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

Responding to a mail solicitation, I deposited {$15000.00} with Citibank on XX/XX/2018. The promotion promised a bonus from the bank of {$400.00} after the money was held in a savings and checking account for 60 days, split between the two accounts. I later discovered that the {$400.00} would be deposited in one of the accounts after an additional 90 days. That time elapsed aver two weeks ago I have twice spoken on the telephone with customer service agents and once face-to-face with the manager of a branch office. Each time I was told the {$400.00} would be added to my account in " one or two days. '' No money has been given to me. I notice that on your database there are  many complaints about this same issue. Please help me as Citicorp is unresponsive and evasive on this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX XXXX  Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yelow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anyone. '' The data furnisher XXXX XXXX can not verify the bankruptcy either. So if thats the case How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers cr
edit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 instructions According to : 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

Despite my repeated attempts to address this issue, the fraudulent items remain unresolved. The persistence of these unauthorized transactions on my credit file is a serious concern that has yet to be adequately addressed. The presence of these fraudulent items is not only compromising my financial security but also significantly affecting my creditworthiness. The lack of resolution after multiple attempts to rectify this situation is unacceptable and has caused me considerable stress, inconvenience, and potential financial harm. 

To support my claim, I have attached all relevant documentation once again, including detailed statements highlighting the fraudulent items and any additional information that could aid in the investigation. I expect prompt updates on the progress and actions being taken until this issue is fully resolved. With this, I am asking for your assistance to or remove the fraudulent items : 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
Product: Debt collection

I have been repeatedly harassed by the Gurstel Law Firm, in XXXX XXXX MN to collect a debt that is not mine.  After telling them numerous times, they continue to harass me, and have subsequently filed a lawsuit. While I know that they can do that, they are using incorrect and down right false information to back their claims.They state that they are working for a debt collection company, XXXX XXXX XXXX XXXX for a debt on a XXXX  Credit Card that I did not apply for.  Not only is it not mine, they are suing me in a County that I do not live in, and their documents are false.  There is an affidavit of Service, that is a complete lie. I was not personally served, and couldn't have been as I was at a Doctor Appointment on the date and time that they state I was served, and my personal description is off by over 5 inches and about 30 pounds.They are stating the my work address is my home address and suing me in the wrong county, for a debt that isn't even mine.  Their numbers on the statements that they provided don't even match the amount that they claim I owe.This is an utter sham, and they need to be stopped.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my Equifax credit report and request that the Consumer Financial Protection Bureau investigate this matter. On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information on my credit report, and to this date, they have not responded. The following are the details of the inaccurate information and the required corrections : The following account was never late : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$18000.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$280.00} Please correct/update this inaccurate information on my credit report.
Product: Student loan

Nelnet intial loan balance changed from time of loan after paying on time for 5 years the loan a=mount is going up and not down. At onetime the loan was going down and then all of a sudden I check the balance it was XXXX more than the previous. I inquired about it to them and Department of Education and no one seems to know why. The initial loan I took out was less than XXXX. I have paid over XXXX and owe almost XXXX.
Product: Credit card or prepaid card

Chase credit card company has refused to reverse many fraudulent transactions that appeared on my credit card. I called them on XX/XX/XXXX and filed a fraud dispute and on XX/XX/XXXX they sent me a conclusion letter that said I am responsible for all of the transactions. There were over {$7000.00} or more in transactions that I didnt make to one merchant according to my account history. Their conclusion letter did not say the reason for why they think I owe this money. The only thing it states was you received benefit from this transaction. There was no reason how or why and no directions for how to file an appeal with them. I called them and sales why this decision was made. They refused to tell me why it rather said they are not sure why the reviewer made the decision and that I was not able to talk to the review person. So I told them its wrong what can we do. They said they can have the review it again. So on XX/XX/XXXX they started a second review and told me it would take about two weeks to finish the review. Today on Saturday XX/XX/XXXX they sent me an email with a document dated XX/XX/XXXX saying that they finished the second review and that I am responsible for the transactions. Remind you there are over 100 transactions for one merchant and several to other merchants. They told me this would take two weeks. How can they complete this in two days? It seems they are not even doing reviews and just filing paperwork without doing their job. It is obvious I did not make these transactions. The first time I called I also asked them to send me a new card. They didnt send one. So this time I asked them why and they said it was never noted on my account that I lost the card. It is a total XXXX show how Chase is handling these fraudulent charges and shows how little they care about protecting their clients. Instead they are just trying to force innocent people to pay for things that they never bought themselves. I have read online that many other people have been having similar problems with Chase credit cards and bank cards over that date back all the way to XXXX to XXXX. I refuse to allow them to take advantage of me. As a consumer we have laws to protect us from this happening to us. And when these big banks like chase clearly show they do not care to protect us it seems we are left useless and the banks are allowed to ruin our financial situation. Please help me with this. It is hard enough when we lose our wallets and have them stolen. But then when our banks allow it to happen what do we have left?
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I was contacted by multiple unsolicited lenders after putting in information with XXXX XXXX to compare my loan rates that I had started with XXXX XXXX. XXXX XXXX XXXX was one of those companies, represented by XXXX XXXX. He proceeded to ask me questions and I asked was this a recorded line as he stated. I asked if it was possible to run a soft inquiry to prevent from hurting my credit any further, as XXXXXXXX XXXX XXXXXXXX stated that they were able to. XXXX XXXX proceed by saying no they can not run a soft inquiry. At that time I requested that XXXX XXXX XXXX Do Not run my credit. Two days later I got an alert that XXXX XXXX XXXX  ran an unauthorized hard inquiry against my consent. I contacted TransUnion to file a complaint online contesting the inquiry and attempted to contact XXXX online but wasnt successful in logging in or vice versa on XX/XX/2023. I contacted the company directly after receiving another call at XXXXXXXX XXXX  from another representative from XXXX XXXXXXXX XXXX soliciting information. I informed this representative XXXX XXXX who claimed to help provide answers but instead I received information in email regarding an unauthorized account that needed activation. I called XXXX XXXXXXXX XXXX  directly to ask that they provide me a copy of my authorization to run my credit because it wasnt given. After listening to the customer service representative and not getting any answers or results in my request, who claimed to help me file my complaint with her company, prompted me to file an official complaint here.
Product: Debt collection

I have a loan with One Main Financial. If I am one day late, just one day, not 15 days or even 30 days, they start calling 2-3 times per day. I believe this is excessive. I dont answer. I will pay, just things are tight so we always have to string things out a bit and are sometimes a week or 2 late.
Product: Credit reporting or other personal consumer reports

Details of Complaint Complaint Type : Credit reporting issue incorrect information on credit report. 

Issue Summary : The account reported under XXXX XXXX with the account number starting XXXX has been disputed but remains incorrectly listed on my credit report. Despite providing documentation to dispute the validity of this account, the creditor and the credit reporting agency ( Experian ) have failed to make the necessary corrections. 

This account is not mine, and I am requesting that it be immediately removed from my credit report. Additionally, I believe the companys actions may align with issues that the CFPB has previously raised against XXXX for its predatory lending practices, deceptive advertising, and improper reporting of consumer credit information. 

Account Information Account Name : XXXX XXXX Account Number : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Company Phone Number : Not provided Source : Experian Report Number : XXXX Date Submitted : XX/XX/year> Applicable Law and CFPB Legal Action The Consumer Financial Protection Bureau ( CFPB ) has previously filed legal actions against XXXX for : Deceptive Practices : CFPB sued XXXX for partnering with third parties like XXXX to offer predatory credit products that often trap consumers in a cycle of debt. 
Misrepresentation : XXXX has been accused of misrepresenting the terms and conditions of its credit products, leading to confusion and harm to consumers. 
Improper Reporting : CFPBs investigations uncovered that XXXX has a history of incorrectly reporting consumer accounts to credit bureaus, causing undue harm to consumer credit reports. 
These practices directly correlate with the inaccuracies on my credit report and the failure to remove this incorrect account after my dispute.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, XXXX and XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ). The following account show inaccuracies Account Name : XXXXXXXX XXXX  ( Account Number : XXXX ) Despite providing evidence that late payment entries on my credit report are inaccurate, the credit bureaus have not corrected or removed these items. On XX/XX/year>, I disputed the inaccuracies with both CRAs, providing supporting documentation, including bank statements and payment receipts. However, the CRAs failed to investigate the dispute properly, did not verify the accuracy of the information, and did not remove the erroneous late payments as required under 15 U.S.C. 1681i. Under 15 U.S.C. 1681e ( b ), the CRAs are required to ensure the maximum possible accuracy of the information reported on my credit file. By failing to correct the false late payment information, they have violated this obligation, which has harmed my creditworthiness. I request that the CFPB intervene to ensure that the CRAs fulfill their duties under the FCRA, correct the inaccuracies, anc remove the disputed items from my credit report. I trust that the CFPB will take appropriate action to resolve this matter and protect my consumer rights. Thank you for your attention to this issue. Sincerely, XXXX XXXX XX/XX/year>
Product: Credit card

Dear XXXX XXXX, I am writing to formally express my frustration and dissatisfaction with US Banks handling of my account and the subsequent distress caused to me during this holiday season. 
On XX/XX/year>, I was contacted by your Collections Agent, XXXX, at XXXX. She informed me that my account was in collections with a balance of {$3500.00}, stemming from a charge dating back to XX/XX/year>. This was the first notification I received about this past-due balance, leaving me shocked and questioning its legitimacy. 
I regularly access my US Bank dashboard, and at no point did it reflect any past-due balance. During the call, I checked the dashboard and confirmed there were no alerts or notifications. Despite this, XXXX insisted that my account was past due. 
I received no prior communication via email, phone, or postal mail regarding this charge. It was only during the conversation with XXXX that I learned of the alleged overdue balance. To add insult to injury, this balance has accrued significant interest, despite my complete lack of awareness of its existence. 
After this call, I agreed to speak again on XX/XX/year>, to discuss next steps, as the unexpected nature of this balance left me unprepared financially, especially during the holiday season. On this date, I asked XXXX to escalate the matter to your Escalation Team. I was then transferred to XXXX, who failed to provide any meaningful resolution or accountability for US Banks mismanagement of my account. 
It was only during this call that I learned : 1. US Bank had been sending invoices to an outdated business address in Texas that I no longer use after a partnership dissolution.

2. These invoices were repeatedly returned as Return to Sender, yet no attempt was made to contact me via email or phone.

3. The balance in question was visible only on a separate business central account platform, which I had no reason to access.

Despite these admissions of communication failure on US Banks part, XXXX refused to address the accrued interest charges and promised further escalation. I heard nothing further until I received a letter from you, XXXX XXXX, on XX/XX/year>, stating that US Bank had unilaterally withdrawn {$870.00} from my savings account without my consent. 
This act is both unauthorized and unacceptable. I demand to see US Banks policy that allows such a withdrawal without customer consent. This account holds savings for my family, and your actions have caused undue stress and financial hardship during the holiday season. 
Since this incident, I have made numerous attempts to resolve this matter through your Collections Department, including speaking with XXXX, XXXX ( Collections Supervisor in XXXX XXXX ), and XXXX, all of whom have escalated the matter further without providing any meaningful resolution.
Product: Credit reporting or other personal consumer reports

I have a mortgage account with Shellpoint that was transferred over. I unfortunately ran into some problems with my business that left me in a huge crisis. I am slowly recovering but during this time I did my absolute best with Shellpoint to get something arranged because I knew it was important. However, I was bringing in exactly {$0.00} a month for a while and it was really tough on my finances and my family. I never could have expected the tragedy that happened to my business and did my best and got current as soon as I could. I understand my responsibility and how I am supposed to take care of things but I am grateful to have moeny rolling in and the ability to now pay my mortagage. I ask Shellpoint please revise my case with grace and understanding that this was out of my control. I had employees relying on me, a family, and I do not take my responsibilites lightly.