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

On XX/XX/XXXX, a person took out a personal loan in my name in the amount of about {$16000.00} from XXXX XXXX. I contacted the company and they confirmed it was not me and that I was victim of Identity Theft. I followed up with them several times. They finally sent me a letter dated XX/XX/XXXX. In the letter, they confirmed they would close the account in their system, contact the credit agencies to delete the trade-in from my credit report. They also confirmed it would be removed from my credit report since I had contacted them prior to requirement for payment. Since then, they have reported I am delinquent in the account to all ( 3 ) credit agencies. Experian, XXXX, and XXXX have now all reduced my credit score and reported to me that I am delinquent on this fraudulent account. This is not my account, I am a victim of Identity Theft and while promising to resolve the situation quickly, they have instead created more work for me to resolve the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform you that the accounts listed below are reporting erroneously & is inaccurate. The banks are reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN DID NOT INVESTIGATE THIS ACCOUNT CORRECTLY PROPERLY THIS ACCOUNT NEEDS TO BE DELETED Immediately. EXPERIAN ON ONLY INVESTIGATION TOOK THEM 3 DAYS TO INVESTIGATE THIS ACCOUNT. BY LAW ITS SUPPOSED TO TAKE UP TO 30 DAYS OR MORE BECAUSE THEY HAVE TO REACH OUT TO THE CREATORS TO CHECK AND SEE IF THE INFORMATION IS CORRECT.A DISPUTE TAKES TIME TO DISPUTE. XXXX XXXX XXXX DID NOT CONTACT YOU. IKNOW BECAUSE I SPOKE WITH THEM.THEY GAVE ME THE LETTER TO GET THE ACCOUNT DELETED AND I HAVE MY PROFF OF CLAM. EXPERIAN THEY ARE BREAKING THE LAW OF THE FCRA & THE FTC and the CFPB.THERE WAS NO status update. DISPUTE WAS OPENED ON XX/XX/2023 Closed back on XX/XX/2023 THERES NO POSSIBLE WAY THAT THIS ACCOUNT HAS BEEN PROPERLY INSTALLED I DEMAND THAT this Account be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud items on my credit report since XX/XX/XXXX. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft affidavit, yet the bureaus are still not taking any actions. These items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let this fraud inquiry affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify these items to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete these items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX RI XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Bank account or service

On XX/XX/2016, I went to an ATM at the Chase Bank on XXXX in XXXX, NY to make a withdrawal for {$460.00}. When making the withdrawal, I took to long to take the {$460.00} out of the machine and the ATM took the {$460.00} back. I did not receive the {$460.00} from the ATM. I have been calling Chase 's claims department for almost XXXX weeks trying to have someone apply the credit back to my account. Every day that I call, the representatives continue to give me different time frames about when I 'm going to receive my credit. I just want my money applied back to my account. Can someone please help me???
Product: Bank account or service

I am a XXXX XXXX, with a vacation home in the USA. I have had a checking and savings account with HSBC USA for about 5 yearsAbout 6 weeks ago, the HSBC USA regulatory team contacted me by e mail, for additional information. Specifically, they needed my Social Security number, and details of my XXXX.As I was in XXXX at the time, I was asked to present these to a local branch in XXXX to have these 'verified '. On XXXX the XXXX XXXX, I brought these items into the XXXX branch in XXXX, with details of where to send the verified copies. I was assured this would be done. 
Long story short, HSBC USA never received anything, and without any prior warning, I discovered yesterday that they have cancelled my accounts with them, and have advised that a check will be mailed to me in 7-10 working days. I have now opened another account with another provider, but until I receive, and cash the check from HSBC ( approximately {$22000.00} ), I have no means of adding funds to my new account. 
This has left me without any means of getting and cash, and without a local credit card. Furthermore, I have a number of direct debits set up, which will no longer be honored. It is likely my credit rating may be negatively impacted if or when a direct debit request is declined by HSBC USA. 
I am extremely unhappy I was not contacted to be told there was information missing, or given a chance to rectify the problem now I am here in the USA. 
XXXX XXXX
Product: Credit card

I opened a XXXX XXXX Credit Card account with Citi due to the limited time offer of XXXX points for {$2000.00} eligible spending in the first 3 months. I have access to this offer from both Citi website and XXXX website, and applied through the link offered. However, upon opening of this account, I only received the regular offer of XXXX points for {$1000.00} eligible spending in the first few months. I followed up with Citi on the limited time offer as provided, but Citi refused to honor the promised offer.
Product: Debt collection

All though out the start of the Covid outbreak all the way to XX/XX/XXXX when I paid the account in full. American Express has consistently engaged in questionable and overly aggressive tactics and threats as it relates to my account they closed and for no reason our cause. They continued to draw funds from my account after advising them the account had changed and providing the information verbally due to the limitations on there web site to make the change myself. My wife is a XXXX XXXX and caught XXXX the early part of this year and in XXXX my father passed due to the XXXX. When I called in XXXX and XXXX to explore what options. I could literally hear someone laughing in the background as I was explaining my concerns trying to prevent negative information during the pandemic. I was hung up on, several times as I tried to work with American Express. Finally I ended up taking on three jobs just so I could pay the debt off, because the last call I received a man with a thick accent threatened to turn the account over to a third party if I didnt pay within 24 hours and he was so demanding and aggressive. I have never experienced anything like this before and I know American Express does not operate under these types of values, so I was shocked that with how hard these last two years has been on everyone. The was I was treated when trying to ask for help during this world disaster is just eye opening to be honest.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. 
I demand that the following accounts listed on attached document be removed immediately.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Late/Open Inquiry in Dispute : XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering all lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I received a derogatory mark on my credit report for an account that I have no knowledge of. No information provided to verify any information. No communication received prior to mark on credit report about supposed account
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB to remove the accounts XXXX XXXX XXXX XXXX which is showing multiple times and with different amounts, and XXXX XXXX as duplicate entry on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter.
Product: Credit card

I filed a dispute on account XX/XX/year> it reads the information has been verified as accurate, however, information unrelated to your dispute has been updated ( I DON'T KNOW WHAT THAT MEANS ) and then it says this account has been deleted from credit file but it's still on my file so I call them for the verified information and they told me they couldn't give me any information because they don't have this account on record
Product: Consumer Loan

I am not sure which application I need to submit this dispute as I am not the borrower and did not authorize this transaction/account opening but I would like your assistance in obtain feedback from this company as to why they are reporting a charged off and out of date account that has been on my credit files since XXXX? I do not own a account with this company and I wrote to both the company and the credit bureaus in XXXX advising that this account be removed or that I be provided with validation as to the date this account was opened and defaulted upon and provide me with all documentation used to validate balance owed. I have requested this company and the credit bureaus ( XXXX ; XXXX and XXXX ) close out this inaccurate out of date account and update my files accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Credit Card account # XXXX is reporting delinquent with two late payments that was past due 30 days two times however I have made all my payments on time and the account is in current good standing. The account is not delinquent and has been opened since XX/XX/XXXX. For XX/XX/XXXX and XX/XX/XXXX it is reporting these months the 30 days late but I have made those payments on time and XXXX never sent me payment reminders or bill statuses throughout my whole term with this bank. I am requesting the removal of this false reporting information to all payments on time as they were and should be because I am going for a mortgage loan and with this delinquent status it is severely hurting my credit score where I can not go for a home loan. I need this fixed XXXX or I will close my account with you guys. I am extremely hurt I had this account for 4 years and they DARE put me in this situation.
Product: Checking or savings account

I have a BB & T Money Account and utilize this account to pay my bills. This account does not go into overdrafts and you are unable to utilize funds that are not in the account. On XX/XX/2018, I check my account balance and I had a balance of {$200.00} plus change. I utilized my card to make a XXXXXXXX XXXX   purchase for {$19.00} on that day which posted on XX/XX/2018. I additionally performed another transaction for {$180.00} by visiting a BB & T banking center location and making an ATM withdrawal. On Thursday, XX/XX/2018, I checked my account and there was an overdrawn balance of {$190.00} and some change. How is that possible when there are no overdraft fees or the possibility of overdrawing on this type of account so how am I able to utilize funds that are not there. With this card, you can't even purchase gas at gas pump to avoid overdrawn balances. I reviewed my account and there were no unknown credits or deposits credited to my account. I reached out to the BB & T and inquired as to why I was overdrawn. They basically repeated my account activity but could not answer as to how I would be over to overdraw this account if the funds were not there. As I previously explained, I had an available balance of {$200.00} when I checked my account. BB & T couldn't answer as to why and submitted a problem resolution ticket. Every time I reach out to them for the resolution of this matter, I am only told that it is in review and they do not have an answer as of yet. Due to this bank error, I have experienced financial hardship and I feel as if they are not addressing my concerns because when my employer 's direct deposit credited my account on XX/XX/2018, it was {$190.00} preventing me from paying my entire rent which would have been possible if my account was not overdrawn when it credited my account. This is unjust and completely some type of error by BB & T which they are unethically failing to accept as their fault. This situation occurred soon after the big national news of their system failure that affected me as well. When that incident occurred, I didn't receive my payroll direct deposit for 2 days after the scheduled date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to an auto loan today. My bank told me that US Bank submitted derogatory information onto my credit report that has affected my credit score and ability to obtain a loan with an APR that goes along with my outstanding credit history. Bank told me that US Bank charged off {$150.00} ( approximately ). It appears that this was my mothers account. She died in XXXX. Her house sold in XXXX. I received no information from the bank in the form of an email or phone call, although I'd been a customer for approximately 20 years. 

I was on the phone with the bank for over an hour. I believe they are using some kind of program for the XXXX XXXXXXXX as no one there has the ability to utilize a microwave oven, let alone deal with a customer issue. They were absolutely ZERO assistance. 

I am not responsible for this and want is removed immediately!
Product: Checking or savings account

The company I work for changed from XXXX to XXXX. I was expecting a deposit into my Chase account, and I received several emails that Chase declined the transaction. I called Chase took 35 minutes to reach a human. I was told that he checked and re-checked for push to pay, for ACH via my card and/or account. My checking account is overdrawn, and I keep getting phone calls from Chase about a negative balance. However, they decline transfer of my pay.
Product: Credit card or prepaid card

This is a follow-up to my original complaint : XXXX Two months ago I submitted a complaint concerning AmEx, expecting to get prompt resolution. Despite my repeated inquiries since this time, I still have no resolution. The response from American Express to my complaint was in effect a non-response and totally unacceptable. They simply punted the issue, leaving me in the exact same position as before. I am still waiting for them to correct their error and unfreeze my account. Another month has passed and still no resolution. This should be very simple. It would take one employee a mere matter of minutes to look at my account, confirm there is nothing even remotely resembling abuse, and then unfreeze my account. I have been a loyal customer for years. To add insult to injury, I called a few days ago for a status report and the representative informed me -- contrary to the response letter from AmEx -- that the freeze was not due to any investigation but was instead a " known technical glitch '' that should be cleared up in days. It still has not been. How can this process possible take months? This delay is outrageous. 

Here is the content my original complaint, sent months ago : " I have been a longtime holder of American Express credit cards. Certain of these cards earn Membership Rewards points, which can be transferred to airline miles programs and used to redeem flights. On XX/XX/XXXX, I attempted to transfer XXXX membership rewards points to XXXX. I need these points to book a long-planned family vacation. When I attempted to transfer the points ( as I have done many times in the past ), I received a message that I was unable to do so because my account is under investigation and has been locked. I called to investigate, and nobody would give me any information despite my repeated attempts. The only information they could provide was 'my account was locked by corporate, ' 'they do not know why, ' 'it is impossible for me to speak with anyone in corporate, ' and 'I should expect to hear more in 6 to 8 weeks or longer when the investigation is complete. ' This is crazy. I need to use these points now or my family will be unable to go on our long-planned vacation. There is no basis whatsoever for withholding my points. I imagine AmEx will eventually figure that out, but forcing me to wait an indefinite period without access to my earned points in unacceptable. ''
Product: Checking or savings account

The bank launched new software since then they do not process payments for 5 to 7 days but more importantly twice they have applied a low fee to my account then used a XXXX dollars plus from my account for days thus causing me to struggle. I like most Americans live paycheck to paycheck I have to care for my mother and my XXXX XXXX child. On XX/XX/2022 the bank indicated a XXXX charge and my balance went from XXXX to XXXX then again on XXXX. They charged XXXX non citi atm fee first of all there is no XXXX atm fee that I know of the largest fee I use is XXXX, my balance then went from XXXX to XXXX causing my money apps to not be paid and making it impossible for me to move my money the way it works for me. If they are doing this to somebody with no money what are they doing to everybody else. I do intend to move my account but of course that will take all of my money to go smoothly.
Product: Credit reporting

After several attempts to log in and get my credit report Experian keeps stating they are having tech trouble. Every single time? All the time?
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAKING THIS COMPLAINT FOR MYSELF. THERE IS NO THIRD PARTY INVOLVED. 
my name is XXXX XXXX and i am a victim of identity theft. 
My consumers report has all of these fraud inquiries and addresses. 

Below i have attached my id, ssn, ftc report, and proof of address. 
Remove all of these fraudulent inquiries and addresses that dont belong to me. 
I have also mailed the bureas a copy of these documents as well. 


UNAUTHORIZED INQUIRY : 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: Debt collection

Went to get the court documents to prove the amounts owed was dismissed by the municipal. Uploaded these files with the debt collection agency profile. Disputed this account numerous times but I get told they are still waiting to hear from the rental property manager. Its been since XX/XX/year>.