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

Citizens Bank & CITIZENS FINANCIAL GROUP , INC . 
EIN # XXXX Principal Executive offices : XXXX XXXX  XXXX XXXX R.I. XXXX Vice Chair and CFO : XXXX XXXX XXXX XXXXOn XX/XX/scrub>XX/XX/2024 I started a fraud claim Claim # XXXX, For {$13000.00} And the multiple associates of Citizens Bank wouldnt give me a email or link to upload documents for proof. So it was denied. 
***And I once again filed another fraud complaint on XX/XX/2024 for {$13000.00}, Claim # XXXX I was able to upload proof and all the and fraud etc. Now they want more and more and its so beyond frustrating that I am the one who was stolen from and they treated me like a Criminal after being a member for over 12 years. So in their SEC XXXX and XXXX filing they state they have to by law give the amount disputed by 10 days if they have not come to a decision, but always give the provisional Credit to their clients because were important to them. Well its coming up on day 9. Tick tick tick.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have tried several times ( 4 to be exact ) to get XXXX XXXX, XXXX, XXXX, and Experian to investigate my credit file as they are reporting inaccurate information. I noticed that they were reporting bankruptcies on my credit file that they received from XXXX which I noticed was also reporting inaccurate information to XXXX XXXX, Experian, and XXXX. I contacted XXXX by mail, and they advised that XXXX XXXX, Experian, and XXXX  has never responded to their request to initiate an investigation into the inaccuracies that they have been reporting. I have attached letter correspondence between XXXX and I which states that they reached out to all 3 credit bureaus who are simply stating that they will not re-investigate their inaccuracies. I have also put a freeze on my XXXX file until the inaccuracies are fixed by XXXX. I have contacted the bankruptcy courts who stated that they did not report any court filings about me containing my social security number to XXXX, XXXX XXXX, XXXX, or Experian. Note that I am a " Junior '' and my father shares the exact same name and addresses attached to his credit file. If the original source of those reports ( The Federal Courts ) is stating that they did not provide any information to either of those bureaus regarding any cases, if any that I'm involved in, then how is this being reported on my credit file? Since XXXX, XXXX, XXXX XXXX and Experian have all refused to correct those inaccuracies, I am filing a complaint with your office. I have also attached all USPS certified returned confirmation slips that confirm that all four credit reporting bureaus received my disputes and refused to follow the guidelines set forth in the Fair Credit Reporting Act.

I have also contacted XXXX, Experian and XXXX XXXX in reference to a collection account that was added to my credit file without me receiving any notification of this collection account. I have sent four dispute letters to each agency and only XXXX   corrected their file to report accurately. XXXX  conducted the proper investigation into the frivolous collection account and removed it, then why are the other 2 bureaus refusing to do the same? Any assistance from your office to get these credit bureaus to conduct proper investigations into inaccuracies on my credit files would be appreciated.
Product: Checking or savings account

On XX/XX/XXXX I was assaulted at a venue. I woke up in the E.R. and I found nothing missing from my wallet. Before XX/XX/XXXX I was under a lot of distress because of personal problems. I was not living at my mailing address or at home. However ten months later on XX/XX/XXXX once I was in a better state of mind. I went to J.P. Morgan Chase to make a deposit to my business account and this was the day that I discovered that I had been a victim of Identity Theft. I believe that someone at the venue which I had attended made a duplicate Debit Card and got my pin number from the A.T.M located with in the venue which I had attempted to acquire sufficient funds to enjoy my night. However the A.T.M at this venue did not disburse any money over the several attempts that I tried to acquire money from it. After not being able to acquire money from this A.T.M I paid for my drinks with my business Debit Card and that was the last thing that I remember before I woke up in the E.R. Once I was released from the E.R. I was allowed back into my residence and was allowed to recover their. Furthermore once I discovered that I was victim of Identity Theft and did some investigation I discovered that my Debit Card had been used on XX/XX/XXXX at another location while I was back at home recovering from my XXXX XXXX with XXXX XXXX. I would like Chase to reimburse my account for the full amount that was stolen from my account while I was not in the right state of mind. I was under the impression that as a Chase customer my funds would be protect by the F.D.I.C up to XXXX. So I do not understand why my money is not being protected and as to why Chase bank never altered me of when they saw multiple charges made to a single restaurant in one day. This boggles my mind. How could this not be a red flag? Why did Chase not contact me immediately to see if I had made these charges when they had done so in the past?
Product: Debt collection

During the pandemic I stayed at XXXX XXXX XXXX XXXXXXXX XXXX XXXX for several months using state assistance to pay for the months I stayed while isolating, I lost my job as an XXXX XXXX XXXX XXXX. When the assistance was about to be over, I left the apartment in agreement with the administration. They received their payment. And this collection agency is requesting a payment for a non existent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 ( a ) congress states " ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S. C. 1681 ( b ) states " It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

You, credit reporting agency have forsaken your grave responsibility. You have been unfair and partial. Not only did you not have permissible purpose but I did not consent to my NONPUBLIC PERSONAL INFORMATION being collected, housed and furnished by you. There is information on my consumer report that is a result of identity theft. I, did not provide explicit written instructions for the identified transactions ( NONPUBLIC PERSONAL INFORMATION ) to be reported on my consumer report. 

Pursuant to 15 U.S.C. 1681 ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; should be excluded from a credit report. 

I demand you remove the identified items off my report immediately. 
Thank you.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the presence of inaccurate item ( s ) as follows : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith..

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX DELETE INMEDIATLY THIS FRAUDULENT INQUIRIES/ ACCOUNTS PLEASE 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE INMEDIATLY THIS FRAUDULENT INQUIRIES/ ACCOUNTS PLEASE 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE INMEDIATLY THIS FRAUDULENT INQUIRIES/ ACCOUNTS PLEASE Here I attach, along with the dispute, my fraud report that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 

Thank you for your attention and assistance in resolving this matter. 

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

XXXX  IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4th ATTEMPT WRITING XXXX  ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting or other personal consumer reports

Collection account with XXXX is showing on my consumer credit report. The balances are incorrect and with new law REGULATION V medical debt should not be on my credit report. XXXX and equifax have yet to remove these accounts. Please remove these accounts as they are an inaccurate and a violation to my rights.
Product: Mortgage

I refinanced my home with Homepoint Financial on XX/XX/XXXX. The notary was receiving new paperwork after we had arrived for Closing, and as such I had to repeatedly call my Loan Processer, XXXX XXXX, about incorrect information in the closing paperwork. One major point of concern was that our first payment was listed as being required on XXXX XXXX, instead of XX/XX/XXXX, as I had been told by my Loan Processor and in my earlier paperwork. During my Closing, XXXX provided me confirmation - verablly and in email - to sign the documents as is and that my first payment would be due XX/XX/XXXX. This was XXXX 's email to me : " I apologize for missing your calls. Homepoint gives a 2 month cushion for the first payment. Your loan is expected to fund on the XXXX of XXXX. Since funding will not take place until XX/XX/XXXX your first payment will be due on XXXX. You will receive documentation that will confirm the first payment due date and amount. Please dont hesitate to contact me if you have any questions and/or concerns. Thank you for choosing Homepoint. XXXX  XXXX XXXX. '' On XX/XX/XXXX, I was notified by HomePoint that my first payment will be due XXXX  XXXX, XXXX and not XX/XX/XXXX as explicitly described by the Loan Processor. I called customer support on XX/XX/XXXX and was told my issue would be resolved and my payment date changed and tha I would be made aware of this outcome within 4 days. I have since contacted Customer Support via phone and email multiple times. I've reached out to my Loan Processor who is out of office and hasn't returned calls, and I've reached out to XXXX XXXX, her supervisor, who has also not returned calls or email. At this point, my payment is due on XX/XX/XXXX, which is incorrect, and I am running out of time to resolve, with no path forward with HomePoint Financial.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed several inaccuracies that immediately raised concern. There were a few ( XXXX ) inquiries listed that I didn't recognize, indicating potential unauthorized checks into my credit history, I contacted the credit bureau to dispute the inaccuracies. Not authorized to share XXXX being infringed upon 15 USC 1681 ( a ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX CFR part XXXX REGULATION V XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Monthly statements do not display current interest rate or breakdown as to how much of monthly payment is principal versus interest. 

I have written to the company asking for the interest rate of this installment loan, and requesting the XXXX interest rate reduction - but, my correspondence has been ignored. 

I am a reservist who has been on multiple periods of XXXX XXXX orders since getting this loan ( for an HVAC replacement ) ... But, the company ignores my requests for information about XXXX interest rate reduction. 

Account : XXXX Please help. 
Thank you.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THESE INACCURATE INQURIES WITH EXPERIAN SEVERAL TIMES AND THEY ARE SAYING THEY VERIFIED THEM AS ACCURATE, BUT THEY AREN'T I NEED THESE REMOVED ASAP.
THE INQURIES ARE LISTED BELOW:

XXXX  XXXX XXXX
Inquiry date:XX/XX/XXXX
XXXX XXXX XXXX  Bank Credit Cards
Inquiry date:XX/XX/XXXX

XXXX XXXX XXXX  Bulk Purchase Finance - General
Inquiry date:XX/XX/XXXX

XXXX XXXX XXXX XXXX
Bank Credit Cards
Inquiry date:XX/XX/XXXX

JXXXX XXXX
Bank Credit Cards
Inquiry date:XX/XX/XXXX

XXXX XXXX
Bank Credit Cards
Inquiry date: XX/XX/XXXX
XXXX  Finance Companies - non specific
Inquiry date: XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, GA XXXX ] [ XX/XX/year> ] Experian Dispute Department Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear XXXX XXXX Department, I am writing to formally dispute inaccurate information that remains on my credit report despite my previous disputes filed with your agency. The continued presence of this inaccurate information is a violation of your obligations under the Fair Credit Reporting Act ( FCRA ). 


Furthermore, I am a victim of the Date Breach. I wish to highlight the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX ( Case No. XXXX ), which underscores the necessity for credit reporting agencies to fully comply with their legal obligations regarding the accuracy and timely correction of consumer credit reports. 


I have enclosed the following documents to support my dispute : XXXX. A copy of the disputed items highlighted on my credit report. 

XXXX. Supporting documentation validating my claims. 

I kindly request that you reinvestigate the disputed information, provide me with a detailed response, and remove or correct the inaccuracies on my credit report. Please provide written confirmation of the actions taken. 

Thank you for your prompt attention to this matter. I trust you will address my dispute in accordance with your legal obligations under the FCRA. 



Sincerely, [ XXXX ] [ XXXX ] [ XXXX ] Enclosures : Screenshot of the Date Breach Screenshots of credit report with disputed items highlighted Copy of the Complaint Supporting documentation Let me know if youd like further adjustments!
Product: Credit reporting, credit repair services, or other personal consumer reports

Asset Care LLC is showing a charge off account for XXXX XXXX on my credit report. When I contacted them via telephone they admitted that it was not XXXX XXXX but a XXXX account for XXXX XXXX XXXX XXXX but they chose to show it as a recent XX/XX/XXXX account for XXXX XXXX on my credit report as a charge off. 

I do not and did not owe XXXX XXXX XXXX any money from XXXX or any other time and they can not and will not provide any documentation on this claim. 

Yet they acknowledged that by law this outstanding balance should be removed from my report at the end of 7 years and that they knew it was from XXXX yet refused to correct the entry or remove it and have damaged my credit with this report. 

They intentionally listed it as current and it would remain for up to 7 years on my report in what is an obvious attempt to extort payment from me to get it removed.
Product: Debt collection

I am XXXXXXXX XXXX XXXXXXXX and am submitting this complaint myself with no third party. I, XXXXXXXX XXXX XXXXXXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. The following United States Codes Arcadia Recovery Bureau , LLC has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, Arcadia Recovery Bureau , LLC claims XXXX XXXX XXXX XXXX XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, Arcadia Recovery Bureau , LLC claims XXXX XXXX XXXX XXXX XXXX was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through XXXX XXXX, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by Arcadia Recovery Bureau , LLC on XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX XXXX XXXX XXXX and Arcadia Recovery Bureau , LLC is now civilly liable to pay me for the damages.
Product: Mortgage

I started the loan modification process to resolve being behind and during the process an evaluation was done on my Mortgage. At no time did the modification team communicate to me that my payment would down nearly $ XXXX, telling me only that due to the interest rate increase, that my payment would temain the same. I was not offered any options ( quitclaim deed with FHA, or opportunity to take the lower payment and make up difference/back payments ), and I believe this was so they could collect more interest from my a cou t - a deceptive practice taking advantage of a consumer under financial stress- it is an issue under UDAAP. 
Additionally, when I discovered the reevaluation information and I called I was told a check would be sent for the overage of my escrow but since the modification had been signed there was nothing they could do. That overage check never appeared and dueing the initial call I was told I could NOT speak to a supervisor, but they would request a call back. No supervisor called. I called back again and today was told the escrow overage was used towards my Principal during modification, but on a previous call I was told that escrow funds could not be used towards the balance. More deceptive practices. 
No one seems to know where the escrow funds actually went - I was transferred to several departments all telling me they didnt have that information and another dept would have to answer. 
This is absurd, for a financial institution to not know and be able to tell me where money went! And to intentionally withhold information that may have benefited the consumer for thier own financial gain is disgraceful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/18 I attempted to get in touch with Experian to lift a credit freeze I placed on my account. There are no options available on their phone system to lift a freeze, only to place one.  There is no option to reach a human being on their phone system either. I checked through all of the options. 
I attempted to do this online it it told me that it was unable to process my request at this time and to call the same number I already called, which gives no option to solve the issue that it can not be processed online at this time. it also gives no ability to contact a human being. 
Last week and this week I attempted to do this online several times with the same result everytime. I attempted to try it through their phone system multiple times. 
Eventually I gave my information to the the Experian phone system option for Fraud Alerts because I thought they would call me back. Instead it automatically placed a fraud alert on my account and notified both other agencies of a fraud alert too!! 
Do you know how much trouble I am going to have to go through with all of my financial institutions with a fraud alert! 
Seeing as these credit bureaus have absolute power over anyone 's use of credit, bank accounts and any money transactions not made with cash this is unbelievable that they can get away with giving you no way to lift your credit freeze and then also no way to stop this fraud alert. 
I sent two emails to the Experian customer support address with no responses at all. 

This disturbance to the financial, mental and emotional well being of a person because Experian takes no real responsibilty in making access to actual customer service to deal with these issues. Yet they have full power to enact a fraud alert without confirmation and keep a credit freeze that is not desired. 

How can a company with this much power over our lives ( your 's and mine ) be allowed to operate in such a way that you can not contact a person at all to address such issues. 
They can lose all our personal information so we all have to live with freezes on all our credit to protect ourselves and lift them temporarily as needed and yet offer no way to contact them in real time whatsoever. 
I can not believe there is anyway in the world you are not getting 1000 's of complaints related to similar issues with the ability to contact and resolve issues with Experian. 

This does not seem like it should be a legal business practice for Credit Bureaus. 

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

I have been disputing since XX/XX/2020 with the credit bureaus on a few collections and they have done nothing about the inaccurate information that is being reported on my credit file. There is so much information on my credit file that is being reporting inaccurately. I have been disputing and they have been blatantly ignoring the issue at hand.