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

On Saturday XX/XX/ at XXXX XXXX, I deposited {$500.00} ( XXXX {$100.00} bills ) into my Citibank checking account ending XXXX at the ATM of their branch on XXXX XXXX XXXX, XXXX, CA XXXX. 

The ATM all of a sudden ended the transaction, gave me my debit card back and nothing was on the ATM screen anymore. All happened after the machine swallowed my Cash and nothing got deposited into my account ( Nothing is showing to this date ). 

I immediately called the number on the back of my debit card 7 minutes later and reported the incident. The representative told me that my money would show up imminently on my account and opened up a case ( Case ID # XXXX ) but four days later and my money is still missing. The representative over the phone sounded very incompetent and barely could speak English. 

The ATM had two security cameras above it which can confirm what happened easily, however Citibank is unresponsive and unhelpful. This is clear theft being done by Citibank. I don't know what to do anymore. 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help with a dispute that I submitted on XX/XX/2022 with XXXX, Equifax, and XXXX. I haven't received any response as of yet. I need them to be held responsible for investigating my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again I am opening a complaint against Equifax, since the XXXX closed my last one without a single thing being fixed. 
Equifax has been injecting errors into my reports and their responses for XXXX  months. 
Every time I have worked to correct those errors, they have made excessive soft pulls on my credit report, as a way to punish me for trying to fix their errors that they injected. 

My former complaint : COMPLAINT ID : XXXX was not resolved in any way whatsoever. They are sending letters to me by addressing me with the WRONG NAME on their address labels, and the WRONG NAME on their greeting. They have not fixed this whatsoever. I had also specifically requested that they not make any pulls on my credit score, and remove the excessive pulls they had made without fixing their errors. They ignored both. They pulled my credit again and they have not removed the excessive pulls they made before - meaning more than XXXX pulls on my credit in the last XXXX months, sometimes XXXX  TIMES PER DAY, often XXXX TIMES PER DAY, and/or at least once per day for consecutive days. 
I have photos to share of all these issues, if you provide a way to share them. 
I also attached photos to my XXXX complaint against them, but they ignored everything I was saying and just tried to close both complaints, which simply won't work. 
I will continue to escalate and confront this until it is fixed. 
XXXX needs to grasp that Equifax is injecting errors into consumers reports and not fixing them, but instead penalizing the consumer for confronting their mistakes by making excessive pulls on the consumer 's credit. Then they try to cross-sell the consumer to pay them money to get their credit report fixed " faster '' - which is tantamount to a business model based on holding someone's credit XXXX and demanding a ransom. 
It is not acceptable to me that I made a complaint with XXXX  and the entire thing wasn't remedied even slightly. These are not minor mistakes - my name is not a matter of opinion. It must be corrected. And Equifax should not be allowed to make excessive pulls on a consumer 's credit without fixing a single thing for XXXX months. It is both an issue of taking way more than XXXX days to fix something, and also not fixing the consumer 's issue all. 

PLEASE DO NOT CLOSE THIS COMPLAINT UNTIL I HAVE CONFIRMED IT IS ACTUALLY FIXED.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 


3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I got this loan to pay for school in 2021 paid this account off way before the time it needed to be paid off. Its showing I have late payments and marking the closed paid off account as a derogatory, which is hurting my credit and my chances to buy a home. I have requested them many times to remove the derogatory marks that I was never aware of and as well as delete the accounts off my credit report. Ive 2 accounts with them 1 personal loan and 1 auto loan and because of them Im not able to get a good apr on a house Im willing to buy. Please have them delete both of the accounts on my credit report or have them remove all the derogatory delinquency mark off of my credit report. Thank you, I need to updated as soon as possible as Im bout to finish my lease and almost finalizing a mortgage.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX  Balance Owed : {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

About a week ago I saw my credit score had reduced. Transunion shows this hard inquiry fromXXXX XXXX who service some types of XXXX credit cards : Name : XXXX Requested on : XX/XX/2023 Location : XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type : Individual I haven't requested credit cards in years, and have not made any new requests. I didn't make this one. I called XXXXXXXX XXXX who confirmed that they have NO data at all for my name, phone number, or SSN, and have nothing that can confirm I ever made a request. They declined to provide any written confirmation of this fact. 

I then called Transunion, who claims that is impossible, and that if the hard inquiry exists, it was from XXXXXXXX XXXX systems. The rep straight-up said XXXXXXXX XXXX  is lying about this. This alone puts it well out of anything I could deal with myself. 

I even got an email, supposedly from XXXX, about the " status '' of my " request ''. It was this that made me call them, and they said no such request exists. Yet there is the hard inquiry, which XXXX says absolutely did come from them. Here 's the main part of that email : -- -- -- -- -- -- -- -- -- -- -- -- -- Your XXXX XXXX online credit request. 


Hi XXXX, Thank you for your recent XXXX XXXX credit request. Please click the link below to view our response to your credit request via our secure site. 
View Details Reference Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX None of this could be verified in my call to XXXXXXXX XXXX They insisted there is absolutely nothing in systems about this.Again, XXXX says that if there's a hard inquire from them, then they DID make it, and they should have records.
Product: Credit reporting, credit repair services, or other personal consumer reports

An IRS Tax lien was withdrawn on  XXXX / XXXX /   2017  and after filing multiple dispute with Equifax the lien record has not been deleted from my personal credit report. The status was only changed to " Released '' which is not accurate. I demand that the entry be removed as it has been in all other credit reporting agencies. I am aware of numerous complaints for the same issue against Equifax.
Product: Debt collection

I did not take this loan out!! I tried to work it out with them and they threatened to take me to jail over something that is not mine
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Charge-Off Reporting Account Number : XXXX Dear Sir/Madam, I am writing to dispute the inaccurate reporting of a charge-off account on my credit reports with XXXX, XXXX, and Equifax. The details of the account are as follows : Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Unsecured Status : Charge Off, {$540.00} Balance Past Due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Accuracy of Reporting ( Section 623 ) Under Section 623 of the Fair Credit Reporting Act ( FCRA ), creditors and debt collectors are required to report accurate and complete information to credit reporting agencies. This account was charged off in XX/XX/XXXX. However, the balance due is still being updated to {$540.00} as of XX/XX/XXXX, which indicates inaccurate reporting. The account status has been incorrectly updated with an outstanding balance, despite the charge-off status. 

Duty to Update ( Section 623 ) According to Section 623 ( a ) ( 2 ) of the FCRA, creditors must correct any inaccuracies or incomplete information. If an account is charged off, it should be reported as such and not updated with ongoing balances. The account has been reported as a charge-off multiple times, but it still shows a balance due, suggesting that the account status is not accurately maintained.

Information Retention ( Section 605 ) Under Section 605 of the FCRA, negative information such as charge-offs can remain on a credit report for up to seven years from the date of the original delinquency. However, once charged off, the account should no longer show an ongoing balance. This account continues to show a balance, which is not in compliance with the FCRAs reporting requirements. 

Dispute Process ( Section 611 ) I am exercising my right under Section 611 of the FCRA to dispute the inaccurate information reported. I request that you investigate this matter and correct the inaccuracies on my credit report. The continued reporting of this charge-off with an outstanding balance constitutes a misuse of my credit report and a violation of multiple FCRA regulations. 

Please remove the incorrect balance from my credit report and update the account status to reflect the correct charge-off information. I expect a prompt resolution to this matter. Please confirm the correction by mail or email at the addresses listed above. 

Thank you for your immediate attention to this matter. 

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

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
Product: Debt collection

2 Collection accounts are being reported, but I was never given any type of notice of adverse action from the original creditor, nor The Best Service Company. I have notified the company with the following information : " I, XXXX XXXX, am a Consumer/Natural Person. Best Service Company, you are a debt collector identified in the Fair Debt Collection Practices Act pursuant to Title 15 USC 1692a ( 6 ). It has come to my attention and understanding that The Best Service Company has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. I demand, per title 15 USC 1692c ( c ), that you cease all further communication through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the consumer and natural person, via MAIL ONLY. "
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying accounts recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a dispute letter to XXXX XXXX XX/XX/XXXX and they received the dispute XX/XX/2023 I asked of them to foster any information that can not be property verified due to me being a victim of identity theft also with the request a police report and identity affidavit was sent along with my identification, I recourses a letter from XXXX XXXX XXXX XXXX starting that the accounts came back verified and accurate when how so if they did not send any proof of how they validated any debt anything from the original debt collect or a valid signature. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts vou post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX  XXXX AXXXX 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

XXXX XXXX works with hospitals to read XXXX. Unfortunately they also bill the patients separately and do not run Patient insurance. Therefore every patient Supposedly gets a bill in the mail. The bills have no date of service and no identifying information. The only reason I know All of this is because I have Spent months trying to resolve this with their collection agency. When you call the collection agency they dont care at all that this is happening and keep referring you back to the number that goes to voicemail. All I need them to do is submit the claim through my health insurance. When you call the number they have listed it goes to voicemail 24-7. No one ever answers the phone. 

When I first received a bill for this I sent the form back with my insurance information on it and ask them to run it through my insurance. They did not. When I got the information from the collection agency, I left A message and someone took down my information and said they would file it. They do not file it. They just keep sending you bills that threaten to report you to a collection agency. 

XXXX XXXX XXXX XXXX  and see there are 70 XXXX  reviews from people caught up in the same loop that I am.
Product: Credit reporting or other personal consumer reports

I noticed there are multiple accounts on my report that I dont recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have fully investigated my rights in this matter. Under the doctrine of XXXX XXXX XXXX XXXXXXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law.
Product: Debt collection

Early in XX/XX/XXXX ( XXXX or XXXX. ) i received a call from Credit Protection Association, based in XXXX Texas. The agent informed me it was a debt collector and the call was in regards to a utility bill from New York for {$800.00}. I explained I never lived in NY. He asked if my last four of SSN was XXXX. I said no. I noticed in XX/XX/XXXX my XXXX  went to XXXX after many years at a high of XXXX the debt got posted on my credit report. XXXX XXXX XXXX wrote on my behalf and in XX/XX/XXXX my score went back to XXXX and the debt was removed. Now on XX/XX/XXXX XX/XX/XXXXXXXX XXXX a debt collector out of XXXX XXXX MN has the account and posted the debt on XX/XX/XXXX. Again my score is XXXX. I have explained this to them and now my SSN is attached to it. Someone along the way has changed the SSN.I have talked with XX/XX/XXXXXXXXXX/XX/XXXX XXXX they can't tele how account was opened, they can't tell me if they did a credit check like most utilities. XXXX XXXX XXXX can not give me details of the debt, just the amount. I do not owe this, and I have never lived in NY. XXXX XXXX has never initiated a calll to me and has never communicated that they intended to post on my credit report.
Product: Credit reporting or other personal consumer reports

I'm writing to convey my uneasiness concerning the challenged records on my credit report. On different events, I have raised the issue of missteps in these records, and have dependably referenced that they be totally analyzed. Despite my undertakings, I as of now really can't get any objective or helpful movement. These mixed up records are genuinely hurting my credit archive and obstructing my ability to continue with a conventional life. The unfavorable results of these blunders have caused huge hardships for me, and I'm left with no choice aside from to contend for your assistance with changing what's going on rapidly. I tolerantly request that you lead a thorough assessment concerning the noteworthy of all of these challenged records. It is fundamental that the indispensable advances are taken to invigorate and change my credit report immediately. With your help, I want to restore the precision and decency of my credit record so I could recover control over my money related thriving. I really urge you to offer this matter your most outrageous thought and take a fast action. Your joint effort and moving in settling this issue speedily would be immensely significant. Thankful to you early on for your understanding and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to reinvestigate a HIPPA violation on my report I have asked several times and they have refused to investigate XXXX XXXX which has access to my private health information without my knowledge or permission. Please reinvestigate this serious offense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to violate my rights per the FCRA. ( 1 ) When I log into myequifax.com account It displays in accurate information? It shows my credit score as a XXXX and its a XXXX. This has been going on for several months now. I have contacted Equifax and they act oblivious like they have no knowledge of this. Now when I call Equifax. Now ( 2 ) They have blocked me as I enter 100 % accurate account information in order to speak to a representative they state they I am not and cant be helped at this time. I am attaching screenshots from my account to prove what Im saying is true. Equifax is committing fraud am by charging me {$4.00} per month for a service they refuse to give me access to. At this time I am asking Equifax to immediately correct the situation and or or pay me {$3000.00} for each each violation mentioned or I will file a lawsuit for each violation, fraud, and damages. I have a right to access my credit report, I have a right to have 100 % accurate information being reported and they are not meeting the requirements per the FCRA
Product: Credit card or prepaid card

I received a letter fro m CITI sta ting that they are refunding from an add on that I did n't order. The letter states to go to and submit a claim for refund. A reference number was provided. But when i went to that website it says " website can not be found ''.   Is this a scam? I  XXXX  and saw that  in 2015 Citi wa s found to have to refund  XXXX , but this is the first I 've heard of this and obviously ca n't do anything about it.