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

Back in  XXXX ,  XXXX  we had open up the custodian account for   XXXX   of my children checking and saving a t CitiBank as sa me time we also open all our account and there were never a account service charge to the kids account during those years we did see some months was charge and it was waive and taking out and some that was no charge but starting back in  XXXX  the bank starting to charge from the custodian and in same it drain out the kids account money in there and these are kids that same for the college money we never did receive any of the statements during those charging months not until the bank send us notice that we need to deposit in the custodian accounts so that the services fees can be clear, that is when we found out that years of been open  XXXX  of our custodian account has the bank been stealing from my kids account. make the matter worse that they are not will to work and refund our children money back an in same even challenge of my caring for my child money and their saving. Again these checking and saving account are custodian kids account under age and i am teaching the to same their money from Birthday,  XXXX ,  XXXX   XXXX  and more that we gave them to deposit to same up for there future and here there bank been stealing from them every month for the pass 6 years at {$30.00} per month in 12 month equal to {$360.00} per year and in 6 years that is the sum of {$2100.00}. All this done to the kids account whose are now just turn    XXXX   and   XXXX   years of age. I hs been try to reach out to Citibank and none seem wanting to help I then close the checking accounts from   XXXX   kids and now to them the account is close to preventing the account to be charge this coming month and by this Citibank are no t will to help claiming the account been close and nothing they will or can do. I do not understand since the kids saving is still active and all out our banking are all still operating. I am reaching out for help calling and asking for help for   XXXX   of my daughters to help get their money back from cro ok Citibank charge on  Custodian
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I viewed my credit report and saw a debt collector on it by the name of Credit Solutions account number XXXX. I disputed as I was bewildered because not only did I not know the creditor, I did not have any derogatory creditors on my credit reports so this as extremely upsetting. I contacted Credit Solutions and they told me I needed to contact XXXX XXXX XXXX XXXX which was also listed as the original Creditor. However, I contacted them because they ( Credit Solution ) had it listed on my credit report. Well, before hanging up Credit Solution stated that I owed {$1200.00} to XXXX XXXX XXXX. I stated to them, this was almost a year ago XXXX XXXX XXXX nor Credit Solutions contacted me, I saw this derogatory reporting on my credit report and that is n't fair and this was paid by my insurance as I am XXXX and have XXXX insurance which I provided XXXX XXXX with my insurance card when I went to the emergency room. I then contacted XXXX XXXX in which I spoke to 3 different individuals stating that they billed XXXX instead of billing the correct insurance XXXX insurance. I was told that they would submit the claim and within a few weeks the claim should be paid and they will have Credit Solutions to remove from my credit report. I have called XXXX on several occasions and for some reason each rep is still saying that they did not submit to XXXX so they could be paid. This is not right for this organization to be neglectful and put on my credit reports.
Product: Debt collection

On XX/XX/2019 at XXXX cst, I called chase card services a spoke with a representative by the name of XXXX which stated her employee Id number as XXXX. After being transferred, placed on hold numerous times, and on my lunch break with limited time, I asked XXXX for the lowest settlement amount that can be taken by company policy, I informed her I did not want to go back and forth I have to get back to work. XXXX provided misleading and inaccurate information in regards to the lowest settlement offer. She placed me on hold and came back with an amount that was not the lowest amount but attempted to give me the perception it was. I then requested a manager, she placed me on hold and acted as if she was going to get one. After that she came back, provided me a lower amount than what she initially quoted but refused to transfer to a manager stating they are just going to tell me the same thing. She was very rude and condescending. I felt as if she was talking down to me.
Product: Debt collection

Im a victim of identity thieves they got my information and used my credit card and I was paying my bills every month on time until this happened I did contact the company of what happened but they still wanted me to pay the bills
Product: Debt collection

This vehicle was totaled on XX/XX/2018. The balance was paid off by my insurance company and the remaining balance was picked up by my Gap Insurance. I have contacted the finance company on numerous occasions to please update this balance with all 3 credit bureaus so that I can move forward with getting a new car and a better interest rate.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency.

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

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. 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 accounts. Please follow the law so that this situation can be settled quickly. 
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 XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX ******* XXXX XXXX Opened : XX/XX/XXXX Balance : {$18000.00}
Product: Credit card

My Chase Visa card was used for several transactions in XXXX, XXXX ( NY ) to purchase medical supplies. I tried calling the vendor 's phone number on the credit card statement but it was not in service. I contacted Chase and reported the fraud. They removed all the charges and investigated. they said the card had been used ( with chip ) at the location so I had to pay. Chase then gave me another phone # but it was to a business in CA that had no record of any business with me and had no office in XXXX NY. I gave this info to Chase. Chase still says I must pay these charges. They refuse to investigate and have no information about who the vendor is. They refuse to call the number they gave me and can not give me any information about who the vendor is, where they are located or what I allegedly purchased. I will not pay for these fraudulent charged and am furious that Chase will not properly investigate these charges.
Product: Debt collection

I am the primary complainant in this matter, and I hereby XXXX full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing this letter to dispute the erroneous reporting account on my credit report provided by your bureau. The details of the disputable accounts are as follows : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2019. I request you to evaluate this reporting by revising the information provided. According to my understanding, a charge-off account should show a {$0.00} balance. However, in these cases, there is a balance of {$100000.00}. I urge you to remove these erroneous reporting accounts from my credit report as soon as possible. I would like to bring to your notice that XXXX has already removed these accounts from their records, as they found an error present. However, I am confused as to why your bureau has verified it, while the other bureaus have removed it. Please delete these accounts from my file as they are inaccurate, erroneous, incomplete or unverifiable.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/year> with a balance of {$130.00} 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 XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

Someone opened a fraudulent account using my social security number..I did not give anybody permission to use my social ... I have provided the requested documents to XXXX  as requested and the investigation has been ongoing since XX/XX/XXXX in which is the date the loan was open..XXXX XXXX is the name of the loan company..There is a balance of {$9600.00} with a high balance of {$16000.00} ... I dont need a loan of no type if you check my credit you will see all my credit accounts is in perfect standing ... this is causing emotional distress on me and my family ... Ive even reached out to the RMC Loan place and asked that they run there security cameras so that we could see who done this such awful thing and they told me they dont have cameras ... I have provided to XXXX  several police reports that state this account is fraudulent and they still say the process hasnt been completed and that RMC has verified that the account belongs to me..I told them to provide proof that the account belongs to me bc unless I have a cloan then they need to remove this account immediately..Im trying to be patient and take the proper steps into going about this situation before I proceed with my attorney..please take into consideration that I will prosecute whomever we find out who did this ... Im convinced that the bureaus has something to do with this because they removed the inquiry but not the account ... my credit was ran 27 times in one month and they removed all of them because fraud was obvious..I have police reports all the way from XX/XX/XXXX where my entire vehicle was stolen and my wallet ... Ive been a victim of identity theft for 6 plus years now and the bureaus been aware of that.It also states that Ive paid off 41 % of the loan and Ive never made a payment on it because I didnt open a loan up .Thanks and please contact me back about this matter..XXXX or XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern and dissatisfaction regarding the handling of this attempt to correct late open accounts. It is imperative to address this matter promptly and effectively to ensure fairness and transparency in the process. 

Despite assurances and previous attempts to rectify the issue of late open accounts, I regret to inform you that the problem persisted during the 3rd attempt. This recurring issue not only disrupts the proceedings but also undermines the confidence and trust of participants in the integrity of the process. 

Therefore, I urge you to take immediate and decisive action to identify the root causes of the late open accounts and implement robust measures to prevent their recurrence in future attempts. Furthermore, I request transparent communication regarding the steps taken to address this matter and ensure the timely opening of future rounds. Timely and clear communication is crucial in rebuilding trust and confidence among participants. With this, I am asking for your assistance to correct the late open accounts : XXXX XXXX Balance : {$4900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

I recently review my credit report and notice I had fraudulent accounts in my report report they are hurting my ability to obtain credit
Product: Mortgage

My ex-husband had deeded and titled the property to me with the agreement he would be removed from the mortgage and be absolved from all responsibility of the property. Upon making the payment as the sole resident of the property since XX/XX/XXXX, I had then submitted proof to GMAC who was the then mortgage holder that I was the sole person responsible for the mortgage. I was then given an assumption by GMAC removing my ex husband from the mortgage statements, tax statements and credit reporting. I had an adjustable mortgage at the time and had been alarmed by a sudden hike in my mortgage in XX/XX/XXXXand had applied for a loan modification. I also had to submit proof I was the sole owner of the said property and was granted a modification as such. GMAC then sold my loan to OCWEN who had initially been sending my tax and mortgage statements with my name solely on the documents. Then suddenly in XX/XX/XXXX, the same year they had taken over. My ex husbands name had started to reappear on my tax statements and then my mortgage statements again. When I addressed OCWEN about this situation they claimed at first they hadn't received all of the documents related to my account from GMAC and it would take months to receive all documents. I waited for many months which turned into years and tried to revisit the situation again. OCWEN then had a representative send me a letter stating they saw the assumption paperwork but since it had not been completed they placed my ex husbands name back onto my account and also started reporting on his credit again. Since this was a violation of our agreement and court decision in Family Court my ex husband has taken action which a Family Court Judge had threatened sanctions on me if I do not correct this issue within 120 days from XX/XX/XXXX. During that prior court proceeding last year dated XX/XX/XXXX, the judge did decide I had shown sufficient proof I had attempted to do what the agreement claimed. My ex husband has since re married and has a mortgage currently with his current wife.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury. defamation of character. can't aet approved for my mortaage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my family as well
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts was open without me knowing
Product: Debt collection

I made an agreement i have made monthly payments never missed. I have paid the actual company money which this collector will not give me credit for
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

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

As a Federal Protected Consumer I have a Consumer right and Privacy right to those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Product: Checking or savings account

When I opened this account on XX/XX/XXXX I signed a digital XXXX certifying that I was not subject to backup withholding. Chase nevertheless withheld {$72.00} of federal tax on XX/XX/XXXX, and I started a CFPB complain regarding that and related issues. I also reached out to Chase and they said I had a C-Notice from the IRS on my account and that I should contact the IRS to get it removed. I contacted the IRS on XX/XX/XXXX and they confirmed I had no backup withholding or C-Notice on my taxpayer ID and that they would send confirmation of the same to Chase and that I should request a copy of the C-Notice from chase. I requested the same from Chase and they said to go into a branch. I met with a banker in branch ( XXXX XXXX ) on XX/XX/XXXX. He said that he didn't see a backup withholding notice on my account either and suggested I sign a new w-9 since some information is missing when you sign it digitally. I did so and was told this would fix the issue. Again chase withheld {$100.00} of federal tax from a deposit today.
Product: Checking or savings account

My father, XXXX XXXX XXXX, died on XXXX XXXX, XXXX. I am listed as a beneficiary of his IRA ( s ) held by Umpqua Bank. 
I'm a XXXX y.o. XXXX XXXX  and I legally changed my name and XXXX  in XXXX on my birth certificate, drivers license, SS card, bank accounts, etc. I did not go through the courts because in Oregon you are not required to do so when you first change your name. However, Umpqua Bank is denying me access to my beneficiary monies because they want " court papers showing a name change required '', which I don't have because it is not required in Oregon with your first name change. 
I have tried on four separate occasions beginning on XXXX XXXX, XXXX with my final attempt on XXXX XXXX. Each time I brought in different documents with my former name ( including the letter Umpqua Bank sent me informing me of my beneficiary status ) as well as my current LEGAL name and each time I have been denied disbursement with their same statement -- '' court ordered name change papers required ''. 
I did everything I was supposed to do to legally change my name and XXXX  in the eyes of the State and Federal governments. How am I supposed change my legal name which has already been legally changed to my legal name? I'm stuck in a XXXX and I feel like they are jerking me around because I'm XXXX. 
I did not have this problem with a life insurance policy on which I was listed as a beneficiary. The life insurance simply changed my name over-the-phone and I received my monies within 5 days! It is going on three months with Umpqua Bank. 
Any advice you can offer will be greatly appreciated. 

Thank you. 
XXXX XXXX