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

A scammer utilized XXXX to impersonate my ex-husband. The scammer utilized XXXX to empty my TWO savings accounts into a new fraudulent account under my ex-husbands name.

The bank has done NOTHING to assist me in recovering my savings. Their investigation was insufficient. The investigation did not attempt to contact the ex-husband whose name was used to open fraudulent accounts. They did not follow the money transfers to see where it lead. 
Bank of America does not care about helping their customers. I have proof of fraud and still my claims were denied. 
There are two police reports concerning the Identity Theft & the Wire Fraud Theft
Product: Checking or savings account

We banked with Citibank for years, and recently we changed the title from our regular joint checking to a XXXX  XXXX XXXX  about a month and a half ago, then : XX/XX/XXXX ( Fri ) : Used ATM and found the checking was put on-hold, without any notification from Citibank. Called the branch office and was told there were concern from Citibank regarding our XXXX XXXX  information. The representative said the information we provided before should be OK and the account should be unlock the next day. 
XX/XX/XXXX ( Mon ) : The account was still on-hold, no transactions in and out of the account dated after XX/XX/XXXX. Got no answering to the branch office, I e-mailed the branch representative and asked for resolution asap, as our family cash flow was frozen. No response. 
XX/XX/XXXX ( Wed ) : Visited branch office. Branch representative communicated with the branch XXXX and made necessary copies of my XXXX  XXXX again. Another promise that the account will be free in the next couple of days. I again emphasized that frozen the account meant non-payments to our auto-pay bills and missed deposits of our pension and wages. Late fees will incurred. 
XX/XX/XXXX ( Fri ) XXXX. Got an e-mail from branch representative indicating that the account was back to normal and said they will take care the late fee, if any. I was eventually able to log in the account on XX/XX/XXXX, not XX/XX/XXXX. 
XX/XX/XXXX ( Tue. ) I was checking my account on-line and saw an attachment dated XX/XX/XXXX, indicating that based on the result of their review of bank information and records, they have the right to close our account by XX/XX/XXXX.  No explanation of what was wrong. 
This last few days, we found another bank and opened a new checking account and try to re-set all the auto-pay and auto-deposit accounts to the new account, while waiting for this Citibank account to be closed. No apology from the bank for all these trouble and anxiety caused by the Citibank. 
This whole experience was scary, as we did not do anything wrong and we have shown them the whole XXXX XXXX document for them to make the necessary copy. Yet, out of nowhere, the account was frozen for almost 2 weeks. I do not believe this is legal. Just like any business, how can a family 's daily life not be jeopardize by cutting off the cash flow of their checking accounts?. Citibank needs to change the way they handle their client so in the future, other families will not fall into such terrible situation.
Product: Credit reporting or other personal consumer reports

I hope this communication finds you well. I am writing to express my deep concern and frustration with the unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. Despite multiple efforts to address this issue, the resolution process has proven to be challenging and unproductive. 

I discovered unauthorized and fraudulent transactions on my account, which has caused significant distress and inconvenience. Since then, I have been diligently working to rectify this matter by contacting your customer service department on [ dates of contact ]. Regrettably, each attempt to resolve the issue has been met with limited success. 

I understand that fraud-related matters require thorough investigation, and I appreciate your commitment to addressing such concerns. However, the lack of progress and effective communication has left me feeling dissatisfied and vulnerable. 

I kindly request the following actions to be taken promptly : A comprehensive and expedited investigation into the fraudulent items on my account. 
Clear and transparent communication about the steps being taken to address and rectify the fraudulent transactions. 
Timely removal of the fraudulent items and restoration of my account to its rightful state. 
I expect a resolution to this matter within the exact timeframe from the date of receipt of this letter. It is crucial that the necessary measures are taken to ensure the security of my account and to prevent any further unauthorized transactions. 

If the issue persists without a satisfactory resolution, I may have no choice but to escalate this matter further, including involving relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$24000.00}.
Product: Credit card or prepaid card

In XXXX of XXXX I lost my job and fell behind on alot of my accounts. Finally on XXXX XXXX XXXX, I paid off all my accounts. On XXXX XXXX XXXX Synchrony Bank sent me a letter stating that they were closing my Care Credit account basing their information on a XXXX XXXX XXXX Credit report which would have been outdated at the time. This does not seem fair.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting and XXXX Account # 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 report agency Can not furnish a Account without my written instructions
Product: Credit reporting or other personal consumer reports

I reviewed my credit report back on XX/XX/year>, and noticed some things are incomplete and not accurate. I sent a letter to Equifax on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. They are breaking several Federal laws. 

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I also asked them to provide me with a description of the investigation on XX/XX/year> according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either.

They are also breaking these laws as well below According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors : 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. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX  : acct XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  Accct XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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 pers on knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metr
o 2 credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Equifax to remove the security freeze from my account. I got successful confirmation via PDF receipt and phone. When trying to set up a new gas account, however, I was told that the credit freeze still existed. Previously, when trying to set up my security freeze with Equifax ( when they had the data breach that compromised my information ) they were extremely difficult to work with and it took me several weeks to the put the freeze into effect.
Product: Vehicle loan or lease

I noticed Nissan on my credit report with a name XXXX XXXX. I contacted them about removing this inaccurate information on my credit report. I explained this was inaccurate, fraud, and requested all legal documentation by law - Any information bearing my signature, contract, etc. I received nothing. Just your responsible. By FTCA section 609 ( b ) validation of debt and proof of signature with original contracts are required to repeatedly reporting these inaccuracies is a crime.I never received any legal information or documents I have requested required by FDCPA or FCRA. I will seek legal action if not immediately handled.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax, XXXX, and XXXX for failing to remove inaccurate information from my credit report despite providing enough evidence to support my dispute. I initially submitted a dispute regarding XXXX XXXX on XX/XX/XXXX, and then again on XX/XX/XXXX, accompanied by supporting documentation. However, after the XXXX investigation period, the reporting agencies failed to correct the error and continue to report inaccurate information, adversely affecting my credit score and financial standing. It is believed that XXXX XXXX is consistently reporting random dates with no physical proof. The first noted dispute from about 3 years ago had the date of XX/XX/XXXX. I request the CFPB 's assistance in resolving this matter and ensuring that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Product: Debt collection

This is a second complaint for the same debt added to my credit report XX/XX/XXXX for a debt supposedly from an emergency hospital visit in XX/XX/XXXX reported by XXXX XXXX XXXX XXXX XXXX XXXX It was then reported a second time as two separate debts on my credit report after I disputed it with XXXX and could not verify the debt with the original company XXXX that the debt apparently originated from. After submitting a complaint the company admitted that they needed time to research and verify the debt and that they would mail the information to me. They mailed a bill from a XXXX XXXX XXXX. XXXX in XXXX XXXX rather than the Texas location where the bill should have originated. The XXXX XXXX is permanently closed and the website to make online payments on the bill that XXXX mailed me is inactive. Additionally, the bill describes services as an evaluation during my emergency room visit at XXXX XXXX of XXXX. I set-up a payment plan with medical city and paid the {$850.00} balance early. Why would I have not paid {$100.00} debt if received? I research the XXXX XXXX included on the bill and found no office and only an affiliation with XXXX and XXXX. Furthermore, when searching for any signs of a business website and affiliation to the permanently closed location in XXXX for the XXXX XXXX, NV po box address I only find XXXX complaints similar to mine regarding outstanding debts that can not be verified, being reported to the credit bureaus, and no answer or response from XXXX XXXX.
Product: Debt collection

XXXX XXXX account current when closed at my instruction in XXXX XXXX. Final bill held due to unexplained additional charges. XXXX XXXX agreed to pay incorrect bill by end of XX/XX/XXXX. Collection agency falsely claims account was closed for non-payment in XX/XX/XXXX and placed for collection. Account was not " collection '' ; payment was scheduled. Attempts to damage my credit rating are fraudulent and arbitrary, done only to cause me injury.
Product: Debt collection

This is a apartment that was rented in my name in 2019. I have no knowledge of this, ive never lived in this apartment complex. During the said timeframe i lived in XXXX Florida at XXXX XXXX XXXX XXXX in XXXX Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are failing to show the following accounts are in fact In Dispute. XXXX XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX. XXXX  and XXXX  are failing to show the following accounts In Dispute. XXXX XXXX partial account number XXXX ; XXXX ; XXXX and XXXX. XXXX is failing to report the following accounts are In Dispute. XXXX XXXX partial account number **** XXXX and XXXX. I have sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.
Product: Mortgage

I was qualified for a home modification with XXXX XXXX  XXXX in XX/XX/2025. The initial 3 months trial period is from XXXX to XXXX. My original mortgage payment was {$1900.00} and the new payment for the home modification is {$2400.00}, which will include Monthly Principal and Interest plus Escrow Payment. During the modification period XXXX XXXX  XXXX transferred my loan to a new servicer : Select Portfolio Servicing, IncXXXX XXXX XXXXXXXX XXXX will no longer accept any payment after XX/XX/2025 and Select Portfolio Servicing will start take all payments in XX/XX/2025. Select Portfolio Servicing , Inc. is aware of my home modification with XXXX XXXX XXXX and agreed to honor that modification. I then started to pay Select Porfolio Servicing two ( 2 ) payments for the amount of {$2400.00} for XXXX and XXXX. Now coming into XXXX, Select Portfolio Servicing turns around and say my modification is no longer valid because XXXX XXXX XXXXXXXX is no longer the servicer of my loan therefore my modification is invalid.
Product: Credit card

I open a credit card account with American Express by following a link from their website. The link included a promotion for {$250.00} if I spent {$1000.00} in 90 days. I called in the morning XX/XX/2015 right after I applied for the card and spoke with male rep who confirmed the {$250.00} bonus and I applied correctly. He also asked if I was going to use the card right away and sent it expedited two day shipping. I spent the required {$1000.00} within 90 days but I never received the {$250.00} credit. 

I called Amex again on XXXX/XXXX/15 and spoke with representative ID : XXXX and was told once again that all conditions met properly for the {$250.00} bonus. I was told they would look into why my bonus did not post. I called again on XXXX/XXXX/15 and was given a case number XXXX. I followed up once again a few days later and was told I would not get the bonus because I had another AMEX card of the same type. I was told this is in the fine print but admittedly I failed to see it. 

If I was not eligible for the bonus I should have been told this the day I applied for the credit card and contacted AMEX customer service to make sure the account was opened correctly for the bonus. AMEX had two more opportunities to correct this but did not. I would not have applied for this card, which effects my credit score or spend the money on this card if I was told the of the conditions by AMEX customer service. Even if I made the error of applying for the card I would not have rushed to spend the {$1000.00} or if I was told I would not get the bonus and would have cancelled the application on XXXX/XXXX/15.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/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 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 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
Product: Debt collection

I am writing to formally dispute an account listed on my credit report under the collection account Portfolio Recovery. According to my records, this account does not accurately reflect the details of the debt and may be reported in error. I am requesting that you investigate this account, as I believe it is not valid or otherwise inaccurate. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt, and I kindly ask that you provide : The name of the original creditor. A copy of the original signed agreement or contract for the debt. Evidence that this debt belongs to me. A breakdown of any balances, charges, or fees included in the collection amount. If you are unable to verify this account or provide the requested documentation, I ask that it be removed from my credit report. Please send me written confirmation of your investigation findings, and if this account is found to be inaccurate or unverifiable, kindly ensure its removal from my credit report. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing information on my credit report with XXXX since XX/XX/2023. Since then I have also disputed these same items XX/XX/XXXX and XX/XX/XXXX. Giving XXXX 30 days each to furnish proof of the requested item I disputed. Each time within 5 days the account just come back verified with NO PROOF of investigation and NO PROOF of late payments or even the accounts as I requested. I also reached out to XXXX in regards to bankruptcies that are on my credit profile. XXXX said they are only showing XXXX XXXX XXXX  and XXXX is showing 3 bankruptcies. While my XXXX is not showing any bankruptcies. Also the XXXX account is showing as a charge off with a credit limit which is a reporting violation. The XXXX and Self account are showing late payments in which I asked for proof of late payments SEVERAL TIMES and have not gotten it. I am requesting that these bankruptcies, the XXXX, XXXX XXXX, XXXX and XXXX XXXX accounts are removed from my credit report ASAP as they have had over 60 days to complete their investigation and furnish proof.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccuracy on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing an evidence of a throughly investigation. This practice violates the Fair Credit Reporting Act ( FCRA )
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received my Trans union credit report and XXXX XXXX XXXX # XXXXis inaccurate and incomplete. I also have a fraud alert on my consumer report, so my information should not have been given to another debt collector during that time. Which go against the Fraud alert law. There is not a payment history at all on my report for this creditor. I did not give this creditor any type of permission to have my information in anyway. No documentation will show otherwise. I did not sign any documents and or they do not have any evidence of my state id or any other type of other forms verifying my information. This is tremendously affecting my consumer report and score. I recently put in a dispute letter on XX/XX/XXXX for this account to be removed immediately. This creditor stated they are keeping this account on my file with the inaccuracies. I demand this account to be removed immediately. SECOND ATTEMPT. 


I have rights for my consumer report to be fully completed and accurate through all three bureaus in regards to FCRA. 

According to this law CRAs must maintain reasonable procedures to ensure the maximum possible accuracy of the information contained within a consumers report. 

Creditor goes against the FACT ACT, which contains seven major titles one of them being Enhancing the Accuracy of Consumer Report Information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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.