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

This is another attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of any of these items in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy, and the reported history on these items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
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 XXXXXXXX
Product: Checking or savings account

Citibank closed my savings account on XX/XX/2022, because they thought there was some kind of fraud committed. The only transaction that was done by me was to reverse two transfers from my Citibank savings back into my originating XXXX XXXX XXXX. 

After many many calls to Citibank customer service and their Fraud Department, and two detailed letters this matter is still ongoing!!!!!

ALL THIS FOR JUST REVERSING TWO TRANSFERS FROM MY SAVINGS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The company still shows a string of delinquent payments. Still shows a balance of {$510.00} owed on the card. XXXX XXXX needs to show the account with no payment issues and no balance due. 

I still have not received the information regarding the previous action. 

This has been a 3-year ordeal and they have made multiple promises to address this, they simply don't. 

I expect the account to be either closed or open with a non-negative record. I still don't have the correct information with regard to the XXXX issue where their people were on the call with me while dealing with XXXX.
Product: Credit reporting or other personal consumer reports

BANK OF AMERICA is in violation of multiple laws set forth by Congress in regard to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( BANK OF AMERICA ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( BANK OF AMERICA ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. BANK OF AMERICA can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. On XX/XX/year> on a recorded call I attempted to settle the matter. BANK OF AMERICA has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In BANK OF AMERICA 's terms and conditions they agreed not to share my information with non affiliates. XXXX and XXXX are not an affiliate of BANK OF AMERICA nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion failed to conduct a reasonable complete investigation on a account that's not 100 % correct. They cant complete a investigation because the furnisher is not participating which means this account is being reported inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS XXXX Birth Day XX/XX/XXXX I'm requesting from Equifax to follow the law and report all XXXX accounts on my Equifax credit report. 
Because of Equifax negligence my FICO score is down XXXX points. Either they are reporting incorrect information or not reporting my accounts and keeping my FICO score low.The banks have tried to report it to Equifax but for some reason Equifax is not able to report it on my credit file. For verification purposes I am sending you statements from all four credit cards. a copy of my driver license and utility bill. 
If Equifax fails again to report these accounts on my credit report I will be forced to take legal action for damaging my credit. 








XXXX XX/XX/XXXX EQUIFAX DO NOT have it on my credit file Account # XXXX XXXX XXXX XXXX. 
Exceptional payment history Opened XX/XX/XXXX ( EQUIFAX DO NOT have it on my credit file. 
Account # XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX EQUIFAX DO NOT have it on my credit file Exceptional payment history XXXX XX/XX/XXXX EQUIFAX DO NOT have it on my credit file XXXX XXXX XXXX # XXXX Open XXXX XXXX
Product: Money transfer, virtual currency, or money service

Made an International Wire from JP Morgan Chase Business Banking to go to the XXXX XXXX XXXX XXXX XXXX XXXX   bank acocunt in XXXX. The wire was debited on our account. When I went into the Chase Branch I was told that our accounts had been suspended and they were unable to give an answer as to why. At this point, I was issued a cashiers check for the remaining balance in the account but it did not include the wire that our vendor in XXXX never received. 

DATE OF TRANSACTION : XXXX XXXX AMOUNT : {$16000.00} USD THIS TRANSACTION WAS DONE IN THE CHASE BRANCH BY A PRIVATE CLIENT BANKER. 

It is my understanding that because of Covid-19 the Chase Wire Research Department is not open, and there is no further assistants they could provide at any level. 

What is the next step in getting a refund for the wire that was never received or how to track it down to get to our vendor? 

Thanks so much for your assistant and advice on this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX recently alerted me to fraudulent activities and unauthorized credit inquiries made using my personal information. Specifically, credit cards were opened under my name with XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX and XXXX ( XXXX ) on XX/XX/2023 and XX/XX/2023. I want to emphasize that I did not apply for any of these credit cards or allow anyone to run my credit. It's important that I take immediate action to report these fraudulent activities and protect myself from further financial harm. 

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Wells Fargo XX/XX/2023 XXXX ( XXXX ) XX/XX/2023 and XX/XX/2023 I never gave any consent or authorization, nor did I apply for any of these credit cards from the Companies listed above. I definitely did not give permission for anyone to run my credit. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in your credit report. Additionally, I have the right to request an FCRA deletion which requires the credit reporting agency to delete any information that can not be verified as accurate. Call to action to delete all credit applications of these companies that made the unauthorized inquiries and request that they close the applications and delete any associated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Mortgage

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been.

Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.

Thank you for your consideration, and I hope youll approve my request. 

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

I did not authorize this hard inquires : XX/XX/XXXXXXXX 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

On XX/XX/2020 I sent a letter with respect to off base and obscure things on my credit report, it's been more than 60 days after the fact and I have not gotten any reacts. As of this second, consumer reporting agency have not carried out their responsibility ordered under the law. I have an inclination that I am being exploited and being disregarded about my disputes. Inability to follow these government guidelines by credit reporting agencies are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). Likewise, Section 611 ( a ), it is doubtlessly expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 60 days so they ought to deleted promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I reviewed a copy of my consumer report and I could not believe what I saw. There are 2 fraudulent accounts furnished on my report. I notified the FTC immediately because I am a victim of I identity theft. The data furnisher do not have any contracts bearing my wet ink signature. I requested an investigation into this matter because of the damage it is causing me. According to 15 USC 1681 Consumer reporting agencies are obligated to conduct a fair and reasonable investigation into the validity of these accounts. XXXX XXXX XXXX and XXXXXXXX XXXX XXXX. I do not know how these people got my information but it is a violation of my rights to furnished inaccurate information about me to a consumer reporting agency. I have included an updated copy of my license as well as a copy of the FTC compliant. I am contacting you through the CFPB because I need all the help I can get fixing the things that these companies has falsely reported about me.
Product: Bank account or service

I had been saving my rent money in my savings account to set it aside for the first of the month. However, I transferred it back to the checking account too late ( one day late ) and because of that, I was charged a fee. I 'm in serious financial distress right now. After a medical problem, I have accumulated a lot of debt and I had only allocated the last {$20.00} that was supposed to be in my account to feeding myself for the next 10+ days. This bank has refused to return the {$35.00} despite my circumstances and my account remains negative with no possible way for me to fix it and with more fees on the way because I also had XXXX small bill that will now also overdraft my account since the fee was charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number, drivers license and business ID was illegally used by my sister and husbands tax preparer for their personal gains. I paid him XXXX XXXX dollars on XX/XX/XXXX to help get me some type of aid and assistance that will help my business thrive without the stress of constantly working 60 hrs a week. Throughout that process of waiting, my fiancs brother stole my wallet not even six months later, due to his lack of accountability in our friendship. I have XXXX growing sons that I work hard to keep out of the realms of the vanity that exist this world. XXXX thing is once I told him No for the first time he steals my wallet and piles onto the compile of defrauding the XXXX and other lenders for illicit. I finally checked my credit score and noticed an extreme amount of inquiries. Just received a business credit report just to see my tax were altered from XXXX til now. Help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

My trouble is with my Bloomingdales credit card which is issued by the Department Stores National Bank. Here is what happened. 

When I paid my XX/XX/XXXX bill, I thought I paid in full. I paid online, and chose the " balance due '' option. 

However, apparently, I was charged interest for an extra day or so. This amount was under XXXX dollars ( the bank rounds up any charges to XXXX dollars ). 

I did not get a statement showing I owed money. 

On XX/XX/XXXX, I made another purchase. 

On XX/XX/XXXX, my father went into hospice and died two weeks later. I received a note from Bloomingdales that my account was past due as of XX/XX/XXXX. On XX/XX/XXXX, I paid the balance due. On XX/XX/XXXX, Bloomingdales reversed the late fee they charged because I have an excellent payment history ( my credit score is in the low 800s ). 

However, Bloomingdales put a 60 day late charge on my credit report because of the XXXX dollar charge from XXXX that I was unaware that I had. 

I tried calling Bloomingdales and the woman was very rude and told me I was at fault. I asked for a supervisor to investigate. I also asked XX/XX/XXXX to investigate. 

The charge was not removed. I contacted Bloomingdales credit again in XX/XX/XXXX, after I had been rejected for a student loan because of the 60 day late payment record on my report. Bloomingdales put me through to a supervisor who said there was nothing he could do and advised I contact XX/XX/XXXX 

XX/XX/XXXX said there was nothing they could do and I should contact Bloomingdales. 

I contacted Bloomingdales and they said they couldn't discuss the case or elevate it for further review because I had " accepted '' the supervisors ' findings. I asked how I could proceed with arbitration and was told I had already done arbitration and there was nothing more I could do. I asked how I was supposed to have known that I was engaging in arbitration and she said there was no way I could have known but that the XX/XX/XXXX conversation I had with the supervisor was the only chance I had to request a further review by a manager and/or arbitrate the findings. However, I was never notified that was the case. 

Now, I am stuck unable to get a mortgage or a student loan ( except at high interest rates ) for an oversight that resulted in a late payment of under XXXX dollars. I do not think this is appropriate or fair.
Product: Credit card

Over the past XXXX years Citibank has repeatedly let third parties into our credit card account. Their customer service people dont use the verbal password which supposedly is required for access. As a result, they have had to issue us many new credit cards, and cancelled our old ones, often leaving us without a credit card while traveling. When we return home and try to activate the new cards, they refuse to talk with us until after they mail us a code which takes even more time. Because of the many problems, a supervisor in fraud set up a second level password, which they also dont use. Our file of interactions with Citibank is a great example of poor customer service, incompetence, and nonsensical policies.
Product: Checking or savings account

On XX/XX/2020 I opened a new account with Chase Bank online. I received the new debit card and information to begin direct deposit by XX/XX/2020 I would also receive a {$200.00} bonus for doing so and how to download and use the Chase app on my XXXX. As I received SSXXXX I missed the XXXX deadlind for direct deposit so set up for direct deposit to begin in XXXX. I received a small rebate check from XXXX so using the phone app I deposited the check into my new Chase Account. It never rolled over to funds I could use. I then received a letter on XX/XX/2020 dated XX/XX/2020 that Chase would be closing my account as I had not provided them information requested. I immediately called Chase as I have not be asked to provide anything more. After a substantial hold the agent came back and said they were closing my account as the XXXX check is a third party check it isnt mine. I escalated immediately as this check is mine with my name and my address the same as this account. The excalation supervisor looked it all up and agreed there was nothing wrong on my behalf. The Chase banking system had linked it incorrectly to another persons account. I did nothing wrong. However Chase still was closing the account they could do nothing. I asked about them then opening a new account as they were the ones to mess up not me. I was flatly told if I wanted a Chase account it was up to me to go reapply. I recalled and asked additional agents. Emails were sent to the CEO of consumer banking and the Chairmans office. Nothing ever answered. I am owed back my XXXX money. I should have the bonus. Now I have no account for the SSXXXX  check. Chase thinks its fine. They XXXX  up on their systems. They call me the liar despite the proof is in their hands and they do nothing for service.
Product: Mortgage

We got a bill from Freedom Mortgage stating we owed way more than our normal payments because they said that we owned 3 properties and our taxes were suppose to be XXXX per year and we had to pay a XXXX house payment to catch them up. We called and emailed them proof that our taxes were only XXXX per year and they made a mistake. They supposedly fixed the mistake, but come to find out they havent because we sent XX/XX/XXXX mortgage payment and they put it to the owed taxes and escrow instead of our house payment and in turn sent a bill stating we were late on XX/XX/XXXX house payment with a late fee on top of that. We paid our house payment on time and they messed up and they mess up all of the time. This needs to be fixed and we should not owe a late fee and they better not tell the credit bureaus that our mortgage was late, because it wasnt. 
Thank You!
Product: Checking or savings account

I have a checking account, a savings account, a joint account, 3 credit cards, an Roth IRA, a Traditional IRA, and also a Mortgage, all with JP Morgan Chase. 

On XX/XX/XXXX, I realize my scheduled XX/XX/XXXX mortgage payment from my Chase Checking was rejected. I noticed other transactions from my Chase checking were also rejected. I called Chase to find out whats going on. And that is when I was told that all of my Checking, Savings, Joint Account are being closed as of XX/XX/XXXX. My husbands Chase Checking And Savings accounts were also closed. 

We went to the local Chase branch and was told they cant give us any reason for the closure besides that a decision is made and its irreversible and that we will receive a letter regarding it. 

Its important to note, we did not receive ANY advanced notification of account closures. The branch told us a letter is sent in the mail. However, we have not received any such letters, we checked all of our mailbox plus past addresses where it could have been mailed to. There are no letters for either of us notifying us of account closures. 

If we were notified in advance, we would have taken appropriate actions to change the payments for our mortgage, for our credit cards, for all auto payments which are all made from the account. We would have moved our money to another bank. 

Now our funds are frozen, and we dont know when we will ever get access to our money. Our bills are not paid, we will get penalized for being late on our mortgage, our credit will be affected, and we dont know what we will do without access to our money. 

We have an infant baby almost turning 1 with a lot of expenses and bills. 

Ive been a loyal Chase customer for over a decade and to be treated with such disregard and to have my money taken hostage by them without any notice is unfair, abusive and its as if a crime has been committed against us. 

I hope we can get some justice by making a formal complaint here to you and ask the government to help.
Product: Credit card or prepaid card

XXXX XXXX2020 I bought items from Full-beauty online clothing store using the Comenity Bank credit card for {$69.00} I also bought, items used my XXXXXXXX XXXX credit card with the same bank in the amount of {$56.00}. 

Both changes were posted to the XXXX ( or Comenity Bank ) credit card. 
I call XXXX credit dept and they posted the changes to my XXXX  card. But XXXX XXXX still have these changes posted to their bank card card. 
I have call numerous times to get the matter resolve but was told the changes will fall off in XX/XX/2020. That means my credit line in off and so is my credit report which shows what I owe which is incorrect..
Product: Consumer Loan

In XX/XX/2013 I got a car loan at XXXX Nissan Motors in XXXX XXXX California But this car a few months late we discover that it vehicle was hit and the seller never said about this we went to make a report at Nissan consumer and they do n't did anything to help us one year late this same car was bringing to maintenance and in the passenger sit had some drop of water I told to the person at charge to deliver the car and to the manager but they said could be some water in one month late this sit had a hole when I show the sit to the manager they said that perhaps my husband gave a shuttle to somebody and this person smoking they never wanted help
Product: Checking or savings account

On or about XX/XX/XXXX, Midfirst Bank on XXXX XXXX in XXXX  XXXX froze our checking and savings accounts for both deposits and withdrawals. All direct deposits were affected and rejected. It has been almost 3 months and nothing has been resolved. I have supplied XXXX emergency guardianship letters signed by Oklahoma XXXX XXXX in addition to Power of Attorney, that should have resolved this. There is over {$6000.00} in these accounts that need to be used to pay bills.