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

I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CITIZNSXXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA.

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation.

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA.

Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at XXXX or XXXX. 

Thank you for your immediate attention to this matter.
Product: Credit card or prepaid card

On XX/XX/2018, I went on chase.com website to find a credit card that suits my needs. I was interested in Chase sapphire card. They offered 2 options that day, sapphire reserved for XXXX bonus miles with {$450.00} annual fee and sapphire preferred with XXXX bonus miles after spending XXXX in the first 3 months with a {$95.00} annual. I didn't want to pay {$450.00} annual fee, so I chose the XXXX bonus card. I took a screenshot of the offer and took a screenshot of all the benefits of that card, so I'll have it on my phone for easy reference. I clicked apply now and got approved right away. 10 days later I got the card, {$95.00} annual fee was charged and everything looked good until I start reading posts on social media on how Chase was robbing people and either not giving them the promised bonus or charging them an annual fee when the fee was waived for the first year. I sent a secure message to Chase asking to confirm my offer and sure thing, I was given an offer, but not the one I applied for. They gave me XXXX with annual fee NOT waived for the first year. So they took away my extra XXXX bonus miles. I emailed them the screenshots, I escalated to the marketing department, but they said that the offers constantly changing and that I probably clicked on something else. Basically called me stupid in the nice way. I posted my concern on social media and so many people were in the same boat with me. Some applied for XXXX with annual fee waived for the first year, and they were charged the fee, some applied for the same XXXX offer and got XXXX like I did. And none of us can prove anything. Apparently the mistake happened in the last few weeks, but Chase doesn't want to admit that and correct it, unless they do it on purpose, luring people in. I was watching the offers for a few weeks before getting a new credit card. I wanted a better deal, so when that great offer became available I applied. I didn't want any other offers and Cause couldn't explain to me why they gave me what they gave me, they just said the offers are constantly changing and I get that. But I'm sure they change daily and not by the minute. If I click on XXXX offer, it should register in their system right away and lock me in instead of changing my offer. That's just wrong and unacceptable. This is my first time having business with them and probably my last time.
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, I disputed information within my consumer report. Experian refuses to remove the information although sufficient evidence has been provided to remove the disputed accounts.
Product: Bank account or service

Hi, Couple of Months ago I subscribed to an offer I received from Citibank XXXX XXXX ) : If I opened a CitiGold account and met all requirements, I would receive XXXX XXXX XXXX Bonus points. 
I called Citi and they confirmed I was eligible to this offer as I had a Citi XXXX Platinum Credit card ; this was also confirmed by XXXX of their Agent during an Online chat. 
Requirements were : Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/15. 
Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card which must be posted to the new checking account. 
And XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar. 
When I met all criteria, I contacted Citi via Online Chat, and was told that all conditions were met on my side, and points would be posted in couple of weeks. 
As I did not see any evolution after two months, I contacted them once again last Month, and they told me that finally I was not eligible. 
I am a bit suprised since I had several acknowledgment from Citi that I was eligilble for the offer and I would not have opened this account otherwise.
Product: Credit reporting or other personal consumer reports

Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I XXXX be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX as it shows on my credit report ) is not properly reporting my account to XXXX  the same as it is reporting the account to XXXX  and Experian. Recently reached out XX/XX/XXXX to both XXXX  & XXXX to understand why my account is shown as a negative closed account while XXXX  and Experian are shown as a positive paid account. Neither party wants to take ownership and/or attempt to correct the issue. 

Have been disputing negative items on my account using XXXX  beginning around XX/XX/XXXX & with clear instructions to have these negative items removed the credit bureaus ( XXXX, XXXX  & Experian ) have yet to remove these items and are not following the law based on the Fair Credit Reporting Act which states information on my credit report must be reported 100 % equally across all three bureaus. There are clear inaccuracies with these accounts such as different balances being reported & account numbers not matching, and they have yet to remove them. I am on my 5th set of dispute letters with them & either : A. ) the accounts arent being removed based on the FCRA and/or B. ) remarks are being removed then placed back on my account with little to no proof that the information is accurate. I am highly disappointed with how the credit bureaus have been handling these disputes & demand they abide by the FCRA to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection account with Experian and explained that the account belongs to someone else. The investigation took less than XXXX hours and the account was not removed. The was nothing from Experian explaining why the account remains and only place a comment " Disputed by the consumer ''
Product: Checking or savings account

On XX/XX/2023 I deposited {$1000.00} ( XXXX {$100.00} bills ) to my US bank account the atm said it couldnt do the deposit and spit {$210.00} back XXXX XXXX XXXX bills and {$16.00} in a {$10.00}, {$5.00} and XXXX XXXX $ bills. I immediately went inside the branch they let me know the ATM was from a 3rd party who had to come down from XXXX XXXX Texas to open it and get my money back. They did not shut down the ATM and several people used it after me. I did tell XXXX patron to be careful depositing because in essence it was keeping the deposits she was able to get {$20.00} out no problem. I have since only been credited {$560.00} and was told I didnt need to repeat myself XXXX explaining their numbers aren't adding up {$210.00} is still missing and was told thats all that was found in the atm. Im curious is there not cameras because if there is they should be able to see XXXX {$100.00} bills that were deposited. I now have to wait up to 45 days for this to be resolved I dont understand how Im being treated as if I did something wrong I deposited money in an atm like i have so many times before and if my money is ever returned its at least returned in the denomination of which it was received. I cant wait that long for my money it took a matter of seconds for the atm to steal that money and I have to wait over a month to get any type of credit that is unacceptable. I already waited 12 days for a partial credit where is the rest. I can not afford to lose out on any money im already struggling that money goes far for a single mom of XXXX. I need my account credited properly its not my fault their ATMS are faulty and I have NEVER. Experienced this before and noone can answer where did the XXXX $ come from when i did NOT deposit that denomination of XXXX $ bills. I am not a XXXX XXXX XXXX corporation I can not afford this in any capacity Im tired of being transferred to no-one who helps or seems to care to help. They are making it sound like i just have to be out the {$210.00}! Absolutely not this is theft and i am inclined to get anyone involved authorities included it cant be legal to keep money that does not belong to them. My rent is {$970.00} to {$1000.00} deposit was literally to pay our housing and I couldnt even get this resolved in a proper time frame my rent was due on the XXXX i was just trying to pay my rent w few days early not XXXX weeks late. I need this to be resolved properly and that definitely wasn't done correctly the first time around the credit should have been {$780.00} not {$560.00} the math isn't adding up and I need proper resolution not this semi credit I didnt semi put {$560.00} dollars in thats not enough to cover my rent even with the XXXX $ from the deposit that was actually deposited please help this company should not be able to do this to ANY consumer struggling or not this is theft!
Product: Credit reporting or other personal consumer reports

Its has 6 misspellings of my name first, middle and last ) and it has not been removed but updated also ( XXXX ) address that are misspelled are never stayed there has not been removed but updated I have disputed this activity and I also called to try to corrected theses mistakes I asked for them to please be removed off my credit report under 15 U.S.C. I68 non compliance
Product: Credit reporting

There is a credit inquiry from XXXX XXXX that was processed and affected my credit. The inquiry was for prescreening only and would not impact my score. I never authorized any inquiry that would impact my credit score.
Product: Debt collection

On this date, XXXX XXXX, 2016 company opened a collection. 
Account # XXXX {$700.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4.

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I found on my credit report there was a payment past due for more than 30 days for the amount of $ XXXX from CITI Bank, and phone number XXXX. Was told by CITI bank that XXXX XXXX been using the credit card under my name, his phone number XXXX and address on file XXXX XXXX XXXX # XXXX XXXX, XXXX. Please look into the payments he previously made. Occurred on XX/XX/2020
Product: Credit reporting or other personal consumer reports

I Recently disputed inaccurate accounts reporting on my credit report listed below on XX/XX/year>. 
I received a response stating that the accounts were verified on XX/XX/year>. 
I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear per FCRA 611 ( a ) ( 2 ) ( b ) your agency is required to forward all relevant information sent to the original creditor and all responses received to ensure a proper investigation of my dispute
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$35000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Discover reported a late payment in XX/XX/XXXX XX/XX/XXXX I have a letter from need discover stating they would update my credit report. As per phone conversation they would update to show never late. I have the letter and the recorded conversations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information on my credit report that was recently obtained by your agency without my consent. Pursuant to the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to your agency.

Additionally, I would like to bring to your attention that under the Electronic Fund Transfer Act ( 15 USCS 1666b ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history.

I request that you investigate this matter further and provide me with documentation proving that I gave consent for the credit report to be conducted. If you are unable to provide such documentation, I ask that you remove the erroneous information from my credit report immediately.

I am also requesting a copy of my credit report from your agency in order to review any other inaccuracies that may have been included without my authorization.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Accounts : XXXX XXXX XXXX
Product: Mortgage

I am under the impression that once all distributions have been made from an escrow account any overage is to be refunded within 30 days. For years now that has not been the case with the mortgage company I'm associated with. 

After years of this slipping past me I approached the company and was told they took any overage and applied it to whatever, I was given no indication of where any overage went However, after doing so I did receive XXXX overage check from them. 

Loan Care took over my mortgage I believe in XXXX or XXXX, I've been with them ever since. It appears everything started over in XXXX when I streamlined my mortgage. 

All distributions from my escrow were paid out as of XX/XX/XXXX. I've been told they will not issue any overage until XX/XX/XXXX after an escrow analysis has been performed.
Product: Money transfer, virtual currency, or money service

Hey there I am XXXX XXXX my PayPal hold for 180 day i don't use it's automatically going no longer more for 180 days i need my PayPal account back. I provide XXXX services my all customers happy with my services i don't receive any payment report and anymore but my account was closed for 180 days on XXXX XXXX My PayPal email XXXX ( XXXX ) please check now and restored my account
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this dispute because several fraudulent accounts and inaccurate information are being reported on my credit report. These accounts do not belong to me and are the result of identity theft. Despite repeated disputes with XXXX, XXXX, and TransUnion, no meaningful investigation has been conducted, and the accounts remain on my report. 

The accounts I am disputing include : XXXX. XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) This account reflects a balance of {$1300.00} as of XX/XX/XXXX and a history of late payments, but it is not mine. 
XXXX XXXX XXXX XXXX ( Account # XXXX ) This account shows a balance of {$830.00} as of XX/XX/XXXX. It was closed at the credit grantors request, but I have no connection to this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) Multiple accounts from Credit XXXX Bank XXXX being reported inaccurately. 
XXXX XXXX XXXX XXXX XXXX  ( Account # XXXX ) This account shows a charge-off of {$5100.00} as of XX/XX/XXXX. I did not open or authorize this account. 
XXXX. XXXX XXXX XXXX Collection Account ( Account # XXXX ) This account reports a balance of {$2200.00} as of XX/XX/XXXX, tied to XXXX XXXX XXXX. I have no knowledge of this account or its origin. 
XXXX. XXXX XXXX Collection Account ( Account # XXXX ) This account reflects a balance of {$1000.00} as of XX/XX/XXXX, which is fraudulent. 

I have disputed these accounts with all three credit bureaus multiple times, but their investigations were incomplete or nonexistent. Each time, the disputes were closed without a proper resolution, and the accounts remain, damaging my credit profile. 

Fair Resolution : 1. Immediate Removal : All the above accounts should be removed from my credit report across all credit bureaus.

2. Correction of Credit Score : The removal of these accounts should positively reflect on my credit score, restoring it to an accurate state.

3. Written Confirmation : I request written confirmation from each credit bureau once these accounts are removed.

4. Thorough Investigation : I urge the CFPB to oversee a proper investigation to ensure no other fraudulent accounts are associated with my identity. 

I have attached supporting documentation, including details of previous disputes and evidence of identity theft, to assist in resolving this matter. 

Thank you for your prompt attention to this issue. I trust that the CFPB will ensure a fair and thorough resolution. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I still can not link my PNC account with my XXXX account since I already call the PNC but the agent can not figure out what's going on.
Product: Credit reporting or other personal consumer reports

There is a following hard inquiry on my credit report which is unauthorized and I don't recognize it : - XXXX XXXX XX/XX/year>
Product: Debt collection

I am trying to pay my capital one collections account but they make it impossible. When I call I put in my social and it redirects me to a law firm I have never heard of. This law firm tried to get me to enter into a consent judgement form that would allow them to garnish my VA XXXX. 

I had no idea what this was and the lady on the phone said it was a pay for delete agreement. I had to XXXX it. Capital one themselves will not negotiate with me