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

I'm seriously at a loss for words when it comes to the way citizens bank handles loyal customers. I've noticed a few months ago when my accounts have been hacked due to issues with my phone and digital wallets, that anytime l 've had to call to file a dispute or call to see what was going on with prior disputes-the way I've been treated and spoken to by customer service is not acceptable! In the past 2 weeks or so, I've filed 4 fraud disputes with citizens bank. 
There were 4 due to the fact that I didn't wait for each and every charge the was pending to post before filing just one dispute. 2 of them were filed on XX/XX/XXXX both totaling {$5000.00} which bacially drained my account in itself. One was filed on XX/XX/XXXX in the amount of {$850.00} and another was on XX/XX/XXXX in the amount of {$1200.00}. I was told by numerous customer service reps that a provisional credit would be applied to my account-due to the transactions being fraudulent and also draining my entire account. I waited several days which has now turned into weeks for the money to be put back into my account, which it hasn't. I received a letter in the mail a few days ago stating that due to me filing fraud disputes, citizens bank was gon na close my account? I'm not even sure how this is even ethical considering how citizens bank stands behind its Zero Liability Protection Policy. When I found out that the claims dept of citizens bank was denying my fraud claims, I was told by XXXX, who works for the office of the chairman and who answers XXXX complaints, that the reasoning they gave to deny my claims was because I gave a company a selfie pic and copy of my ID a long time ago to verify it was me-a company that had absolutely nothing to do with the charges I had filed these claims for! PLEASE explain to me how this makes any sense? So basically your closing an acct that's been open for years a denying claims and not refunding my $ for absolutely no reason?
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my lease with Ally, and the mileage fees on time. I made my last payment on XX/XX/XXXX. However I was reported late for XXXX erroneously on XXXX only. XXXX and XXXX were reported properly. I have contacted Ally since XX/XX/XXXX over a dozen times concerning correcting their error. I have disputed the error with XXXX, and have asked Ally for my payment history and for account statements proving I was never late, but they refuse to cooperate. They are a corrupt financial organization. They sent me a document dated XX/XX/XXXX that the account was paid in full. This is proof that XXXX wasn't late. I have been denied credit as I sought a place for myself and my XXXX year old to live, and my fico score dropped 60-80 points. I can't get a mortgage as I was verbally denied after my credit was examined. My online portal which allows consumers to obtain their loan documents is blocked because I mentioned an Attorney. There have been many complaints against Ally which was verified by a law firm in XXXX where Ally operates from/
Product: Debt collection

I do not recognize this company and what they are trying to sue me for. I have NEVER borrowed from this company. This " tag team '' that these collector companies use to increase the original collector acquisition date. This needs to Stop. This completely illegal practice from these debit collector companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX 30 days late in XX/XX/2020.
Product: Credit reporting

TranUnion is reporting inaccurate information in my credit file. 
The account name is XXXX XXXX Bank. I 've disputed this particular account with TransUnion and directly with the Creditor. It 's been over 45 days and I have not heard anything from original creditor. As far as TransUnion they are reporting inaccurate information. The balance should reflect XXXX because this particular account was written off by the original Creditor. Also since I directly disputed this account with TransUnion they are suppose to verify/ validate this account which they have not. According to FCRA TransUnion has 30 days in which to validate your dispute. It has to be noted in the " comment '' section which is has not. That 's a violation of the FCRA rule 601 ( XXXX ) ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is pursuant to my recent Notice of Intent to Sue, which was sent to TransUnion in XX/XX/2021. TransUnion is reporting several inaccurate items on my credit report, which I have made countless attempts to correct so far to date. Said 'Notice of Intent to Sue ' ( NIS ) specifically demanded that several disputed items be removed from my report. This came after TransUnion ignored a prior letter demanding evidence and/or documentation of the inaccurate items on my consumer report, and failed to respond. The Fair Credit Reporting Act ( FCRA ) only allows for a maximum of 30 days for a dispute to be resolved. Failing to resolve a dispute in that timeframe, and/or failing to provide requested documentation pursuant to Sect. 609 of the FCRA can result in a {$1000.00} fine per unresolved item.

As per the US Postal Service, my demand letter was picked up by TransUnion on XX/XX/2021 and the Post Office in XXXX, Pennsylvania. This began a 30 day timeframe for TransUnion to resolve my dispute. This timeframe elapsed on XX/XX/2021. As of now, TransUnion is now in violation of the FCRA and is not only legally compelled to make the corrections, but is also now liable for civil penalties associated with an FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to recent data breaches at Equifax I froze all my credit accounts with the four major credit reporting companies. I did not want to do this. I did not agree to allow my PII to be stored on servers that do not meet industry standards in security. Yet, I still have to pay {$10.00} plus tax in my state to add a layer of protection to my data due to the negligence in the safe keeping of my personal data. I do not think this is fair and would like to be reimbursed for the freeze/thaw requests that are now being advised in order to protect my identity and credit that is being stored at a company that I have no consumer choice in selecting. 

I would like a refund in the amount of {$11.00} from XXXX and {$10.00} from XXXX. I would also like to have all future freeze/thaw fees waived since they are being recommended as essential data security protection by industry experts and CFPB in light of the latest data breach. Lastly, I would like to request that credit reporting companies handling sensitive consumer data follow industry standards regarding its encryption and protection and that the chosen practices are audited regularly for compliance.
Product: Debt collection

Several Repeat voicemails from XXXX. Several Repeat phone calls from XXXX. Caller XXXX XXXX does not state what company he is with. Uses phrases like trying to locate and a complaint has been filed against your social security number. XXXX search shows this caller is from Alliance Capital XXXX XXXX This harassment need ps to stop.
Product: Debt collection

Capital one has charged off and written off amount and they keep threatening me with calls
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX under Account # XXXX This account is being illegally reported on my credit report due to inaccuracy. I requested method of verification on this account. 

How is this accurate if the term duration being reported inaccurate, date opened is inaccurate, high credit amount is inaccurate, credit limit is inaccurate, last reported date is inaccurate, & the date last active & last payment date is inaccurate, and most important my birthdate is wrong on my consumer report. 

Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. 

This listed item is entirely inaccurate and incomplete and must be deleted. 

Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 ( A ) ( 4 ) 15 U.S.C. 1681 Section 604 A Section 02 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1681b ( A ) ( 2 ) 15 U.S.C. 1681c. ( A ) ( 5 ) Section : It states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681i ( 5 ) ( A ) ( I ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting or other personal consumer reports

After looking at my credit report I noticed inquires that do not belong to me on there
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXX BANK SS XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT
Product: Debt collection

There is an collection agency call convergent outsourcing that has placed a debt in the amount of {$210.00} on my credit report for XXXX, XXXX and XXXX XXXX. It was placed on my credit report in 2019. I have reached out one time to inform them that they should not be on my credit report that bill that they placed on my account is from XXXX. That bill had been taken care of already I have the confirmation number. also, the amount that the bill worth was {$110.00} so Im really unsure as to why they were trying to get {$210.00}? Just that alone shouldve been removed from my credit report because they were reporting an illegal amount.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX L XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5600.00} XX/XX/XXXX
Product: Debt collection

On XX/XX/2023 I sent out letters regarding inaccurate and unknown things on my credit report to XXXX, XXXX, and XXXX. On XX/XX/2023 I sent a certified letters to both The Bureaus Inc and XXXX XXXX XXXX XXXX with no response from XXXX XXXX XXXX XXXX regarding this very important matter. This is effecting my credit score and how I provide for me and family. I feel like in this moment I am be taking advantage of and my concerns are being reduced to something of no importance because my disputes are being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days which means it needs to be deleted promptly. I demand these accounts to be removed immediately or I will have no other choice but to file for litigation due to the stress this has caused me and my family. My information has also been impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

Someone I know from social media that sports does sports bet had made a big win so I texted him to see what it was all about and how I could get into it. so he told me to send a certain amount of money which was {$200.00} and that if I lost he would reimburse me half the money which was {$100.00}. So I sent him {$100.00}, then when I tried to send another {$100.00} Cashapp would not let me so he told me to send it to another Cashapp, He informed me the next day that I won and it was for {$1300.00}, and it would take a few days for the money to deposit in his bank account from withdrawing it. He told me a few days later that the money would hit his account in 24 hours. Since then he stopped returning my calls and texts. All I want is my {$200.00} back.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX I applied and was approved for speedy cash XXXX loan with a women by the name of XXXX XXXX. I have emails and voice mails. I paid XXXX for the approval application and then XXXX for the taxs for the loan. The loan was promised and approved and said to be in my bank no later then the next morning and it wasn't after several phone calls and email XXXX was more then overly rude and aggravated to deal with me finally came up with XXXX XXXX unsecured put my loan on hold supposedly because in XXXX XXXX there was a pay day loan in XXXX taken out from them which is most definitely not true I've had a soft and hard credit report done and I know I never pulled a loan out till my brother passing and expenses getting behind in XX/XX/XXXX which was not through this place and name XXXX XXXX which I've never heard of or even after being approved paying money I had to borrow to get the loan inn first place I still have not received loan nor returned the money which was promised to be 60 days after it would be released. XXXX XXXX lied and was never a company set by its word nor have I been taken seriously I've sat on hold for an hour and 15 mins several times plus many different amounts of times just to be hung op on told they have no loan for me or even the place with the hold there's no actual talking to a person and I have yet to receive a call plus also been hung up on there's no loan account number nor any information besides made up stuff so I've paid money for a loan and never received the loan nor my money back ans can't seem to get any answers or feedback or money back. I have emails voicemails and all the info I wrote down as being told. So they say I pay XXXX to XXXX XXXX unsecured loans and I'll get my speedy cash loan after already paying XXXX and XXXX and no answers no loan and all but the truth and taken advantage of.
Product: Checking or savings account

I looked at my chexsystems and noticed some discrepancies dated on XX/XX/2019 in the amount of {$380.00}.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this record ( 1 ). ( A ). I'm confident the contested records is settled. XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I believe the account is invalid. RADIUS GLOBAL SOLUTIONS LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 



RADIUS GLOBAL SOLUTIONS LLC Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about the inaccurate Items. Below the listed Items that need to be update or fixed. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I obtained my XXXX XXXXXXXX XXXX XXXX credit report. There was a U.S. Bankruptcy court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) If a credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The Bankruptcy Court has mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U.S. Bankruptcy Courts confirmed XXXX XXXX has never validated or verified this public record entry on my credit report, neither will they ever be by them They further stated while they are NOT liable or responsible for any MIUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrect. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

Per the FEDERAL CREDIT REPORTING ACT, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the ORIGNAL signed consumer contract and/or judgment ( s )- all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

I have included my last letter sent to the credit agencies demanding this false inaccurate information be deleted from my consumer credit report and I have yet to hear back from them. I am herby asking that this be handled immedicably.