23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I had filed my taxes. I got counseled to obtain a bank account in order to get direct deposit and to apply to p.p.p. Next on XX/XX/2021 I ask a Citi bank employee if I could open an account at that exact moment. The employee said yes. I got my data and proof. The account was opened with XXXX dollars. In the very early hours of XX/XX/2021 I had deposited a check for {$1200.00} dollars through the app. Also i had direct deposit from my XXXX XXXX job for {$580.00} dollars. Moreover, 5 days passed and my expenses were pilling up because i could not reach my money. So I use the Citi bank app to text to a Citi representative. I had asked why was my check taking so long to process. The person responding had said, it was because I had just opened the account. So I asked if the process would be speedier if I just deposited in person. And please remember this part. And I paraphrase what they said, " it is ok. The check you deposited on the phone will cancel itself. Since they have the same Information. Leaving the current check in my account. '' Next I believed my money was going to be available because i got a a letter from Citi bank. Confirming my money would be available for me XX/XX/2021. But days prior I tried signing into Citi bank app and it said I did not exist. I did not get a letter or a call. I had to borrow money that I do not have in order to travel to a Citi bank and to pay my expenses. XX/XX/2021 the Citi bank closed my account. The Citi employee said the bank would have to see if it was fraudulent money or not. I have not gotten my money, and my expenses are past due. Also my boss showed me the receipt the company has that the check I deposited got into Citi bank. So the bank has my money! What angers me is that I called every resource available to guide me in banking and finance. And it leads me talking to a robot. While they get to use my money! I am poor living check to check. I want to sue them but I am so poor I do not even have money for the paper to print. XXXX XXXX XXXX XXXX.
Product: Bank account or service

Despite closing my checking and savings account at Wells Fargo over a year ago, they continue to send me letters and updated about my " account '' with them. I have gone twice in person after initially closing my account because they claimed I had a balance of XXXX penny. It took me three months and XXXX visits to stop receiving that type of letter. Just now I received a letter about my wells fargo online services being updated. Since I am no longer their costumer I would like them to stop storing my contact information and stop contacting me. I found my experience to be caused by repeated incompetencies and inconsistencies by Wells Fargo employees and do not feel that this matter can be resolved through their support department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been corresponding with TransUnion since XXXX of XXXX about derogatory accounts that they conveniently placed on my credit report that doesn't belong to me. I checked my credit report again in XXXX of XXXX and contacted TransUnion about derogatory information that they placed on my credit report that does not belong to me and they informed me that they would look into it. I wrote to them on XX/XX/XXXX outlining those accounts that wasn't mines. I received a letter dated XX/XX/XXXX from TransUnion stating that they verified certain information to be Accurate. I further investigated and then went back to my credit report and noticed that TransUnion had placed 8 more derogatory accounts on my credit report that didn't belong to me. All together they placed about 13 derogatory/non-derogatory accounts on my credit report that doesn't belong to me. I wrote another letter to TransUnion requesting that they send me the proof that they have verifying that those accounts was mines. I then received another letter from TransUnion stating that they would do further investigations and that it would be completed by XX/XX/XXXX. To this date, those accounts are still on my credit report hindering me from obtaining a loan and its interrupting my quality of life. I am hurt and ashamed due TransUnion 's bogus credit reporting practices. On Monday, XX/XX/XXXX, I again contacted TransUnion about the removal of the derogatory information and they asked me for the accounts again, and, again I gave them to them. I was told that they were sending my account to some type of FastTrack for further review and they stated that I check back with them in 5 business days. I am suffering, humiliation, setbacks, mental distress, etc., due to TransUnion 's bad credit reporting practices. I truly believe that they target certain people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. ( Please see pages 60 and 61 attached. ) This account needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

Midland Credit Management severed my door step not a human body in my household. They left papers on my door I retrieved due my information being out in the open. XXXX of XXXX, the door step papers that were severed were papers for me to appear in court, I appeared in court they did not show up. I filed a court motion asking them to show me what contracts I had signed with them in order for me to pay this debt. No contact was made. Fast forward to XXXX of XXXX they tried to seize my garnishments with my company. My company set a payment plan, had them take out a certain amount. Wages were paid off in XX/XX/XXXX. Midland Credit Management still says on my credit report I owe these wages. Which is false. They were paid through my employment wages. Ive deputed it several times to remove it, they refuse and continue to dig my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and submitted documentation to TransUnion about account XXXX XXXX XXXX   XXXX. The account was blocked and removed from my credit file only to report again with a remark " Account information disputed by consumer, meets FCRA requirements ''. XXXX XXXX XXXX or TransUnion has not provided the documents and other evidence to disregard my identity theft report. If XXXX XXXX XXXX can not provide original documentation of when where and how this account was opened. This account should be removed immediately. If account has not been removed from my credit file I will sue both TransUnion XXXX XXXX XXXX XXXX in small claims court for FCRA violations and punitive damage. I demand that TransUnion XXXX XXXX XXXX XXXX send all documentation they used to verify account XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED MY DISPUTES TO THE CREDIT BUREAUS XX/XX/2020 AND I STILL HAVE NOT RECEIVED A RESPONSE YET.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On, SUNTRUST BANK DBA LI add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX- XXXX add a hard inquiry on my credit report per XXXX . 
On XXXX XXXX, 2019, XXXX XXXX- XXXX add a hard inquiry on my credit report per XXXX . 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several times for my credit report to be corrected. LVNV Funding and XXXX XXXX XXXX  has reported that my account was charged off. XXXX XXXX XXXX sold the account to LNVN Funding, they took me to court and ordered me to pay 100 % of the debt. 

I am in the process of purchasing a home, and it is adversely impacting my credit file. I have paid the bill in its entirely. I feel that this is adversely impacting and violating my rights as a consumer.
Product: Debt collection

I have disputed the account 4 times XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and all four times they refuse to remove this from my credit. I also called them twice to advise them that the Judge has dismissed for the following reason : 1 ) Plaintiff failed to appear for a hearing or trail of which notice was had, 2 ) Dismiss for want to Prosecution. The person didn't get her name but she told me that I just needed to wait till it drops of my credit, but in the mean time it still shows up every month on my credit. I have also Mailed them a copy of the dismissal letter dated XX/XX/XXXX and they still refuse to remove from my credit.
Product: Credit card or prepaid card

I paid XXXX using XXXX XXXX and CoAmerica prepaid debit card in late XXXX but before XX/XX/XXXX and XXXX stated they didn't get the money and canceled my personal insurance on my personal car
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violations Not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. {$9800.00} written off. {$3100.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3500.00} XXXX Account charged off. {$2300.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX I Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Not MY Addresses XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Resident type XXXX family XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX family XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX family XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type Apartment complex XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX type XXXX family XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Resident XXXX Apartment XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family NOT MY XXXX XXXXXXXX XXXX Not my Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my Inquiries XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 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.These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an installment account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a personal secured credit line at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX. There is also a fraudulent collection account, XXXX XXXX XXXX opened on XX/XX/XXXX under the account number 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 # XXXX 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: Credit reporting or other personal consumer reports

Kindly block and eliminate these fraudulent hard inquiries from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

A third party collection agency bought the account and I do not owe the company that bought the loan.
Product: Credit reporting or other personal consumer reports

LVNV Funding has been negatively reporting on my credit reports for a number of years now. I have never contracted with them regarding any service or debt. I have tried to remedy the issue with them to remove the items from my report but to no avail. They have also failed to furnish me with relevant documents related to obtaining and servicing lawful debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Myself and my husband turned in two leased vehicles into XXXX XXXX of XXXX on XX/XX/2020 and leased two new vehicles. Unfortunately, the process has been anything but smooth for us. We negotiated online and over the phone for vehicles that were not available when they arrived at the dealership. We were told that the General Manager who negotiated the deal with them no longer worked at the dealership and we were forced to select different vehicles. We specifically gave authorization for the dealership to run one credit inquiry for the purpose of the lease, but three hard inquiries were made two on XX/XX/XXXX and another on XX/XX/XXXX ( two weeks after we drove off and finalized our lease deal ). After leasing the new cars, the dealership called to inform us that they filled out the paperwork incorrectly and needed us to sign new paperwork. At the request of the dealership, we arrived at the dealership to sign new paperwork on XX/XX/XXXX, but were told the paperwork was not yet done correctly and were sent home. 

On XX/XX/XXXX, a representative from the dealership arrived at our home to have us sign new paperwork which was dated XX/XX/XXXX. ( Our original lease date ). 

Then on XX/XX/2020, XXXX contacts us seeking payment for the old leases that had been turned in since the dealership never effectuated the payoff of these leases as negotiated in the deal. Repeatedly, throughout this process, I spoke with several people about the additional unauthorized hard credit inquiries that had been run and was promised again and again that the dealership would rectify the issue with the credit bureaus. I spoke with XXXX, the General Manager, XXXX from finance and ultimately XXXX XXXX who was assigned to resolve the issue after I contacted corporate about the slew of issues he was facing at this dealership. 

Still, to date, no one has corrected the issue with the credit bureaus and our credit remains negatively impacted. Moreover, XXXX XXXX offered us a check for {$1300.00} as compensation for our troubles throughout this process, but when I asked for a copy of the release I was required to sign so that I could have counsel review same, she suddenly advised she could no longer assist me and advised that I should have my attorney contact The VP. 

My attorney sent two letters to the VP letting him know they violated the Fair Credit Reporting Act and he has refused to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this get issue with XXXX XXXX on behalf of XXXX and XXXX XXXX XXXX on behalf of XXXX XXXX XXXX ; I have disputed these accounts as not mine because they are not these accounts were opened in XXXX 2 years ago I under the age of XXXX meaning " LEGALLY UNABLE TO OBTAIN CREDIT '' these are not my accounts and would like them removed from my all of my credit files immediately. Please be advised this is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX of XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Transunion, XXXX and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX. Will submit ID documents my current state issued ID, birth certificate, high school and college transcripts to support age claim. I do not know who opened these accounts but they are not mine and I would like them deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  accounts In accordance with the Fair Credit Reporting act XXXXXXXX accounts, Fist Francklin financial # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity IQ and there are two unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible please. I have already taken action to prevent anyone else to try and open anything under my social security number.
Product: Checking or savings account

SoFi banking closed my account due to my transaction. Not because I didnt have money, but it being on what I spend my money on. They decided to close my account because on where I spend my money at. As if thats any of there business, because I use my money is why it was closed was my very question. They said yes because no reason why I spend all my money there.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A States I have a right to pivacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting can not furnish a account without my written instruction.
Product: Credit reporting

XXXX XXXX Account # *******************XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX These accounts are being reported on all of my XXXX credit reports. However, these are not my accounts and I am listed as an authorized user. I have never signed up to be an authorized user and I want these accounts to be removed from my credit reports. I have never had or used any of these cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX numerous times regarding an inaccurate collection account listed on my report. They have conducted investigations with two separate disputes and they claim the listed account is valid. I have requested proof of validation several times from both XXXX and the collection agency and they have failed to provide adequate documentation. I have attached a copy of XXXX XXXX decision to this complaint. Please remove this account it does not belong to me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX