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

I am writing to express my dissatisfaction and frustration regarding the multiple unsuccessful attempts to correct the late opening of my accounts and remove the charge off. My accounts are expected to be opened, but despite my persistent efforts to rectify the situation, it remains unresolved. 

Initial attempt to open the accounts are made, but I encountered an issue with the process. 

Contacted customer service and was informed that the issue would be resolved promptly. 
Followed up on the progress, only to find that the problem persisted. Customer service assured me that it was being addressed. 

Another attempt to open the account was made, yet the issue persisted. 

Numerous calls were made to customer service, each time receiving assurances that the matter was being escalated and would be resolved urgently. 

Despite these efforts, the late opening of my account has caused inconvenience and frustration. I have patiently cooperated with your representatives, but the lack of resolution is unacceptable. 

I understand that errors can occur, but the repeated assurances without tangible results are disappointing. As a customer, I expect a higher level of service and a timely resolution to such matters. 

I kindly request the following actions : Immediate investigation into the root cause of the issue. 
Transparent communication regarding the steps being taken to resolve the problem. 
Assurance that this issue will not affect my account 's functionality or standing once it is resolved. 
Compensation for the inconvenience caused during this period. 
I appreciate your prompt attention to this matter and expect a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels : XXXX XXXX XXXX Balance : {$1200.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$37000.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 
XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
XXXX XXXX XXXX : {$7900.00} - This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.
Product: Credit card

I tried several times to apply for credit card they denied my application just because they said I owe {$6400.00}. First they said it was {$6400.00} and now they said it is {$5000.00}. I have nothing to to with this matter.
Product: Debt collection

Disputed with the company on XX/XX/2018 and again on XX/XX/18 in regards to the inaccurate information reporting on my consumer report. It is now XX/XX/2018 and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my XXXX Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my XXXX credit report immediately. Please remove the following : XXXX XXXX XX/XX/2023. Thank you. XXXX XXXX
Product: Credit reporting

When credit bureau experian and XXXX are pulled by lenders XXXX is my credit score. I have more than 10 year 's of established credit. Also, for some time now XXXX states that credit files split into XXXX with that beingvsaid I have missing positive information on only my XXXX. I spoke to the office of consumer affairs and they advised me the credit splitting and not reporting years of established credit is an error with their database. Why should their error be at my expense?
Product: Vehicle loan or lease

Credit acceptance was paid in 2018 after an accident. Insurance paid total loss of car. This account was closed. The company is committing fraud by keeping account open and still accumulated charges after debt and amount was settled. They are providing false information stating account is open and they are still charging m9nthly charges when the car was sold to Insurance company. Credit acceptance agreed to amount check was issued. The company has been performing abusive acts by false reporting each month and past harassing collection calls
Product: Credit card

I am opted out from receiving promotional offers of credit, and my credit reports are under a freeze pursuant to North Carolina law. 
Despite those measures, Citibank improperly accessed my personal credit report and sent me a pre-approved offer of credit. 
I asked Citibank to assist me in removing their unauthorized inquiry from my credit report, but they refused to assist me. Citibank provided no assistance in resolving this matter. 
Citibank obtained my personal credit report without my permission. I have no account with Citibank. I do not owe Citibank any money.
Product: Debt collection

They have three collections on my credit report that are not my accounts as I have been a victim of Identity theft and have filed a report and have my ftc report. They refuse to remove these accounts
Product: Credit card

On XX/XX/XXXX16, I went online to initiate a monthly payment of {$41.00} to my Bank of America credit card. On XX/XX/XXXX16, BOA debited {$1400.00} out of my checking account and I received an alert that my account now had a negative balance. I contacted BOA customer service immediately and was told they would keep the intended {$41.00} payment, refund my checking account the difference of {$1300.00}, and that this would take 48 hours to get this completed. It has now been 9 days and the funds have not been transferred back to my bank account. The balance of {$1300.00} was placed back on my credit card XX/XX/XXXX16, but as of today, XX/XX/XXXX16, it has not been refunded to my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, which puts me and millions of other people at risk. I 'm listed as a potential victim per their website and will have to initiate a freeze to protect myself. I was not notified by Equifax in any way that my information was compromised. In fact, the process is to look it up yourself. This situation is an outrage.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing credit report XXXX  XXXX continues to furnish inaccurate data on credit report. 
Account satisfied in full. Requested company to further investigate negative remarks on credit reports. With information placed on credit files, this continues to deplete score and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced both of my automobile loans to receive a lower interest rate. Initially, all of the credit bureaus had both accounts for both cars listed on my credit report. They ( Transunion, XXXX, and XXXX ) dropped my credit score by almost ( 70 ) seventy points because of the transfer of the loans. It is inconceivable that the reduction was warranted and fair, as I have a caucasian friend who sold his house and his credit score didn't drop a point. The blatant disregard for Consumers is obvious or should be and warrants an investigation of the entities.
Product: Checking or savings account

The bank promised that they would waive the {$25.00} early account closure fee for the checking and savings account since I had trouble receiving and activating my debit card. When the account was closed, however, I received a notice that they did charge me {$25.00} on both my checking and savings account, going against their previous promise.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681 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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

If you look at all my accounts never late and this payment was made on time centeral standard time but XXXX XXXX company is est and it slipped my memory and I have been trying to reach a supervisor and can not get thru to talk with one to try and correct this issue. I have had one late payment over the last 7 to 8 years
Product: Credit reporting or other personal consumer reports

Accounts are not accurate. Acct : XXXX XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX acc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I don't owe those debts ; credit bureaus are not the original creditor. They need to verify those accounts with the original contract with my signature on it. They must remove those accounts from my report immediately. Also, all those inquiries from XXXX XX/XX/year> or XXXX XX/XX/year> must be removed from my report immediately. I did not give permission to those companies to check on my credit report.
Product: Credit card

We had fraudulent use of our American Express card on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It was a card that is and has been in our possession and has remained unused for years. We were not present in the state it was used in supposedly with card present. I reported it as soon as I noticed the auto pay out of my account to AmEx. This is obvious fraud, it was used for a cash advance at a place called XXXX XXXX. American Express has supposedly investigated but they send a copy of a receipt with a signature that is clearly not correct and again reiterate we are responsible for the charges. They will not even look at our proof that we werent in that state, or ask for a signature or acknowledge that this was extremely atypical use of the card that should have been flagged as suspicious immediately. In our user agreement American Express states the card holder is not responsible for fraudulent charges appropriately reported, yet they will not investigate this matter deeply enough to understand whatever card was present was not the one issued to us. We also are checking into whether we can file a police report on this matter to help document the situation.
Product: Credit reporting or other personal consumer reports

Purchased a vehicle and had made monthly payments on time for 3 years ( not one late payment ), and the company did not report it to any of the credit bureaus.
Product: Debt collection

Hello I have a debt from XXXX XXXX  from previous landlord. I have contacted them several times and disputed the debt with XXXX XXXX and XXXX XXXX. They are reporting that XXXX is owed and the judgement is XXXX. When I reached out to XXXX XXXX regarding this and mentioned it to the compliance department at XXXX they confirmed they never had the judgement but instead an inflated bill from the landlord. My husband and I tried for the last three years to get this removed and we are getting no help. XXXX XXXX  has been sued and should be put of business. Please stop them from preying on people. I can not get a mortgage because of this huge debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumers rights to privacy under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED # XXXX XXXX/DEPT OF ED # XXXX, Has violated my Rights ...... 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer report containing any of the following items of information any other adverse item of info other than records of convictions of crimes which antedates the report by More than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any info relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the info is inaccurate
Product: Payday loan, title loan, or personal loan

I did {$400.00} title loan in XX/XX/2014 with XXXX  XXXX XXXX XXXX , XXXX in XXXX Ohio, I have tried for the last 6 months to contact the company about the title since I never received my title back but I get nothing but a voicemail when I try to call the only number I can find for them.
Product: Checking or savings account

My Citibank checking account was involved in a series of ACH withdrawal fraud. I first realized this on XX/XX/XXXX. Since then I opened a new checking account on XX/XX/XXXX on the recommendation of the Citi fraud security team. I tried to close the account in the branch while opening a new one and the banker did not close them, she claimed she froze them. I then learnt a couple days later that it was not frozen. There were dozens of phone calls made to the security team to solve this problem. 

There were many credits issued for the fraud and I was promised that the account would be closed. It has been almost a month, with no resolution still. On XX/XX/XXXX I was called by Citibank because they wanted me to process the payment on my old account since some of the credit were debited back but by then I had no access to my old account as it was already frozen while waiting for the results of the investigation. I was promised that I would be called back on XX/XX/XXXX or XX/XX/XXXX once the payment went through with a resolution to close the checking account. I am tired of waiting and I do not have any more time to deal with this. 

The data breach has caused many accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXt ) to be opened in my name and Citi promised to reach out to them during the investigation and helped close those accounts on my behalf. However, I had to do it all myself and Citi did not seem to do what they promised to. This could be a data breach on Citi 's end that exposed my SSN and other credentials. I could conclude this because I connected all of my other checking accounts ( XXXX, XXXX XXXX, and XXXX ) to any other financial institutions alongside my Citi account but only my Citi account got frauded. Up until last month, I did not know that Checking account fraud existed at all. There are many other institutions that have accounts probably opened under my name ( inferred from ACH Withdrawal ), namely XXXX XXXX by XXXX XXXX, XXXX. I have not contacted them yet. I need Citi to contact them and close those accounts on my behalf as promised.
Product: Checking or savings account

I over drafted the account a certain amount and was assessed XXXX dollars in fees within XXXX business days although bringing the account current on several attempts. They then feed me additionally after transferring money without giving me any fees back that would have brought my account into the current. They do not honor their grace period and often fee me early or without warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never received a debit validation letter to prove its by debit or letter with my signature stating that I agreed to the contact needs to be removed off my XXXX and XXXX accounts immediately
Product: Debt collection

I have answered questions, given personal information, explained I am at risk for Covid-19 and dealing closely with XXXX XXXX   such as XXXX XXXX at this time and do not want to be called. They questioned me about debt which was at least 12 years old. I have filed bankruptcy in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Whom it  May Co ncern :   XXXX    XXXX .  XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX .   XXXX   XXXX   XXXX   XXXX , GA  XXXX    XXXX   XXXX   XXXX   XXXX .  XX/XX/XXXX   XXXX   XXXX , PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  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  Credit Union Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Product: Money transfer, virtual currency, or money service

Hello, My wife and I have been victims of identity theft. Our accounts were used by an unauthorized individual completing transactions without my ( and our ) knowledge or permission. 

I have discovered in excess of {$5100.00} in illegal charges to my Coinbase account. They were sent to wallets I do not know, or recognize. I do not know how the woman we believe did this, gained access. We worked with her, and had sent standard identification and wire transfer information when we began work as contractors. We discovered the thefts after receiving a press release detailing her indictment from the Department of Justice. 

She appears to have impersonated both my wife, and I. She used both our bank account, and my Coinbase account to send large amounts of XXXX to unknown addresses. Today I received a letter from Coinbase that stated I would not receive any recovery as all transactions are final. 

I did not give this woman permission, nor did I provide my passphrase, private key, recovery phrase, password, or login. I have been told it is possible there was remote software installed on my system, but I do not understand how this happened, and personally have no knowledge of how this would be possible. 

This woman impersonated me, and decimated all of our accounts, including my Coinbase. She deposited and immediately withdrew the funds in an apparent effort to avoid detection. She is now in custody. My wife has filed police and an IC3 complaint with the FBI. 

As Coinbase, and not I, was the agency in control of my account at the time, I filed a claim for Coinbase for crime related insurance recovery ; as a result of the unidentified security breach, at the suggestion of law enforcement. 

Today, Coinbase evasively glossed over this, and did not confirm such insurance was available or existed. To imply that any person could gain illegal access to accounts without protection is illogical, and frustrating. 

I have sent police reports, FBI and department of Justice reports, and ample evidence of serious identity theft that apparently allowed this woman to gain access. 

I am asking for relief, and help in what has been a catastrophic event in the life of my family. 

Thank you
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization.

**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**.

**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law.

You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.
Product: Debt collection

XXXX XXXX XXXX XXXX has violated my Federally Protected Rights under the FDCPA. I sent XXXXXXXX XXXX a letter to cease communication and they failed to comply with federal. I am aware I was never obligated nor responsible to pay a 3 party debt collector pursuant to 15 USC 1692a-3 I have received repeated phone calls with the means of coercing and swindling me into paying an alleged debt under 15 U.S.C 1692d ( 4 ). I have now put you on Notice to Cease Communication from me from all mediums as stated in attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

They reporting an account from XXXXXXXX XXXX XXXX which is against the law. They do not have permissible purpose nor do they a court order to be reporting anything to my report. I never done business with them nor do they have any sign applications from me. This is a form of identity theft on their behalf.