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

I opened on-line, on the Citibank website promotion offer page, a new packaged checking and savings account with Citibank on XX/XX/2018 using their {$400.00} promo offer. I deposited the required {$15000.00}, new money from a new customer, across the two accounts at a branch on XX/XX/2018. Their requirement to receive the {$400.00} was to maintain that balance for a minimum of 60 Days. After that they would deposit the {$400.00} into your account within 90 days. I maintained the balance of {$15000.00} from XX/XX/XXXX till XX/XX/XXXX, a total of 72 days. I then withdrew {$5000.00} from the accounts, leaving a balance of + {$100000.00} to avoid the monthly service fee of {$25.00} for the two account package. The following month, XXXX, they charged my checking account {$25.00} anyway. After 4 phone calls and arguing they finally gave me my {$25.00} back. Only to do the same in XXXX  but this time they took {$25.00} out of each account. I agreed with the checking fee but not the savings account as I had withdrawn money dropping below the {$10000.00}. I did that because I was scared to death of what this bank is capable of doing. The {$25.00} fee was for the packaged accounts not each account. I did get that {$25.00} back. NOW after fulfilling all the requirements to receive the {$400.00} they are refusing to pay me that bonus because " I didn't do a direct deposit. '' THAT WAS NEVER A REQUIREMENT. They make this XXXX  up and lie to avoid paying the money they owe you after you fulfill the terms of the agreement. Three times in one month Citibank has tried to cheat me out of money. I am a senior citizen living on SS and a small pension and this is what they do to their new customers. What has this country come too. I have attached 15 Files proving all of this.
Product: Credit reporting or other personal consumer reports

I have been identified as a victim of XXXX XXXX. I have provided all requested information per the 605C FCRA laws. I am receiving services as a XXXX  from a Non-Governmental Organization. 

I sent all the requested documents stated in the law -Self Attestation -Victim Determination Letter -List of accounts to be removed The above listed documents have been sent to several CRA 's ( XXXX, XXXX XXXX, XXXX XXXX XXXX etc ) and per the 605C all the items were removed.

It is unclear why Equifax refuses to remove the same information though Equifax is required by law to adhere to the 605C just as the other CRA 's have.

It has been several months with no resolution and when I call for details on what the issue is ; Equifax refuses to be clear n advising me what they actually need to complete to process.

I am a XXXX  that is suffering financially based on the abuse I endured, this law was enacted to help people in my position. It is therefore unlawful that Equifax is not following the law per the 605C. 

I need these items removed asap so I can get out of XXXX XXXX and move forward in rebuilding my life. 

Please help I am a mother and a XXXX that does not deserve to be further victimized!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me. These accounts appear on my credit profile and are constantly being updated. 

I am citing : 15 U.S. Code Subchapter V- Debt Collection Practices
Product: Credit reporting or other personal consumer reports

I received a demand letter from Albertelli Law trying to collect a debt that I owe to XXXX XXXX. At the same time, this same information showed up on my XXXX credit report showing that the total amount outstanding was " past due ''. My credit score decreased on the same day by XXXX points. 

I immediately called XXXX XXXX  and they agreed with me that the account in question is in good standing and all payments are up to date. I asked them why I received a demand letter from a debt collector. They informed me that they had recently changed to this new attorney debt collector but could not tell me why I received the letter. 

I then called the debt collector. They informed me that they were " legally obliged '' to send me a demand letter because they had recently received my file, even though the account is not delinquent and no payments have ever been missed. I asked if I should be paying them now instead of XXXX XXXX  and they said no. 

I called XXXX XXXX  again asking why they had reported an incorrect account status to the credit agencies. They denied having done so. Albertelli Law also denied having done so. The account still shows " past due '' on XXXX. Both Albertelli Law and XXXX XXXX  have informed me that there is nothing they can do to 'fix ' my credit score.
Product: Debt collection

I was denied my student loan because of a debt from the XXXX XXXX XXXX XXXX account that I did not open nor had any idea about. The account has already been sent to collections, and it is showing up as " unpaid '' on my XXXX credit report for {$2000.00}. The collections agency it's been sent to is " Best Service Company '' based in California. I can not receive my student loan until this is resolved, therefore preventing me from graduating. 

The only dates I have available are ( from the XXXX report ) : DATE ASSIGNED : XX/XX/XXXX ( I think that means the day it was opened but I am not sure ) TODAY XX/XX/XXXX : I filed a police report with XXXX Police Department online The {$2000.00} is still unpaid. The XXXX XXXX XXXX XXXX said that the case is out of their hands because the debt has already been sent to collections There was another account opened ( XXXX XXXXXXXX ), but I was able to get ahold of them and have them resolve the issue on Friday XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working hard for several years to get my credit score to a very good place. Even while unemployed for 2 years I kept up with mortgage payments etc. practically depleting my savings. 
In late XX/XX/2021 my TransUnion score dropped 13 points. The reasoning notes associated referred to ontime payments made. This made no sense and I struggled trying to get answers, Before I could get an answer, in late XX/XX/2021 my score increased to the previous good score of XXXX. Note, none of the other reporting agencies dropped my score during this time period. 
Now again in late XX/XX/2021 TransUnion dropped my score 22 points and the only change to my credit report was that I made my mortgage payment on time and decreased the balance. How is this even possible, to pay your bills on time and get a lower credit score. Again, only TransUnion dropped my score, XXXX actually increased my score by 1 point. This is all using the XXXX XXXX scoring system. 

I can not 'dispute ' a score thru the credit reporting bureaus and there is no generic ask a question contact. 
Thank you for any information you may be able to provide.
Product: Credit card

Chase Credit Card reported late payment and the account was closed in XX/XX/year> by bank. I found out it was closed when trying to make payment. I called bank and was told that there was no other information available at that time. He said that they would contact me later. I never heard from them again. Please help. I have never made a late payment on this card. I paid every month in a timely manner.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB XXXX findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This unacceptable lack of accountability and transparency raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

See Attached letter, account is being paid as agreed. Not late and amount overdue & over balance are incorrect. Credit reporting inaccurate and fraudulent. I need it corrected immediately, its been 30 days.
Product: Debt collection

On XX/XX/2023 Wells Fargo accepted a levy  filed from XXXX XXXX on the behalf of a XXXX  XXXX. The account levy did not originate from the state in which the debt was owed. The loan origination was in XXXX  while the account was in XXXX. They proceeded to take {$13000.00} from my parent 's savings account and created a hardship. furthermore, the account levied  did not belong to me it belonged to my elderly parents. They opened a savings account in XXXX  for their retirement and added me to help them manage their account if needed. I do not contribute financially to this account in any way. I am solely on the account to assist my parents with their finances and this can be proven by the history of the account.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Resolution Department, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After reviewing my report, I noticed several hard inquiries that I did not authorize. These inquiries are negatively impacting my credit score and were made without my consent. 

Below are the details of the inquiries in question : XXXX XXXX Inquiry Date : XX/XX/XXXX Scheduled to Remain Until : XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Scheduled to Remain Until : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Scheduled to Remain Until : XX/XX/XXXX Please note that I have not authorized these entities to access my credit information, and I am requesting the removal of these inquiries under the Fair Credit Reporting Act ( FCRA ). Section 604 of the FCRA states that a consumer report may only be accessed with the explicit consent of the consumer, which I did not provide for the aforementioned inquiries. 

I kindly ask for a prompt resolution to this matter. Please remove these hard inquiries from my credit report as they were not authorized by me. Additionally, I request written confirmation once this issue has been resolved.
Product: Mortgage

After.SLS LLC recieved final payment and processed they continued to charge fees and interest and are still charging and have added additional fees I Was assured in 2 seperate calls these late fees and interest were taken care of and taken off but could not produce an email or letter stating so to me till end of month which was XX/XX/XXXX. Now have recieved closing statement with additional interest and late fees attached. This looks like an ongoing issue with this company. I also filed with XXXX I Did send final requested payment in money order ( banks were closed to get certified check ) along with all conflicting documents and proof they processed payment on time. Trying to close out loan without negative repercussions on credit etc. due to their negligence. But honestly do not owe these fees, and have submitted all documentation of whom spoken to etc to company. Want others to beware of this company and read all negative views online. My understanding from paper work this is a subsidiary company of XXXX XXXX.
Product: Mortgage

In XXXX 2021 I met a woman who was friends with a loan XXXX in Navy federal credit union. I began having communications with XXXX XXXX. She was a loan XXXX with Navy federal credit union. She explained that she could help my husband and my self purchase home. She then stated that it would be like {$5000.00} to get the lot that we wanted for our home and such. The next thing I knew she was in trouble but we were turned over to another loan XXXX that would get the job done. From that point on it has been money needed for various things different people over the loan. The head over the fraud department came in and told us that we had to make these weekly payments in order to keep from going to jail. We would still get our home. Every time we are set to close something comes up, there is some problem and we never follow through. We are out of well over {$200.00}, $ XXXX we are homeless and we are still being asked to send money to have documents made! I have all the text messages from everyone that has been involved with this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

It's disheartening to inform you that despite providing all the necessary identification documents, the company continues to send stall letters regarding the disputes I've submitted to rectify my credit report.
Product: Credit reporting

I have disputed wrong account information with experian, they have responded with unless you send us more information we would not investigate. On my behalf, I have send out release of judgement from spring leaf and I have specifically write on my dispute letter that such judgement is over 8 years old and according to experian spring leaf is still verify. I have disputed recent balances on accounts that have been closed and but financial institutions have close down for business but experian is still reporting it as verify. another accounts that are reaged but accounts sold to a third party are still been verify. Moreover, I have ask Experian for debt validation on collections accounts and they have fail to provide me with such information.
Product: Credit card or prepaid card

while was incarcerated my family was to make the payments by calling the automated system and using online services back in XXXX, they were denied access to make the payments and told my " lawyer '' shut down access to any and everyone who was not me which was fraud as I never gave anyone authority to block access to make payments or to close my accounts. this happened on thee accounts of mine. I filed a complaint letter to the FTC never heard anything back but two of the three companies removes these accounts since this occurred and only XXXX XXXX and the portfolio recovery company are still ruining my credit and attempting to further damage my credit while trying to make money from me after causing so much damage. Upon my return from clearing my legal matters in XXXX XXXX XXXX after being notified of the FTC claim removed this item from my credit then placed it back on as if it was new debt in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX type XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX type Apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8500.00} Status Account charged off XXXX {$8500.00} written off. {$4500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Account charged off. {$5000.00} written off. {$5000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$12000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5800.00} Status Account charged off. {$5800.00} written off. {$5800.00} past due as of XX/XX/XXXX.
Product: Credit card or prepaid card

I recently had received a late fee charge because this company only allows you to pay through bill pay through your bank so when it tried to take the money I didnt have it in there so I was charged double from my bank a late fee and return fee and on this credit card the same thing happened ( return fee and late fee ). Im on unemployment and been trying to make mends meet so I called to see if I can have the late fee removed and not let it be shown late. She said no and still charged me an outrageous {$29.00} and {$40.00} fee with no consideration or relief. The company already makes it hard to even pay your bill on time and have it programmed this way so you always fail. Once I pay back I hope I get my FULL REFUND of {$500.00} since it was a secure card and thats all my money to begin with. Otherwise Ill be back on here again.
Product: Bank account or service

My bank account was withdrawn {$12.00} for fees for using a non Huntington ATM. This charge happened weeks after I actually used the ATM. They quickly charged me more and more overdraft fees of ridiculous amounts. I spoke to a customer service agent who told me that as long as I made my account positive by XXXX XXXX, they would refund me the overdraft fees. I did this BEFORE XXXX XXXX and they refused to honor their word. In my eyes they lied to me and stole my money. I should not have owed them {$200.00} for a {$12.00} charge in the first place. They also refused to honor their word when I made a payment promise to them. I was told I would have {$60.00} in my account after the fees were removed, which did n't happen. The customer service agents were very rude and unprofessional and refused to help me.
Product: Credit card or prepaid card

In late 2018, I requested a Serve American Express card which I received in the mail. I activated the card but put it aside because I only planned to use it in travel. I recently made several attempts to link the card to an account so I could use it and I received we'd a message saying I needed to call customer service or activate the card, which already completed. I also called the customer service line but could not get through to an agent.
Product: Credit reporting or other personal consumer reports

After a mortgage broker pulled my credit I started receiving every day over a XXXX of phone calls, messages and voice mails from mortgage companies offering a service. In their messages and personal talks they confirmed that they received my personal info from Experian credit bureau. Spoke with Experian customer service rep twice. Was told it was someone else not them, since there are many of credit bureaus like them. Continue receiving numerous phone calls until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX  XXXX {$180.00} XXXX XXXX XXXX   XXXX {$72.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$8300.00} XXXX  XXXX XXXX {$13000.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX offers a subscription service to receive credit scores at a monthly cost, but that subscription can be canceled in the first 2 weeks or so before the customer is billed the monthly fee. I subscribed on Saturday, XX/XX/2022 and have been trying to cancel ever since. I have tried calling them, sending emails, and submitting cancelation via their online forms, all to no avail. It's very clear that the company is trying to make it virtually impossible to cancel the service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card from XXXX XXXX XXXX, it was sent to me, then I was directed to the fraud dept, I tried three times to call them, put on hold for over an hour each time!,, I then received a decline letter from them, stating that they weren't going to issue the card even though I had it in had, I then shredded the information and the card. 
I now see where this is showing up on my credit report, I DO NOT HAVE a XXXX XXXX XXXX Credit card. 
If you can see someway to reach this company I would greatly appreciate it!