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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} ; XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX - closed account XX/XX/XXXX Experian - open account original balance - {$7200.00} past due {$9200.00} - date open XXXX status update XXXX XXXX balance updated XXXX - XX/XX/XXXX the account was removed then added without proper notice of within 5 days of a reinsertion letter according to FDCPA and my credit account reported it 100 % paid off and on time XXXX - original balance - {$7200.00} past due {$9200.00} - date open XXXX status update XXXX XXXX balance updated XXXX Reporting illegal transaction history. 

Experian & XXXX are saying they validated my consumer report with creditor when FDCPA 15 usc 1681 ( A ) 2 ( E ) - investigative consumer report must be obtained through neighbors ALL of these are also violations of The Privacy Act of 1974
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : I received an email notification today regarding the following companies running mu credit, I have not applied for credit with anyone : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IDENTITY THEFT is defined as the illegal use of someones personal information ( such as a social security number ) especially to obtain money or credit. 
Please take note that this is a second request for items that do not belong on my consumer report. Note, according to 15 U.S.C. 1681 ( a ) ( 6 ) ( B ) ( III ) by federal law via request of the consumer, a description of the procedure used to determine the completeness of the information, including the business name and address of a furnisher contacted in connection with such information and the telephone number of the furnisher. 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.

You have not provided me with a copy of ANY hard copy documentation showing that you have verified these accounts. Under Section 61 ( 5 ) ( A ) ( I ) of the FCRA -- - you are required to Delete all information that can not be verified. 
The law is very clear as to civil liability and the remedy available to me for neglect per section ( 617 ) if you fail to comply. I am a litigation consumer and fully intend to pursue litigation matters to enforce my rights under the FCRA. 

Respectfully submitted, XXXX XXXX XXXX
Product: Checking or savings account

Years ago I opened a Citibank savings account online then forgot about it. 
Recently my fianc and I went to open Citi accounts and my fianc was able to open the account with no issues. 

I was told to call in and they were unable to help me so I went to a branch. I was told by the manager that there were no active accounts and that she was opening the account for me. There were few technical glitches but she was able to give me a temporary card and I was able to go to the atm to fund my account.

Here it is weeks later and I still havent receive my debit card. I also notice I dont have the same features as my fianc. I cant send money and I still cant add my card to my wallet. Ive called in several times and keep being told my card was shipped on XX/XX/XXXX and to wait 3-5 business days.. each time I call. 

I also dont understand why I have a monthly fee and my fianc does NOT. Something strange is going on with this account and it needs to be handled immediately.
Product: Debt collection

Debt Collector is : Portfolio Recovery Assoc, XXXX XXXX XXXX, XXXX, Va XXXX. Received notification of debt XX/XX/2020. Sent Debt Validation Letter ( Copy retained with proof of mailing ) XX/XX/2020. No response. Sent removal of negative XXXX information request on XX/XX/2020. No response. Still on credit report. I also suspect debt is past statute of limitations for collections. Please help.
Product: Checking or savings account

This is my second attempt- I was denied as XXXX was the company in question, but my bank has completed their 90 + day review and denied my claim, stating that it was a valid charge. I'm here to say that it was fraud pure and simple. 
My original message from XX/XX/year> is below. The purchase was on my Ally Debit Card ending in XXXX. There were two names on the XXXX account in separate episodes, which is very suspicious. Please review this claim and let me know when completed. Thank You! 

XXXX XXXX Someone on a fan page on XXXX offered me " Meet and Greet '' passes for a show on XX/XX/year>. It was for a show that evening and would have been a real thrill. I was sucked into a Con Game. I was foolish in providing {$65.00} of my funds through the XXXX XXXX XXXX  option through XXXX. This was very wise because XXXX will not refund any dispute when sending money that way. : -/ I provided my email address to this person but all communication was through XXXX XXXX XXXX I do not know why I didn't see a " red flag '' but I was suckered in because it was too good to be true! Anyway since I was unable to get any assistance from XXXX I went to my bank and they have denied my claim because they stated that the transaction was authorized. This is not the case. I have no way of proving this was fraud, that is how good they were at ripping people off! As soon as they had the funds, they disappeared! When I tried to send a message to " XXXX XXXX '' who was the recipient on XXXX, I received a message saying I couldn't send a message to this person. The name on the transaction is " XXXX XXXX ''! This was fraud and I need my money back. What else can I do??
Product: Checking or savings account

I am having trouble since XX/XX/2020 getting my overpayment on my account refunded to me. I have been in touch with them 12 times and each time they state that the check was mailed so they would put a stop payment on the account and reissue. To date I have not received anything. The amount is {$230.00} and I do not believe they EVER sent checks ... how can 12 checks disappear. My new case # XXXX. The bank is Barclays Bank Delaware. I would appreciate anything you could do for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX : I checked my Equifax credit report and found there was a hard inquiry from a company I did not recognize for an inquiry I did not authorize or ask for. This was from " XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX '' The hard inquiry was made on XX/XX/XXXX. 

I made a dispute with Equifax. About this inquiry. 

On XX/XX/XXXX : I received a letter from Equifax saying this hard inquiry was valid, and to contact the company to figure out why. So I did some XXXX  and found out that this company is a scam. Many XXXX  reviews say that this same thing has happened to them and that Equifax can not remove the hard inquiry. 

On XX/XX/XXXX. 
I tried to call them several times including The company will not answer. They do have a website and have no other way to contact them. I can not find them or get an answer to why this is on my credit.
Product: Debt collection

Credit Solutions Corp is attempting to collect and report a debt originally from XXXX XXXX. I was never notified of this debt in writing, and they failed to provide any documentation or legal validation, which violates the FDCPA ( 15 USC 1692g ( a ) ). 

More importantly, the original account included a contract clause stating that in the event of termination or job loss, the debt would be settled or forgiven. This clause was triggered, and XXXX removed the account based on this condition. 

Despite this, Credit Solutions Corp is still reporting the debt to XXXX without validating it or acknowledging the contract clause. This is a violation of the FCRA ( 1681s-2 ( b ) ), and I am requesting immediate deletion of the account from all credit bureaus and full cessation of any collection attempts. 

I am also requesting written confirmation that this account is closed, zeroed out, and will not be re-reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX are reporting inaccurate information on my XXXXXXXX XXXX XXXX XXXX XXXX  See attached info
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX with the XXXX and requested that my account be freezed and citi bank failed to honor this request, hence I have late payments being reported for 60 days while on XXXX. According to The Servicemembers Civil Relief Act of 2003 ( SCRA ) replaced the Soldiers ' and Sailors ' Civil Relief Act of 1940 deployment of more than 180 days constitutes a hardship requiring creditors to defer or freeze payment obligations of military personnel.
Product: Credit reporting or other personal consumer reports

Reporting information on a consumers credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report because my privacy rights have been violated. I am demanding the company block and remove the account from my consumer report no later than XXXX business days after such information Ive provided. Account ( XXXX XXXX XXXXXXXX, {$XXXX} )
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

The following inquiries viewed by others and me, currently listed and showing on my XXXX XXXX XXXX Report ID : XXXX is fraudulent and unauthorized inquiries : XXXX XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX  XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX XXXX XXXX, XX/XX/year>, XXXX  XXXX XXXX XXXX XXXX  XXXX, XX/XX/year>, XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Bank, XX/XX/year>, XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a unverified account on my credit report from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX this account was settled in full with the original creditor XXXX XXXX! Being a long-time customer, I have managed the account responsibly. However during that term I managed to acquire some alleged negative credit items with FICO. Eventually I look forward to the correct status of this inaccurate account and as a result your error has a negative impact on my credit rating. Will you please rescind the unverified collection account with the bureaus to assist this problem.
Product: Credit card or prepaid card

Over the past year and a half, I have been made numerous attempts to Bank of America requesting them to stop making automatic debit payments from my  checking account to my credit cards, which I was paying already every month. 

After numerous futile attempts to get them to stop, I filed a fraudulent payments complaint at Bank of America, who then closed both of my credit card accounts without any communication or contact with me, using an excuse that my limits were too high, in spite of my never making a late payment. 

The account numbers in question are a Platinum Plus XXXX/last four digits-XXXX Visa Signature/last four digits-XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : BankruptcyXXXX XXXX BankruptcyXXXX XXXX BankruptcyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Massive check fraud on XXXX  XXXX  ( XXXX years old during fraud ) by a house keeper ( and friend of the family ). From XX/XX/XXXX to XXXX XXXX for about {$61000.00}. Comically bad changing of amounts ( first checks and the sporatic checks ), completely bogus signatures ( a few ) and then pasting copies of signature ( many ) onto stolen checks. The pasting of signatures was completely obvious : ripped edge of the pasted signature on image, signature vertically offset from bottom line ( signature/ '' For '' ), signature at angles from the bottom line, etc. Yet, Bank of America did not detect this fraud for all 100 fraudulent checks. Due to Bank of America " tricked '' an elderly  customer into not including check images with the paper statements, these checks were not detected for 2 years. 

Actions : Reported to XXXX XXXX Police and investigation started ( Fraud Detective came to house ) for " Elder Abuse ( financial ) /Grand Theft ''. Police report number was given to Bank Of America. 

Reported To Bank Of America : After 3 Months, Bank of America sent Form Letter stating claim was rejected ( Quoting Uniform Commerical Code 4-406 and " Bank of America Deposit Agreement '' ).
Product: Credit reporting

Several utillitiy bills from XXXX and XXXX were on my credit report. I disputed them with the credit bureau and asked them to to furnish proof they belonged to me. Experian did not send me any proof of the invetigation results, but they refused to remove these items. I would like them all removed as I do n't feel they belong to me.
Product: Bank account or service

Last XXXX, I opened a citigold account with an promotion bonus XXXX XXXX miles. The requirement is spend {$1000.00} in the first XXXX months and made XXXX consecutive bill payment. I finish all of the requirements by XXXX. 
In XXXX, I contact with the customer service of citibank, they confirmed that I will received the bonus by XXXX XXXX, 2016. However, I did n't received any bonus miles. 
In XXXX, I contact several times with customer service of citibank, they refuse to give me the opening bonus and said there is no promotion associate with my account.
Product: Debt collection

Enhanced Recovery has reported a false {$1400.00} debt to my XXXX credit report. I have never had any relationship with the company they claim it is originally from ( XXXX XXXX ). This report is false and fraudulent. They know the debt is not mine, and Enhanced Recovery is reporting it fraudulently as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported fraudulent information in reference to my credit history. State Farm Bank ( credit card ) has myself listed on the credit card as an " authorized user ''. XXXX will not recognize that the authorized user is NOT contractually responsible for the debt. The dispute # 's are as follows:XXXX and XXXX.
Product: Checking or savings account

On XX/XX/2022 out of the blue, I received letters ( attached ) from Bank of America ( BOA ) stating they were closing my accounts due to " my risk profile no longer aligns with the ban 's risk tolerance ''. 
No prior contact with the bank was received by us to alert me of this or why, even though we have been a BOA customer for XXXX and never had any issues. 
After receiving the letters we went to our local BOA branch to find out why this was occurring. 
They stated they could not tell us why and to call the main BOA number. 
We called as instructed and spoke to a representative who also told us they could not tell us why and to call XXXX XXXX a credit reporting company they had listed with the BOA letters. 
We then called them and spoke with a representative who said we would have to request a report which should tell us why. 
We received the report, but it still gave no reasons why the action was taken other than a cryptic key factors note stating : " The status of the relationship with the inquiring bank '' and " The consumer 's transaction activity over the last 30 days is out of pattern when compared to the prior 180 days '' Obviously this does not answer the question specifically as what triggered this cancellation. To my knowledge we had no out of pattern transaction activity. 
So I am looking for your bureau to help me in finding all the background as to why BOA made the decision to cancel all my accounts. I feel I certainly that I am entitled to know the background facts as to why they did this to our accounts. 
Hope you can help.
Product: Credit card

Just wanted to provide some feedback in terms of my frustrating service calls with CITI. I tried to pay for my school tuition on XXXX XX/XX/2023, however it was flagged by fraud team. That's great, awesome protection. I then responded to text to allow purchase and tried to reprocess, but to no avail. I then called in to have restrictions removed. I called in and verified my account via my cell phone number. We dropped from call and she called me back with no issues. I spent close to 30 minutes working with them CITI associate to try reprocessing over and over. She finally said try again in an hour. She also had me clear cache in browser, which I knew wouldn't work but appeased her anyway. I then tried on my cell phone instead of a browser and same outcome. So I finally just paid for school with another credit card. Problem solved until the morning of XXXX XX/XX/2023 when I signed into CITI XXXX app and it said I needed to call in for support. I called in and couldn't verify my identity. I talked with an account supervisor and she the only way left to verify my account would be letter sent to my house. Unfortunately, I can't wait 3 days because I have a college student across the country needing to utilize the card for books, food, etc. Verification by mail in 2023 is assinine. I called in again and same thing. They also wanted to verify with my home landline. One again this is 2023. Several people said that I would be called back, but I have yet to hear anything. I then tried to file a complaint. You can't send an email. You can go through chat bot. You have to send in a letter! Are you serious ... in 2023? This is the poorest customer service that I have ever experienced. There is literally no way for me to verify my own identity. Time after time all they did was try to get me off the phone. I asked for my call to be escalated. I asked to talk to a manager or a VP, but they all told me to wait on letter. That is just unacceptable. So basically, due to no fault of mine own, I've been locked out of my account with no possible way for me, my wife or daughter to use our card. I think all recordings should be reviewed. CITI has no interest in providing customer service to their loyal customers.
Product: Credit card

My wife has a credit card account with Citibank. Citibank is reporting to the credit bureaus as if this account is a joint account and reporting it as my debt also. I have never agreed to pay this debt. I did not apply for this account. My wife has called and demanded they remove me multiple times. They remove me then shortly after that, they report the account to the credit bureaus as a joint account again. They continuously say they wo n't speak to me since it is n't my account, but report it against my credit report. They have told my wife multiple times that this is " their policy ''. I do not think their " policy '' is allowed to supersede the law. I want it removed from my name permanently.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Crddit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the trans action was authorized, I was charged fees due to lagged charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.