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

On XX/XX/2024 a replacement debit was expedited to me over night. Received new card in XXXX days. On XX/XX/2024 I called the number the activation number to activate my new card. Then was sent to the fraud security department and rudely told that I am supposed to have received a reference number via voicemail. I was never informed of this or even told I should look out for a phone call. I never received this reference number by voicemail so they offered to send it via USPS and I would have to wait 5-7 business days for this reference code in the mail. Without that they have told me over and over again that I cant be verified even after showing my IDENTIFICATION and answering all security questions correctly. It has been 20 business days as of today. My direct deposits have been processed into my frozen bank account that I have not been able to pay any of my bills or have access to any of my money and funds in my Citibank account. 
Their policies do not make any sense the customer service is disgraceful and so rude! They just keep hanging up. Please help here are a list of the numerous dates and times I have sat on the phone trying to resolve my issues and unblock my account. Rudely hung up on and wasting hours of my time I will never get back. I just want my money recovered and want to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I was sued in XX/XX/2015 by Citibank , N.A . and Won the case with prejudice. ( see attached ). since then and currently i am still getting calls and mailings from a number of collection agencies over the past 3 yrs and have stressed out about it so much that I am considering filing a law suit which would cause me enormous expense and stress. Each agency that either called or send me mail demands I responded to and it still persists even though I gave each collection agency the facts of the court case. I am XXXX yrs old and legally XXXX on a tiny fixed income. I feel the emotional abuse is and has been chronic causing me fear to open my mailbox as well as answer my phone. I have attached copy of the law suit I Won by Citibank , N.A . collectors ( I only saved two of many more mailings I have received since this law suit was filed against me in 2015. ) I feel that Citibank , N.A . need to offer me some sort of financial compensation for my emotional suffering for 3 yrs and stop this harassment and Remove this " debt '' from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I received an update from XXXX XXXX that my transuion score had dropped a new " comment '' had been added to my account. When I logged on, I noted that my credit card opened in XX/XX/XXXX and in good standing had a note that stated it had been investigated and found to be reporting correctly. I had not requested this account to be investigated, it was perfect. I reached out immediately to Trans Union and spent over 25 min on the phone with them. The representative advised he would delete the comment and it would be updated in 48 hours. I never received any update, so I reached out again on XX/XX/XXXX and got another representative. She advised she could not find that account, I then asked for a supervisor and he was very rude to me and advised that I had probably asked for the wrong thing, however the item had been completely deleted. I was blown away. I asked if they could fix it since it was an error. He advised no we can't, we can take away but not add anything, well, you added the comment on an account that was not supposed to be investigated, then you deleted my account and its my problem. the supervisor advised that I would have to reach out to the bank card company and ask them to resend it over. I asked if I could have another supervisor and he said of course, he put me in cue and no one ever came after holding over 20 minutes I had to go. I then reached out to my credit card company and was advised ma'am, we have never had that request, the bureau should take care of that ... so here I am ...
Product: Checking or savings account

I opened a savings and checking account with SOFI bank last XXXX. I live in XXXX working for the XXXX in a XXXX XXXX. 

The Bank keeps freezing my account which denies me access to the funds deposited on the account as well as use of its debit card. I can log into the account, but it gives me a message that my account is locked. This has happened 3 times in the last month already for no apparent reason. 
In order to unlock the account, I have to call the bank and then go through a procedure where I need to send take a pictureof mygovernment issuedID as well as as upload this and aselfie overunsecured communication networks. This is unacceptable as 1. the account should not be located for any reason 2. No explanation is ever given why it was and ontinuesto getlocked ( there is always enough funds ) 3. Being stationed abroad and forced to send personal information over an unsecure communication channel is ra risk. 

Once you upload the information, they then tell me it will be up to their security department to decide what needs to be done. This can take 2-3 days for them to unlock the account and give me access to my funds. It is completely unacceptable. 

I currently find myself on travel orders within XXXX and my account was once againlocked. It has been3 days since they locked itnow, I am unable to pay for my hotel or take money out of an ATM to buy food or incidentals and SOFI Bank is in no hurry to unlock my account or tell me why this continues to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, and XXXX XXXXas 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 1666B : A creditor may not treat a payment on a credit card or auto account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

TD BANK N.A has furnished bad debt on my consumer report which is ruining my reputation, and it is defamation of character. Which is a violation of 15 usc 1692d ( 1 )
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Product: Debt collection

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive a detailed statement that includes the following information : 1. The original creditors name and contact information 2. The amount of the initial debt 3. A detailed breakdown of all charges, fees, and interest added to the account 4. Any payment history, including dates and amounts paid 5. A clear explanation of how the total amount has been calculated 6. The date of the last payment made on the account Please provide this information within 30 days of receiving this letter. Failure to provide the requested information may be viewed as a violation of the FDCPA.

I appreciate your prompt attention to this matter and look forward to receiving the requested documentation. If you have any questions regarding this request, please feel free to contact me at the phone number or email address listed above.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate and Unlawfully Furnished Information on Credit Report Dear CFPB Representative, I am writing to formally dispute inaccurate and unlawfully furnished information that appears on my credit report. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  ( Also known as XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I reviewed my Equifax credit report on XX/XX/year>, and found the above items to be incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual to whom the report relates, in accordance with 15 U.S.C. 1681 ( e ) ( b ).

Furthermore, 15 U.S.C. 1681i ( 5 ) specifies that if disputed information is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, the consumer reporting agency must : ( i ) Promptly delete or modify the inaccurate or incomplete information in the consumer 's file, as appropriate.

( ii ) Notify the furnisher of the information that the information has been modified or deleted.

Additionally, under 15 U.S.C. 1681s-2, it is unlawful for a person to furnish any information to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I request that the CFPB investigate these violations and take appropriate action to ensure my rights are protected. Please delete the inaccurate and unlawfully furnished information from my credit report and notify me of the results of your investigation in writing. 

Thank you for your prompt attention to this matter. 

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

Equifax shows a consistent credit score of XXXX or above for me report. I have verified with Equifax directly and gone line by line on each item of my credit report and have the copy of the report. XXXX XXXX XXXX XXXX did a soft pull and shows my credit score from Equifax at XXXX, a XXXX point difference. A few months back, it also showed a XXXX despite me verifying everything directly with Equifax. Another lending institution pulled my credit and again, the lender got a XXXX but when I called to verify with Equifax, they show high XXXX 's. 

I can not get an answer from Equifax as to why multiple banks are pulling my score and they keep getting a XXXX when my score with them reflects XXXX or above. Equifax directs me to the banks. The banks direct me to Equifax. This has cost me money in higher interest rates, and I'm now being denied loan products because my score keeps coming back at XXXX. 

Confirmation # provided Equifax : XXXX Credit Report Identifier provided by XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is trying to collect a debt that i do not owe, and they are reporting this debt to the Consumer Reporting Agencies. XXXX XXXX XXXX has yet to provide proof that they are licensed to collect debt in the my state, Proof that they have legal right to collect this debt, meaning, they have the proper assignment of debt from the original creditor, a complete payment history, the requirement of which has been established by Spears vs Brennan, 745 N.E.2nd 862 ; 2001 Ind. App. Lexis 509, The agreement that bears the signature of the contract stating I'm the debtor agreeing to pay the creditor, Coppola vs Arrow Financial Services, 302cv577, 2002 WL 32173704 ( D. Conn., Oct 29 2002 ) - Information relating to the purchase of the debt, Provide me a breakdown of fees including how they calculated what they claim I owe. XXXX  XXXX XXXX has yet to send me any of the items mentioned. This debt is deficient of physical verifiable validation, plus this is a debt i do not owe. They are reporting this debt to all three credit bureaus which is hurting my reputation. If XXXX XXXX XXXX does not have this collection account removed from my all three of my credit reports i am prepared to go to court for violations of the Fair Debt Collection Practices Act, 15 U.S.C 1692 ( hereinafter " FDCPA '' ), which prohibits debt collectors from engaging in abusive, deceptive, and unfair practices., and file compliant with the Attorney General of my state, and file compliant with the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$28000.00} XXXX XXXX Balance : {$35000.00}
Product: Checking or savings account

I had mobile deposit a personal check from external account that was my account at another financial institution I was waiting for deposit to cover mobile deposit but it came late and didn't have funds. So BMO BANK covered amount but it was never available in my balance. 
Upon contacting bank they told me I had to speak to fraud dept. so I was transferred and they told me they had suspended account access due to possible fraud. I specifically described the situation and told them it was my personal check and account from external financial institution and what caused the situation. So they said I had to wait for investing XXXX to finish investigation and I have to wait XXXX months to get final results. Then they said my account will be closed. I asked them if I can withdraw my zelle payment they accepted even though it was suspended they said no and it's been 2 months for mistake on my part. It's a joke I never had access to the deposit even though it posted then they said they had to cover the balance.so how can it be deposited but not available and they covered the balance what a joke.
Product: Checking or savings account

Bank of America keep taking money out my account then charged me two times for things then remove things off your account there taking my money and I know it. Then have you paying XXXX maintenance fee
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card

Today, to my surprise, I received a phone message stating that I was late on my XXXX card payment, which I found odd because I have automatic payments set up through my bank account that they charge every month. When I called the XXXX representative for XXXX card tonight, she told me I had a late payment. I explained that I had automatic payments, so how was it possible? She verified that it was true I had automatic payments, but this time they didnt charge it this month, and without it being my fault, they marked a late payment. Without any fault of mine, when I realized they had marked a late payment, I had to make the payment manually and even pay a penalty. 

Because of this bank and this card, they have ruined my credit. Its XXXX of the worst banks, and this is XXXX of the worst cards. I will never use it again and will close my account ; they are abusers.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is our contention the big 3 credit reporting agencies XXXX, EQUIFAX and XXXX are knowingly or unknowingly complicit in credit defamation against me by publishing inaccurate / invalid information on my credit report. XXXX especially has been instrumental by consistently publishing inaccurate / invalid information on my credit report provided by XXXX XXXX XXXX XXXX ( XXXX ) since we closed both accounts XX/XX/XXXX. Moreover we included XXXX accounts in bankruptcy, of which XXXX did not file a claim. As such we contend that since XX/XX/XXXX each credit reporting agency XXXX, EQU XXXX XXXX have defamed our name reporting invalid /inaccurate data for which they can not prove in a court of law as factual or true. These agencies " merely " " verify '' accounts through the furnisher. Under the law, XXXX, EQUI and XXXX are required to " validate '' the accounts furnished by XXXX or delete them from my credit report. 

I have reached out to each credit reporter over the last several months, XXXX claims the accounts are true, which we find hard to fathom as fact, given the fact that the furnisher XXXX has yet to provide us true/ accurate / court admissible evidence per the FDCPA some 6 months after our written request made to XXXX XX/XX/XXXX. ( attached ) As such we contend these credit reporters are in violation of the FCRA.
Product: Checking or savings account

Dear Chase Bank, Again I have been contacted by your institution regarding an unknown account. Thank you for providing me with the requested from XX/XX/year>, however during your requested extension to further investigate and promptly following your response to close my complaint I was called ( provided voicemail ) and texted on the following dates. Wednesday XX/XX/year>, at XXXXXXXX XXXX for a code to sign on twice, Physical call and voicemail left, also XX/XX/year>, at XXXX twice and again on XX/XX/XXXX at XXXXXXXX XXXX I have concluded that unfortunately this institution is failing at the internal investigative level to identify internally what is going on, so hopefully the date and time stamps will aid you in your thorough investigation. I believe that the cease and desist for all call request is sufficient given that there is still no resolution to these phantom calls/texts about an account that I do not hold. This entire situation is very strange.
Product: Credit reporting or other personal consumer reports

To : Trans Union I write to advise you that I plan to file a lawsuit against you in the United States District Court XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Product: Vehicle loan or lease

In their attempts to collect a payment they are harassing me via my cell phone. Most recently, on XX/XX/2023, they called repeatedly while I was at work. They called at XXXX and left a voicemail. They called again minutes later at XXXX and they called again at XXXX. Back to back to back calls. It is causing mental/emotional distress to be receiving these calls like this. It feels very threatening and makes it so that I do not want to talk to them regarding my account.