23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX, I contacted each of the 3 agencies and requested that my credit score be changed to zero ( 0 ). I have not had any open accounts or credit balances in over 3 years and I have frozen my credit inquiries with all 3 bureaus.. 

I do not used credit any more and would like my score to reflect that. After 3 years, I believe it has been a sufficient amount of time to adjust this number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I received a credit alert regarding 4 collection accounts reported on my equifax report - these had been placed fraudulently on my credit files when the XXXX breach occurred 2 years ago. I was able to remove them after about 3 months of fighting and using resources I found here to use the proper wording to get them to actually verify the validity now 2 years later another company named XXXX XXXX reported the exact same fake medical collection accounts - equifax would not let me dispute or access any records online. I had to do it over the phone and they told me on XX/XX/19 they would never be able to restore my online access. So they sent me an email on XX/XX/19 stating the disputes were processing and should expect an update around XX/XX/19, instead I received an email to log into my account, my dispute results were completed- of course I cant access them online, so I called and they said they verified the fraudulent, illegally re-aged, medical collection accounts with XXXX on XX/XX/19. Impressive they were able to verify info that could not be verified as it is and was never mine. They said if I purchase their online monthly monitoring service for XXXX $ per month I would be able to access the info online and use their tools to dispute the dispute results and have access to their credit repair specialist.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a new company called XXXX XXXX that has been posted on my credit with falsified information. My identity was stolen and I have Been battling identity theft for years. XXXXXXXX XXXX   Is a false collection with false information that is NOT mine and needs to be removed from my credit. XXXX XXXX XXXX balance is {$140.00} and was posted XX/XX/XXXX 16
Product: Checking or savings account

Hello, I opened a new bank account checking and saving with CITIBANK. The process was smooth. I decided to use this new account and have my funds transferred to my new account. The amount transferred into the checking account was {$570.00}. The transaction started XX/XX/2022 and the funds were available XX/XX/2022. When I sent money through XXXX that same week the amount of {$280.00} it allowed the transaction, but then CITIBANK decided to freeze my account and cut off my access to my online banking. I spent hours on the phone with every customer service specialist and even the supervisor who had a very hard name to pronounce. They told me to complete verification steps such as the last four of my social, account number, and etc. I completed the verification steps then was told since my phone number isn't registered under my name and can't be looked up via XXXX I can't verify my identity. After being told this I asked if I go to the main branch with my state ID and information will my funds be given to me. The supervisor told me yes. I drove almost 2 hours from PA to NJ to the main branch where the employee told me that my account was now froze and will be closing. The account was under investigation and that a reference number will be sent to me by mail to gain access again. The letter with the reference number comes in the mail and I call CITIBANK again and was denied access to my account again and was told any funds left in the account will be mailed by check 30-90 business days. It has been 5 months and still haven't received my funds. Every time I call the employees tell me that my account is in the middle of closing and they can no longer serve me. Till this day I still receive emails from about this account and promotions. Recently I received a email on XX/XX/XXXX that I received incorrect account information in a recent survey and that my account is still open .... but yet they aren't allowing me to have access. This has been the worse experience. The supervisor even laughed at me when I said how can't I have access to my account that you locked me out of due to your own suspension.
Product: Debt collection

For 6 months both XXXX XXXX XXXX and BBVA USA, have failed to verify reported debt to XXXX, in a breach to multiple articles from the FCRA, and the FDCPA. 

XXXX who claimed the ownership from the reported account, and reported the account separately, took off such account from the XXXX  Credit Report, but refused several times to do the same with the duplicate account. 

XXXX accuses BBVA in several communications to the CFPB and the XXXX, of being the controllers for the alleged account, even when clearly the report shows the claimed ownership by XXXX. 

This never verified debt, and this fraudulent tactics by XXXX have been damaging my cost of funding and my credit worthiness. 

By this conduct I demand BBVA and XXXX to remove that account from my XXXX  Credit Report, which should have been done 5 months ago, as per FCRA and FDCPA. 

In addition I request CFPB to issue the proper sanctions to both, and to order economic compensation to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a LEGAL Notarized affidavit to XXXX, XXXX , & TransUnion disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For XXXX, XXXX , & TransUnion to Provide physical verification of the original signed consumer contract.
I demanded from XXXX, XXXX , & TransUnion to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. 

UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. 

Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, OR XXXX  is apparently reporting a fraud alert, security freeze or another form of " block '' on my credit file. This is causing me substantial problems in obtaining credit therefore please remove from my files.
Product: Checking or savings account

I ATTEMPTED TO WITHDRAW MONEY FROM MY CITIBANK CHECKING ACCOUNT ( XXXX, NY ) ON XX/XX/22 AND WAS NOT ABLE TO DO SO. I CALLED COSTUMER SERVICE AND WAS TOLD BY THE FRAUD DEPARTMENT ( XXXX ) THAT THEY DECREASED MY DAILY LIMIT FOR WITHDRAWALS TO {$200.00} A DAY BECAUSE MY DEBIT CARD HAD BEEN " COMPROMISED '' AND THEY WERE GOING TO BLOCK MY CARD AND ISSUE ME A NEW ONE. I WAS TOLD THAT THEY NOTICED THE " COMPROMISE '' ON XX/XX/22 ; THEREFORE, I WAS UPSET THAT IT WAS NOW XX/XX/22 AND THEY FAILED TO NOTIFY ME OF THE " COMPROMISE '' OR THAT THEY DECREASED MY WITHDRAWAL LIMIT. I STATED THAT I RECEIVE IMMEDIATE TEXTS AND EMAILS EVERY TIME A PURCHASE IS MADE FROM MY ACCOUNT ; THEREFORE, I WOULD KNOW FIRSTHAND IF ANY FRAUDULENT ACTIVITY/PURCHASES WERE OCCURRING. I TOLD THE REPRESENTATIVE THAT I WANT MY DAILY LIMIT TO BE PUT BACK TO WHAT IT PREVIOUSLY WAS AND THAT I DID NOT WANT A NEW DEBIT CARD BECAUSE ALL OF THE PURCHASES AND WITHDRAWALS FROM MY ACCOUNT WERE ACCURATE AND MADE BY MYSELF. AS OF TODAY, CITIBANK HAS NOT GIVEN ME OFFICIAL NOTICE THAT MY DEBIT CARD WAS COMPROMISED AND HOW IT WAS COMPROMISED OR THAT THEY DECREASED MY WITHDRAWAL LIMT WHICH I FEEL I SHOULD BE ENTITLED TO. THIS IS THE SECOND TIME CITIBANK HAS SAID MY DEBIT CARD WAS " COMPROMISED '' AND I HAD TO GET A NEW DEBIT CARD EVEN THOUGH NO FRAUDULENT PURCHASES OR WITHDRAWALS WERE MADE THEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XX/XX/2021
Product: Credit card or prepaid card

XXXX : The banker suggested opening a business triple cash credit card for {$500.00} after spending {$4500.00} within the first 150 days and I opened US bank XXXX XXXX XXXX Credit Card with promotion of {$500.00}. The banker went over every detail regarding this credit card and promotion. 

XXXX : I finished my spending more than {$4500.00} in XXXX months. 

XXXX : I visited branch where I opened account to ask my bonus and I was told by another banker that everything looks good and I need to wait. 

XXXX : I still haven't received my bonus and I called customer service and I was told that I need to visit the branch and I visited the branch again and the banker who opened my account was not there any more. 


XXXX : I still haven't received my {$500.00} bonus yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX  XXXX  XXXX {$17000.00} XXXX  XXXX  XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$5000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted a dispute about incorrect information on my Equifax Credit Report ( Case # XXXX XXXX. In fact, this was the third time I submitted a dispute, after the first two filed disputes for the same item resulted in their removal. On XX/XX/2019, I received notice from Equifax that the disputed item has been investigated, shown not to be owed and removed from my credit report ( Confirmation # XXXX ). 

Now I have recently received notice that the disputed item, has been placed back on my credit report, for a fourth time. I called Equifax and spoke to XXXX # XXXX, who stated that I would now have to file another dispute to get it removed from my Credit Report for the fourth time. 
Even more concerning ( besides her not my problem attitude ) is that she states that each time a collection company reports the same disputed item, regardless of the fact that they know it is fraudulent, that I would have to file another dispute. Considering there are hundreds of collection agencies, it could result in hundreds of disputes being filed for the same fraudulent item. 
I am requesting that the item be removed for the fourth time and that the Consumer Affairs Division investigate Equifax for what appears to be an on going practice to extort money from people, who don't owe the money. This is exactly what the Consumer Affairs Bureau was designed to guard against. Please take action.
Product: Debt collection

I am a senior citizen with excellent credit, and have a Wells Fargo ( WF ) mortgage on a home I do not reside on. My late son and his family resided there. The mortgage was under my name but they were supposed to pay it. They never did and I only found out about it after his death last spring when I received a letter from a law office about a foreclosure. They did not make a payment in 8 years, and I was never notified. WF has my personal residential address but failed to notify me. I worked with WF, my broker and lawyer to do a short sale ( SS ). The lender approved the SS, but at that time, the price the lender wanted it listed at was too high and we had no offers for months. Attempts were made to lower the price, with broker and my lawyer reaching out to WF on several occasions. WF either ignored emails or failed to respond timely. I have XXXX pages of email correspondence, many asking the lender to please respond. Broker finally emailed WF saying we are dropping the price to said price, if you do not agree let me know ASAP. No response. Broker dropped price, held an open house and received a great offer, cash buyer. In the meanwhile WF rescindeded the short sale approval saying we did not have a buyer yet. This was said even thought WF ignored the brokers opinion based on XXXX 's that price was too high. Up until last week they had me submit more paperwork, in order to approve the short sale, and I submitted it in advance of their deadline, but yesterday they said they do not approve an extension of the foreclosure date of XXXX/XXXX/17 in order to have time to approve short sale and go through with the closing scheduled for XXXX/XXXX/2017. I want WF to push back the foreclosure so that the sale can go through.
Product: Credit reporting or other personal consumer reports

I am disputing the late payment notation on my account, which I believe to be incorrect. I kindly request the removal of this late payment and an update to my account status to paid on time. According to 15 U.S.C. 1637 ( a ) and 15 U.S.C. 1681c-2, I am entitled to accurate reporting of my credit history. This inaccurate notation negatively impacts my credit score and overall financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following the receipt of my credit report late last year from the Equifax, XXXX and XXXX  consumer reporting agencies, I learned of an two separate adverse accounts from XXXX XXXX XXXX  and the U.S. Department of Education. Said accounts reported to all three credit reporting agencies under account numbers XXXX and XXXX - exact same account, reporting as two separate creditors. 


I never had two separate student loans. Disputes with the credit reporting agencies were for naught as both XXXX XXXX XXXX and the U.S. Department of Education merely confirmed the accounts. I complained to the creditors about the duplicate  reporting - in writing - and even completed disputes with the credit reporting agencies. They were also ignored with no explanation whatsoever. 


Once again - I never maintained two separate student loan accounts. This companies ignored my concerns despite evidence to the contrary and complaints to the Equifax, XXXX and XXXX  consumer credit reporting agencies. My FICO credit scores have been severely impacted as these separate accounts report as collection entries. 

I now file my complaint to the CFPB seeking relief.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Vehicle loan or lease

XX/XX/2020 - My online credit report ( s ) have been reported as delinquent with the various credit bureaus. I spoke over the phone with a BMO harris rep who says I have $ 260+ in delinquent fees, of which I was not aware of. 

XX/XX/2020 - Called BMO harris and verified that I only had {$1.00} left as principal via the person I spoke to.
Product: Debt collection

I was told by General Revenue that I committing a crime by not paying this debt, this debt is from coming out early from XXXX University. This collection company said that I could be wage garnished/Bank levy/ or much worse. This company was not professional at all. I do not feel that it is right for a collection company to accuse and slam the consumer with how they are committing a crime. Everyone will one day go through hard times, but this company was rude and barely would let me talk to explain why the debt was in their office. I eventually paid it but I never heard nor got any documentation from them stating it was paid/closed. I requested it also but nothing at all.
Product: Checking or savings account

I opened a checking account with HSBC bank in their XXXX, CA branch in 2018, with a promise of {$350.00} bonus if I deposit {$10000.00} for 6 months. 

However, I never received the balance despite depositing over {$10000.00}. 

I have raised the issue multiple times with HSBC, and they always claimed that they needed to launch an investigation and keep me informed of the outcome. However, I have never heard from them about any outcome.
Product: Money transfer, virtual currency, or money service

I initiated a transfer from my XXXX balance to my bank account in the amount of {$750.00} on XX/XX/XXXX. On XX/XX/XXXX I started a dispute through XXXX since my transfer never showed up in my account. On XX/XX/XXXX XXXX sent me a trace number for the transaction saying they sent it to my bank on XX/XX/XXXX and to contact my banks XXXX department. I did so and they have no record of this number and to get payment support or other records from XXXX. For the last XXXX days Ive been asking for any kind of payment support and they keep regurgitating the same trace number thats useless. Their phone support is useless as Ive called and talked to dozens of people and they go back and forth saying the dispute department cant do anything but email. So if Im lucky I get a response every 48 hours that isnt helpful.
Product: Checking or savings account

In 2017 I started my account with Chime bank. I had multiple issues regarding deposits, transfers & I didnt have any way to talk to a live agent. This caused me to lose my direct deposit.
Product: Credit card or prepaid card

I have spent a total of an hour and a half trying to close my account over the last two weeks and every single time there's an issue. What's supposed to be an easy task that should only take 5 minutes turns into a 12 to 22 minute fiasco. This time after 21 minutes of being transferred and being put on hold, they hung up on me. Only Capital One ... They keep telling me the system is reading that my account can't be closed due to open disputes, yet there are no open disputes! They're all closed!! And I have the letters to prove it ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX  XXXX - XXXX XXXX XXXX XXXX XX/XX/2018 XXXX - XXXX XXXX - - XXXX XX/XX/2018 XXXX XXXX - For XXXX  only XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent Equifax a letter notifying them about 2 unauthorized addresses, 1 unauthorized employer and 5 unauthorized inquiries which do not belong to me. I attached a recent report outlining the unauthorized items. On XXXX, my letter was delivered to Equifax according to the XXXX XXXX XXXX XXXX. On XXXX, Equifax sent me report # XXXX with dispute results which clearly shows Equifax is continuing to report 5 unauthorized inquiries which is against federal law. They have failed to delete the 5 unauthorized inquiries. I have attached a copy of the letter Equifax received dated XXXX, a copy of the XXXX certified mail receipt dated XXXX, a photo of USPS tracking delivered dated XXXX and the updated Equifax credit report # XXXX dated XXXX.
Product: Vehicle loan or lease

I leased a XXXX XXXXXXXX XXXX never was late or missed a payment the lease ended last XXXX I contacted the lease holder ( XXXX ) Chase Bank informing them I wanted to extend the lease for six months witch would have extended it through XXXX They took payments XXXX, XXXX, XXXX when we went to make the XXXX payment it was refused couldn't reason with anyone not even talking to people in this country. One the second week pf XXXX this low bed shows up telling me he's reposing the car showing me no paper work at all I never missed a payment nothing made sense Chase never sent anything to me either. I don't think this is fair at all also in XXXX someone backed into the car and left while we were shopping I had already contacted my insurance company
Product: Credit reporting or other personal consumer reports

I attempted to resolve an issue with information on my report that was not mine however I continued to receive stall letters from Equifax advising me I was not submitting these request. When I called I was directed back online so in turn, I was forced to seek legal action. See attached my request from my attorney to immediately remove this fraudulent information from my report. 
Accounts ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX