23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am filing a complaint about an entry listed on my credit report for Equifax and XXXX, which is a public record, XXXX,, which I have tried to have disputed three different times, which was first on XX/XX/XXXX, the second time was on XX/XX/XXXX, and on XX/XX/XXXX, and now disputing for a XXXX time. The XXXX  came off but was re-inserted back on the credit file. Apparently someone with a similar name to mine filed XXXX in ( UNITED STATES XXXX COURT, XXXX XXXX XXXX XXXX for {$0.00}, and it is appearing on my credit report. After contacting the XXXX Court, they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any XXXX cases. As you all know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it permanently, immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Auto Loan Account Number : XXXX Balance : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 

INQUIRIES XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXX on XX/XX/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 XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had these on my credit for several years and months. I never knew I could dispute because the creditors told me legally Im responsible. Now I know this isnt true these are not mines please delete XXXX XXXX XXXX Update My Account Action Sent XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX - ALL XX/XX/20 XXXX  XXXX XXXX - CREDIT CARDS I was a victum of XXXX and was XXXX XXXX I was on the XXXX  for 3 days. I sufferd and the car company never honored to update my account from late. I was not late I was XXXX. Please help me. I need to get all my affairs in order
Product: Credit card

My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. My email address is : XXXX. Barclays phone number is : XXXX. I wanted to find information about this credit card. I proceeded to contact this Company, Barclays Bank of Delaware, and when the person I was speaking to told me that I would have to pay {$490.00}, a year, I told him that I wasnt interested, because I was retired, and I couldnt afford it. I repeated that twice and then I hung up. A couple of days later, they mailed me the card!! I was in shock. Well, I immediately mailed the card back, and I assumed that was the end of it. Wrong. In my email, I saw that XXXX Credit Report stated that my credit number had gone down. As soon as I saw the name, Barclays Bank of Delaware, and the amount I owed, {$490.00}, with an immediate payment of {$58.00}, I knew I had to do something. I never used the card, I dont even know the number on the credit card. I am writing to you people so that you can clear up this problem. If theyre doing this to me, there are probably others that are dealing with these fraudulent maneuvers, and they need to stop. My credit report needs to be restored to what it was before Barclays Bank of Delaware insidiously involved itself in my personal business, without my knowledge or consent. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and XXXX  and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Mortgage

Penny Mac loan officer called daily soliciting us for a refinance. Once we started the process he called 4-5 times per day asking for upfront appraisal money. He promised a rate based on loan to value and credit scores he already had. As soon as he received our debt card details and charged us the appraisal money up front he stopped returning calls or emails. We informed him he had the loan amount wrong by voice mail, he promised he would make that adjustment by voice mail but he refused to call back. When speaking to the processing team they state they cant reach him either. Our lock expired today with no corrections made yet they raised the loan fees by over XXXX without disclosing them. The processing team is using a system call slydial to leave a voice mail without reaching me to make updates stating the loan officer has yet to contact them. its been 60 days sense we paid {$650.00} for an appraisal yet everything on the loan is incorrect and the rate has expired. They will not provide me with a managers name or number to speak to. They have violated all the disclosure laws
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Unauthorized Credit Inquiries Dear Transunion, I am writing to formally dispute the following credit inquiries listed on my credit report. I recently reviewed my credit report and noticed inquiries that I do not recognize or authorize. These inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by me or those resulting from a permissible purpose can remain on my credit report. I did not grant permission for these inquiries, nor did I initiate any transaction or application with these institutions. 

I kindly request that you investigate these inquiries and remove them from my credit report they are unauthorized. Enclosed, I have included the following documents to assist with your investigation : Please complete your investigation within the legally mandated 30 days and provide me with written confirmation of your findings and any actions taken. 

Thank you for your prompt attention to this matter. Should you need any additional information or documentation, please do not hesitate to contact me at ( XXXX ) XXXX or XXXX. 

Sincerely, XXXX XXXX
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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT, and I include it again. Kindly correct or delete the following accounts : 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

American Honda Finance ran two hard credit inquiries on my credit report after I requested them not to run it twice. I called American Honda Finance directly and I explained my request to their dealership, and I was assured that it would only be run once. Now, I have two hard inquiries ( XX/XX/XXXX and XX/XX/XXXX ) for the same purchase, same financing, and same institution. I have attempted to contact American Honda Finance to request that they remove one of the inquiries. The first time, their automated telephone system discontinued my call. The second time ( XX/XX/2023 at XXXX ), a customer service representative named XXXX hung up the line. I request they remove the hard inquiry of XX/XX/2023 or XX/XX/2023. 

To summarize : I specifically called Honda Financial on XX/XX/2023 and asked them not to run my credit report. I told them that they had already ran my report and that I was pre-approved. I specifically asked about the loan approval process. I was told that I was already pre-approved and that I only needed to take my approval certificate to the dealership ( see attachments ). I specifically asked the Honda Dealership not to run my credit report. They said that I needed to complete an application in order to connect my purchase to the Pre-approval certificate. I was assured that it was not going to do a hard inquiry ( see attachments ). I asked the Honda Dealership, and I also called Honda Financial. They both assured me that I was already approved and my credit report would not be impacted by two inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaint, XXXX ID XXXX, regarding inaccurate information on my credit report provided by TransUnion. It has been over 30 days and despite my efforts to rectify the situation, the issue persists, and I seek your assistance in resolving this matter. 

Upon reviewing the copy of my credit history report from TransUnion, I observed several inaccuracies that have a detrimental impact on my creditworthiness. I promptly contacted TransUnion to dispute and request the removal of this inaccurate information, but they have refused to take corrective action, asserting that your company, TransUnion, deems the reported data as accurate. However, I firmly believe that the information is indeed incorrect. 

Here are the details of the inaccuracies : 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 I reiterate that the inclusion of this inaccurate information is causing severe damage to my credit. I kindly request that you promptly investigate this matter and take the necessary steps to rectify the inaccuracies in my credit file. Additionally, please confirm with me within 20 days that you have contacted the credit bureaus to correct this information.
Product: Debt collection

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I spoke with employees at Sunrise Credit requesting a copy of the debt owed. I disputed the amount they were trying to collect as it was inaccurate. They have refused to provide me a copy of the debt, only repeatedly asking " what do I think I owe. '' Then 15 days ago, after absolutely no communication since I requested documents back in XX/XX/XXXX, they put this debt on my credit report.
Product: Checking or savings account

On XX/XX/XXXX I went in to a branch to open a chase account. No issues at all. My roommate XXXX me her rent ( XXXX ) and I sent my money from XXXX XXXX over into the chase account. They wait till all money is in and cleared then restrict, close, and lockdown my account on XXXX. I live in XXXX and have XXXX to my name. I have not paid rent, utilities, or my car payment. My phone has been shut off because I did not pay in time. I am terrified. I talked to a bank of mine who gave me amazing advice. Most of it worked but they have still lied almost every step of the way. Sending me to the bank to get my money, then saying no. Me having to take off work to go to the branch. I have 0 idea why it was closed. It was never used except to put money into it. My money has been locked away for 11 days now and I am scared I will never get it back. I will lose everything if I do. This bank has done this to thousands of people with no repercussions. They went into my actual banks and removed that new account and added my old ones. They were the meanest people I have ever talked to. Even the executive office is hateful and rude when all I want is my money back to pay off my bills before I love everything. A guy on the phone replied this when I told him what happens if my car gets repossessed " well sir, I guess it gets ( repossessed ) All this could have been avoided if they did not hold my money hostage. The reasoning behind it makes me think they do not have the capital to pay it back. 3 NY banks acquired chase and in my experience, that sounds like these banks purchased Chase and are planning to dismantle it and strip it for parts which is why the closure of thousands of accounts. One of the biggest banks in America is about to fail and their last grasp at surviving is to steal from their customers. And the FDIC, FTC, OCC, CFPB, Attorney general, no one will help. We are just consumers vs a major bank. I am terrified they are going to steal that money. XXXX of it already disappeared.
Product: Credit reporting

I was victim of fraudulent activity XXXX times this year thus far. Someone stole my information and my credit was impacted ( i.e., triggered several derogatory activities on my credit reports )
Product: Credit card

I filled a dispute with with Citi Bank on XX/XX/year>. Citi bank reports the dispute has been " Resolved '', however, I have tried on three separate occasions to get a copy of the merchant 's response to my dispute and a copy of the dispute I submitted to Citi Bank. Each time I call Citi Banks says they will e-mail me the requested information and they confirm the e-mail address, however, the never send the requested information. Each time I call the Citi Bank agents acknowledge the information from my previous request has not been sent, they go through the same process as the previous agent and say the information will be received in 24 to 48 hours. The Case ID ( assigned by Citi Bank ) for which I'm requesting the information described above is XXXX. In addition to Citi Bank refusing to send the information requested above, it is also not available via my on-line account nor has any information regarding this dispute been received via the mail. The automated voice information regarding this dispute at Citi Bank is incorrect. The information regarding this dispute at Citi Bank via my on-line account has links which when clicked on go to nowhere. As a consumer it sure appears Citi Bank is going out of their way to make things difficult for me in this matter.
Product: Checking or savings account

I applied, and was approved for a new {$10000.00} XXXX bank CD with XXXX XXXX ( powered by Webster Bank ) XXXX XX/XX/XXXX. I noticed that {$10000.00} was taken out of my funding source XXXX XXXX XXXX XXXX the very next day ( XX/XX/XXXX ) for this CD. Then, I opened an online account with XXXX XXXX and noticed that my balance for my CD is still showing as {$0.00}, even to this day ( XX/XX/XXXX ). How come? I should have received daily accrued interest with XXXX XXXX ( Webster Bank ) through this CD since XX/XX/XXXX, when they successfully withdrew my money from XXXXXXXX XXXX. I called and talked to a supervisor yesterday at XXXX XXXX customer service, and he said that I should see my {$10000.00} balance finally appear in my CD account by XX/XX/XXXX. But this delay in acknowledging receipt of my {$10000.00} is a deceptive banking practice by XXXX XXXX, no?
Product: Credit card or prepaid card

My American Express accounts were closed in XXXX in error due to billing disputes. Why would I intentionally try to get my accounts closed? I always used and payed my cards on time. It was fraudulent for whoever had my accounts and was not me. I need to be able to apply for another card without getting denied. I have been with Amex since 2018. And I am a veteran. I shouldnt be treated this way for an error that was not me.
Product: Checking or savings account

On Wednesday XX/XX/XXXX I received an email from Citi bank that they would be closing my account within 60 days, and that they were freezing my account because I violated one of the terms of their savings accounts. I have done nothing wrong, I am not entirely sure why my account is being closed and they wont tell me whats going on. I have called 8 different times and gotten several supervisors at the Citi bank call center. The first person I talked to said we could transfer my money out no problem, then transferred me to another person who hung up on me. Then one by one I call back each of the representatives that I talked to either hang up on me, or put me on a silent hold until I hung up, each one promising that they would help. I was not belligerent with anyone, but I was firm, I need to know where my {$15000.00} is, and I need to have access to it. I am a single parent raising a 3 and 6 year old, I am a full time student, and I suffer from XXXX, XXXX and XXXX. The last thing I need is a bunch of call center associates taking enjoyment in playing games with me. This is their only point of contact, so I have no other means to contact any supervisors within the company. I had associates telling me Oh yeah, dont worry, Ill make sure you dont get disconnected and then disconnecting me. I find this completely unprofessional and quite disturbing that a company would condone or encourage behavior like this. I trust my bank to keep my money safe, and I feel not only betrayed but hurt as well. Nobody should have to go through the stress that I have had to deal with over this, and I still have no answers.
Product: Money transfer, virtual currency, or money service

I signed up for the free trial to check my credit report and cancelled it right before the free trial and this company had made repeated attempts every single day for the over a month to take an unauthorized charge of {$20.00} out of my account. Its hard to get a rep on the phone and they keep trying to debit my account even though because my card is locked it keeps declining they keep excessively trying to debit my account going on a month now
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer from my XXXX account ( banking service provided by XXXX Bank, XXXX ) to my XXXX 's Bank of America account. The wire transfer was returned by Bank of America less XXXX dollars than the original amount. I am certain that XXXX does not charge any fee for sending or receiving wire transfer ; therefore it was Bank of America who charged XXXX dollars. 

I request Bank of America to refund XXXX dollars for the following reason : XXXX. Bank of America does not have any fee schedule on failed or returned wire transfer so that XXXX charge did not have my consent ; XXXX. I am not a customer of Bank of America is this transaction and I should not be responsible for returned wire fee. 

Here are the reference regarding to this wire transfer attempt : XXXX Reference : XXXX, XXXX Bank of America Wire Transfer XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to Transunion since XX/XX/2022, with my driver 's license along with my utility bill verifying that its me sending them my letters. you will see with the attachments that i have sent. They are not investigating or verifying anything, and it has been going on past 60 days now. Here is a letter they sent me dated XX/XX/2022 stalling yet again and still reporting inaccuracies on my credit report. I have asked over 4 times already for them to show me how those inquires and charge off collections are verified, and validated, and they have been refusing to investigate and show me proof of anything. here are the letters i have been sending them.
Product: Debt collection

Capital Management Services has called me over a dozen times saying that they are trying to collect debt from me. I have no known debt what-so-ever and I checked my credit report and I have ZERO debt. Very confused as to why they continually call me. I have not answered and I do not plan to answer until they provide me with a letter or proof of said debt.
Product: Checking or savings account

I opened a new FIFTH THIRD MOMENTUM SAVINGS and CHECKING accounts on XX/XX/XXXX. 
Link for the promotion https : //www.53.com/content/fifth-third/en/mkg/checking-offer.html To qualify for the {$350.00} checking bonus, provide the offer code, open a Fifth Third Momentum Checking, or Preferred2 checking account by XX/XX/XXXX and make direct deposits totaling {$500.00} or more within 90 days of account opening. 

I made multiple direct deposits totaling {$500.00} or more within 90 days of account opening. 
I never received the {$350.00} bonus within 10 business days of completing the qualifying activity requirements. 
I contacted FIFTH THIRD bank on XXXX about the promotion and they refused to honor the promotion.