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

In late Dec-early XXXX I set up accounts at CITI ( Sav-XXXX Checking... XXXX ). They also sent me debit card XXXX XXXX XXXX XXXX ( XX/XX/year> ). 
By the time a pin camefor the debit card my accounts were locked/ closed by Citibank with no warningor explanatioon. I believe there is some {$5200.00} of my money in the banks hands.I have called and written numerous times with no real response other than wait 30 to 60 days for us to do anything. 
To date I have gotten no response as to why account frozen then closed whatsoever. 
I seek no damages or such against Citibank-all i want is my money returned to me.
Product: Credit reporting or other personal consumer reports

My credit is reflecting inaccurate information. There is a lot of accounts that are not 100 % accurate and have also never been fully verified to me either. I keep getting ignored by this agency.
Product: Credit reporting or other personal consumer reports

Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 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 items of information, other than records of convictions of crimes which antidotes 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of these banks have fraudulent check my credit without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

CFPB compliant # XXXX I received a correspondence from your Equifax dated XX/XX/XXXX via CFPB indicating that the investigation of my disputes was complete. As of date, Equifax is still violating federal law by furnishing these inquiries on my consumer report without my written consent pursuant 15 USC 1681b ( a ) ( 2 ).

Equifax responded alleging that the inquiries in reference were verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Im exercising my right under 15 USC 1681i ( a ) ( 7 ) and requesting Equifax method of verification and by federal law they have 15 days to respond upon receipt of this notice. If these accounts was in fact verified as Equifax claim, that would mean that they investigated it and it would also mean that this was in fact an investigative consumer report. Therefore, under 15 USC 1681a ( e ) I want to know exactly Equifax spoke with and the method used to speak with them. I also would like the name and employee number of the employee whom you spoke with the company who furnished this information. Pursuant to 15 USC 1681a ( e ) I am demanding the following : - Which neighbor did you speak with? 
- Which associate did you speak with? 
- Which friends did you speak with? 
- Which acquaintances of mine did you speak with? 
- Was the information that you received factual? 

Please keep in mind that Equifax only have 15 days per federal law to respond to this request. If they do not respond in time this information must be permanently removed from my consumer report.
Product: Checking or savings account

Wells Fargo, my personal bank in XXXX, where I had opened an account in XXXX, NV as my home branch during the XXXX Mortgage downturn, deceptively opened a Business Checking account in my name, without my explicit permission, at a Northern California XXXX XXXX XXXX. 

I had been accepted into graduate studies at the time, and the student loan provider made a personal call to my private number to inquire about the location of my graduate program, in the XXXX California area. The account was opened at a branch less than XXXX miles away from the location of the new program. 

The following two months I never received the loan which was disbursed from the lender, according to the school. So while the tuition was covered for me that term the additional charges for the term were not, and I endured 10 weeks of homelessness while attending the program Fast forward 2 years to XX/XX/XXXX, and the same process detailed above repeated again, where funds from the lender were not received til after the term. The XXXX XXXX XXXX campus canceled my enrollment, until I eventually discovered a large chuck of funds in a secondary account under my name at Wells Fargo. At that point the remaining funds from that account were transferred to my private personal checking account, and I repeatedly incurred low balance charges ( again, without my knowledge, as I was unaware that to close the account an entire process and processing fee was required, not just a XXXX balance ) I lost up to XXXX in low balance charges over the course of the four years ( XXXX ) the account was open without my permission or knowledge. I also lost up to XXXX in timely loan disbursements that were sent back to the federal education lender, who believed to loans were going to the wrong account in XXXX, since it did not have any of the matching information of the personal checking account that was given the school 's financial billing office
Product: Credit reporting or other personal consumer reports

In accordance with 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 XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( Installment ) Accounts - negative accounts - closed - Summary XXXX XXXX XXXX Last Updated XXXX, 2022 XXXX, 2022 Payment Status Charge-off Unpaid balance reported as a loss by credit grantor Worst Delinquency Bad debt/collection Charge Off/Other Derog Balance {$1400.00} {$0.00} Credit Limit 15usci1681i 15usc1681ia 15usc1681i5 15usc1681b i have no knowledge of this account, if this was charged off it can no still be reporting. you must remove or submit a 1099G because you can not collect on a charged of account that you summitted to the IRS please remove and suppress. please update credit report
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Debt collection

Good Evening. To Whomever This May Concern. My name is XXXX XXXX. I received something in the mail from Galaxy International Purchasing LLC sent something to me stating that I owe XXXX for a debt with XXXX XXXX. XXXX XXXX has already removed this out of their system because I sued them and won because this is a debt as a result of identity theft and I had nothing to do with it. This company is trying to come after me for a debt that is not owed and is a result of identity fraud. I believe these people sent someone to my daughter 's house at XXXX at night as a process server. I will be contacting the police and she will as well because she said that they were taking pictures of her home. They were trespassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian many times proof that the XXXX/XXXX   account listed on my credit report is inaccurate, the last date of activity that Experian is reporting is different than what XXXX   and XXXX  are reporting, each credit bureau are reporting different dates, and that is not accurate at all. As a consumer I have a right to dispute these types of things, EXPERIAN keeps telling me that this account has been updated but when I look at the information on the account it is still the same, I believe that this is illegal because the FCRA has said that credit bureaus must delete all information on a credit report that isnt 100 % accurate. Also Experian is not reporting any high credit amount on this account and XXXX  is reporting XXXX, and another thing that is in accurate is, if XXXX  is also reporting this account on my credit report, why is EXPERIAN the only one reporting late payments and there are no late payments reported by XXXX?. And if my credit limit was XXXX dollars, how is it that I owe XXXX dollars, there is no way that I could go over my credit limit of XXXX dollars, this amount is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notice from XXXX XXXX who is the XXXX XXXX for Northwest Bank. They stated that I just got a disclosure which they did not send me for my review. Also there are discrepancies in the date which his letter was sent to me. She stated I open a loan on XX/XX/XXXX which would be {$81.00} for 14 monthly payments. In the same letter she stated that in XX/XX/XXXX which would before me even taking out a loan that I signed a privacy notice form. To me the information is erroneous and needs to be deleted ASAP. How can I sign a form months prior to even having a transaction. Im asking for a copy of my drivers license to verify my address that you had at signing. They did not even have my proper address. I would like this to be removed from my consumer credit report. There is information that is not consistent or legit and it should be removed.
Product: Checking or savings account

I tried to call Fifthird Bank at XXXX at XXXX XXXX XXXX and XXXX XXXX - which I never got respond from them. I have been calling IRS who said Fifth Third should provide tracking numbers or instructions of {$7000.00} why it was sent to IRS. 
IRS doesn't have the check and also there is no clues. 
Can they give the tracking number and proof that it was sent to IRS or transactions was clear from fifth Third Bank. 
Can somebody kindly help me. 
Thanks XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My FMC lease end agreement was on XX/XX/2020, my purchase appointment date was set for XX/XX/2020, my new Purchase contact payment is scheduled for XX/XX/2020 and my consumer complaint is that FMC reported " 30 day DELINQUENT notices '' for XXXX & XXXX and interns made my FICO drop from XXXX to XXXX and cause the Denial of my home equity line of credit. I have made contact with FMC and they stated that they have reported their error however, when I try to contact XXXX @ XXXX but after 30 tries I had no luck for they have a horrible system so I filed a complaint under report # XXXX which is only for XXXX because they do not allow me to file again which makes absolutely no sense what so ever ... 
My objected for this noticed is to seek help on assuring my credit FICO score of XXXX is return and both XXXX and XXXX delinquencies of 30 days are removed completely from my credit report for FMC should have never reported false delinquencies. No consumer should have to bare this unfair financial reporting for it is truly successful and frustrating. Thank you and I truly appreciate your prompt enforcement in this matter.
Product: Credit card or prepaid card

On XX/XX/2020 my family and I hired and paid for attorney services to be provided to another family member currently incarcerated. Upon hiring this attorney it was discussed with this attorney Why and what we needed her for. She took my family members case with the agreement that she would provide the service we needed her for. Instead of her doing what we hired her for she did something totally opposite of what we hired her for. Since she did things her own way instead of what we paid her for I disputed the {$250.00} transaction with my credit card provider. The merchant we paid was also sent an email stating very clearly what we expected and hired her for. My credit card provider denied my funds to be REFUNDED back to me due to the fact they said the merchant clarified I received service from them. It didn't matter if the merchant didn't do what we hired her for is what my card provider told me over the phone. The services we received weren't what we paid her to do therefore the merchant being paid for what she didn't do should not be paid to the merchant. My card provider did Nothing to fix this issue and I wasted 30 days just to receive info they wouldn't refund my money. The dispute dept was also sent documentation showing I contacted the merchant and it stated she didn't do what we hired her for therefore all of my money needs to be refunded.
Product: Credit card

On XX/XX/XXXX I was making the rounds on my credit accounts to pay my monthly bills. I got to my Bankofthewest credit card ( Now BMO ) and tried to log in. I normally have no problems with this, and pay at least my minimum payment every month. However, this day ( and today, the XXXX ), I was unable to log in despite having the proper account log in information. When BMO tried to send the " verification code '', an error would pop up stating something went wrong with sending the code and then it brings me to a phone number to call. I called the number, and spent XXXX minutes for the customer service person to tell me " something is wrong on their end and just wait 2-3 business days, in the meantime here 's a number to pay your bill ''. I was then transferred and an XXXX callcenter person immediately asks for my social security number. I hang up, and decide to try logging in again tomorrow ( today ). I try again today. The same result. It is unable to send the code to verify my information, despite my information being correct, me being me just wanting to pay my bill, and no way to access my account apparently due to " issues on their end that I need to wait 2-3 business days to fix ''??? Which makes approximately XXXX sense to me. I just want to pay my XXXX bill like I always do. I am filing this complaint in case when I attempt to log in on Monday, XX/XX/XXXX, it fails yet again, I will be protected from whatever type of XXXX they try to pull going forward. I've never been in a position where I am trying to give a company money, and they do everything in their power to not allow me to give them my money. This is on them. Get it together.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't get my equifax credit report. I have tried logging in online and it asks me to call their toll free number. When I call them their automated system can't verify who I am. Speaking to a rep doesn't help either none of the challenge questions they have for me match my real situation. I just want my credit report so I can fix it and see what the issues are.
Product: Credit reporting or other personal consumer reports

I previously disputed these accounts a XXXXXXXX XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$6300.00} Status Repossession/Never late. {$6300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$14000.00} Status Account charged off. {$21000.00} written off. {$14000.00} past due as of XX/XX/XXXX. 
nd they not been removed.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft due to a recent data breach. As a result, a fraudulent bankruptcy entry has been added to my credit report without my authorization. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following bankruptcy entry from my credit file : Fraudulent Bankruptcy Entry : Bankruptcy Case Number : XXXX Date Filed : XX/XX/year> Balance : {$0.00}
Product: Debt collection

Had a emergency hospital visit XX/XX/2022. I WAS covered by insurance. The hospital did not charge the insurance agency and instead charged me directly. I had no idea about this debt until it appeared on my credit report. The company A R Resources NEVER contacted me notifying me of the debt. They also reported the date of first Delinquency is the day I was RECEIVING TREATMENT inside the hospital not 30 days late. This collection in itself is fraudulent. Please remove this. Seeking possible litigation if not resolved. XXXX has yet to look into this erroneous information which is a defemation of my character.
Product: Debt collection

PRA states they found no records supporting your allegations, including, without limitation, that PRA improperly used obscene and belligerent language. However, it is I, whom has been offended by the use of language in Portfolio Recovery Associates, LLC ( PRA ) notices and communications. The verbiage such as " debt collector '', " debt owed '', " collections '' al are words I find offensive. This has harmed and caused physical damage to my reputation and character. Furthermore, all notices have been received during inconvenient times. Lastly, PRA, has not validated any contract that I have consented or agreed to with their company. PRA has continued to damaged my credit, and PRA unlawful attempt to prejudice my security interest and liberties by an action against the XXXX XXXX XXXX is injuring and damaging me and is an unlawful trespass and a violation of but not limited to ; Title 15 USC 1692e ( 4 ), Title 15 USC 1692 C ( c ) ( 1 ), Title 15 USC 1692k ( a ) ( 1 ) ( a ) Article 1 Sec. 10 to the Constitution for the United States of America 1791, Nunc Pro Tunc.
Product: Credit reporting or other personal consumer reports

Hey this XXXX XXXX I am a XXXX XXXX XXXX XXXX and I have been having an ongoing issue with my credit. I have been trying to get a loan with my credit union and everytime Im told my credit report is coming back as my brothers name. I want to get this resolved as soon as possible. I have a copy of my social and ID to verify I am XXXX XXXX and Not XXXX XXXX. We are 2 different people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to company via telephone and email, no response.Requesting info be removed from my file
Product: Mortgage

My mortgage company ( m & t bank ) keeps reporting to the credit bureaus that my mortgage is late because they fail to withdraw the money from my account on time. XXXX and XXXX reported late.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, excepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal and my rights as a consumer.
Product: Credit card

I have exclusively used my American Express ( AMEX ) for almost all purchases since 2010. 
My recent customer service experience, however, has been disappointing. I rented a car from a nationally renowned car rental company. The car rental company charged my AMEX card insurance without my authorization. When I disputed this charge with AMEX, I believe that AMEX failed their duty to investigate the fraudulent charge for at least the following reasons : ( 1 ) AMEX failed to consider the fact that the car rental company withheld parts of the rental agreement ( the part about the insurance charges ) from me at the time of the rental ; ( 2 ) instead of investigating the matter, AMEX took the rental car company 's word and disregarded their bait-and-switch tactic ; ( 3 ) AMEX failed to consider the fact that multiple complaints and even law suits have been filed agains the rental car company for the very same issue ; ( 4 ) AMEX disregarded my credibility as a long-time customer who has had an impeccable overall financial history and history with AMEX in particular. 

Moreover, as a result of AMEX 's failure to investigate, the rental car company has informed me that there is nothing they can do to remedy this fraudulent charge. In addition to resolving the above fraudulent charge in the consumer 's favor, I 'd also like AMEX to resolve the issue that the rental car company now uses the consumer 's dispute with AMEX as a reason to continue their fraudulent activity.