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

Account name XXXX XXXXXXXX {$1300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX Recent balance {$480.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$480.00} written off. {$480.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX XXXX  Recent balance {$1200.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 
Show more Account name XX/XX/XXXX Status Open. {$1500.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX XXXX XXXX Recent balance {$1000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX Recent balance {$1500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX 
Recent balance {$1300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX XXXX... 
Recent balance {$610.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$610.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX XXXX Recent balance {$730.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$730.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX XXXXXXXX XXXX... 
Recent balance {$3900.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$3900.00} written off. {$3900.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX XXXX Recent balance {$170.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX  XXXX. 
Recent balance {$580.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$580.00} written off. {$580.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX Recent balance {$2600.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$2600.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Closed. {$250.00} written off. 
back to top Accounts in good standing
Product: Checking or savings account

I have been having a lot of issues with CITI. First they sold me foreign currency at a premium then robbed me when it was a sold back as XXXX euro is not worth only XXXX USD but thats what they gave me back. Since I had a bad XXXX 2 days after I brought the euros and now since I cant travel I decided to deposit them. Then my coat was never delivered and I have been trying to get CITI to do this dispute since XX/XX/scrub>XXXX XXXX  and its almost been a year and they are refusing to help me. I provided proof from XXXX when they investigated they said the package was lost. XXXX could not provide my signature because I never signed for anything as it never was delivered. The store told them I needed a police report, but the police said no they don't. CITI is still not doing their job and helping me to get my {$2000.00} back from XXXX. Now they bounced back my bill payment for {$69.00} saying insufficient funds and it was not at all as I had almost {$2000.00} in that account that I use for automatic bill pay. I called CITI and the rep told me that my account is over drawn by {$800.00} and that is why my payment was returned, but it wasn't as I was online looking at my transactions. The info they provided was not factual or accurate as I have the proof as I was online that my account was no where overdrawn. They have been nothing but awful and their reps especially in the dispute department are of no help and don't want to help. They really need to be investigated. I have called numerous times and no one helps. I guess because I'm not a rich client they don't care. I feel discriminated against and wondering if I were a different race or different income class I wouldn't be treated like this.I just called them and they told me they closed the dispute and their is nothing they can do once the funds are given to the merchant. I doubt that is true.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX of your employees or agents calling on behalf of your company contacted me and claimed that I owe a debt to XXXX XXXXXXXX XXXX, XXXX under account number _________________. At this time, I would like for you to make a note that I am disputing this claim and that I do not believe I owe this balance. 

Your continuous calls and such conduct have caused me to suffeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please take note that any future unsolicited calls will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collection efforts in the attempt to collect said debt. 

I hereby demand that you cease and desist all future calls and update your records immediately. If action is not taken by you to cease and desist within XXXX days from receipt of this letter, I will have no choice but to take appropriate legal action against you, including but not limited to filing a report against your company under the Fair Debt Collection Practices Act. 

Sincerely, ____________________________________ XXXX XXXX
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Professional Debt Mediation Inc. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. I do not believe this account is valid and correct, the collection has failed to verify the debt within 30 days of requesting more information and I do not believe that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.
Product: Credit card or prepaid card

My card is frozen and I want the balance mailed to me by check and Bank of America is not helping resolve my issue telling me EDD ha not contacted them, but that is unlikely because I watch the news and I verified my identity already.
Product: Credit reporting

I understand by law I am allowed to get my free annual credit report from all three agencies, when I printed out the report they indicated that they would require payment of {$7.00} to give me access : " Did you know that your credit report does not include your credit score? '' What is the point of getting a report without the number? 

Please have them make them give you a score WITH the report. 

Thank you, XXXX XXXX
Product: Mortgage

I requested an escrow waiver. they denied it based on the fact that my balance was still more than 80 % or the purchase value.

HOWEVER, I HAD THE PROPERTY RE EVALUATED TO REMOVE PMI.

My balance is less than 80 % of the property assigned to my home.

Remove my escrow. You are the 3rd company and none of you calculate it right.

I will complain every day until it is done, I will just cut and paste. 3 seconds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see pages attached. I have also attached a copy of my drivers license and SSN for verification purposes. ) These multiple inquiries are well within the time that is typically allowed to check different lenders and find the best loan. These inquiries are all the same type of lender and therefore should only be reporting as ( 1 ) line item. All of the inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only as ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

This is the second complaint. The original complaint detailed how I lost my job due to COVID and had to move away from the health club. I sent both calls and emails to the health club informing them I moved away and I was seeking to cancel my contract with them. The earliest email I have was on XXXX XXXX, 2020. The debt collection agency claimed that I only cancelled in XX/XX/2020, but see the email attached.
Product: Checking or savings account

I had gone to the bank on XX/XX/XXXX to check my balance and they notified me I had very little money on my account, they looked into it and they gave access to someone who had called the customer service with all my personal information to online banking, they ordered a new debit card, they changed my address, phone # and increased the limit of withdrawals per day. The bank did not protect me at all, it has passed 2 months and they dont return my calls. The amount they took out of my checking account was {$15000.00} on the month of XX/XX/XXXX. I am an XXXX  person XXXX XXXX XXXX and i feel that the bank didnt protect my account or alerted me. I never use my debit card and they released it so easily. They keep on telling me that I must of given someone all my personal information and thats why they had accessed my bank. I dont give any personal information to anyone not even my kids or grandkids. The person in Fraud dept knows for sure this is fraud and someone tried to have access to the account because she spoke to them 10 before me getting to the bank to check on my case. I dont understand why are they not returning my money, its not my fault the customer service fail to to their job in protecting my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following accounts were opened under my name and social security number and have severely impacted my financial situation. They were opened without my consent or knowledge and is a case of identity theft. According to the fair credit reporting act section 109, I Demand these accounts be removed from my credit report IMMEDIATELY The fraudulent accounts are : XXXX XXXXXXXX Account number XXXX Total charges made {$1600.00} Account was opened on XXXX XXXX XXXX XXXX XXXX XXXX  Account number beginning XXXX XXXX Total charges are {$990.00} Account was opened on XX/XX/20XXXX XXXX
Product: Debt collection

I was turned over to collections by my hospital and the collection agency Harris an Harris contacted me for money. I paid {$1000.00} from my husbands Health savings account on XX/XX/18 and they can not find the payment. I faxed the statement to them showing the payment and contected them today and they still cannon find the payment. They said they are going to report the rest of my outstanding balance tyo the credit agencies since I still owe it and I told them that I can not make another payment until they find my {$1000.00}. She said it does not matter, I still owe the money.
Product: Checking or savings account

USAA has blocked my access to online banking because I refused to divulge personal and financial information that was unrelated to my banking activities. I made repeated attempts to address the issue with USAA banking and security representatives. They provided me with vague responses while citing the Patriot Act. The questions they asked via an online pop-up window were outside of the scope/purview of the banking Customer Identification Program ( CIP ) as defined by the FDIC and Treasury Department. For the record, I am a retired service member with over 36 years of combined military and federal government service. I have owned the accounts managed by USAA for over 35 years. I am not seeking a loan with USAA or any other bank. 
There is no need or justification for USAA to ask me what my net worth is, details concerning my income, or whether I am a current or former high-level foreign government official, or a relative or close associate of one? In my opinion, these intrusive questions are in violation of the 1978 Right to Financial Privacy Act ( RFPA ). Even after four separate consultations with USAA they continue to block my access to my accounts via their online banking functions/site.
Product: Credit reporting, credit repair services, or other personal consumer reports

There 4 hard inquiries on my report thats not mines XXXX ( Bank ) XX/XX/2021 XXXX ( Home Shopping ) XX/XX/2021 XXXXXXXX ( Bank ) XX/XX/2021 XXXX ( Home shopping ) XXXX XXXX
Product: Debt collection

Have been called numerous times while at work place over the course of XXXX  years, XX/XX/year> XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Thats are 17 hard inquiries on my credit report that I have disputed with all credit bureaus thats still are being seen on my report. I reported that these inquiries were made fraudulently.
Product: Mortgage

We recently closed on our Single close construction loan on XX/XX/XXXX. Our loan was brokered out to Click n close mortgage through XXXX XXXX XXXX. We were contacted the afternoon saying the dates were incorrect on the closing documents and would like use to have them re-signed and notarized ( must be notarized with the date of XX/XX/XXXX. At first I didn't think anything of it and agreed to resign. Then on XX/XX/XXXX via phone I was contact and told that not only was the dates incorrect but the money the was originally added into the loan to take care of any payments ( mortgage/interest ) was taken out of the loan back in mid May without out our knowledge and they were sure why but they would look into it and find out. 
Later that afternoon I was told Click n close mortgage took the funds out without our knowledge and they agreed that we should have been notified but no one did. Then I looked over the paper work we signed at closing XXXX the paper work they wanted us to resign. The paper work we signed at closing said our mortgage payments would start XX/XX/XXXX ( which made since since the build was to take about XXXX yr to complete ). The new paper work was for use to agree to start making mortgage payments on XX/XX/XXXX or we could sign a wavier to have them take the payments out of our 10 % contingency fund that would cover us for 8 months. If the build wasn't complete by then we would then have to start making the payments our selfs. Also since the contingency would be used for mortgage payments if we went over on the build with changes we want to make we would have to pay that out of pocket or they suggested we get an additional line of credit or have the build just put a lien on the house until we paid him back. 
None of these option seemed like a good finical decision and they said our only other option would be refinance. I believe they should honor our contract that we agree upon and signed at closing.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I REACHED OUT TO EQUIFAX ON XXXX A DETAILED STATEMENT UNDER PENALTY OF PERJURY FOR HOW IS IT THAT ERRORS CONTINUE TO PLAGUE MY CONSUMER REPORT? LOOKS LIKE EQUIFAX IS HIRING FOREIGNERS THAT CANT EVEN RAD AT THE 5TH GRADE LEVEL.. THIS IS A JOKE. XXXX XXXX ARE NOT EVEN VERIFYING ANYTHING ... ITS MADNESS OVER AT EQUIFAX .... 


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

Subject : Dispute of Unauthorized Accounts Request for Removal and Investigation Dear Dispute Department, I am writing to formally dispute multiple accounts listed on my Experian credit report that I did not open or authorize. These accounts appear to have been fraudulently opened in my name, and I request their immediate removal in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
After reviewing my credit report, I discovered the following accounts that were not initiated by me : A. XXXX. Account Name : XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Amount : {$2500.00} B. Account Name : XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$1600.00} XXXX Account Name : XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$900.00} XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Amount : {$1700.00} XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$93.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received a copy of my Equifax credit report. On XX/XX/2023, I sent my dispute letter to Equifax, regarding the issuance of my report to parties with no right to see it, and also Equifax reporting of XXXX and it's date of loss. In addition, I discussed my historical problem with Equifax of utilizing non-compliant FCRA data brokers to establish my file and the effect on ID theft. 

Equifax ignored my complaint and responded with a non-response ; they verified a closed account which I did not dispute and sent me a letter regarding same. 

On XX/XX/2023, I responded, to Equifax 's 'non-response ' to my letter of disputes dated XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraudulent activity, and this has hurt my credit which is making it hard for me to apply for any assistance,
Product: Student loan

ACT or Account Control Technology, keeps harassing me at my job. I have told them to stop calling me at work, but they call several times. If anyone answers the phone they ask them a XXXX questions about me. Then they badger whoever answers accusing them of being me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Credit Report XXXX XXXX Credit Report I have sent 6 letters outlining there failure to abide by the FCRA and demand deletion of these accounts immediately. I have show previously on my credit report that they are violating my rights. There are 2 different dates and information for a collection with XXXX XXXX on my report. So how can it come back as investigated and verified as factual. My documents prove that the credit bureau did not do a competent investigation of the information when the dispute was assigned. I have also asked for validation and verification previously and never been provided service. Even though I supplied documentation that proved this account is inaccurate they have failed to recognize this and supposedly " verified '' the accounts as accurate. This is a violation of the FCRA which require them to complete a reasonable investigation, which was obviously not done in this situation. I have included all previous disputes to show pattern. 

I have also attached Credit Reports from XX/XX/XXXX and XX/XX/XXXX and Results of investigation with experian which show that reports are still not consistent and showing incorrect information. 

to show XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Last Activity XXXX Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX -Hunter Warfield High Credit Balance incorrect Reporting Credit Balance on Report XXXX High Reporting Balance XXXX High Balance should be equal to or more than Balance. This is a violation of FCRA. 











I mailed letters on Dates XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX