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

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, has violated my rights. I looked at my credit report on XX/XX/year> and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2, they are supposed to 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: Mortgage

I reached out to New American Funding to gather information about a home equity loan on XX/XX/XXXX. I explained to the agent I was working and that the call was going to be short due to my work obligations. The agent agreed to call me back on XX/XX/XXXX to continue the conversation and answer questions. On XX/XX/XXXX I received an email from the agent 's XXXX asking how my loan process was going. I responded the agent never called me back. On XX/XX/XXXX my wife and myself both received alerts that a hard inquiry credit check was performed. The agent called me after the unauthorized credit check ; I returned the call and advised I never gave him permission to pull credit. I later spoke to the XXXX and filed a complaint. The XXXX later called me back, stated he reviewed the original call with the agent, and stated he agreed that I never authorized the credit check. The XXXX advised at this point customer service will take over. That evening I received a call from customer service that was later transferred to the XXXX XXXX ( XXXX ). The VP would not acknowledge any wrongdoing and stated I implied permission to pull credit checks on my wife and myself. The XXXX denied FCRA was violated. I asked for compensation to correct the issue myself and was denied. The VP advised the only help XXXX XXXX XXXX will offer is to correct the issue with the credit bureaus themselves and that it would require me to authorize power of attorney so they can operate on my behalf. 
I never gave verbal or written permission for my credit check to be pulled. 
At no time in this process did anyone speak to my wife and she never gave verbal or written permission for her credit check to be pulled.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. 

The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXXXXXX  It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. XXXX is reporting recent balances of XX/XX/XXXX {$34000.00}, XX/XX/XXXX {$33000.00}, XX/XX/XXXX {$34000.00}, XX/XX/XXXX {$34000.00}, XX/XX/XXXX {$34000.00}, XXXX XXXX {$34000.00}, XX/XX/XXXX {$35000.00}, XX/XX/XXXX {$34.00}, XXXX. According to the Fair Credit Reporting Act ( FCRA ), Arizona Consumer Fraud Act ( A.R.S. 44-1521 ) negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. Thank you for your prompt attention to this matter.
Product: Checking or savings account

I wanted to take advantage of the XXXX  bonus to open up a new checking account with Chase bank. 

I rushed to my local Chase and promptly opened up my account. I asked the Chase employee if i was eligilble for the {XXXX  She responded with a firm " No '', with not checking terms. 
I was already prepared to switch over from another bank so i ended up opening an account anyways. 

I had had chase over 5 years ago, so the employee told me i was not eligible. 

After reading the fine print today, i WAS and AM in fact eligible for this promotion. 

I have the employees name and branch if needed. 

I would to be included in this promotion, be it that i already set up direct deposit. 

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

I have sent in 3 request for this duplicate account to be removed from my report and Equifax refuses to remove the duplicates of the account and violating my consumer rights I sent a certified letter on XX/XX/XXXX XXXX called XXXX XX/XX/XXXX Online Dispute XX/XX/XXXX The company that is a duplicate is XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 I was incarcerated and on XX/XX/XXXX {$1400.00} stimulus was deposited into my account. At the time of my arrest I think someone took my card because It was not in my belongings at jail. I was missing a card. I got out of jail on XX/XX/XXXX and immediately filed dispute because someone spent over {$1400.00} within minutes of it being deposited into my account. The bank did refund some of the charges which makes no sense because ALL OF THE CHARGES OCCURRED WITHIN MINUTES OF EACH OTHER. Please help me get my {$1400.00} stimulus money back. I have messaged and messaged and emailed for almost a year now and they dont help. They even filed the original dispute on XX/XX/XXXX incorrectly. I made it clear to them that {$1400.00} was deposited into my account and within minutes it all was being spent while I was locked up in XXXX XXXX XXXX. I have sent them proof of me being in jail for 30 days and they still didnt help. Customer service can only be reached by chat and they are from another country and barely understand what I am trying to explain to them. I had to get them to refile the original dispute because of them not adding all of the correct transactions that I was very clear about. {$1400.00} deposited, {$1400.00} disputed because it was all spent.
Product: Debt collection

My spouse was awarded a vehicle and the debt obligation in a divorce. I forwarded my divorce decree with judicial signature and my order of protection with signature. For several months I was not contacted and then my parents started receiving the harassing calls stating they were " making multiple attempts to locate me since I was not taking care of my obligations "
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX  reported a late payment. After speaking with the representative it was concluded that a representative neglected to process a loan repayment application I completed XX/XX/XXXX. No notifications were sent to me that this application was not processed. This is the only late payment that I have and it is not my fault. I was told by the representative to dispute it through the credit bureaus which I did and it still was not corrected.
Product: Mortgage

We had a mortgage with Countrywide which then became Bank of America back in XXXX. I filed Bankruptcy in XXXX. Discharged XXXX. After the Bankruptcy we continued to make payments to Bank of America for our XXXX. During the next 7 years we applied fro Loan Modifications on XXXX different times. Bank of America would have us sign and make trial payments. Each time we never received Final Loan Documents. During this time I kept making the modified payments and would call Bank of America regularly to ask why They have not sent us Final loan documents. Was told by Bank of America they would expedite it, but still never received them. We just kept making payments. Bank of America just kept dragging it on to get any payments they could. Now XXXX XXXX, XXXX I find out the Loan was never re-affirmed and that it was part of the bankruptcy and it was discharged. So Bank of America drug this out for so long just to take our money even though it was BK. We paid over $ XXXX. I believe this is Fraud on Bank of America. Please help us get our money back. Property BK now. Backup documents attached are only for recent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a issue that I hope you guys can help me with. I have reached out to the credit bureau numerous times and at this point I feel like I am being totally ignored. It all started when I noticed some unauthorized inquiries and account on my credit report. I then sent letters to the credit bureau and got no response, I then reach out to them by phone. I explained what happened and the agent told me that they can not remove anything from my credit report with out a police report, So I went and got a police report and sent it to them and still nothing. I then did a FTC report and sent that and I see some of the Inquiries came off but the account and some inquiries stayed on. then one day I am watching the news and I see Equifax saying they have been reporting the wrong information so I immediately go and check my credit and I see my score drop and the inquiries that came off back on and plus double Inquiries as well. the inquiries and account is as follow : ACCOUNTS : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I usually and regularly carry a very high credit rating. I make sure I pay my bills on time, keep no balance on credit cards, and just take basic care to keep the rating high so I can get lower interest rates when applying for credit. Two things happened this month : 1 ) I paid a {$2500.00} deposit on my wedding hall  on my credit card and 2 ) The XXXX XXXX clerk in the store, inadvertently thought I wanted to apply for a credit card, when I only asked to check if my existing XXXXXXXX XXXX card was still active. Once I realized they were processing a new card, I asked them to stop. I do not want another card. But that inquiry had already gone through. I only knew this because I got a email from Experian stating that an inquiry was made. I logged onto my Experian account and saw they had DECREASED my credit rating by XXXX points for this activity.. This, despite the fact that I maintain a high XXXX XXXX XXXX credit rating on a regular basis. Now I have to put my new car shopping on hold until I pay off this month 's balance ( again, something I do every month ) so that I get a better rate when they look at my credit score. My complaint is why are these reporting agencies allowed to make substantial changes to our credit ratings for MICRO activity that does not take into account someone's overall financial history and status?? Average Americans who do the right thing on a regular basis are constantly being hammered by these reporting agencies and it affects us financially. I would like to know what, if anything the CFPB can do to rectify this very disturbing and frustrating situation? 

I think this a problem ANY conscientious CONSUMER has and wholeheartedly agree to having my complaint published, but please remove my personal information. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Request for Reinvestigation Regarding Unlawful Reinsertion of Deleted Information Dear EQUIFAX, I am writing to formally request a reinvestigation concerning a potential violation of the Fair Credit Reporting Act ( FCRA ) related to the reinsertion of previously deleted information in my credit report. Section 611 ( B ) of the FCRA outlines the specific procedures and requirements for the reinsertion of any deleted information, which appear to have been disregarded in this instance.

Background On XX/XX/XXXX AND XX/XX/XXXX the following information was removed from my credit report : Creditor 's Name : XXXX Account Number : XXXX Date of Deletion : XX/XX/XXXX Upon reviewing my updated credit report, I noticed that the previously deleted information has been reinserted without prior notification or proper justification.

Specific Violations According to Section 611 ( B ) of the FCRA, any reinsertion of deleted information must be accompanied by : 1. Written Notification : A written notification must be provided to the consumer within five business days of the reinsertion. 
2. Certification : The information provider must certify that the information is complete and accurate.

In my case, I did not receive any notification or corresponding certification, which constitutes a direct violation of the FCRA.

Request for Immediate Action I kindly request that you : 1. Immediate Removal : Immediately remove the reinserted information from my credit report.

2. Detailed Explanation : Provide a detailed explanation of how and why the information was reinserted without following the stipulated procedures.

3. Preventative Measures : Take necessary measures to prevent future improper reinsertions.

Additionally, please be advised that I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions if this situation is not adequately and promptly addressed.

Contact Information Please contact me at your earliest convenience to confirm receipt of this letter and provide an update on the steps being taken to resolve this matter. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Email : XXXX Thank you in advance for your prompt attention to this critical matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I dont recognize these addresses. I demand to have them removed from my credit report immediately. 

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

I have several items that are in quetion and are reported wrong that should be deleted. There is a letter attached to explain
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment recently added to my credit report by XXXX and Transunion. 

account disputed for late payment : XXXX Bank account # XXXX XXXX XXXX xxxx they previously was reporting a late payment on another account and I disputed the inaccurate information, what they then did was remove one inaccurate disputed item and replace it with another inaccurate late payment an my report. 

After reviewing my credit report, I discovered that a late payment has been reported in error. I have never been late on this account, and I demand that this inaccuracy be removed immediately. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 et seq. ), you are required to ensure that all information reported is 100 % accurate, verifiable, and complete. Specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) You are required to investigate any disputed information within 30 days and correct or delete any information that can not be verified.

15 U.S.C. 1681e ( b ) You are obligated to maintain reasonable procedures to ensure the accuracy of information reported.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) A data furnisher may not report inaccurate information if they have reason to believe it is incorrect.

15 U.S.C. 1681s-2 ( b ) The information furnisher must investigate and provide proof that the late payment is accurate, or it must be deleted.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX Late Payment {$0.00}
Product: Checking or savings account

XXXX Per customer service, and prior to my processing a mobile deposited check in past deposited by direct deposit to same account, CS confirmed 100 % funds will be available Monday, XX/XX/2022. 
XXXX customer service, 100 % funds will be available after processing " after midnight '' XX/XX/2022 even though I asked if XX/XX/2022 is banking holiday. CS stated, " no, it's a normal business day for Citi ''. 
1/18/2022-Per customer service, eventually escalated to " XXXX '' Acct Supervisor hold required removal " only by a branch '' while keeping me on telephone for over 1 hour while she attempted to " reach a branch '' until " no-one is available '' and someone would " call you back within 24 hours ''. XXXX gave me 2 telephone numbers and contact info per my request to XXXX XXXX XXXX and XXXX branch offices so I could attempt to continue to call for a hold release on my own. Left message XXXX for " XXXX '' to call me back. Found multiple various branch numbers ( 20+ ) online and attempted to reach a person, XXXX answered, XXXX XXXX XXXX left message for " XXXX XXXX who was to " call you back ''. No calls were received. 
XXXXAccount overdrawn, minimal funds available with check presented for payment. Attempted to call branches again, left message for XXXX XXXX XXXX who returned my call indicated he did not understand why I was informed a branch must remove this hold, as this is not correct. XXXX was to submit a compliant. Received a call from " Executive response '' XXXX XXXX XXXX XXXX voicemail to return call, returned call at XXXX, XXXX was to return my call. No call received. 
XXXXNSF fee and returned item transaction XXXX full deposit still not available. Received an alert message received, document in message box dated XX/XX/2022 stating check hold is not per teller, but is per letter. Why did I receive this XX/XX/2022? 
Called XXXX again XXXX spoke to XXXX, XXXX unavailable. message for XXXX will return my call. I've also received various email with various balance alerts. 
Citi is conducting unethical and improper practices by lying to it's customers in efforts to secure deposits, then hold funds XXXX, confuse customers, collect fees, and send back dated documents in an attempt to cover themselves for liability. My funds are still not 100 % available, I have a returned item, a fee of {$35.00} assessed, and no recourse or ability to remedy the problem. Assistance is manipulated to set up a customer so they have no ability to seek proper assistance or remedy. **NOTE document dated XX/XX/2022 was received XX/XX/2022 but dated sent XX/XX/2022.