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

I am writing to file a formal complaint against Citibank for arbitrarily blocking access to my bank account. This action has not only restricted my ability to manage my funds but has also prevented me from closing my account, which I sought to do based on this negative experience. 

Timeline of Events : XXXX of XXXX of 2024 : Noticed that access to my account was blocked without prior notification or explanation from Citibank. Attempted to log in multiple times throughout the day with the same result. 
XXXX of XXXX of 2024 : Contacted Citibank customer service to inquire about the reason for the account block. I was told that the issue would be reviewed, but no specific reason was provided during the call. 
XXXX of XXXX of 2024 : Followed up with customer service as I had not received any further communication regarding the status of my account or the reason for the blockage. The issue remained unresolved without a satisfactory explanation. 
Impact on Me : The arbitrary blockage of my account has caused significant inconvenience and distress, as I am unable to access my funds. The lack of transparency and adequate communication from Citibank has compounded my concerns, prompting my decision to close my account. However, the ongoing block prevents me from taking even this action. 

I am seeking immediate resolution to this matter, including full restoration of access to my account and a detailed explanation of why it was blocked. Additionally, I wish to proceed with the closure of my account following the resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

on the date of XX/XX/2020 there was an inquiry that appeared on my credit from the company Capital One that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail. 

on the date of XX/XX/2020 there was an inquiry made on my credit by XXXX XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail. 

On XX/XX/2020 there was an inquiry that appeared on my credit from the company XXXX XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft resulting from a data breach. 
Unauthorized accounts have been fraudulently created in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$7700.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2400.00}
Product: Credit reporting or other personal consumer reports

Consistency of incorrect information, I have asked on my different occasions to delete and update information. The information remains incorrect. XXXX XXXX, Equifax, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$120000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$120000.00} XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$120000.00}
Product: Checking or savings account

My card was charged {$38.00} by XXXX XXXX, XXXX XXXX branch fraudulently and 53 bank did not redeposit that amount like their representative told me during our conversation. Instead, an additional ( and magical ) {$1.00} appeared in my checking account the next day. So, I am assuming that its the bank that has done the fraud and not the store.
Product: Debt collection

I'm perplexed about the way this account is reporting on my credit report consider it's already paid off. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Debt collection

I paid in advance for a one year subscription to The XXXX magazine. The sent four additional publications after my subscription expired without my authorization and did not advise me of what they were doing and did not give me the opportunity to cancel their unauthorized additional publication mailings.

The Nation turned me in North Shore Agency ( NSA ) collection to collect the {$29.00} they claim I owe the and now NSA is threatening action.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 a Innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information All reports have to have 100 % accurate information how can they say that a proper investigation was conducted???
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : SYNCB/WALGREENS Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I separated for about one year when we were living in XXXX. I am not sure what year but somewhere XXXX. He moved to XXXX and bought a duplex. He lived on one side and rented the other out. When we got back together he rented both sides out. My husband filed for bankruptcy XXXX. I did not file. The apartment in XXXX was on XXXX XXXX. I dont know the address but it went under foreclosure. My husband just passed away in XXXX. Now that Im getting ready to buy a house, the finance company ran my credit report. To my surprise I was listed to have that foreclosure in my name. So I called you, and I was told to contact Fay Servicing. Which I did and the lady told me to contact you. I told her I already did. Next she told to use email to file a dispute. I did that XX/XX/XXXX. The email I got back said Id hear from them in XXXX hours. So on Tuesday XX/XX/XXXX, I called back. The woman said give till the XXXX because of the holiday they were behind. They just sent an email today on XX/XX/XXXX. The email was a joke! It asked me to send a copy of what I was trying to dispute ( which I already did ) and told me again that I should send you a letter about the dispute. I contacted XXXX XXXX NC of register of deeds and was able to make a copy of it. My name is not on it. Please help me take care of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my complaint to Equifax XX/XX/2021. Equifax signed for my complaint XX/XX/2021. By law, theyre given XXXX business days to block the fraudulent information resulting from identity theft. 

Today at XXXX I called Equifax and Ive spoke with a manager named XXXX at Equifax XXXX XXXX XXXX, located in XXXX, GA badge # XXXX. He informed me Equifax does not have to block fraudulent information unless they're provided XXXX pieces of information from the consumer. 
XXXX. Social Security card XXXX. Drivers license XXXX. Proof of address XXXX. XXXX Report XXXX. XXXX from the consumer The law states otherwise. XXXX XXXX XXXX state only numbers XXXX is needed. 
XXXX. Drivers license XXXX. Proof of address XXXX. XXXX Report XXXX. XXXX from the consumer I asked XXXX where I can find this information in which he told me, and he stated '' the information is internal here at Equifax ''. Being as so, me as a consumer would never have access to this information being that I'm not an internal party to Equifax. I can only go off the laws set in place to protect the consumer, which Equifax seems to contradict. 

Equifax has come up with their own rules in the procedure to block information resulting from identity theft and it is contradicting the law XXXX XXXX XXXX. 

On top of that It has now been over XXXX days, and I have not received any response form Equifax in regard to my disputes.
Product: Checking or savings account

In XX/XX/XXXX and again in XX/XX/XXXX, a banker then a teller at 2 US Bank branches informed me that if my balance went to XXXX  the account would be closed. I did in fact close out the account in this manner. I no longer monitored this account as I had already done so to insure no outstanding checks or debits were posted. Now in XX/XX/XXXX I receive a letter informing me that I owe 2 months service fees and another past due fee. I took this letter to one of the same branches and another banker told me there was nothing she could do about it. This letter also claims " You have been contacted recently '' regarding this matter. It does not say how I was supposedly contacted or dates or times. This letter also threatens to damage my credit with other financial institutions. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  on XX/XX/XXXX should NOT be on my report. I've been disputing this for the last few months. I WANT THIS REMOVED. I have not applied for a home loan nor do I own one. Also Experian is breaking a law. 

15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I pulled my credit report. Wanted to get ready for loan to buy new home. 
I saw that Equifax and XXXX  credit reports have XXXX  XXXX XXXX XXXX  entries in COLLECTIONS status. I did not go to XXXX  XXXX XXXX during the periods that these services were provided. 
XXXX XXXX went to XXXX  Hospital thinking that they put someone else medical fees against me by mistake. I have never been contacted by anyone about the XXXX. They looked me up and that I was self-pay with no insurance was listed and they had my home address incorrect in their database. This is when I found out that the XXXX  were from XXXX at home care. During this time period an XXXX hospital gave me a XXXX  XXXX that required at home health care by XXXX. XXXX, without my knowledge took my bloodwork to University XXXX XXXX without XXXX insurance information on the paperwork. I asked XXXX  Hospital for copies of the XXXX  forms XXXX  submitted and all of them had my correct home phone number. I was never called. XXXX knows my correct home address since they provide " at home care '' but they were not asked. Since Obamacare, everyone has insurance but they had me down as " no insurance ''. I mailed a letter to the address they had listed for me to see what response the USPS would give them. A week later, I received the letter back from the USPS stating that it was the wrong address. So XXXX  Hospital would have been told for each incorrectly addressed bill that it was the wrong address. Instead of doing any basic or minimal due diligence to contact me ( call my phone number, get with XXXX for my correct address, or XXXX  my address ), XXXX  Hospital used the credit report system to harm my credit. I had to contact XXXX  Hospital two more time to push them to file their claims with XXXX. They were paid within a week of their actually filing claims with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm reported 2 late payments over 60 days in XXXX to XXXX. The company spoke to one of the account holders and due to financial hardship, agreed to allow these payments and assured that they would not be considered late or affect credit. 

I have an excellent payment history aside from this and would never have allowed these delinquent payments. The company refuses to respond to several emails I have sent to request evidence that the payments were due ( I received no statements or text messages that payments were due or late, which is how they would have alerted me to it ). 

XXXX has declined multiple disputes and I am hoping to have these removed as the company provided inaccurate information and now refuses to respond.
Product: Mortgage

XXXX As a young XXXX female, purchased my first home I felt discriminated against and I believe I was overly scrutinize because I am a minority The level detail and question that I am experiences were beyond the norm. For example without knowing my responsibility or merit question why a company would paid my current salary automatically assume that I was not worthy. I believe if I was white male that wouldnt have been question. Also asking me pacific question about the company owner ship even thought I let them know I am only a employee there. When I suggested them to call company owner they refused to.
Product: Debt collection

I received an email from Mobiloans in XX/XX/2024 insinuating that if I dont bring my account current they are going ruin my credit by reporting me to the credit bureau .
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate accounts reporting. 


Also they responded wit a little. I sent them a letter wit a copy of the paper that was sent to me in which gon na attach it here as well
Product: Debt collection

To Portfolio Recovery Associates Whom it may concern : This is about the letter sent via mail dated XX/XX/2023 requesting your company for validation of the below-mentioned account number XXXX XXXX In response to the letter, your company sent a pile of statements received from the creditor as proof that I was credited for the alleged transaction.

Further, the creditor reported this on my consumer report as Charged off. It means that the creditor will no longer attempt to collect this alleged debt owed by them.

Therefore, pursuant to my rights I approached the creditor and asked the following questions 1. Have they sold this alleged debt?

2. To who is this debt sold?

3. Are they still in the process of collecting this debt?

I am enclosing herewith the response received from the creditor. Also, I am mentioning below the answers to the above questions for your reference and record.

1. Yes, they have sold the debt.

2. Its sold to your company name portfolio recovery 3. Since they have charged it off, they are no longer in the process of collecting this debt.

Through the response received from the creditor, I would like to inform you that your company has violated 15 USC 1692j ( a ) because your company furnished a deceptive form to create a false belief in me as a consumer that the Creditor was attempting to collect the debt when in reality, it was not true.

Pursuant to 15 USC 1692j ( b ), any person who violates the above-mentioned section shall be liable to the extent as mentioned under 15 USC 1692k i.e. {$1000.00} ( XXXX XXXX USD ) I am attaching herewith the invoice and if you fail to pay the same, I will escalate this matter to Federal court. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 

These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the lack of verification. This ongoing negligence has caused significant harm to my financial standing, creditworthiness, and overall peace of mind. I am left with no choice but to escalate this matter further to seek resolution and accountability for their actions. I am requesting immediate action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

on XX/XX/2023 someone tried to get my credit score and apply for a comenity ultamate rewards master card
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask the credit bureaus to do a verification of everything thats on my report, they did and they said that everything is accurate. I did a thorough research myself even after they did the thorough research and I found improper, inaccuracies on the credit report even after they did the thorough research. 


XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have to privacy 15 U.S.C 1681 section 604 A section 2 : It will also States a consumer reporting agency can not furnish an account without my written instruction.
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I had late payments on my past mortgage with Bank of America NA in XXXX two of them. I sold the home on XX/XX/XXXX. I asked XXXX to remove the late payment as it was affecting my credit rating/score and they said they could not. They advised me to have Bank of America remove it from my account. Bank of America advised me that they are only reporting what happened during the course of the loan by law and that they can not remove those late payments from the account which I understand. I went back to XXXX and they said that Bank of America can write me a good fate response in regards to those late payments. Bank of America said they do not write good fate statements for this type of request and that all the credit bureaus know this. I went back to XXXX and they advised me to contact you guys ( CFPB ). I have been at this since the last week of XX/XX/XXXX trying to have XXXX remove this late payment from their record since the loan was paid off in full. They told me that this late payment is set to be removed in XXXX. My argument is since the loan was paid off in full, no foreclosure or bankruptcy why keep the late payments on my report for 6 years.
Product: Credit reporting or other personal consumer reports

TransUnion has repeatedly refused to run disputes on multiple accounts that are not mine. They have incorrectly processed disputes, handled the wrong disputes, and ignored requests to run disputes for the past 12 months. Attached is a letter they sent requesting verification of my address. This verification wouldn't be necessary if they weren't disregarding the information I have sent them on multiple occasions. Also attached is the address letter that has been sent to them via certified mail 19 times. Each time, they have ignored and disregarded this letter and requested the same email verification. 
TransUnion is responsible for mixed files and furnishing and reporting inaccurate information intentionally. They have been informed multiple times over the phone and through the mail about the inaccurate accounts ( XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX ). They have failed to investigate these accounts as other credit bureaus have, and have now completely ruined my credit score, making it unable to be pulled accurately. When applying for credit union accounts, they are unable to pull a correct score due to TransUnion reporting so much fraudulent information compared to other accounts. 
When asked to run previous disputes, TransUnion never processed them correctly within 30 days and reopened another 30-day dispute period, hoping it would go unnoticed, which is also a FCRA violation. TransUnion should not be given the chance to dispute information, and it should be removed immediately as they have shown they are not legally running disputes.