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

I have been with Wells Fargo since 2017. I have never had any issues with them and they have always been great. I have had overdraft protection on my account since I opened it, and found out today it was XXXX. Of course I contacted them and was asked did I request to have this service removed, I told them know, but no one was able to assist with getting it added back to the account. I was transfered to a manager who said he does in fact see it was removed but he was unable to add it back but he would make an official complaint for me. In the middle of him doing so the call was dropped, im assuming he didnt hang up on person but never received a call back. I just want this service added back to my account asap as I didnt authorize for it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to monitor my credit and repair it upon finding any inaccuracies. But Equifax is not allowing me to sign up for their services. And they want me to acknowledge debts via my credit reports by asking multiple times did have any credit cards, mortgages, auto etc. Those may well be some debts on there but I don't know what's on there.
Product: Credit reporting or other personal consumer reports

did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Under 15 U.S.C. 1681i ( 7 ) Method of verification these Inquiries are in violation and should not be on my credit report. 
The Inquiries are the following : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I filed a claim with XXXX XXXX about this collection on my credit report on XX/XX/2020 because the amount is wrong! It says {$110.00}. owed but it should be about {$64.00}. I got the results from XXXX XXXX today XX/XX/2020 and it says it was accurate? Then I call AWA Collections myself and they tell me the remaining balance is {$64.00}? So how is that accurate if it is not?! I would like them to fix this asap! How do you have someone paying it off but you can't simply apply it to the Credit Agency? This is my Credit we are talking about and they need to do their job to report and update the correct information. I dont know what kind of investigation that was when obviously it is wrong!
Product: Debt collection

AD ASTRA RECOVERY SERV at XXXX XXXX XXXX XXXX, XXXX, KS XXXX has been sending me collection notices in the amount of ( {$250.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I would like this collection removed from my credit report with all 3 agencys XXXX, XXXX and XXXX immediatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello. Citi bank has stolen my money and is refusing to discuss the matter with me. This situation began back in XXXX of XXXX On XX/XX/2022, Citi bank suddenly marked my checking account for closure without providing any explanation other than the bland email that was sent to me. I called numerous times to get an explanation and to retrieve the money that was in my account at the time of closure, but I received awful customer support. There was {$4700.00} in my account at the time of closure. In addition, on XX/XX/XXXX, prior to me receiving notification of the closure, I had some of my money transferred to my Citi checking account via 2 entities, XXXX and XXXX.These deposits amounted to {$4700.00} and had fully processed after my account has been marked for closure. After a gruesome 2 months of constant perseverance, on XX/XX/XXXX, Citi finally agreed to send me the INITIAL {$4700.00} that was in my account. Mind you, this was after Citi bank had adamantly claimed that the money in my account was not mine, which of course is false. In XXXX, I received a call from an analyst who said my money in the account at the time of closure would be getting sent back via a check, but not the other funds that were sent to me. I asked about the other funds, to which she said that it was returned to the sender. This was a lie as proven by the email I received on XX/XX/XXXX which states, " The additional funds that were in the account at the time of closeout all were in the name of third parties. We are unable to return any third-party funds ''. Citi bank has my money and has not returned it. Surely a bank customer can be the rightful owner of deposited funds without his/her name because in the memo of the deposit. I reached out to the senders numerous times and have found out that nothing was sent back. Once again Citi bank has lied to me. I called Citi to get this matter addressed once again, but the representatives in the Citi bank XXXX response unit have proven to me misleading, deceptive, and wholly untruthful with me in our dealings thus far. Furthermore, they have not been returning my calls and are refusing to communicate with me about this matter, despite them having MY money. I am hoping that will change. It is of my belief, based on their treatment, that Citi bank is discriminating against me on the basis of my age, ethnicity, or race, or the any combination of those factors. The blatant disregard that they have displayed towards me is unjustified, right along with the complete refusal to return my money to me. If this goes on without being addressed to a higher authority, I believe Citi will subject many of their other customers to this unfair and cruel treatment, which Is why I refuse to let my concerns fall on deaf ears. I will continue to persevere until Citi bank returns my money to me!
Product: Vehicle loan or lease

On XX/XX/2024 we attempted to buy a new car at XXXX XXXX Toyota using our financial institution. We were told at near the end of the paperwork that if we did use our bank we could not drive the car off the lot without putting it on our policy first ( California law has a grace period for policy owners of which we are a policy owner and we showed them that fact ). We were told that their policy does not apply if we use Toyota Financing only if we use our own bank. We were pre-approved ofr almost twice the value of the car we were buying. This was a scam to force us to use their financial system.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), 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 these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Current status : closed The aforementioned accounts 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: Credit reporting, credit repair services, or other personal consumer reports

I have two dismissed bankruptcy listed on my credit reports. I disputed this information with each of the credit bureaus telling them that the information was inaccurate and was never verified. They ( Transunion ) responded in less than 24 hours telling me that they verified the information with the courts, which they did not. I called and spoke to a representative at the court and she said they would not submit to such a verification. I asked them to remove the information from my credit report and they refuse to do so. Unverified and/or inaccurate information can not stay on my credit report. Or send me proof of the verification that they say took place in XX/XX/2021. I am requesting proper debt verification from each bureau including all necessary supporting documentation.
Product: Credit card or prepaid card

Opened a new Citi XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX based on promotional material offering XXXX air miles after making XXXX dollars in purchases within 3 months of opening account. I received this offer in the mail. 

I was instantly approved for the card but to my surprise was issued a credit limit of XXXX dollars. I thought this was very unusual since my XXXX credit score runs 820+ for the past several years and I automatically pay posted charges such that I do not carry any balances. I have a XXXX XXXX XXXX credit card which I was provided with a credit limit of XXXX dollars. 
I immediately started using my new Citi card with the goal of meeting the XXXX XXXX3months to qualify for the promotional air miles. Quickly noticed that despite making electronic bank payments through the billing cycle to ensure that I am able to continue purchasing and not exceed the ridiculous low credit limit, that my payments were posted as " pending '' and my available credit did not change despite paying and not having a balance. This pending period ran 7-10 days. I contacted customer service requesting increasing my credit limit and was declined because my account was " too new ''. They blamed the excessively long " pending '' period on bank processing. After multiple direct bank payments, I contacted customer service and was again declined increase in credit limit and told that it normally takes four payments and thereafter should not have this problem with my available credit being updated to reflect payment. On a third call, was informed that that my bank payments had gone through, and they could not explain why my available credit took so long to update. During this time I received a copy of my XXXX score report and noticed that my credit score which was XXXX  in XXXX had dropped to XXXX  in XXXX. The reason listed was that my credit utilization/available credit ratio was high. During this entire time, I have not made any large purchases, new loans etc. I strongly believe that CitiBank engages in abusive and predatory practices, are the source of my declined credit score.
Product: Credit reporting or other personal consumer reports

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 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 attached is my ftc police report, ID and fcra 605B
Product: Credit reporting or other personal consumer reports

Ive sent dispute letters through XXXX, company that I hired to fix my credit score but I havent gotten any responses from the Credit Bureaus by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by Credit Krama that I was pre approved for a personal loan. After all the repeated guarantee approvals I applied. The company they sent me to XXXX XXXX XXXX turned me down for the original approval and offered me a small amount which really didn't help my situation. I took the loan at that point because they had ran my information already and it had affected my score plus 2 hard inquiry on my credit report. Now this loan company has some kind of block on my credit to where no other lender can get my information. Credit Krama has recently sent me an offer for {$13000.00} with the same loan company. I called to just verify and was told they would have to run my credit again to see if I even qualify for the loan that credit Krama guarantees. Something need to be done about this. They damaged my credit with these false misleading quotes.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

This was a payday loan from XXXX and the callI I got yesterday was threatening to have me arrested if I fail to pay {$460.00} by a certain time.
Product: Debt collection

Dear NorthStar Companies. a few weeks ago I asked you to cease and desist on a debt that you claim I owe unless you could provide me a copy of the credit application with my Signed Signature attached. You sent out a letter today with incomplete Information on some paper with XXXX XXXX XXXX Logo attached that was Typed up by your office with Invalid information Most important their is no signature with my name signed to it. so therefore you are violation the cease & desist demand I asked for. Unless you send me the Original credit application with my named signed to it. I asked You once again to cease and desist thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My Federal Consumer Rights has been Violated by Credit Bureaus Trans Union, XXXX, XXXX. My information was obtained without permissible purpose, I never gave them written consent to accept information from any Creditor, instead they reported my information to the public, which was false, misleading information, Identity Theft and Fraud. My Social Security Number, Email Login and password was Compromise, and as a original creditor only l can validate the debt. I did not validate this debt. 
I contacted the Federal Trade Commission and file a complaint # XXXX. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681c-2 which states that these accounts must be remove within 4 Business Days of receipt. The account listed below do not belong to me and is a result of fraud that I did not authorize : XXXX/XXXX XXXX
Product: Checking or savings account

I have moved out of the state wh ere Zions Bank ( Utah ) is locate d. I tried to call and close my checking account and line of credit account.     I dont have the exact dates of calling because I have had to call many time to this point and was given bad information that I had to piece together to know how to close both of my accounts.   I was told the only way to close my accounts was in person at " only '' the branch  at : Zions B ank,  XXXX   XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX  or to mail a notarized letter only to that branch. From  XXXX   XXXX , 2017-  XXXX   XXXX     2017 I ha ve receive d 3 fees (   XXXX  on   XX/XX/XXXX ,   XXXX  on  X/XX/17   ,  XXXX  on  XX/XX/XXXX  ), which has made the checking account go into a negative balance. As a result I have had to transfer funds into my checking and line of credit to bring the account balance to  XXXX . So the negative impact to me is the longer the account is not closed the more fees I keep having to pay when the checking account goes into the negative.     I sent a notarized letter USPS on  X/XX/2017   ( tra cking #  XXXX   ), it  was signed as received at the bank branch on  X/XX/2017   . I tried to call the bank branch but when yo u google sea rch you get a result to call  XXXX  which is a call center. I called many times on  X/XX/2017    and on  X/XX/2017   . The call center told me they can not get a hold of the branch either. The call center gave me a second #  XXXX  which they told me is the branch. I called that and it goes to the call center.     I asked every single person at the call center to close my account. Their response it they can not and only the actual branch can where the letter was sent. However, me and the call center  for two  straight days including a Supervisor at the call center could not reach the branch. The supervisor said she would email the branch and also open an internal complaint. I ga ve the Supervisor my contact information. I have many issues : 1 ) I can not close my acco unt over the phone when I now live across the country. I do n't understand why I can access the account, verify my identify and make all other adjustments but can not close the accou nts. 2 ) I was given bad information. 3 ) I was told only one branch can actually close the account and the   notarized letter can only be sent there, I do n't understand this because now my letter is only in the hands of someone at a branch and not a call center, corporate office, mail center, etc.  4 ) Myself and their call center employees could not get a branch employee on the phone for two straight days, every time we ( me, the call center ) it r olls back to the call center.     I feel like I am not able to close my accounts and it is costing me fees and time. I am not any closer to having the accounts closed and no one at the branch called me to inform me since receiving my letter the accounts will be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RXXXX 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 to whom this may concern, Your company said I allegedly owe you money I will " PAY '' under one condition if you can provide 1. Validation of the debt-that is, the actual accounting 2. Verification of a signed Invoice. 
3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail ' so that there is an independent " witness to it having been delivered. '' Kind Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report is fraudulent and unauthorized : XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX Bank, XX/XX/XXXX, XXXX DC Bank XXXX XX/XX/XXXX, XXXX Bank Delaware XXXX XX/XX/XXXX, TD Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Bank XXXX Credit, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXl, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX and XXXX XXXX Bank, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Method of Verification and Continued Dispute of Charge-Off XXXX XXXXXXXX Account To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the XXXX XXXX account # XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the 1

099-C form I received, which indicates that the debt was canceled. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 2. The name and contact information of the person or entity that provided the verification. 3. Copies of any documents or records used in the reinvestigation process. The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable rein
vestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Thank you for your attention to this matter. 


Attachments : XXXX XXXX XXXX For ID