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

i have submitted several letters to the Equifax, XXXX, and XXXX  to resolve these matters. i have pointed out the inaccuracies and inconsistencies and they still continue to report on my credit report. XXXX  and Equifax claims they verified the bankruptcy reporting on my account. However XXXX XXXX has deleted the item from their report, because they could not properly verify it. i have enclosed the most recent letter sent to them, and the letter from XXXX XXXX.
Product: Mortgage

so i am once again complaining, i 've done everything and provided everything as requested. all conditions have been met except one ... .my bank statements for 2 months needs an update/missing pages. there is nothing missing, i have even clearly indicated rental income and verify all the pages are correct. i am enclosing copies for you to see to make sure we are on the same page. i have make every effort to play by their rules. please step in as liason and figure out what is happening. there seems to always be something that has to be done " outside of the realm of what is consider reasonable and is required ''
Product: Credit reporting or other personal consumer reports

XXXX has dropped my XXXX XXXX XXXX points in XXXX month without any adverse impacts showing in my report. 
In addition there is an account that has an incorrect balance. Whenever I have a XXXX balance for a year or more and use even once, the balance is reported inaccurately. I have never been late on this account.
Product: Checking or savings account

I have had trouble with banking in XXXX, CA. I have banked with almost every bank in XXXX, CA. I am a XXXX XXXX American XXXX woman. I have had problems since I began banking in XXXX, CA. I had to ask my sister to become my POA to help me and ever since I can not keep a dime in the bank. I don't even receive my banking statements anymore. I have complained to the bank but I still have not received anything from my bank. I have contacted the bank but I still have not received any assistance. I barely can keep any money in the bank. I really need help. I can not get any help anywhere. I have pretty much given up! Can you help me straighten this out, Please?
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit card payment status, balance, and delinquency status have been shared with 3rd parties without my consent. 

There was an authorized user, who was removedXX/XX/2023, and balances and account status and payment status continue to be reported. This gives the prior authorized user access to my confidential financial information. This is a violation of my privacy right, and the credit reporting rights of the prior authorized user. 

XXXX has completely failed in their promise of privacy.
Product: Debt collection

Credit Collection Services is claiming that I owe a debt of {$330.00} from XXXX. I have no knowledge of this account. I have contacted Credit Collection Services multiple times asking that they send me verification that I owe this debt. They have not been able to provide me with verification or validation that I owe any debt to them. 

I have also contacted XXXX to dispute this debt and have it removed from my account. XXXX has not removed the account but instead allowed the collection company to continually update the balance date every time I dispute instead of requiring them to remove the debt from my account. 

This process has been very frustrating and I do not feel that XXXX is doing anything to help me as the consumer in this case. It seems more like they are working on behalf of the collection company instead of me, the consumer.
Product: Debt collection

Carmichael and frost sent out a huge email blast to complete strangers notifying a debt that has my parents name. A police report was filed 6 years ago for identity theft. The debt originally came from XXXX but 6 years ago when they were asked to verify the debt they never could. They are threating to go through their assets without court order. I have already sent them a formal do not contact letter because my name is not on it but they continue to contact me. They email and text me. I consulted a lawyer who informed me they are not allowed to contact non involved parties more then once. They have contacted me 3 times now.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following item ( s ) from my report, immediately : Account XXXX XXXX XXXX XXXXXXXX XXXX | # XXXX | {$4500.00} XXXXThis account is being reported inaccurately, please remove this from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/ with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$4800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Greetings, I have opened a checking account to consolidate and separate business from personal transactions for ease of documentation. 

I have made several transfers back and forth due to the consolidation. US Bank closed my account and stated that they would send me a check for the {$5500.00} dollars that was in the account by the end of XX/XX/2023. 

Not only have I not received the money, but I have been getting the runaround. I called customer service and was told that I needed to go to a branch. Not only was the account opened online, but there is no US Bank branch in Texas. 

I contacted two branches ; one in Kentucky and one in Ohio, and exchanged calls and emails with both branch managers who told me that they could not give me the money in the branch. 

Customer service stated that the money is in their XXXX XXXX account and can only be disbursed in a branch. 

My checking account number is or was : XXXX XXXX XXXX XXXX This has been going on for several months and they are refusing to give me my money. 

I am reaching out for help in making this right as I desperately need my money. 

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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXXXXXX, Account # XXXX XXXX  XXXX, XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

XX/XX/year> through XX/XX/year> overdrafts in the hundreds until they closed my account and sent to collections agency.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has received 2 requests from myself asking for proof of the disputed debt as well as proof they are licensed to collect debts in my State. Each letter is responded to with one saying Your dispute is rejected. They have never shown proof of debt or even that they have a legal right to try to collect this since I believe they are not licensed to collect in the State I live in. I can not deny or accept the debt without proof from the original creditor and they have outright refused to provide that.
Product: Credit card

On XX/XX/XXXX I walked into a capital one atm to make a cash deposit and it never appeared on my account I have called Capital one maybe about 15 times since then and first call they said give them 7 to 10 days so I did and nonthing started calling more now they said call next week and so on and every time I speak to someone I get different responses now we are about to be on the 20th day mark and no actual response nore timeline they just say next week sometimes they hang up, they call it getting disconnected so I have to call again through the whole waiting time and explain now they said 30 days is what it takes and I asked if because due to the holidays it could take longer and this person said no, because they work 24/7 and just last week the other person told me they got caught up due to XXXX so now I dont know since the 30 day mark will be on the 25th it will get pushed back that week then we have new years so I think Im looking for a solution on XX/XX/XXXX at this point with all their misinformation.
Product: Bank account or service

I applied a new checking account in XXXX. This is a special promotion to receive a bonus offer {$250.00} who opens called Everyday checking account with Wells Fargo Bank. 
My application have been approved, and my new account is eligible to receive a bonus offer. I have received an email from them and it will be deposited {$250.00} within 45 to 60 day. In order to receive the promotion offer, I need to meet all criteria. I have made all criteria their requests. However, their promotion have not been promised because I already have a checking account with them. They already knew I have a different checking account and have approved my application and the special offer. However, they have not promise.
Product: Credit card

This issue is that the subsidiary collection agencies for XXXX continue to report on an old account that I have full paid and XXXX shows the account as being fully paid, but their XXXX-party collection agencies continue to report causing a negative reflection on my credit report. Every six months I have to resubmit the payoff letter to clear it off. It is cleared but then keeps reappearing. I need this cleared off my credit report and to stop all further collection and reporting on this account on my credit report.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE.

MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX MI XXXX PLEASE REMOVE AND UPDATE ALL OTHER ADDRESS. 


ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED/XXXX Account number XXXX XXXX XXXX
Product: Mortgage

Applied for a mortgage with Full Service Mortgage Group in XXXX, TN. Everything seem to have been going great until my husband and I were asked to pay for the appraisal and notice the Lender XXXX XXXX XXXX did not note on the disclosure that the appraisal had been paid outside. The appraisal was included in the total loan cost. Also I noticed in the disclosure that we were getting charge triple in property taxes which were also included in the loan total. I feel before a disclosure is prepared you should have the correct cost of the property taxes. After noticing the discrepancies in the disclosure my husband and I spoke with the Lender and advised him we were no longer comfortable doing business with him. Since then we have received text messages, emails, and threats not only from the Lender, but also from the builder of the new construction which kept our deposit due to the termination of our agreement. There is no reason we should be harrassed by either party when dealing with predatory lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, to whoever this may concern, I contracted XXXX at the beginning of XXXX of this year, I had a very hard time recovering from the XXXX, I was at home by myself for almost a full month not being able to work or get in contact with anyone, it is hard to explain the difficulties of coping with such a situation, on top of that I still had to worry about my financial bills, you can not imagine what it is going through such a situation, on top of that I was not able to go through my emails that frequently so I am not even sure if I got the bill or not, I hope you understand my situation and i ask that you kindly help me out.
Product: Checking or savings account

In short, CITI closed my account, told me to wait XXXX days on XX/XX/2023 for my funds. They have not given me these funds and could not give me an answer on where my money was as of XX/XX/2023. The funds in the account are between {$17000.00} and {$20000.00}. The lack of access to my funds is causing XXXX since I do not have access to a large amount of my money which has caused my credit lines to be at an all-time high. Additionally, CITI is still having me make payments on my loan even though they closed my account when they sent me the money. I have a security clearance in the XXXX, and it is very important to have all my financials in a good place. This situation with CITI has been very stressful, and I do not see any justification to them closing my savings account. On top of that, I lost a deposit I had made on a vehicle, since I could not afford to purchase it since I had to prioritize living expenses without access to my hard-earned savings. 

Full story, Earlier this year, CITI Bank pre-approved me for a loan. CITI would not deposit these funds into my checking account, for an unknown reason that at the time I did not ask. I had a savings account with them and they deposited the funds there with no issue. I already had between {$6000.00} - {$9000.00} in the account since I had just sold a vehicle. Then the funds for the loan hit that account. When I was withdrawing my savings to consolidate debt, and only leave debt that was under favorable interest rates, they closed my account with no proper warning. Citi security/customer service reached out to me to confirm some details, but this call left me very lost since the person was very hard to understand and ended the call leaving a lot of questions unanswered. I called again and I was told that there was nothing that can be done. That I had to wait XXXX days for the money to get to me. I have waited XXXX  days and there is still no update on my situation. I offered XXXX XXXX to a branch to get help, but they said nothing can be done and that if I wanted to go in person that it was my choice. I checked, and there is no physical location that is operational in the state of XXXX. At this point it feels like I am just shouting to a void, and CITI is just giving me the run around knowing that there is not much I can do against a bank of their magnitude.
Product: Debt collection

I receive calls from XXXX several times per day. I answer the phone and it is a computerized voice saying this is an attempt to collect a debt and to please wait while they connect me. Then the phone goes to a very fast beeping tone. I am never connected to anyone and then they hang up.
Product: Student loan

When the initial agreement for the enrollment of school, the information that was provided during the application was vague.This instantance occurred onXX/XX/2008. When the school went out of business I was not informed of the changes of the program and as to where will the payment will be completed. My account was subsidized for the period of graduation until 6 more months. Once I started my employment there was no information of the changes. Started to see online that there was ways of canceling out my debt but did not follow. Tried to reach the financial institution that now owned the loan but did not obtain no accurate information of what happened and how could I continue to make payment to my loan.
Product: Credit reporting or other personal consumer reports

Previous Complaint : XXXX ( Not Handled Correctly ) After asking for verification of this debt it was not resolved. I have not received proper verification, and my next legal action will be filing a court order. I need to see documentation that all parties involved have signed this so-called contract. ( See, Contract Law ) XXXX XXXX XXXX has also openly stated that they are attempting to collect this debt on behalf of my personal credit report. I just informed this company that pursuant to 15 USC 1681 4. THEY HAVE NO PERMISSION TO REPORT ANYTHING USING MY INFORMATION. I did not give XXXX XXXX XXXX Authorization, Consent or the right to do so. Again, I am asking for proper verification of this debt. XXXX XXXX XXXX is stating that they are not required to hold a " direct contract '' with me and that they are going to continue collecting on behalf of their client " The XXXX at XXXX XXXX ''. If XXXX XXXX XXXX is not required to have a " direct contract '' with me then i need to see the CONTRACT. Why is XXXX XXXX XXXX illegally trying to collect this so-called debt and why are they trying to report this debt with the credit agencies? Again, if there is no contract. I demand this be removed from my credit report ( XXXX ) and a detailed email to " XXXX '' stating that this has been fixed.
Product: Debt collection

This debt collection company is attempting to collect for XXXX on an account that had a credit balance after the account was closed. Now, XXXX is stating a debt is owed. I have requested this debt collection company and XXXX send a WRITTEN detailed letter explaining how this occurred.
Product: Credit reporting or other personal consumer reports

I sent in dispute letters requesting these items be removed under Section 611 ( 5 ) ( A ) of the FCRA and promptly DELETION of all information!
Product: Debt collection

In XX/XX/XXXX I was in a car wreck but was making payments on bills. I assumed debt was paid off. However about two years ago someone acting to know me called me at work when I noticed it was n't anyone I knew I hung up phone. I was servered papers by someone that was very rude and got me in trouble with work stating they where going to have a court date and begin garnishment of my wages however I was in college at the time and not getting paid for my work I was in a training position volunteering my time to gain knowledge of my profession. Creditor XXXX and XXXX took my XXXX dollars of a student loan I was getting to pay for my classes I have records from Navient to prove this fact and caused problems with my courses because they took my funding for college courses at XXXX XXXX XXXX which I also have records showing I was in college there from XX/XX/XXXX to beginning XX/XX/XXXX then I was at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX.  I lost my position at XXXX due to harassment by creditors on business phone. I was recently highered by a collision center XX/XX/XXXX about two weeks ago I was served again garnishment papers which then also got me in trouble with my work that to is only a training program but I do get paid enough to pay for tools needed for my jobs duties. I missed payments on my tools due to garnishment and it 's causing problems at my work. For several month I received calls about this debt and still have them saved on my phone. I was not given any chance to defend myself either and talked to an attorney which said there is a statue of limitation on debt of 6 years however it 's been over 14 since. I hope something is done about this.