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

My son turned XXXX in XX/XX/2021. He had a XXXX checking account on which I, his father, was responsible individual. It was not an active account but had collected hundreds of dollars of funds that were birthday & holiday gifts over the years from relatives. Upon turning XXXX, his account matriculated into some kind of higher-end Citibank " Priority '' checking account with a ( whopping ) $ 25 monthly service fee. It looks like since his turning XXXX a year ago he has been charged that fee 13 times ( and one was refunded out of courtesy ). When I log in online I can still see the account as I guess I'm still an authorized signer on the account. 

I don't believe Citi has a good process to right-fit customers that become adults in this situation. A {$25.00} fee amounting to hundreds of dollars charged in the last year is unconscionable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX   XXXX  had inputted an inquiry on my credit report without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX has not done a through job in this matter I have cleaned my credit report up once and every negative item was removed and now they have seemed to all reappeared after all these years causing my XXXX XXXX to go down.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605c that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXX {$3200.00} XX/XX/XXXX XXXX {$3000.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX. These accounts 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late XX/XX/XXXX, I noticed 2 late payments reporting incorrectly on all 3 Bureaus with XXXX XXXX XXXX  and XXXX. I immediately contacted each agency to notify of the error and have the incorrect reporting deleted from my account. The results came back and nothing was done to stop the incorrect data from reporting on my report. 

Regarding XXXX, I have documentation that supports that the account was closed XX/XX/XXXX ; however, a late payment is being reported ( to date ) that I have a late payment reporting as of XX/XX/XXXX. 

Regarding XXXX, I have documentation that supports an on time payment XX/XX/XXXX ; however, a 90-DAY late payment is being reported XX/XX/XXXX. 

The bureaus are reporting my credit history inaccurately causing me defamation and financial damage. 

PLEASE DELETE inaccurate reportings as this has been ongoing since XXXX. 

Thank you for your time and assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX in regards to a lien that was taken out on my car that was not taken out by me. I have disputed this information and I have tried to contact the company through the CFPD. This company has not responded back to me. I am requesting that the credit breaus take the information off of my credit report because this debt was a result of fruad. someone took a lien out on my car and my car was taken and these people are still showing a balance on my account. XXXX XXXX XXXX has not gotten back to me the two times I have contacted them in regards to this debt.
Product: Credit card

I've consistently made sure that payments on this account are made on time, ensuring they are never overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute and request the immediate removal of an account listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) and specifically referencing 15 U.S.C. 1681s-2 and 15 U.S.C. 1681e ( b ), I believe that the presence of this account on my credit report is inaccurate and is causing significant harm to my creditworthiness. I would like to bring to your attention the fact that the Internal Revenue Service ( IRS ) considers a charge-off as taxable income. As such, this inclusion on my credit report is both misleading and inaccurate, as income is not supposed to be reflected in a consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my FICO score went down from XXXX to XXXX. I immediately log in to the 3 Credit Bureaus website to check what happened on my credit score ; I ended up submitting online disputes. I wasn't able to provide and attach any file supporting my claim because I don't have any documents at that time. There was no phone call, email, nor a final statement of account about this collection claim of {$86.00} that was reported by XXXX XXXX XXXX. The credit bureaus investigation results say that the claim is valid but didn't provide any reason. I decided to call XXXX XXXX, the credit collection agency in Texas that reported this claim to the credit bureaus. I asked what was the {$86.00} collection claim on my credit report that they also failed to notify me ; there's was no statement of account for me to verify. In the end, they ask for a dispute letter for them to investigate on this case. On XX/XX/XXXX I sent a dispute letter to XXXX XXXX. On XX/XX/XXXX, I received a collection bill from XXXX XXXX XXXX. The very first bill I got regarding this claim, but then again, I don't know the details of how I ended up having a credit of {$86.00}. On XX/XX/XXXX, I sent the dispute letter they asked to dispute the validity of the debt that they are claiming. In reply to my dispute letter, on XX/XX/XXXX XXXX  sent me a copy of all the documents they have on my account. For the first time, I finally see the final account statement billed by XXXX XXXX XXXX. I can finally explain myself and again dispute those charges, those charges on my account are not valid. On XX/XX/XXXX, I sent another dispute letter to XXXX XXXX XXXX to explain what really happened and that their claim is not valid. I asked them to remove the collection claim that they reported to the credit bureaus. With all these steps of explaining and sending the dispute letters nothing solved my problem. I still have a collection report on my credit history and my credit score is still low. As my last resolve, I am filling this complaint and I will attach copies of those disputes letters and other supporting documents.
Product: Checking or savings account

I accidentally deposited a business check through my CHASE APP into my personal account, which caused CHASE to close the account and hold on to my funds. because they thought the account was fraudulently open and that I have stolen the funds. They asked me to go into the branch and verify my identity and bring in XXXX forms that confirm that I am the rightful owner of this company. After I had not heard from anybody back in XXXX weeks I Called to follow up ( I was on hold for an hour and XXXX minutes ) and I was told that they couldn't release the funds because my XXXX registration is listed as " Company Name XXXX XXXX '' where the chef written had the COMPANY NAME on in it, without the XXXX XXXX part. 

They refuse to give me my money back and they refuse to issue a refund to the company that has written it.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Virginia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts have been reported incorrectly and I would like them to be investigated and corrected : XXXX XXXX XXXX XXXX  : Late payment account ( XXXX ) XXXX  : Charge off account ( XXXX ) XXXX  XXXX : Charge off account ( XXXX ) XXXX XXXX : Charge off account ( XXXX ), Charge off account ( XXXX  ), and Charge off account ( XXXX ) XXXX XXXX XXXX  : Charge off account XXXX XXXX ) XXXX XXXX : Charge off account ( XXXX XXXX, Charge off account ( XXXX ), and Charge off account ( XXXX ) XXXX  : Charge off account ( XXXX ) XXXX XXXX XXXX : Collection account ( XXXX ), Collection account XXXX XXXX ), Late payment account ( XXXX ), and Late payment account ( XXXX ) XXXX XXXX XXXX XXXX Collection account ( XXXX ) XXXX XXXX : Collection account ( XXXX ) I believe that some of these accounts may have been reported in error or contain inaccurate information. I would appreciate it if you could investigate these accounts and correct any errors that you may find.

Please provide me with a written explanation of the results of your investigation and any actions taken to correct these errors. Also, please provide me with a copy of my updated credit report once these corrections have been made.

Thank you for your prompt attention to this matter. 

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

There is a fraudulent account on my consumer report that I am highly disappointed about. As I was attempting to buy a home and this account appeared. I was apart of Equifax 's breach and as promised they would protect my information moving forward. I dont not feel that my information is being protected. This is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is invasion on my report and a defamation to my character. I want to be able to buy a home and this account is stopping me. This is putting me and my family 's livelihood in a bad space.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX Phh mortgage, account XXXXXXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$13000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2021, I filled room inquiry through the online form at XXXX XXXX website, asking availability for a room with bathroom for XXXX person ( XXXX adults and XXXX kids ) for one night stay of XX/XX/2021. 

Instead of giving us a price quote, the hotel XXXX asked our credit card information and said they will not be able to confirm the room without credit card information. After I sent them my credit card information, they replied that our reservation is confirmed, but they never sent us a formal confirmation with specific room types, total room charge and cancellation policy Partially due to the reason that I never received their booking confirmation information, I did not cancel this booking. And XXXX XXXX charged me {$450.00} for XXXX night stay as no show. I do not agree upon this charge. 

I missed the reservation by mistake, but this is not the ground that the hotel can charge me anything they stated. There is no previously agreed upon price nor there is any confirmation of showing how many rooms they were going to reserve for me. I have XXXX adults and XXXX children for the trip. Based on their website description, a cottage for the price of {$230.00} for one night will accommodate my family nicely. But the hotel charged us twice as much. 

This wasnt a fair business practice of charging me inflated price without a previously agreement upon terms by anyone. The hotel never informed me the exact term of the reservation price or room ( XXXX ) in any form of communications. That was partial reason why I missed this reservation The hotel should provide me some form of contract with price stated before my hotel stay. And if I knew the outrageous price of room rate they will charge me, I would certainly cancel this the reservation. 

I dispute this charge with Bank of America. Bank of America denied my claim. I believe Bank of America made a wrong decision and treated its customer unfairly. Bank of American let the merchant freely charge the credit card without proof of any price agreement or receipt. 

The wrong doing of XXXX XXXX not telling their customer of cost of service before making charge is a violation to Fair Credit Billing Act. And Bank of America did not resume the responsibility of protecting its customers from the unfair billing practices.
Product: Credit card

I sent over drivers license social security card and bank statement 30 times and each time I was told something was wrong but yet I was unblocked and next reblocked. Each time I phoned the XXXX department each person I speak with tells me something different. Asking me to resend the documents over and over again one person says they can read and see my documents and another person says send again. Today I phoned and was told to change my ID my ID has not expired, I was also told to just send a copy of my current bank statement and ss card along with my id which I have been doing for months now. I have reached out to the office of the President more than 50 times XXXX will not reach out to me like he said he would, I did receive XXXX letter from him asking for the documents I also sent him the same documents and asked him to forward them for me at least XXXX times not XXXX person will help me. I spoke with another person she would not help either.
Product: Debt collection

I emailed you and advised you I do not know who you are or what this debt is you claim i owe you. 

Without contacting me you reported a collection to the credit bureau 's intentionally harming my credit like the cowards you are. 

I will not pay one red cent. According to your address it says you are based in California. Well I HAVE NEVER LIVED in CA, so how could i owe you almost {$5000.00}?! You see how you never can produce a signed contract when I dispute the bureaus? 

You have the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to the 3 credit reporting agencies on XX/XX/XXXX to  have deleted from my files 3 tax liens and an dismissed bankruptcy in accordance with the National Consumer Assistance Plan that went into effect on XX/XX/XXXX of this year. As of today, XX/XX/XXXX, the only updates from the 3 bureaus are that they show dismissed, which is unacceptable.
Product: Money transfer, virtual currency, or money service

I am trying to withdraw {$3400.00} from my Robinhood brokerage account. All the funds have been settled in my account for at least 2 weeks. 

My account was restricted due a to a previously failed deposit from my bank account to Robinhood. This deposit was for {$5000.00} and when the deposit was returned, Robinhood ALREADY subtracted the {$5000.00} from my Robinhood account. This {$3400.00} still in the account is in excess of that deposit and has nothing to do with the {$5000.00}. 

I have been emailing Robinhood support since XX/XX/XXXX for them to lift the restriction and allow me to withdraw the funds. I am subsequently closing my account because of the incredibly poor customer support - there are many people on XXXX claiming to be having the same issues and lack of response from Robinhood. 

I have sent multiple messages and been in touch via XXXX Direct Messages with their support account who keeps telling me they are escalating my case. However, today they just told me they want me to deposit another {$5000.00} to my account in order to lift the restriction. 

I will not be doing that. I want to withdraw the money which is RIGHTFULLY mine and close my account immediately. 

If my account were negative as a result of that initial deposit being returned they would most certainly report it to credit bureaus and ding my credit report. This is an incredibly shady practice on their end holding thousands of dollars of mine hostage My Robinhood account number is : XXXX Support Case ID : XXXX
Product: Credit reporting or other personal consumer reports

It should come naturally to understand the importance of an accurate credit report in one 's financial life. Finding errors in the credit report that conflict with one 's own financial records has therefore caused some concern. 

As a result, a request is made to correct these errors and update the credit record. A business such as yours is supposed to maintain strict standards of accuracy, and the records ought to accurately reflect your spending and saving patterns. 
I would appreciate a prompt response to this matter. It is hoped that quick action will be taken to correct these errors, considering the possible consequences. 

It is impossible to overstate how crucial accurate credit reporting is. Finding inaccuracies in the credit report is concerning because it is a crucial component of financial security. It raises questions regarding the stability of your services and your financial situation. The initial trust in your organization can be restored with a speedy resolution to this matter. 

We anticipate that this issue will receive prompt attention. In addition to being highly anticipated, a timely answer is also regarded as vitally important. You can rebuild confidence in your services and reinforce the legitimacy of your company by taking quick action to resolve this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C, 1681section 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 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 b this is not me due to a date breach please do not send to a third party and take off of my credit immediately please. 

according to USC 16 92G I will need a detailed list of the payment history I want to see the original signature that I agreed to on the contract has there been any insurance claims on this debt? I would like to see the chain of title you have to collect on this debt. 

All in all my information was leaked and a bunch of things have been opened in my name. Now according to the law I will need theses taken of my credit immediately.
Product: Mortgage

I am the trustee of a living irrevocable trust that my parents home is a part of. This mortgage company is trying to include the taxes on this home in my debt to income ratio. 

I told them that this is incorrect and they should not include this, because as a trustee, I have no ownership or interest in my parents home. 

I even showed them the tax bill stating that my parents pay the taxes.