23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On my credit report there is a charged off account called Citi Bank and I have disputed this account on numerous occasions and stated that I had no recollection of ever owning or using a Citi Bank credit card and had asked for this account to be removed from my credit report but this has not been done. I recently got notification that this account was charged off and is reporting as a charged off account on my credit report.

The law clearly states that when an account is charged off then the consumer must be provided with a form 1099 c. I was never provided such a form by Citi Credit Cards. They say the account belongs to me but fails to provide me with a form 1099c while still claiming that such account belongs to me. Kindly and please send me the 1099c form for the account that I allegedly had with Citi Credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported information and obtained information from companies other than myself without my written consent. No consent is identity theft. I did not give Equifax my written consent to do so. Equifax is in violation of 15 U.S. Code 1681b, 15 U.S. Code 1611, and 18 U.S. Code 1028A. Attached are items that has been reported without my consent Equifax please send me a copy of the letter that I handwritten and gave you, my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX BANK XXXX CO ) XXXX Balance : {$2900.00} LVNV FUNDING ( Original Creditor : XXXX XXXXBANK ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} SOC SEC ADMIN OFFICE XXXX XXXX : {$2600.00}
Product: Checking or savings account

On the morning of XX/XX/2022, I woke ( at approximately XXXX XXXX ) up to XXXX emails from Bank of America indicating that I had opened an " Advantage SafeBalance '' checking account. The first email was received at XXXX XXXX, and the last ( which was a change of email address confirmation ) was at XXXX XXXX. I personally, did not open any such accounts and immediately called BofA to initiate a fraud claim. One significant trsutration, is that BofA does not list a phone number where a non-account holder can reach a human being without using an automated platform which is only for account holders and requires one to enter either a bank ID, account number, etc. In the case of fraud, an individual would not have this information. 

Upon leveraging a phone number validated via fraud claims on XXXX, I was finally able to reach someone who transferred me to " Fraud '', then fraud transferred me to " Risk '' and then I was transferred back to Fraud, this time needing to again enter " account information '' for the automated process after being on the phone already for XXXX minutes. I had to call back and finally reached someone who assisted me, they validated my ID ( without needing my SSN ), entered an ID Fraud claim, and closed the account. 

The above actions were taking by XXXX XXXX.
Product: Checking or savings account

Bank of America is Harming Fraud Victims of " Phishing e-mails '' by Closing Accounts and Dropping Customers for Life Bank of America mishandled my fraud investigation and violated my consumer right to a proper fraud investigation. My personal checking account number : XXXX I opened a regular business checking account with the officer, small business banker XXXX XXXX in XX/XX/XXXX. After receiving my Bank of America business checking account debit card in the mail my account was closed some 30 day 's later by Bank of America risk department. When I contacted the risk department with Bank of America I was given a reason that some time on or around XX/XX/XXXX I had a personal checking account that was closed for reason fraud and that this is why my business checking account was closed and further the bank is opting to never do business with me at any point in the future, essentially banned for life. 

This is not fair banking practices from Bank of America. I called and emailed them in XX/XX/XXXX ( see attached ) that I was the victim of an internet " Phishing Scam '' and that I appropriately reported the incident to the bank on XX/XX/XXXX. Bank of America 's failure to properly investigate my claim and simply closed my account refusing to ever do business with me again. This is a breach of Federal banking regulations in which Bank of America provided no protection for me as a customer against fraud, even after I expressed my full cooperation and support to the investigation Bank of America was simply unresponsive, this was very negligent. 

I promptly emailed XXXX in XX/XX/XXXX explaining all of this and they did not work with me at all towards a resolution, instead, Bank of America responded to my fraud claim by simply closing my account instead of investigating what had happened. I was never assigned an investigator! The bank was too quick to close my account. Why would you close my account rather than investigate? All you care about is saving the bank money under the pretext of a 'business decision ' or hiding behind risk department. When will you begin conducting more thorough investigations? I thought Federal Reserve banking regulations protected consumers even when they make a mistake by answering a phisher 's e-mail? My account does not deserve to be closed indefinitely for being the victim of fraud! 

I have been trying to open up a small business checking account now for the last 3 years!
Product: Debt collection

I am aware that i am 5 days laye on a payment, but woth conns home plus if you are even 1 day late they will call you grom multiple numbers up to around 16 times between the hours of XXXX -XXXX even after talkinh with me and when i tell them ive already spoken sith someone that same day they usually become very rude with me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hard inquiries that were added to my report on XX/XX/XXXX that I did not submit
Product: Credit card or prepaid card

Walmart provides promotional programs with interest free as long as the amount is paid off in 6/12 months. I have 4 different promotional balances, two of which come due in 8 days. Balance on the older promotions are {$6.00} and {$10.00} on the other. My last payment did not pay these off totally so I added another {$50.00} payment. They would not allocate any of this {$50.00} to either older promotional purchases but only to the newest promotional purchase. I will have to pay all the promotional purchases off to pay off the oldest promotional purchases in order to keep the interest on those from being assessed to my account.

This is predatory servicing and lending. This is the only bank card that offers interest free promotions that will not allow you to allocate to each promotional balance specifically.
Product: Debt collection

Kindly ensure the removal of inaccurate accounts noted on my credit report, as mandated by FCRA 605B. Could you please verify the documentation? The presence of these erroneous accounts is causing me XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor. Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. Best regards, XXXX XXXX XXXX XXXX. XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status updated XX/XX/XXXX Contact info Name XXXX. XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. 
Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

It has recently come to my attention that the IRS, & the SSA, and the federal courts have willfully been making Injurious " presumptions '' which prejudice my Constitutional rights by trying to associate me with the " XXXX XXXX  '', which is the all caps version of my XXXX name which is in fact a trust previnusly associated with a " public office '' in the United States government by virtue of the Social Security Number attached to it. Further information is to help clear up any presumptions and set the record straight ; Use of Trade Name Material Name : Under Protest and duress {$25000.00} ANY DOCUMENT PRODUCED BY ME ; {$10000.00} TRESSPASS/FAILURE TO ACT 1.FAILURE TO HONOR XXXX GIVEN RIGHTS {$20000.00} 2.SILENCE/DISHONOR/DEFAULT {$5000.00} 3.FAILURE HONOR/NO BOND {$5000.00} 4.USE OF STREET ADDRESS {$5000.00} 5.FAILURE TO FOLLOW FEDERAL AND / OR STATE STATUES, CODES, RULES OR 6.REGULATIONS {$50000.00} 7.FAILURE TO PRESENT A INJURED PARTY {$100000.00} 8.FRAUD PER OCCURRENCE AND INCLUDES ANY 3RD PARTY {>= $1,000,000} 9.DISHONOR IN COMMERCE PER OCCURRENCE AND INCLUDES 3RD PARTY DEFENDANT {>= $1,000,000} 10.ATTEMPED EXTORTION OF FUNDS FROM BIRTH CERTIFICATES ACCOUNTS, SSN ACCOUNTS OR OTHER ASSOCIATED ACCOUNTS BY FRAUD DECEPTION, FORGERY BY ANY AGENT ENTITY OR CORPORATION PER COUNT OR CHARGE. {>= $1,000,000}
Product: Credit card

American Express card was issued since XXXX through XXXX with no annual fee. Account converted to XXXX XXXX American Express card and no fee was charged at conversion. XXXX XXXX annual fee of {$95.00} charged but statement was put in incorrect XXXX. Called American Express the moment it arrived in XXXX. I asked that the potential to cancel/have refund of annual fee be considered. Was told it was escalated and to call back in XXXX7 days. Called back on XXXX/XXXX/XXXX and was told no annual fee was ever waived. Asked to cancel the card/pay remaining balance and have fee refunded. Was transferred to another area offering {$25.00} off. Asked to cancel card/pay remaining balance and was transferred multiple times and then was lost in the number punching. I did not ever request the conversion to XXXX XXXX, have never paid bill late or not in full, have excellent credit and would like the {$95.00} credited. Have ceased usage of the card. Will pay remaining balance minus {$95.00} and hope to have situation resolved. Not understanding why i should have to call back in multiple times vs. American Express reaching out to me. Could not answer my inquiries of when there was any advance communication of the fee to be charged. Have spent & gt ; 45 minutes on phone attempting to resolve a card that is used & lt ; $ 400 monthly and have not flown XXXX XXXX in years ( nor chose this conversion ). While some customer service representatives appeared to want to assist, appeared their hands were tied.
Product: Credit card

I was XXXX day late on my credit card payment. Card ending in XXXX. I live in central XXXX  and XXXX  XXXX destroyed my area. The roads were untraversable and I could not get to the bank to make my payment. This bank decided or was okay to charge a late fee in XXXX the worst disasters in XXXX  existence. That is absolutely criminal and this bank needs to be fined and held accountable. They are taking advantage of poor people during a crisis. It's sick and unconstitutional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any verification on how you received the alleged accounts attached in Exhibit C. And therefore request that you consider this final notice to your offices. Past this point the FTC & CFPB authenticated my sworn testimony on my end. Which I will definitely present to The Courts if need be as evidence of me trying to get this situation resolved and rectify this subterfuge that you are reporting. 
I have not received confirmation nor a Testimony that your offices complied with the FCRA and its mandated rules when it comes to reporting accurately in 15 USC 1681 when it comes to accuracy and fairness when reporting. In which I did not validate nor give my consent for any of your companies to share my personal information to any bureaus or third party companies which are also violations. USC 6802 ( a ) & b & 15 USC 1692 ( d ) therefore you are to present me with a certificate testimony and copy that the alleged accounts in Exhibit C are Valid and not subterfuge. 
XXXX XXXX COPIED FROM AFFIDAVIT ATTACHED ) *******
Product: Checking or savings account

XX/XX/XXXX, I sent money to a XXXX account that was hacked and the original owner of the account didn't know till I called him. But I sent {$1.00} and then {$49.00} and the hacker asked for more ( {$50.00} ). So I sent it thinking it was my friend and then, the hacker proceeded to ask for {$100.00} more and I sent it. And then again, more, so I got suspicious. I called my bank and they couldn't stop the transaction becuase XXXX XXXX  and chase to XXXX totally different things. It was pending still, so I asked if they could just cancel it. But long story short they couldn't help me and neither XXXX online help center couldn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank will not remove this credit card from my credit report. Someone else to whom I have no knowledge of who has my name listed on their card as an authorized user. They reply with a statement saying that the account holder must remove me from the account. However I do not know who it is or even how to fund out that information I have called citibank to attempt to gain information about the account user and who this person is. I don't know who they are. What I do know is I have for years been trying to get this removed and myself removed from this account. My identity has been stolen essentially by this person. They are also slowly racking up the balance on this card which has a XXXX limit to which I have watched the balance go up up and well up. They also are gaining slow credit line increases. This is extremely concerning to me that citibank does not investigate this matter of who this is. The sad part is if I'm on this card why do I not have possession of one and if they took time to review any camera footage or addresses there Fraud department would realize I have not purchased anything because I can't I have no card and no information about this account. Do these people even reside in my state of Minnesota? They offer no help
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX, has violated my rights. 

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

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

Hello, to whom this may concern my name is XXXX XXXX. I am unable to open a checking account due to fraud reported on XXXX about 5 years ago by Bank Of America. I have called them several time trying I get this resolved but it keep getting the runaround. My account was hacked into 5 years ago I caught it and immediately contacted the bank I did not make a police report because I didnt know who had done the customer service rep stated that it was transaction from a different location meaning another state. Any how from that I am unable to open a checking account to start my XXXX. Bank of America send me the checks that was deposited into my account but I no longer have that information. They close my personal account but not my XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters repeatedly to XXXX, XXXX, and Transunion asking them to validate and even show me their method of verificatiion for these fraudulent accounts on my record. I have sent numerous letters to the creditors and this bankruptcy court in XXXX, TN only to have my letter returned right back to me more than twice. I am reaching out to the CFPB for some kind of resolve before I seek legal action. 

The following accounts and inquiries are not mine : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX Bankruptcy Chapter XXXX - Dismissed - XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in dispute with Experian, XXXX and XXXX over a collections account. I sent a letter in on XXXX/XXXX/2021 and it has now been over 30 days so this item should be removed immediately. Please refer to the attach letter that was mailed to Experian and XXXX.
Product: Checking or savings account

I opened a 360 checking and was promised a {$400.00} bonus for completing two {$1000.00} and above direct deposits. 

I had completed the requirements ( XX/XX/20 and XX/XX/20 ) yet never got the bonus.
Product: Checking or savings account

I was charge a Deposit Item Returned Fee without my knowledge because I tried to cash a check issued by a cashback website. I did not know the check could not be cashed and I am unable to verify if the check is valid before I deposit it. This is the most unreasonable fee I have ever seen
Product: Debt collection

this debt collection was added to my credit report without my authorization. I do not owe them any money. I attempted to call them to remove to the collection but they won't remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company refuses to answer any questions over the phone. They provided inaccurate information over the phone regarding how long it will be for the report to generate. I asked for a supervisor to verify and the representative ( XXXX XXXX refused to transfer me stating I could call back or he could leave a request for a supervisor to call me. 
He purposefully disconnected the phone call when I stated I would hold for a supervisor or wanted to be transferred to another representative. 
A XXXX phone call to the call center resulted in the rep stating they would have to submit a " request '' for a supervisor callback. This callback was hours later and I was not home. 

This is day XXXX at XXXX XXXX  EST. No return call from a supervisor, I called at XXXX XXXX  EST ( they open XXXXXXXX XXXX XXXX and again requested a supervisor call back. The account is my son 's, but I am the one filing the complaint because of how I was treated over the phone, and the rep seemed to be able to pull up an account since he put me on hold to " read the notes ''. I was told a call back request was submitted, and was asked when a good time to reach me would be. I told them XXXX for lunch or I get out of work at XXXX EST. 

I called for the XXXX time, a short time ago, to ask again since there is still no return phone call. This rep stated she could not find an account using our last name, and asked roughly XXXX separate times for my son 's XXXX. 

They should not need his account information in order for me to receive a call back. If the rep this morning pulled up the account without that personal info, why couldn't this evening 's rep find it? Did this mornings rep lie? Have I waited all day for nothing? Why can't ant we be transferred- why do we need to wait so long for a supervisor callback? 

They are essentially holding my son 's account ( joint with me ) XXXX since the bank has restricted access to it due to the report this company supplied. They delay our access to this report claiming it takes time ( up to 15 days ) to generate, yet it would have already been generated in order for the bank to make their decision. Other credit reporting agencies offer their services online, and yet this company seems to be making this process far more difficult than it should be. 

The call center is providing inaccurate information regarding generation times, and the XXXX representative intentionally disconnected the call. Customers should not need to request a callback for a supervisor, and should be able to be transferred to XXXX. There is no verification process that the rep actually forwarded the request. The representatives should not require a XXXX to submit information for a supervisor request. 
This company should be providing instant access to consumer reports.