, but have not heard back. I have been through this countless times within the past 6 months where SF Bank can not explain why they charged my Visa {$540.00} and why they lost my XX/XX/XXXX Visa payment of {$540.00}. They always need to " research '' something and either never reply or a new rep who is unfamiliar with my case falsely accuse me of requesting this charge. This is not a hard case to solve, yet it seems they see the discrepancy but refuse to admit fault. Please explain this {$540.00} " payment reversal '' that SFB placed on my Visa. If it is a refund, trace it, because I have not received it. If this reversal was done to pay for my XX/XX/XXXX insurance, then why did you do that, because I already gave you {$540.00} on XX/XX/XXXX to cover my XX/XX/XXXX insurance plans? Also, why was my {$340.00} XX/XX/XXXX Visa bill placed in collections on XX/XX/XXXX when that Visa bill was n't even due until XX/XX/XXXX??? The bill was n't due yet you placed it in collections?! Can you explain any of this? I have all my account statements on hand. Please reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was not reported by the finance company and I been going back and forth with them. But they refuse to contact any of the 3 bureaus and add my car. The company is Honda Financial Services