23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I OPENED A SAVINGS ACCOUNT WITH BARCLAYS XXXX XXXX ON XXXX XXXX AND FUNDED THE ACCOUNT WITH MOBILE CHECK DEPOSIT OF {$4600.00}. THE CHECK WAS PLACED UNDER REVIEW AND LATER APPROVED FOR PROCESSING. 

FEW WEEKS AFTER THE CHECK WAS CLEARED, I TRIED TO MAKE A WITHDRAWAL BUT THE FUNDS WAS FROZEN. CALLED CUSTOMER SERVICES AND SUBMITTED ALL REQUESTED DOCUMENT BUT FUNDS STILL COULDN'T WITHDRAW. 

CALLED BACK BUT CUSTOMER SERVICE SAID THEY GON NA CLOSE THE ACCOUNT IN 10 BUSINESS DAYS AND TRANSFER THE FUNDS TO THE LINKED ACCOUNT. OVER A MONTH ON IT AND THE BANK IS STILL HOLDING ON TO MY FUNDS WHILE DENYING ME ACCESS TO IT. 

COMPLAINED TO XXXX BUT NO SOLUTION. THE BANK SAID THE CHECK MAY NOT BE VALID OR FRAUDULENT BUT THEY REVIEWED AND APPROVED IT WHEN DEPOSITED AND THE CHECK CLEARED WITHOUT COMPLAIN FROM THE OTHER BANK. 

THE BANK IS REFUSING TO CLOSE THE ACCOUNT, REFUSING TO REVERSE THE FUNDS, REFUSING TO MAIL A CHECK, REFUSING TO TRANSFER THE FUNDS TO THE LINKED ACCOUNT. 

THE FUNDS DOESN'T BELONG TO THE BANK AND THERE IS NO COMPLAINT ABOUT THE FUNDS BUT I CAN'T UNDERSTAND WHY THE BANK IS SO DESPERATE TO EMBEZZLE THE FUNDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information. I previously sent letters to TransUnion and these companies about their credit reporting not being right. None of these companies provided anything that I asked for to validate these accounts.
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : ALLY XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX Card on XX/XX/XXXX under the account number XXXX, another personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and lastly a personal credit account opened at XXXX XXXX. on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.

The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Bank account or service

The XXXX has directed me to you for help with an ongoing issue I am having with Wells Fargo. In short, they have arbitrarily closed my separate XXXX nonprofit business account thrice. The bank has failed to notify me of these closures, and the bank has failed to restore the nonprofit 's balance that was in the first account they closed without my permission. 

I have notified the bank on numerous occasions and the XXXX helped me restore XXXX account, but Wells Fargo has continued to close my account and has never restored the nonprofit 's balance. As of last week, I was appraised to Wells Fargo illegally depositing a XXXX XXXX donation into my personal checking account ; I can only assume they did this because they closed my nonprofit 's business checking account. It 's my understanding that this is theft, fraud, and illegal, and this appears to align with the illegal behavior Wells Fargo was recently accused of doing with manipulating checking accounts and massive employee firings / federal lawsuits. 

Please let me know what I can to do to remedy this problem as Wells Fargo has ignored my request for resolution. I do n't want the IRS to think my nonprofit was knowingly breaking the law by applying tax-exempt donations to my personal checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I HAVE NOTICED FRAUDULENT INQUIRIES THAT ARE NIT MINE AND THEY MUST BE REMOVED FROM MU CREDIT REPORTING AND CONSUMERS REPORTING AS WELL YOU ARE VIOLATING MY RIGHTS AND YOU ARE BREAKING THE LAW AS FAIRS CARES ACT Inaccurate inquiries must be removed permanently This ground for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The inquiries, which appears on my credit report from General Motors Financial Company dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

I have contacted these companies individually and have not received any reply back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three major credit bureaus are reporting an erroneously on my account and it must be fixed immediately. I have been disputing this account for some time now and have recently received a deletion letter for the account. I sent the deletion letter to all 3 credit bureaus but every time I take a look at my credit it continues to report. The late on XXXX XXXX XXXX is inaccurate. I have attached a letter stating so. This is keeping me from being able to buy a home and needs to be resolved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX information services, XXXX and Experian are continuing to report inaccurate information on my credit reports after failing to validate my dispute letters that I sent to all three of the CRA 's about an account which is being reported inaccurately. ( XXXX  XXXX  XX/XX/XXXX Charge-off ) I spoke with the manager a minute ago at XXXX  XXXX  in XXXX ( XX/XX/XXXX ) ( XXXX ) about the data that is being furnished by the CRA 's and he mentioned to me that an " AUD '' document to uniformly correct the information on my credit reports was to be made and yet it shows that the reporting is still inaccurate and not what they provided especially with XXXX XXXX XXXX .
Product: Mortgage

On XX/XX/XXXX I was informed by the agents name of XXXX that my account is in a rears by a month, which is not true because I always pay every month. Last month, when I made a payment to Realtime, their agent XXXX XXXX on XX/XX/XXXX stated that I was paid in full with my payment of {$110.00}. Now today, XX/XX/XXXX, XXXX tells me that I am in a rears one month and that I need to make double the payment and that this comes from a late payment from back in XXXX of XXXX! I am just being informed of this now over the phone. I am supposed to have gotten documentation from them on my past payments but they have not emailed those to me either. another suspicious part of their story is that my account has no interest since XX/XX/XXXX so even though the late payment might have been {$10.00} there is no way that it would equal a whole separate house payment!!! The agent I spoke to in XXXX when I was informed of the new terms of my agreement was that the bank got rid of the late payment and that there would be no late payments and that there would be no interest until further notice. So there is no way with there being no interest would the late fee have gotten this far advanced and why is it that I am now just hearing about this?! This is an atrocity! EVERY month I make a complete house payment and I do not skip. 
How can a company get away with this kind of behavior? Every month until now, I thought everything was good and now this is happening. These big companies do not care about the little guy and take advantage anyway they can. It's also interesting that their customer service does not mention this payment to me until now. I am not the only one they have done this to. If you look this company up you will see that there are hundreds of these similiar instances. Why is this all of the sudden being brought to my attention after a year of phoning in my payments? Where are they getting this bogus charge? This is fraud, making up a payment that I do not owe!
Product: Credit card or prepaid card

Citibank account ending in XXXX with a disputed charge with XXXX XXXX of {$240.00}. Citi refuses to take my dispute seriously even though I have proven with documentation that this seller sent me the wrong supplements and I returned all of them and this is confirmed and I am owed a full refund. 

I need this removed. I am a XXXX person and on a limited income and can not afford to have my credit ruined because Citi won't help the situation in a professional way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had the chance to go over my payment history letter sent from XXXX Department of Education/Nelnet on XX/XX/XXXX, and it doesnt show a history of late payments on record. My sole purpose in requesting my payment history on my student loans is because I have 9 late payments on my credit reports from Nelnet. All late payments listed on my credit reports are dated as follows : 90 Days Late in XXXX XXXX  90 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XX/XX/XXXX Between XX/XX/XXXX, to XX/XX/XXXX, my student loans were in FORBEARANCE, so I am not understanding why I have late payments shown in XX/XX/XXXX through XX/XX/XXXX on all three of my credit reports. The screenshot attached to this complaint shows that my loans were in FORBEARANCE between XX/XX/XXXX through XX/XX/XXXX. THERE SHOULD NOT BE LATE PAYMENTS LISTED ON MY CREDIT REPORTS DURING THIS TIME PERIOD, THIS IS INACCURATE AND IT NEEDS TO BE UPDATED TO POSITIVE PAYMENTS OR DELETED IMMEDIATELY. 

My credit report also shows 90 days late in XX/XX/XXXX ; however, my loans were in FORBEARANCE from XX/XX/XXXX, through XX/XX/XXXX, as shown in the attachments to this complaint. 

If you are not familiar with the term FORBEARANCE it is an option to delay student loan payments in case you are temporarily unable to make your monthly payments. While in FORBEARANCE, your loans will continue to accrue interest. That interest capitalizes or gets added to your balance when your loans switch out of forbearance and back into your payment plan. 

Attached to this complaint is an XXXX screenshot of the late payments from The Department of Education/Nelnet. 
This is unacceptable. I have been suffering from this negative payment history for years and each and every time I disputed these negative payments I am told by Nelnet, XXXX, XXXX, and XXXX that the information is correct, therefore my rights as a litigious consumer have been violated. 

Since I had to do my own investigation and clearly proved that I DO NOT HAVE LATE PAYMENTS, I respectfully ask that ALL LATE PAYMENTS FROM THE DEPARTMENT OF EDUCATION/NELNET EITHER BE UPDATE TO POSITIVE PAYMENT HISTORY OR BE REMOVED FROM ALL 3 ( THREE ) CREDIT BUREAUS IMMEDIATELY. 

I have attached the full payment history email sent to me from THE DEPARTMENT OF EDUCATION/NELNET within this complaint so you can see for yourself that I NEVER had a late payment.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX XXXX, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and TransuniXXXX data breach.
Product: Credit card

I have been a loyal Citi customer since Fall XXXX and hold multiple accounts, including : XXXX. Citi XXXX XXXX XXXX ( Account Ending XXXX ) : Opened XX/XX/XXXX. 
XXXX. Citi XXXX XXXX Card ( Account Ending XXXX ) : Opened XX/XX/XXXX. 
XXXX. Citi XXXX XXXX Card ( Account Ending XXXX ) : Opened XX/XX/XXXX. 
XXXX. Citi XXXX Account : With over {$260000.00} in assets, connected to my Citi XXXX account. ( the actual current number I am unsure of since I lost access online and can not see how much I have with the bank ) In XX/XX/XXXX, Citi abruptly closed all my credit card accounts and, shockingly, also closed my Citi XXXX account, which resulted in me losing online access to my Citi XXXX account. I have been left completely in the dark about how to manage my investments and access my fundsthis is unacceptable and deeply concerning. 

Additionally, I encountered the following issues with my credit card accounts : 1. Points Cancellation : - I earned approximately XXXX Citi XXXX XXXX through spending and the opening bonus on my two Citi XXXX XXXX cards. I completed the {$4000.00} spending requirement on both cards, yet Citi unjustly cancelled all my earned points after closing my accounts. 
2. Annual Fee Refund : - I was charged annual fees for both Citi XXXX XXXX cards, and these fees have not been refunded despite the premature closure of the accounts. 

This treatment is outrageous, especially given my longstanding relationship with Citi and the significant assets I hold in my Citi XXXX account. I feel betrayed as a customer and am appalled at the lack of transparency and support in resolving these issues.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report XXXX fraudulent accounts on my Equifax consumer credit report that I do not recognize. These accounts are the result of identity theft. The details are as follows : Collections : XXXX XXXX  ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX Opened : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Opened : XXXX XXXX, XXXX ) Other Account : XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) XXXX XXXX ( opened XXXX XXXX ) Additionally, I have identified four fraudulent inquiries on my Equifax report XXXX XXXXXXXX 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  ) I demand the removal of these fraudulent items from my Equifax credit report and that all collection activities cease, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that you, as the Equifax credit reporting agency , block the information resulting from identity theft within four business days of receiving this complaint.
Product: Debt collection

A guy named XXXX called me numerous times and from different numbers which XXXX of them was a local number when the company he says he works for us Evergreen Acquistions. He was very unprofessional and threatened to call my XXXX sheriffs office each time he spoke with me. And the last time he called me from a local number he yelled at me and said he was calling the sheriff and then hung up. I did without thinking and because he scared me at first I gave him XXXX of my debit card numbers. I ca n't tell if it is a scam or what only because of the threatening nature and unprofessionalism. Please help me find out if this is a scammer. Thanks. The address they are supposedly located at is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DC XXXX. Email address egacq.com
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is still showing incorrect information : - XXXX XXXX  XXXX, ( Account ending in XXXX ). This account has been paid-in-full. Please see the attached confirmation letter from XXXX, dated XX/XX/2022. 
- XXXX XXXX, is still incorrectly showing a {$900.00} balance due. ( Account XXXX ) incorrectly filed on my credit report. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to the IRS, which means it is now income earned for the company. I can not owe on income. This is inaccurate reporting on their part. They are trying to be paid twice for the same case. I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report. Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. 

Please remove these items from my account, immediately.
Product: Checking or savings account

I have had money taken out of my account that was not authorized. 
XXXX. XXXX XXXX XXXX. 5 hours ago XXXXXXXX XXXX. 18 hours ago. XXXX XXXX 18 hours ago XXXX XXXX 18 hours ago XXXX On the pending transaction page it states XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX at XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX I just noticed this was happening. I'm on XXXX wth XXXX XXXX XXXX. I'm on a fixed income and can not not afford banks taking money from me.5 hours ago I was sound asleep. On the XXXX I was at the beach and had no phone service. There is no way I authorized withdrawals from my Chime account. I have no idea how long this has been going on. I would really like to know. I've been in contact with Chime support numerous times. Left messages, emails chatted with customer service. I get no response back from them. And no resolutions to issues. This isn't the first time this has happened. I want to know how much they have taken over the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion responded in previous complaint XXXX, stating it will take 60 days for reinvestigation. This is not acceptable and is a violation of my rights and FCRA Rule 15 USC 1681i B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

Case was received by TransUnion on XX/XX/XXXXXXXX 45 day extension for completion is XX/XX/XXXXXXXX  and 30 day time lime is on XX/XX/XXXX XXXX I want completion of investigation resolved either by XXXX XXXX XXXX Punitive damages cost will be assessed and filed against TransUnion on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

EQUIFAX, I did not authorize the following companies to run my credit in XX/XX/2022. I have requested the inquiries items be removed from my credit. Please have the following inquires removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was totally out and I had Gap insurance. My Gap Insurance paid the balance which was XXXX on XX/XX/2019. On XX/XX/2019 it left me a balance of {$240.00}. I reviewed my account and called XXXX and the representative stated I have a balance for {$510.00}. I asked the representative to explain to me why my balance increased. The representative couldn't tell me the reason why because he didn't understand why. I ask to speak to supervisor he stated no one was available to speak to me at this time. I review my credit report and XXXX report late payment for XXXX for {$62.00}. I never receive any statement from XXXX stated I owe {$62.00}.
Product: Credit card

I 've had the US Bank XXXX business card for several months. For several months ( despite me spending hours on the phone trying to fix it each month ) when I log into my online account my balance appears as XXXX and there is no way for me make a payment if I wanted to. Each month I log in and see no balance due, then a couple weeks later I receive a letter in the mail tha my account is delinquent. I call, I get a run around on why I ca n't see my account online, and no on has been able to fix it. I 'm transferred between customer service and web support between personal reps and business reps, etc. This is clearly a deceptive practice as they are showing me my account is on time and paid in full, but then they tell me it 's not.