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

XX/XX/2017 I have tried both online and over the phone to freeze my credit records ( for days ).  In both cases with XXXX and TransUnion the response has been " not available at this time '', " check back later ''. Experts are now advising to freeze your credit files to avoid identity theft. You need to check this out for yourself. Have been successful with XXXX  over the phone, however, their was a {$10.00} charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The XXXX, XXXX and TransUnion If failed to identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT.

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Product: Debt collection

I have made several attempts to get the information and verification of an account with I.C SYSTEM, INC. with half the account number XXXX ( which is odd the whole account number is not listed, so how do you put that on my credit report ) verified that has been reporting to my credit report over the past 4 months. I have mailed several letters to the company, certified with return. The company refuses to send me the contract or any information on the account bearing my signature which is required by law, so I can compare that account towards my records, because I have no knowledge of the account. I have tried several times to dispute the account with all 3 major credit bureaus, and there not doing the investigation at all, there simply lying about doing that part. I would like a full investigation into the wrong doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion within my report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Checking or savings account

To whom it may concern ; This is a complaint with Citibank for an account closure, a complaint was filed with Citibank under Reference Number : XXXX about my account ending in XXXX and the corresponding card number ending in XXXX. The account holder 's name is ( myself ) XXXX XXXX XXXX XXXX, and I am the only individual on the account. 

On XX/XX/XXXX, I opened a savings account and deposited funds shortly after. On XX/XX/XXXX, I was notified via a third party that there was an issue with my account. Timeline of events : XXXX XXXX, 2023 : Notification that my Citibank Account successfully opened. 
XXXX XXXX, 2023 : Transfer of {$100000.00} from XXXX XXXX XXXX account from family inheritance XXXX XXXX, 2023 : Transfer of {$250.00} completed from XXXXXXXX XXXX ( managed by XXXX XXXX XXXX XXXX via Trace ID XXXX XXXX XXXX, 2023 : Two ( 2 ) Cath Withdrawal Transactions at Citibank Authorized XXXX  ATM located in XXXXXXXX XXXX XXXX MA XXXX Each for {$400.00} for a total of {$800.00} Cash Withdrawal. 
XXXX XXXX, 2023 : Authorized XXXX Access using transactional deposits. 
XXXX XXXX, 2023 : Authorized transfer of {$1500.00} to XXXX XXXX via XXXX XXXX 
XXXX XXXX, 2023 : Received an e-mail from XXXX indicating that the transaction was rejected by Citibank due to the Citi Savings Account being frozen. 
XXXX XXXX, 2023 : Called Customer Support at Citibank and was only then notified of the referral to close the Savings Account. 

Currently, I have no access to close to {$100000.00} ( approximately {$98000.00} according to my last account review ). Access to the account has bee revoked by the bank and they claim to be submitting a check via USPS within 30 to 60 days. 

I would like to indicate that I received no indication or notification from Citibank at any point that there was any risk to my account maintaining good standing. 

There are multiple means of communication available to the bank, and none were exercised. Were it not for the email from XXXX and my subsequent calls, there would be no means for me to know that my account was pending closure ; to date, I have not received any emails, text messages, calls, or letters in the mail indicating that this is the case. All of the transactions are valid, using Citi an authorized ATM ( found via their banking application ), and standard modern technology in the form of XXXX  to transfer funds between individuals. Furthermore, XXXX, has added security when submitting funds that require the sender to verify the recipient by entering their phone number as well as their User ID. It is worth noting that the XXXX recipient is our wedding photographer, and the transaction was to purchase our wedding album using an account that my wife does not currently have access to so that I could surprise her with it as a gift for the holidays. 

None of the actions taken by the bank are deemed acceptable as to date and to reiterate, I have no knowledge as to why my account has been frozen and is pending closure.
Product: Credit reporting

The verifiable credit information choices to verify my identity, with Equifax, is all wrong. None of the choices pertain to me and I can not get my online credit report with them that I am allowed and owed.
Product: Checking or savings account

XX/XX/21, transacted to send money through XXXX internationally in the amount of XXXX, the funds are available but Citi Bank, keeps declining my transactions and also with other merchants like XXXX.
Product: Debt collection

SOMEONE USED MY INFORMATION TO OPEN THE FOLLOWING ACCOUNTS FRAUDULENTLY : SXXXX XXXX. XXXX XXXX OPENED : XX/XX/2020 AMT. XXXX XXXX XXXX  XXXX XXXX OPENED : XX/XX/2020 AMT. XXXX
Product: Debt collection

XXXX and associates have reported that the bill for care on XX/XX/XXXX at XXXX XXXX was not paid and reported in XX/XX/XXXX an outstanding balance of {$910.00}. I sent to XXXX my EOB showing payment. XXXX paid for this service in XX/XX/XXXX. In XX/XX/XXXX XXXX closed the debit and reopened it XXXX of XXXX. When I called they told me the Physician group XXXX XXXX IL XXXX did not receive payment and they resubmitted the complaint to XXXX XX/XX/XXXX. Unfortunately, XXXX XXXX IL XXXX has been permanently closed and therefore could not have submitted this claim. I requested for them to send me proof of my debit for this service. At the very least they have not done their due diligence. With this new claim on my credit report as of XX/XX/XXXX from an entity that is permanently closed is fraudulent. I have attached my XXXX from XXXX and a screan shot of the physician group XXXX XXXX IL XXXX reported as permanently closed and the XXXX negative reports on my credit report for the same issue of {$910.00} at XXXX with XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was approved for a personal student loan from XXXX. Under XXXX I made all on-time payments and at this time, this loan never was reported to the credit agencies as was the understanding from XXXX when XXXX took out the loan. Also, there was no indication in the loan documents that this loan was going to be reported to the credit agencies. On XX/XX/XXXX, XXXX transferred ownership of the loans to Launch Servicing due to XXXX going out of business. During this transfer, I lost track of the payment cycle as my automatic payment was canceled due to the transfer. In XX/XX/XXXX, I was informed that I missed payments and I worked with XXXX XXXX XXXX to settle the account which was now under the control of XXXX XXXX, which I was never informed of this transfer. The account was settled on XX/XX/XXXX and at this point had still not been reported to any credit agencies. In XX/XX/XXXX, after monitoring my credit, I noticed this account was now showing on my XXXX credit reports and thus had a negative effect. I have asked Launch Servicing to remove the account from its reporting and they have replied they are obligated to report it. It seems detrimental to the consumer that Launch Servicing only reported this account once it was determined to have a negative outcome. The lack of reporting also contributed to my delinquency for payments, as I used my credit report to track my outstanding loans. XXXX and Launch Servicing did not report this account for 20 months and it only was reported when it had a negative effect on my credit. Also when reported, Launch Servicing put the date of closing as XX/XX/XXXX and XX/XX/XXXX and not the date when the account was settled and paid off. This business seems very predatory in that it seems to only make reports to credit agencies when it is detrimental to the consumer.
Product: Debt collection

Sent a bill to a collection agency when the bill was paid in full and refused o provide copies of the supporting document sent to credit collection agency which ended up on my credit file
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX TX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

A tow truck driver beat on my door so hard it broke and opened. I came to the door and he screamed wheres his car, I demanded he get off my property while I called police for him destroying my property. He sat outside in my driveway with police Type lights blaring close to midnight while all my neighbors had to work the next morning breaching the peace and I didnt even have the car he was searching for. When the police turned down my street he shut his lights off and drove away fast after sitting outside harassing me a single XXXX   women dir 30 minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has claimed that there is no erroneous reporting. This is a false claim to the previous complaint to XXXX to report it to the CFPB when, in fact, the reporting is still erroneous contrary to their claim, see attached this is causing hardship, and this company will be liable for any irreparable damage caused to myself or my company.
Product: Vehicle loan or lease

Dear Sir/ Madam My wife XXXX XXXX and I went to XXXX XXXXXXXX XXXX XX/XX/XXXX to lease a car. 
XXXX XXXX XXXX, a quite tan XXXX Bank XXXX Sales salesman, took a different Vender XXXX. Our lease agreement for a XXXX XXXX XXXX XXXX in the sum of {$30000.00} ( {$27000.00} + Acquisition fee {$790.00} + Sale Tax {$1600.00} ) was signed by us. In addition, XXXX valued our old car, a XXXX XXXX XXXX, at {$1500.00}. Total cost : {$32000.00}. 

Our lease was Highest interest rate 4.32 % and rather than XXXX years they signed XXXX years lease. We signed the documents without read clearly and we turst them. XXXX and XXXX RIPED US. 
Now we have XXXX month left to payoff the our car. Now we have to pay another XXXX Fusion Auto Finance. 

Their lease buyout XXXX was hired by us. However, their payoff letter said that the XXXX XXXXXXXX XXXX was {$1400.00} ( which we paid on XX/XX/XXXX ) and that the current payoff amount was {$16000.00}. ( According to a statement from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, our payoff amount should be {$14000.00}. ) They're crooks, liars, and swindlers. 
We urge the AG 's Frauds Unit to investigate this situation and bring us justice for the rip-offs and money we've lost. 

We urge the CFPB Frauds Unit to investigate this situation and bring us justice for the rip-offs and money we've lost. 
We want to pay off the car, but it must be done in a fair and reasonable Amount. 

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

Equifax and XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Product: Credit card

On XX/XX/XXXX I paid my balance in full for a Citi Diamond Preferred Card ending in XXXX. I called the customer service line and spoke with a representative to request the account be closed. The representative tried to persuade me to leave it open because it doesnt hurt to leave it open and further tried to persuade me to transfer balance to the account. I ended the call and promptly called back to speak with a new representative. The representative during my second call confirmed the account was closed. He provided a confirmation number that I no longer have. On XX/XX/XXXX I opened my mobile app to find I had been flagged with a late payment. On XX/XX/XXXX the account had been charged interest on purchase made prior to XX/XX/XXXX, and later a minimum charge fee had been issued. If I had been instructed that the account would remain open I would have managed it in an ongoing fashion, as I had done the previous XXXX years the account was open. The representative gave me no indication that the account would remain open or further payment would be necessary. I find this to be unfair and deceptive practice having been instructed the account was closed and not given clear process information when prompted.
Product: Credit reporting or other personal consumer reports

TODAYS XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX po box XXXX XXXX, Texas XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which XXXX sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit card or prepaid card

XXXX XXXX/syncb XXXX XXXX XXXX XXXX, Fl. XXXX first after applying for what was suppose be a XXXX pay pal extra earning 2 % interest points for purchases anywhere.. the company sent me instead late fees and no interests for purchases on late mailed paper statement.. i phoned their only customer phone support provided on credit card and statement,, the auto directory was too long for wait and took hours to finally speak to complain about the issue,, which was after suppose to have been resolved according to the full payment minus the late fees and penalties associated and what was agreed would be deducted from the total due.. in which turned out not to be the case as they have continued to send me late fee charges after the fact the representatives were suppose to have waived the extra penalty fees.. note..this bank only phone support connects to ( customer support connects outside USA not in USA ) now they harass me both text phone and by mail.. i want to file a complaint and warn others of this scandal PayPal MasterCard extras scandal,, i terminated the account but they wo n't and continue harassing me.
Product: Debt collection

I.C SYSTEMS HAS AN ACCOUNT ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE
Product: Debt collection

We lived in an apartment on XXXX XXXX XXXX in XXXX AZ for nine months while we were having our new home build at XXXX XXXX XXXX XXXX in XXXX AZ, we had XXXX this whole time and had XXXX move our service to our new home .I have been paying XXXX continued paying them each and every month sence we moved into our new home. XXXX XXXX of this month I found out that XXXX has been sending a closing bill to my old address, and because I never received this bill they turned me into collections for the sum of {$110.00}. It took me XXXX ours and talking to XXXX different people on hold between each XXXX of them before I got to the basis of this problem. They admitted that this was there fault but that I would have to pay the collection agency. So I called them and paid them over the phone in full. I have called several times to get this collection closed. XXXX has been very rude to me on the phone because I have demanded an apology letter from them and to close out the collection on my credit report. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$62.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX Balance : {$9200.00} XXXX XXXX Balance : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with XXXX and XXXX since XX/XX/2017 in regards to removing unverified information on my credit report. 
As you can see with the XXXX letter attached they have removed the bankruptcy off of the report because it is not verifiable. With that said XXXX and XXXX needs to remove this Bankruptcy ASAP due to the fact I been dealing with this since XX/XX/2017 with numerous dispute letters and also prior disputes with CFPB. 
See below : Well I took it upon myself to write to the XXXX   and XXXX Bankruptcy court on XX/XX/17 asking if XXXX  and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/17 I received a letter back from the XXXX Bankruptcy court stating that they DO NOT verify information. I sent this letter to XXXX and to the additional credit bureau 's asking them to remove the information off of my credit report. XXXX sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. XXXX never verified the information and they do not want to do there job as to removing inaccurate information.