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

Hello- I am currently a credit card account holder with Citibank and previously a savings account owner as well. I called on XX/XX/XXXX to open a high yield savings and was told that I was required to submit an account application subject to review and final decision within 7-10 business days. I was also notified that there will be a soft hit on my credit. 

I have been in banking for 11 years now and have never heard of a deposit product such as savings subject to credit review. I asked to speak to a supervisor to better understand why this was a requirement and he had no valid answer for me other than " that is our account opening process ''. 

Since when is credit pulling a requirement to open a savings account? I am happy to accept this as a process if this is market standard but if Citi is alone in this and is making their own rules, then this sounds like discrimination to me.
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 Account Number : XXXX Date of Charge-Off : XX/XX/year>XXXX  It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), 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: Credit reporting, credit repair services, or other personal consumer reports

I have an identity theft case going on they have made XXXX inquiries, applies for payday loans, car loans. Etc etc
Product: Debt collection

I signed a lease with XXXX XXXX in XX/XX/XXXX for one year. But, in XX/XX/XXXX my father-in-law said he would help us with a downpayment for a house and we were approved for a new construction house with a move-in date of XX/XX/XXXX. Per Delaware Law, if you are going to move into a house with full ownership, you can break your lease with a written request as long as you give 60 DAYS notice. So, on XX/XX/XXXX I informed XXXX XXXX in writing that we would be vacating the apartment on XX/XX/XXXX. 
Written notice to break the lease was given with 68 Days notice!!! But, XXXX XXXX keeps insisting that I owe the rest of lease and the security deposit covered by XXXX. 
XXXX XXXX sold the debt to HunterWarfield collection company to collect for {$2800.00} for rest of lease and also sold the XXXX debt to HunterWarfield as well for {$750.00}. They totally disregarded my email request to early term the lease on XX/XX/XXXX. I do have a copy of that written notice.
Product: Mortgage

I had initiated a VA refinance application with North American Finance. My loan officer was XXXX XXXX. An appraisal was done my home. The longer the process was taking, the more I was feeling uneasy about working with NAF. I finally withdrew my application. At that time, I was told to pay for the appraisal. A couple of weeks went by when I was finally able to pay the appraiser directly in the amount of {$450.00}. I notified NAF that I had paid the appraisal directly to XXXX XXXX. In the meantime, I initiated another VA refinance application with XXXX XXXX XXXX XXXX. XXXX XXXX was my loan officer. XXXX XXXX had contacted NAF several times to release the appraisal, but kept getting the runaround. Due to the inaction of NAF, my refinance has been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letters to Experian, XXXX and XXXX on XX/XX/2022. 



Its been well over 30 days and I still havent received anything back. 



According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX and XXXX have 30 days to respond to my dispute. 

This is a Violation of my Rights
Product: Credit reporting or other personal consumer reports

I contacted XXXX via US Postal mail and Fax. XXXX claims its been verified the XXXX  XXXX on my public record as Accurate and True. This is a LIE.

I have a letter directly from the NJ Federal Bankruptcy Court saying they report to NO ONE!! 
XXXX cant produce evidence that they have been working directly with the NJ Bankruptcy Court regarding my XXXX  XXXX inaccuracies. 
The public record must be removed per the law.
Product: Credit reporting or other personal consumer reports

Im extremely frustrated with how my credit scores are being affected by inaccuracies in my report. These errors are dragging down my scores and making it nearly impossible for me to get the credit I need. The constant stress and challenges this has created are taking a serious toll on my life. Despite my repeated efforts to get this sorted out, I havent received any effective response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this incorrect information removed from my credit report. A collections from LVNV/Resurgent Capital Services, XXXX XXXX XXXX XXXXXXXX SC, XXXX - ( XXXX ) XXXX is wrongly listed. That account is now serviced by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX, XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On Saturday, XXXX XXXX I received a call from my phone carrier stating they were sorry to see me go. I informed them that I was not going anywhere. They stated they would stop the transfer. That same afternoon I was not able to make calls or text or receive either. That same evening, I began getting emails that my XXXX XXXX card was being used for purchases I was not making. I then went onto my online banking and noticed a XXXX transaction was trying to be taking from my checking account. I then called the customer service rep., and they stated until the transaction was clear ( not in pending status ) I could not file a dispute. I filed a police report on Sunday XX/XX/XXXX as Monday was a holiday. That evening a factory reset was performed on my phone, and I lost everything I had. I was not able to get into any account I had because passwords were being changed. I contacted all three credit bureaus and froze my ss number. I waited until Tuesday ( Monday was a holiday ) and went to my bank branch Synovus on XXXX XXXX in XXXX XXXX, Al. We then froze that account and opened a new more secure account. The XXXX in question was still in pending status, so nothing could be done with a dispute. It did not clear my account until Thursday XX/XX/XXXX. I called customer service and filed a formal dispute, as my personal banker was out of the office that day. I then waited the XXXX days before I had our banker send customer service dispute department an update that a police report had been filed and that I was in the process of hiring an attorney to proceed with finding what had happened. Identity theft had accrued, and I was devastated. I then received a letter from Synovus saying the dispute was denied and I called, and they stated to take a copy of police report to the branch, and they can scan it in. I did this on XX/XX/XXXX. The branch Manager made the copy and sent it to my banker who was to forward it to the dispute department. On Monday I spoke with a customer rep. with the fraud department and she stated she could see where they were actively working on the dispute, and they had a copy of the police report. Only to have them tell me today that they still denied the dispute and do not have a copy of Police report. I just don't know where else to turn. I did not authorize this transaction in question, nor have I ever used the XXXX app. I've banked with the company for many years. Now I have second thoughts.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 

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

I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission, XXXX consistently respond within 24 hours stating the count is accurate, without providing any evidence or a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Futhermore, XXXX actions may also contravene the Comsumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX compliance with federal law and provide consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the accuracy of a repossession that appears on my credit report. It's from XXXX, but the repossession happened while I was incarcerated and had my identity stolen. The address listed on the repossession paperwork the company sent me has an address on it that I have never lived at. 
Furthermore the date has been re-aged. I have had no activity to this account since XXXX. 
Yet they are showing Date Last Active : XX/XX/XXXX XX/XX/XXXX on various reporting agencies. Neither date is correct. 
I also asked for a the following information and never received them : Original purchase price. 
Date and amount of all payments made. 
Date of repossession. 
Value of car at date of repossession.

Amount the Car was auctioned off at.

If this isn't removed from account due the fraud enacted with the re-aging of this accounts activity. I have proof that I was unable to to act on the account long before listed. If this matter and the requested paperwork is not provided, I will be retaining legal counsel, as I have already brought this matter to their attention, and are interested in this case.
Product: Debt collection

I am a XXXX XXXX with a child. I was forced to move based on threats by the XXXX XXXX who is under a XXXX XXXX. I notified the Company that manged the building that I was living in and assumed that they would understand and take the money from my deposit or an arranged work out.The unit was infested with bedbugs.
Product: Credit reporting or other personal consumer reports

Hello, I have had unauthorized and/or incorrect information added to my credit reports. Please remove the inaccurate information immediately. 

XXXX - XXXX XXXX XXXX XXXX XXXX Trans Union XXXX 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 XX/XX/year>, XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Consumer ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXXXXXX XXXX XXXX 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 I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX  consumer report. I have NEVER opened or used the following account numbers : XXXX  : XXXX XXXX XXXXXXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Prepaid card

I purchased a XXXX from XXXX on XX/XX/XXXX, and within an hour I saw a lower price advertised and so I canceled my order. The pre-authorization hold for {$1200.00} is still on hold under pre-authorization status I contacted XXXX XXXX and they said that they released the pre-authorization hold the same day and gave me the time of XXXX XXXX at the time That they released those funds since I canceled my order. I also obtained an authorization ID for the transaction and an authorization code to give to XXXX XXXXXXXX is saying that they will not release the funds without a form from XXXX XXXX directly with their letterhead at the top showing the authorization ID and the transaction code. XXXX I called XXXX XXXX back to get this form they said that theres no such form that they could send to a bank regarding this matter and that the authorization ID and authorization code should be enough for XXXX says since they are unable to verify that the funds have been released and are refusing to take the code from me over the phone and are only willing to obtain this information from a letterhead piece of paper with XXXX XXXX information on it that I have to wait 30 days additional for the transaction to be reversed even though their website says that after XXXX days they would release an pre authorization hold. I want my money. This has been going on for the third week now theres no clear answer from either side, but I feel like this is the banks problem because the bank is the one holding the money with all the information that XXXX XXXX has given me.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, ON MONDAY XXXX XXXX 2017 I SENT A DISPUTE TO EQUIFAX. 
ON XXXX XXXX 2017 EQUIFAX RECIEVED THE LETTERS VIA CERTIFIED MAIL. 
TODAY IS XXXX XXXX 2017 AND YET THEY HAVE NOT RESPONDED TO MY DISPUTE OR HAVE INVESTIGATED. I HAVE CALLED THEM PERSONALLY AND HAVE BEEN ON HOLD OVER 1 HOUR AND THE CUSTOMER SERVICE AGENT STILL HAS YET TO ''SPEAK TO ME ''. SHE ANSWERED AND PUT ME ON HOLD AGAIN FOR 45 MINUTES AFTER AND NEVER PICKED UP THE PHONE. I WAS PLACE ON HOLD FOR OVER 2 HOURS AND THEY NEVER CAME BACK ON THE LINE TO HELP ME RESOLVE THE MANNER. THEY ARE NOT HELPING ME. THEY HAVE VIOLATED THE FEDERAL LAW AND HAVE SHOWN ME BAD FAITH AND ABANDONED ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I genuinely appreciate the time and effort exerted by XXXX and XXXX Credit Bureaus to remove a portion of the disputed accounts from reporting on my Credit Report. But I believe that there are still fraudulent accounts and information being reported on my Credit report. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that the consumer identifies as a result of the identity theft. I am now submitting this CFPB complaint to request the Credit Bureaus to please conduct another Investigation and remove the remaining disputed fraudulent accounts that are still being reported on my Credit File. I need the remaining fraud account be removed completely from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX  XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX : {$170.00} XXXX  XXXX Balance : {$180.00} XXXX  XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX  ( Original Creditor : XXXX NC ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00}
Product: Credit card

According to 15 USC 1681i-2 A person shall not furnish any information relating to a consumer to ANY consumer reporting agency. Per 12 CFR 1016.1 This part governs the treatment of nonpublic personal information about consumer by the financial institution. Per 12 CFR 1022.3. Anything added to my report without my written consent is considered identity theft. XXXX XXXX at Synchrony closed my JC penny 's account on XX/XX/. Ha advise me in his letter that he's not responsible for this decision and I should contact XXXX ( who's a third party credit reporting agency ). My consumer rights and been violated along with violation of FTC.Per 15 US code 1681b reporting transaction his is illegal.
Product: Checking or savings account

Chase bank sent me a text saying my account was about to be closed due to being a liability to it due to making a claim of an insurance XXXX company that charged me for insurance I didnt need. The representative my account was to be closed automatically by the end of XXXX. However, that was not the case and my account is still open but debit cards has been disabled as well as bank account.
Product: Money transfer, virtual currency, or money service

At XX/XX/2019, I sent {$660.00} dollars, to XXXX using the company Intercambio Express, they  promised money will be available within minutes however my beneficiary so far has not received the money and the wire company said they sent the money but they can not give me a better answer after talking to them over the phone five times.
Product: Debt collection

I have a debt on my account from XXXX, I have no knowledge of this debt nor have I received any letters from creditors naming me as the owner of this debt. This debt is fraudulent. This debt in amount of {$270.00}, from XXXX, dated XX/XX/2020, to be collected by Focus Receivables Management is not valid. Obtain verification of the debt or obtain a copy of a judgment and mail myself a copy of such judgment or verification. I request of this office to provide myself with the name and address of the original creditor.
Product: Debt collection

I never opened a Pay Pal credit account. Despite that I am now receiving calls from XXXX, a collection company acting on behalf of PayPal Credit, demanding that I owe them over {$1000.00}. This is absurd. I have never received anything in the mail or by email regarding any such account, charges to any such account or anything else. I assumed this was a phone scam of some sort, but XXXX XXXX XXXX appears to be a legitimate company
Product: Debt collection

Back in XXXX my home was XXXX and checks were stolen. Fraudulent checks were written and are now reporting on my credit report. There are a total of XXXX checks reporting. The collection agency is Account Liquidation Services. I have provided them with forgery paperwork. All XXXX accounts are still reporting on my credit report and my credit score is being impacted by this. I am requesting that the accounts be removed from my credit report as soon as possible.
Product: Mortgage

Looking at paper work I have 4 account numbers that start in XXXX until XXXX.
Product: Credit card or prepaid card

Fraudulent account was opening in my name. Im trying to get help, I need this problem resolved immediately.
Product: Vehicle loan or lease

My XXXX XXXX XXXX was purchased with XXXX miles. All the service has been completed on the vehicle up to XXXX miles where the vehicle just stopped and no service engine lights appeared. The motor is completed done with no more life. Capital One will not assist with current outstanding loan left on the vehicle of {$7600.00}, nor will XXXX XXXX  XXXX or XXXX XXXX XXXX. They told me it was a XXXX  but with less than XXXX miles this vehicle should have plenty of life left. Now I am stuck with a loan and no car. I need help very seriously. This vehicle should be bought back by the original company that made the motor or I should have some assistance with the company buy a refurbished motor at their cost for only XXXX miles driven and regular maintenance. Please help, Im at a loss for words at how this can happen in today 's world of long running vehicles.
Product: Credit card or prepaid card

I disputed charges with USAA. USAA refused to honor my credit card agreement and protect its consumer 's rights. 

Cardholder - XXXX XXXX, XXXX. 

Credit card number included below. 

THIS IS NOT A DUPLICATE COMPLAINT. USAA REFUSED TO ADDRESS THE MERITS OF MY FIRST COMPLAINT BY FALSELY CLAIMING THAT IT COULD NOT LOCATE MY ACCOUNT.