23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Hello- I tried opening up a bank account with a credit union today. However, I was told that I was denied because of information that was submitted to XXXX and XXXX. The information that was disclosed to them about me was that I did several fraudently transactions to try and get money. However this is not a true statement or reflection of my character ... I have NO arrests and now they are making me feel like I 'm a criminal. As I recall, back in late XX/XX/XXXX I was diagnosed with XXXX. I was in and out of the hospital. I ca n't recall any transactions that they are stating that I did. I would NEVEr do anything fraudently. Today, I was told that this would stay on my report for 5 years. My health is better and I 'm working now ( I am a XXXX and have been for almost 20 years except I had to leave for medical purposes ). I want this deleted from my file. This is not a true reflection of me. I have to thank XXXX for keeping me alive. I want to dispute this and I want this to go away quickly so that I can open a bank account. They do n't understand how hard my life has been sick I have been ill for the past 2 1/2 years. They also told me that I owed {$50.00} for bank fees ... not any fees that I took from them. I am deeply requesting that all of this is being disputed and that it gets removed from XXXX and XXXX as soon as possible. My next pay date is XX/XX/XXXX and I am desperately asking that all of this information changes so that I can have a fresh start. I do n't recall these transactions but I have young kids and I have overcame many obstacles since my illness. I should n't have to be denied opening an account and then BOA is putting information that is not only embarrassing to me personally but if they could have saw how the bank manager looked at me when I tried opening that account. Under FCRA, I do n't deserve to be looked upon this way and I also believe that if an account was opened and this occurred, that BaoA would have reached out to me and we could have come to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I noticed that XXXX was show showing a repeated charge off that manipulated statute of limitations regarding XXXX/CNGO Acct # XXXX. I asked XXXX and XXXX/CNGO to investigate and delete as it was reporting inaccurately. Both entities claimed verified with XXXX fraudulently claiming they do not have the power to remove the account. I then asked for MOV that was ignored by both entities. Then I asked XXXX/CNGO to prove they were reporting correctly. They could not do so. In fact, all they sent me was an unsigned contract which is not proper verification/validation of a debt. 
However, both XXXX and XXXX/CNGO both claim this account is reporting accurate and refuse the delete this inaccurate and unverifiable account. Which is a violation of my consumer rights and an FCRA violation. 
Furthermore, it is blatantly illegal to report a charge off for 5 months in a row then report nothing for 12 months to then remark 'N ' two to three years later. This is clear manipulation of statute of limitations and the inability to properly validate/verify debt with a signed contract with my signature allows me to seek monetary compensation for violation of my consumer rights. I demand that the account be deleted in full or to be compensated to the amount of {$1000.00}. I have been asking that this be resolved for the past 6 months, Per the FCRA I am entitled to monetary compensation for violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I write this I am in tears since being victimized by IDENTITY THEFT in XX/XX/XXXX and the credit reporting agencies failing over and over and over to remove fraudulent attempts to apply for credit because EQUIFAX breached my identity and they now have my : DOB SSN Current Address All three of the credit reporting agencies were sent VIA FIRST CLASS MAIL a request for 7 yr fraud alert along with copies of the XXXX Police Report filed after my identity was stolen. To date, none of them have put this 7 year fraud alert, and when the 90 day alerts expire, that is when the flood of fraudulent applications appear again as hard inquiries, which continue to plummet by FICO score and I have had to spend hours and hours with the creditors to tell them I did NOT apply for credit, or I have to cancel credit cards that have been used online fraudulently. I have gotten to the point where I have chosen to cancel credit cards because the banks that represent them have failed to secure my identity, and continue to let applications through even though their are security freezes and fraud alerts on all 3 credit reporting agencies.

I had an average credit score of over 800 prior to EQUIFAX ruining my score which has plummeted 25 points and higher because they REFUSE to remove the hard inquiries.

I have screamed at EQUIFAX and they said that they are XXXX   inquiries, and you have to contact them,, over 120 days ago I did just that after being flooded with letters from creditors saying they turned down my credit because of too many inquiries and applications for credit that I DID NOT do.

prior to XXXX  being notified I was told I could put a security freeze, which I do have in place BUT they still have refused to remove the hard inquiries and now my FICO score has dropped 25-40 points since XX/XX/XXXX.

Now I am considering legal action by going to XXXX XXXX XXXX reporters to help me get them to do their jobs and when the Trump Administration 's XXXX, your new Director dropped the complaints and investigation with CFPB on Equifax data breach and I am livid about that.

I can't get any credit because after months the hard inquiries are still on my report. XXXX told me they would do an investigation and remove them! They've done nothing expect ruin my life since I have to field weekly calls, letters, and emails stating I am applying for credit and is this fraud?

that 8 hard inquiries were fraudulent and I provided a POLICE REPORT, I provided correspondence to make the 90 day fraud alert, permanent for 7 years
Product: Debt collection

I saw this company on my credit report Commonwealth financial they have two accounts with the same amount of debt in my report they are saying it's my debt but I was not at any hospital 2012 they keep doubling my credit reports never got any information from them regarding any debt owed
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Improper Credit Reporting and Verification Failures for XXXX XXXX XXXX I am filing this complaint against XXXX, Equifax, and XXXX for failing to ensure accurate reporting and proper verification of information regarding the XXXX XXXX XXXX account XXXX Account XXXX : XXXX ). 

Details of the Complaint : Since XX/XX/year>, I have consistently disputed the accuracy and legitimacy of the XXXX XXXX XXXX  account with XXXX, Equifax, and XXXX. Despite submitting multiple disputes outlining my concerns and requesting a thorough review, the credit bureaus continue to update the account status as verified without offering any explanation or tangible proof of how they arrived at this conclusion. I have asked for documentation, records, or any evidence that demonstrates the accounts validity and the investigation process they claim to have conducted. However, no such evidence has been provided, leaving me with no clarity on how the credit bureaus or the furnisher verified the information. To date, none of this information has been provided. The lack of evidence and proper investigation constitutes a failure to comply with federal law and causes ongoing harm to my credit profile. 

Violations of Federal Laws : Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Reasonable Investigation ( FCRA 611 ( a ) ( 1 ) ) : The credit bureaus are required to conduct a reasonable investigation when a consumer disputes the accuracy of an account. By merely marking the account as verified without performing a proper investigation, they are in violation of this provision. 

2. Failure to Provide Verification Details ( FCRA 609 ( a ) ( 1 ) ) : Under the FCRA, consumers have the right to request details on how disputed information was verified. Despite my repeated requests, the credit bureaus have not provided this information. 

3.Reporting Inaccurate Information ( FCRA 623 ( a ) ( 1 ) ) : XXXX  XXXX XXXX , as the furnisher of information, has a legal obligation to report only accurate and complete information. If they can not provide evidence of the accounts accuracy, they are in violation of this provision. 


4. Failure to Notify Consumer of Reinvestigation Results ( FCRA 611 ( a ) ( 6 ) ) : After a reinvestigation, the credit bureaus must notify the consumer of their findings and provide the results of the investigation. This has not been done in compliance with the law. 

The inaccurate and unverifiable reporting of this account has caused significant harm to my credit score, restricting my access to financial opportunities and resulting in undue stress. Additionally, the failure of the credit bureaus to conduct proper investigations undermines consumer trust and the integrity of the credit reporting system.
Product: Checking or savings account

On XXXX XXXX XXXX my account was hacked due to a scam, I do not provide any information to give them access to my account except my card number. My account were closed. Bank say I owe the XXXX I have money in the other accounts they closed which they are holding and said I cant use to pay. They will not work with me, have bullied, threatened and accused me, belittled me and made me feel worthless. When I call to make a payment towards what they said I owe the, the could not give me a way to send payments to them and make sure they would be applied to the correct account. They have threatened that I have have 60 days well now 45 days to pay this or they will put me on some list and no bank will do business with me this is a bank I have been with for 23 years, and supposedly is there to help military veterans and their families, and they have made my life. Living XXXX for the last XXXX weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME ALMOST IMPOSSIBLE FOR ME TO ACQUIRE NEW CREDIT AS A RESULT OF THIS.I 'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit reports, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Identify theft item ( s ) resulting from the identity theft that should be blocked and deleted. 


XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX XXXX  Acct : XXXX XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX Acct : 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 Please delete/block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at XXXX XXXX XXXX Sincerely , XXXX XXXX XXXX : XXXX DOB : XX/XX/1979
Product: Debt collection

Spoke with XXXX XXXX in legal on XX/XX/18. Asked about why the debt was previously turned over to an attorney and now back at the credit collection agency. On a recorded line, she stated that they hired an attorney to garnish wages and income. Advised that XXXX XXXX receives government money. After asking to repeat herself because I can't understand what she was saying, she hung up the phone. The reason why she would not repeat herself is because she threatened to cease property and garnish the money that we have. 

We have tried to dispute all the charges assessed by the apartment complex. 
We have previously asked for the receipts of the charges and services they are charging for. This debt is not belong to XXXX XXXX and it not owed. We want an accounting breakdown with supporting evidence of the receipts for the services paid for to justify these charges. Also, it is a catch22 to be charged because we didn't give notice before moving out when they did a " 3 day no option to cure ''. I would like a copy of the " 3 day notice '' we were given, as XXXX XXXX stated we don't need this and asked a lot of questions concerning this notice. I want to know why they don't have a copy of this on file. Also, the company is double charging for a water bill twice, in the amount of {$60.00}. Charges on both account numbers XXXX and XXXX are for the same water/electric bill. Please show me a copy of both water bill. Remove these from the credit reporting and delete the trade lines.
Product: Mortgage

My late husband is on loan, when I got behind even though there was notarized letter from husband sayng they should talk to me, they would not. Then they start refusing payment. After many many months of run around they finally offered me a loan modification. During second month of loan modification they decided to sell mortgage and DItech will not answer their phone. SO I can not make payment and now I am going to default on loan modification because DiTech will NOT answer their phone. Please help!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Payday loan, title loan, personal loan, or advance loan

Account # XXXX As of today XX/XX/23, I am revoking my authorization for automatic withdrawal authorization from XXXX XXXX Checking Account # XXXX at Bank Routing # XXXX. You will cease and desist from making a withdraws as of today, XX/XX/23 and any future dates. 
Your customer service representative may contact me at this email address : XXXX. You will cease and desist from making any attempts by phone call, or text message to my phone number on any documentation you have in your possession related to my account. 

I am willing to make an offer of {$330.00} to settle this loan on XX/XX/23 ( Account Paid in Full ). 

Thank you. 

XXXX XXXX XXXX XXXX Request was ignored and withdraw was made today XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my XXXX credit card switched from XXXX XXXX XXXXXXXX to XXXX XXXX I had a balance of {$2200.00} I had credit points towards my balance of {$280.00} this information I had got from their service representative by phone on XX/XX/XXXX. 
I paid {$1900.00} on XX/XX/XXXX. 
I never used the XXXX XXXX credit card I received billing for the {$280.00} that were my credit points plus interest plus penalties in XXXX I called them at that time and told him what the issue was they said it would be resolved. In XXXX got the same bill with more penalties and interest sent them a letter XXXX XXXX same story. I have filed complaints with their company on two different occasions on XXXX XX/XX/XXXX and most recently on XX/XX/XXXX. At this point I have sent three letters one of them a registered letter on XX/XX/XXXX ive made at least five phone calls been told repeatedly issue would be resolved and it has not. My credit score has been downgraded to the mid 650s when it had to of been well over XXXX. I need to get this issue resolved as my insurance quotes and rates have gone up due to my rent lowered credit score. I do not know how to put these copies of my letters and statements into a file to send with this complaint. I can supply copies of documentation if I have a mailing address or a email address my phone number is XXXX my mailing address is XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Per XXXX XXXX please update the payment for XX/XX/year>. The document has been attached for XXXX XXXX Transunion
Product: Credit card or prepaid card

I filed a legitimate dispute for two transactions for {$660.00} and {$640.00}. The Merchant after 2 months resolved the dispute and credited my credit card account the unauthorized charges. The dispute was resolved. And over with.

Citibank employees in their Security Department open up fraud claim for {$900.00}. They did this without my consent and without my knowledge. When I became aware of this and advised them to stop! Citibank sent the Police to my home based on false accusations that my credit card account is in collections and I made a threat! All blatant lies!

Citibank shutdown my credit card in numerous occasions without sending me a letter stating the reason why they closed down the credit card! Citibank employees impersonating me sent documents to all 3 credit bureaus stating falsely, my credit cards were obtained through identity theft and fraud! Another egregious lie told by Citibank. Citibank closed my account without any justification and falsified my accounts notes!

Citibank opened a fraud claim for transactions I never had any issue with! I never requested for Citibank to open a fraud claim but they did and then closed my account! All of Citibanks egregious actions towards me and harassment was intentionally done because I am a XXXX American woman and I have no rights in America. 

Citibank needs to be held accountable for their unlawful actions and harassment towards me! I am an able bodied Adult who can make my own decisions about my credit card. Citibank has caused me great financial hardship! By snatching and closing my account I am unable to pay for items that my home needs to function. They took away my credit card for no reason except they wanted to hurt me financially because of my Race! My account was in good standing and I paid my monthly bill on time and was never late! Citibank took {$4000.00} away from me and my family and it was all done because I am a XXXX woman. Citibank Reported derogatory information to the credit bureaus all to ruin my good credit status! They lied and stated my account has late payments! Thats a lie I never paid late on my credit card. Citibank harassment and abuse is ongoing and I want back my credit card and for Citibank to leave me alone!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my recent dispute regarding the inaccuracies in my consumer report, as outlined in my previous correspondence XX/XX/2024 against XXXX XXXX XXXX XXXX Despite my initial efforts to rectify the discrepancies, I am disappointed to find that the information remains on my consumer report updated with inaccurate information being furnished. As such, I am seeking further clarification regarding the verification process employed by Experian. As per the Fair Credit Reporting Act ( 15 USC 1681i ), I understand that consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information contained in consumers ' consumer reports. These reasonable procedures necessitate a thorough investigation into disputed items, including but not limited to : Contacting the original source of the disputed information to verify its accuracy. Providing consumers with prompt notice of the results of the investigation. Making necessary corrections or deletions to inaccurate or incomplete information. In light of these requirements, I am requesting detailed information regarding the specific steps taken by Experian during the verification process for the disputed items in my consumer report. Specifically, I seek clarification on : The methods utilized to verify the accuracy of the information in question. Documentation obtained from the original source to support the verified status. Any discrepancies identified during the investigation and the actions taken to address them. The timeframe for completing the verification process and notifying me of the results. Moreover, I would appreciate a thorough explanation of how the verified status was determined for each disputed item, as well as any applicable legal provisions or internal policies guiding this determination. I remain committed to resolving this matter in a fair and expedient manner, and I trust that Experian shares this commitment to upholding the accuracy and integrity of consumers consumer reports. Therefore, I kindly request your prompt attention to this matter and a comprehensive response. Thank you for your attention to this important issue. I look forward to your prompt response and the resolution of these discrepancies.
Product: Credit card or prepaid card

They have illegally marked me as past due, and haven't corrected it.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XXXX  Delete this account.

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed some incorrect addresses. I found your website and have enclosed proof of my current address as required. Please remove this Inaccurate Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ; Inaccurate Addresses : XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.