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

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Checking or savings account

On XX/XX/2022 I opened an HSA account with XXXX and submitted paper work to initiate a transfer from Optum Bank HSA to XXXX account. I contacted XXXX a few weeks after that to ensure I didn't have to submit any more paperwork and they said that the ball was now in Optum Banks court. 

Last week I called Optum Bank inquiring about the status of the account. I noticed i still had money in my optum bank account, when it all should have been liquidated. They had no trace of the rollover. I spoke to two different people. One of them requested I fill out this form : XXXX XXXX XXXX  even though this form clearly states its for transferring an account from an institution INTO optum bank, not the other way around. The person advised I liquidate my investing portion of optum bank, as they wouldnt be able to transfer what was invested. I have liquified my investments, and now I am worried that it is going to take a long time for them to straighten everything out and I could lose out on potential market gains. 

I initiated another transfer from XXXX hoping that this time it will actually go through.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I was sending {$100.00} to XXXX using Western Union. And one of the choices to pay for it was by credit card for a fee of {$2.00} and there was no warning of any other fees or interest associated with the transaction. So sent the money over, but my credit card XXXX XXXX  charged me for the transaction additional {$10.00} ( {$10.00} for cash advanced fee and {$.00} for interest in it ). Even a transaction type they said it " Purchase '' per attached document, not " Cash advanced. It is misleading. I contacted the bank and Western Union to waive the fee because they did not state or informed me that there will be one, but they refused to refund it. Please help me to get {$10.00} back. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$85000.00}, {$50000.00} and {$18000.00} respectively. According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Using Citi 's Mobile App, I scheduled a bill payment for my internet provider, which was due on XX/XX/18, to be paid on XX/XX/18. Citi 's Bill Payment service provided a message that stated " Payment should be scheduled at least 2 business days before payment due date. '' On XX/XX/18 I received my monthly internet bill and found that the payment was not received until XX/XX/18, and I was charged a {$10.00} late fee. I called Citi and spoke with a female in FL, to request credit for the late fee. She told me the system said to allow 5-7 days, more than once, and declined the credit. She did not listen to what I said, and treated me like I was not able to read English. She wanted me to log on so she could walk me through submitting a bill payment. I told her that I had just logged into my phone before I called, and it said to allow 2 business days. I disconnected the call. 

On XX/XX/18, I contacted Citi via Chat and requested to speak with someone regarding the incorrect information Citi is providing on the Mobile Appl, requested credit for the late fee and an apology letter to send my internet provider. I don't appreciate having a late payment on my payment history. He declined the credit and he did not forward my complaint to anywhere!!! More than 2 months later, no letter or contact at all has been received. 

XX/XX/18, my husband & I opened new bank accounts with another bank, and we have moved all but about {$600.00} out of our accounts. The remaining balance will be withdrawn, and we want both our checking and savings accounts closed at our request. I am not going to ruin my excellent credit that we have worked so hard to maintain. 
Also, as of today, XX/XX/18, the Mobile App still shows the same message to allow at least 2 business days, so it still has not been corrected. I wonder how may other Citi checking customers have been assessed late fees unnecessarily due to incorrect  messaging. 

About a week or later, I contacted Citi via Chat using my tablet to ask how to stop the recurring transfers from Checking to Savings. Again, the representative did not ask what device I was using, and gave instructions for the full website. I ended the Chat.

Citi wants to push customers to use the Web and Mobile site, but they do not ensure the correct information is being provided. I understand that the Mobile App does not allow all of the functions as the full site, but providing incorrect information and not filing complaints to investigate reported issues is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witn the Fair creair reporing act. The List or accounts berow nas viorared my rederally protecred consumer rignts to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXXccount 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 DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Any other adverse item 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

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XXXX XXXX, Transunion is XXXX XXXX now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that SAFCO ACCOUNT # XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

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

I was advised to contact you all regarding a XXXX XXXX account on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report.
Product: Credit card

I missed a few payments due to being out of work from XXXX. Synchrony Bank was calling me and leaving messages saying they needed to contact my attorney and would be arresting me if me or my attorney did not contact them by the end of that day. This went on for weeks until I was able to pay them.
Product: Credit reporting or other personal consumer reports

Please see attached XXXX has my name wrong and has mixed up my file and I can't get my credit report.. 

Experian refused to block information please attached
Product: Debt collection

In pursuant to XXXX please tell me the total amount of this alleged debt that is owed.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX XXXX : {$3700.00}
Product: Credit card or prepaid card

on XX/XX/2018, Chase sent me a notice that they decide to close my CF account. I'm fairly new to the credit business but I know that closing my card with negatively affect my credit, I recently got married about a year ago, me and my family are just trying to build our credit so that we can achieve our financial goals. My wife and I are both hard working individuals with stable income. My credit utilization rate is 10 % and I use all my cards in a normal way. I respectfully ask that my card be reopen and I will stop whatever I'm supposedly doing that I shouldn't be doing.
Product: Credit reporting or other personal consumer reports

My information has been exposed of a data breach recently of one of the 3 biilion persons. To whom this nay concern sincerely. Please consider this a formal request to investigatea and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request to pursuant 15USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you verify each on of these items, and that the inaccurate items be deleted from my record. 

XXXX. XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on the account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

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

Transunion continues to report a fradulent negative account on my Credit report. They are in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 Reporting on EXPERIAN XXXX/ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these are showing they all did hard inquiries on my account which was not authorize by me. They inquired on my account without my knowledge or approval.
Product: Credit reporting or other personal consumer reports

Experian has a fraudulent name ( XXXX XXXX XXXX ) listed for a membership with them under my credit report. I never signed up for any membership plan with Experian. This is not my name nor can they provide a wet signature with my name on it that I signed up for this. I don't know who this person is they have listed under my report. Please see below and attached. 

Personal information Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX VERIFIED Email XXXX Annual income
Product: Credit card

I had gone through a divorce and my ex-husband was to be responsible for the balance on the cc as per the courts.
Product: Checking or savings account

I wrote out a check to pay for my pesticides for my company in the amount of {$390.00}, and placed it in my mailbox for my mail carrier to pick up. The check was stolen out of my mailbox and washed. This person left my name and the company on the check but washed the pay to the order of, the amount and the memo. He then proceeded to make the check out to himself for {$17000.00}, and wrote in the memo " damaged vehicle. '' He proceeded to take this check to TD Bank, and cashed it against my business account. This check cleared through my account, however I did not find out about this until I received my bank statement at the end of the month. I reached out to my bank XXXX XXXX they said they were going to take it up with TD Bank since they were the bank that cashed this check. TD Bank has since refused to pay for this mistake, stating they were not at fault. I have filed a police report and XXXX XXXX  hired a lawyer to deal with TD Bank and they have rejected the claim. I am now out {$17000.00} due to no fault of my own.
Product: Debt collection

I never received a copy of the contract. This company is also reporting an inaccurate balance
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a complaint against XXXX XXXX XXXX XXXX for XXXX reporting of my account on my credit report. Account # XXXX is listed as charged off/ profit loss but is still reporting a balance. On XX/XX/year> the company responded and stated that the debt was not charged off for profit loss, which my credit report clearly shows. At this point I am prepared to sue XXXX XXXX XXXX XXXX for statutory damages for fraud and violation of the FCRA if this account is not deleted from my credit report.
Product: Debt collection

I have disputed this debt through XXXX  and they are refusing to remove this debt. I have NO knowledge of this account with XXXX XXXX for {$620.00}. It is a collection through AmsherCollectionServices that has recently been added to my credit report. It needs to be removed because it was definitely not a account of mine. 

It says it was opened XX/XX/2020 and it was reported to my credit report on XXXX/XXXX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit reports and became aware that XXXX reported late payments that I don't recall ever being late. I have had this card since XXXX and it has always been in good standings. The following are the dates that XXXX are reporting late payments that are having a direct impact on my credit score & credit worthiness. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

I have requested XXXX proof that the alleged late payments are correct and as of this date XXXX has been unable to provide me the information I'm requesting.
Product: Credit card or prepaid card

Citi has refused to issue a refund check for the overpaid balancing. Their reason is it is under " security investigation '' Truth in lending actregulation Z, 1026.11. a2, Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ;
Product: Credit card or prepaid card

On XX/XX/XXXX, ask CitiBank for a Transfer Balance of my credit card ending in XXXX, to my checking account at XXXX XXXX  XXXX in the amount of {$3400.00}. 

According to the CitiBank app, this transfer was made on XX/XX/XXXX, but it was not so since this money NEVER reached my XXXX XXXX XXXX account. I immediately contacted CitiBank customer service and they told me that if the transfer had been sent, I should contact XXXX  XXXX XXXX, when calling the latter they told me that no CitiBank transfer in the amount of {$3400.00} appeared in their system. 

I have called CitiBank approximately 50 times requesting information and every time I call all the operators who answer me they tell me different information, they ask me for different data and again we fall into it. 

On XX/XX/XXXX I contacted CitiBank again and requested that a dispute be initiated over this amount {$3400.00}, and on XX/XX/XXXX, I took a letter by mail informing me about the start of the dispute. 

On XX/XX/XXXX, I receive an email saying that the transfer had been successful and they sent me a XXXX ID and a Trace ID, when checking the CitiBank app I notice that the charge of {$3400.00}, is on my credit card, upon receiving this email I call Citibank again and the operator that serves me tells me that the dispute of XX/XX/XXXX I feel mocked by CitiBank, since they do not give me an answer about that transfer money that I NEVER received in my XXXX XXXX XXXX account. I don't understand why every time I call they tell me different information, I feel like they make fun of me. 

I can't pay a money I never received and they have to give me an answer about it, I ask for their help to see how I can get CitibanK to answer me and remove that charge from my credit card. It is worth noting that I make a minimum payment of {$35.00} so that the account will not fall into arrears and my credit is not affected. 

I am sending you an image of the emails and the dispute charge that was supposed to start. 

Sincerely. 

XXXX XXXX.
Product: Mortgage

I have been eligible to have pmi removed from my loan since XXXX, but they keep giving me run around and never send me information. I keep getting brushed off and ignored... meanwhile, I am charged every month for pmi. They first always tell me that I don't qualify, then I have them transfer me to a supervisor, who tells me that it just takes time and is pending.